Malangizo a Trid pdf
Maupangiri olembedwawa akupereka tanthauzo lomveka bwino la kutulutsa ntchito ndikutchulanso njira zowunika ngati ntchito, ntchito, njira kapena ntchito (kapena gawo lake) ndizofunikira kapena zofunika. Maupangiri, omwe amawunikiranso Maupangiri omwe alipo a CEBS okhudza kutumiza ntchito kunja omwe adasindikizidwa mu 2006, cholinga chake ndi kukhazikitsa njira yolumikizirana yoyendetsera mabungwe onse azachuma mkati mwa EBA.
European Banking Authority (EBA) lero yakhazikitsa zokambirana ndi anthu pazolemba zake za Guidelines on Outsourcing. Maupangiri awa, omwe amawunikiranso malangizo omwe alipo a CEBS Outsourcing omwe adasindikizidwa mu 2006, akufuna kukhazikitsa njira yolumikizirana yoyendetsera mabungwe onse azachuma mkati mwa EBA's remit. Maupangiri olembedwawa amapereka tanthauzo lomveka bwino la kutulutsa ntchito ndikutchulanso njira zowunika ngati ntchito, ntchito, njira kapena ntchito (kapena gawo lake) ndizofunikira kapena zofunika. Makamaka, Maupangiri osinthidwawo amakhudza mabungwe angongole ndi makampani oyika ndalama omwe amatsatira malangizo a Capital Requirements Directive (CRD), komanso mabungwe olipira omwe amatsatira malangizo owunikiridwanso a Payment Services Directive (PSD2) komanso mabungwe azachuma amagetsi malinga ndi Directive pazachuma chamagetsi. Kukambiranaku kupitilira mpaka Seputembara 24, 2018.
Ulamuliro wa masiku atatu
Ichi ndi chithandizo chotsatira choperekedwa ndi Consumer Financial Protection Bureau. Ofesiyi inafalitsa ndondomeko ya Policy Statement on Aids to Compliance, yomwe ikupezeka pano, yomwe ikufotokoza momwe ofesiyi ikuyendera pa Aids to Compliance.
1. Ngati pali kusintha kwa mawu owululidwa pambuyo poti wobwereketsa apereka Chidziwitso Chotseka Choyambirira, kodi wobwereketsa akuyenera kuwonetsetsa kuti wogula alandira Kuwulula Kutsekedwa kokonzedwa osachepera masiku atatu a bizinesi asanafike?
2. Kodi wobwereketsa akuyenera kuwonetsetsa kuti wogula alandila Mauthenga Otseka osachepera masiku atatu abizinesi isanathe ngati APR yachepa (ie, ngati APR yovumbulutsidwa yachulukidwa)?
3. Kodi ndime 109 (a) ya Economic Growth, Regulatory Relief and Consumer Protection Act imakhudza panthawi yochita malonda ngati wobwereketsa akufunika kuti apereke Chidziwitso Chotsekera chosinthidwa pansi pa TRID Rule?
Inde, ngongole zambiri zogulira ogula kuti azipeza ndalama zomanga nyumba zomwe zimatetezedwa ndi katundu weniweni zimaphimbidwa ndi lamulo la TRID. 12 CFR § 1026.19 (e) (1) (i). Ngongole zonse ziwiri zomanga zokha (i.e., ngongole zanthawi yochepa zokhala ndi ndalama zambiri zomwe wogula amangolipira chiwongola dzanja mpaka ntchito yomanga ikamalizidwa) ndi ngongole zomanga zokhazikika (i.e., ngongole zomanga zomwe zimasinthidwa kukhala ndalama zokhazikika pambuyo pomaliza ntchito yomanga komanso yomaliza. zomwe ndalama zangongole zimagulidwa mofanana ndi momwe zimakhalira ndi ngongole yanyumba) zitha kulipidwa pansi pa lamulo la TRID ngati zofunikila zakwaniritsidwa. Ndemanga 17(c)(6)-2. Komanso, zomanga zonse zoyamba ndi zotsatila zitha kuphimbidwa ndi lamulo la TRID. Ndemanga 17(c)(6)-2.Nthawi zambiri, ngongole, kuphatikiza ngongole yomanga yokha komanso yomanga yokhazikika, imayang'aniridwa ndi TRID Rule ngati ikukwaniritsa zofunikira zowunikira zotsatirazi: Zambiri zokhudzana ndi kufalikira kwa TRID Rule. ndi Kuwulula Ngongole Yomangamanga kukupezeka mu Gawo 4 ndi Gawo 14, motsatana, la TILA-RESPA Rule Compliance Guide for Entities Small. Yasinthidwa May 31, 2019
Mndandanda wa Kutsatira kwa Trid
General Directorate No. 5 pa "Zobwereketsa Zakunja Zamalonda, Ngongole Zazamalonda ndi Zoyenera Kukhazikitsidwa", za Marichi 26, 2019, zitha kufunsidwa kuti zithandizire pa zomwe zikuchitika pano pa ECB ndi TC. Ma BCEs ndi ma CT omwe adapezedwa pansi pazikhazikiko pamwambapa ayenera kupitiliza kutsatira malangizo omwe akugwiritsidwa ntchito panthawi yogwiritsa ntchito ma BCEs ndi CTs.
Kubwereketsa kunja kuyenera kutsata malangizo / machitidwe a ECB omwe ali m'malamulo a Foreign Exchange Management (Foreign Exchange Loans) a 2018, operekedwa kudzera mu Notification No. FEMA 3 (R)/2018-RB ya December 17, 2018, ndi zosintha pakanthawi.
Udindo waukulu wowonetsetsa kuti ngongoleyo ikutsatira malangizo a ECB ndi ya wobwereketsayo. Mapangidwe omwe amapondereza / kudutsa malangizo a ECB mwanjira iliyonse ndi / kapena kupeza ngongole mwanjira ina iliyonse yosaloledwa / kubisa ngongoleyo pansi pachovala chamitundu ina yamalonda ndi / kapena kuphwanya zomwe zili mu Management Regulation ndalama zakunja (ngongole ndi ngongole zakunja), 2018 ingapemphenso kuchita zachiwembu pansi pa FEMA.
Kodi ndi ngongole yanji yomwe lamulo la magawo atatu silikugwira ntchito?
NTCHITO YA NDALAMA MUTU 4. KUYANKHULA KWACHIWONONGA, NGONGO NDI NTCHITO ZA NDALAMA MUTU WA MUTU B. NGONGO NDI NTCHITO ZA NDALAMA MUTU 342. ONSE NGONGONI KAPUTALA A. ZOYENERA WACHIWIRI; NTCHITO YA MUTUSec. 342.001. MATANTHAUZO. M'mutu uno: (1) "Kuchita mosagwirizana" kumatanthauza ngongole: (A) yomwe imalipidwa pang'onopang'ono, pamwezi, komanso kuchuluka kwake; kapena (B) gawo loyamba lomwe linakonzedwa kuti liperekedwe kuposa mwezi umodzi ndi masiku 15 kuchokera tsiku la ngongole. (2) "Kuchita Kwanthawi Zonse" kumatanthauza ngongole: (A) yomwe imalipidwa pang'onopang'ono, pamwezi, komanso zofanana kwambiri ndi kuchuluka kwake; ndi (B) gawo loyamba lokonzekera lomwe likuyenera kuchitika mkati mwa mwezi umodzi ndi masiku 15 kuchokera tsiku langongole. (3) "Layisensi Yobwereketsa Yoyendetsedwa" ikutanthauza chilolezo chobwereketsa ogula. (4) "Secondary Mortgage Loan" amatanthauza ngongole yomwe: (A) imatetezedwa yonse kapena mbali yake ndi chiwongola dzanja, kuphatikiza chiwongola dzanja kapena chiwongola dzanja, panyumba yeniyeni yomwe:(i) imakonzedwa bwino ndi nyumba yokonzedwa kuti okhala ndi mabanja anayi kapena ocheperapo; ndipo (ii) ali ndi ngongole imodzi kapena zingapo, zokonda zachitetezo, zobwereketsa zisanachitike, kapena ntchito zodalirika; ndipo (B) sayenera kubwezeredwa lisanafike tsiku la 91 pambuyo pa tsiku la ngongole.
