On Oct. 30, the Consumer Financial Protection Bureau issued a final rule which permits debt collectors to use text messages, email, social media and voice messages for communications with debtors.

Often, the loan-to-value ratio and the Appraisal Contingency Addendum are seen as being the same thing and at their basic level, they do the same thing. However, they are not the same and more importantly, as they are built into the PAR forms, they function very differently.

Failing to properly handle a case of potential exposure of COVID-19 not only puts many other people at risk of infection but could jeopardize your career.  

Beginning July 1, all of the agreements should have the following elements to them, where applicable: fixtures and personal property, inspection limitations and reports and the Internet of Things and recordings.

Recently revised to conform to guidance for real estate, use of the COVID-19 Property Access Notice (Form COVID-PAN) and the COVID-19 Health and Safety Acknowledgment (Form COVID-HSA) still have a place in your routine, even as restrictions loosen.  

Several forms will be updated as of Jan. 1 to address issues related to smart home technology. Here’s what you need to know.