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Kentucky Revised Statutes

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Statutes Last Updated July 23, 2012

Includes Enactments through the 2012 Extraordinary Session
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KRS Chapter 286.08

  • .010   Definitions.

  • .012   Administrative hearing request.

  • .020   Exemptions.  

  • .030   Transaction of business prohibited without license -- Effect of issuance of license -- Unique identifier.

  • .032   Application for license.

  • .034   Fees.

  • .036   Rules concerning use of license.

  • .038   Repealed, 2009.

  • .040   Repealed, 2009.

  • .042   Repealed, 2009.

  • .044   Notice of order in writing -- Administrative complaint -- Service -- Hearing.

  • .046   Civil penalty for violation of subtitle, administrative regulation, or order -- Order for restitution, refund, recovery of expenses.

  • .048   Emergency orders by commissioner -- Grounds -- Hearing -- Period order to remain in effect.

  • .060   Surety bonds required -- Uses of bonds -- New or supplemental bonds.

  • .070   Company name.

  • .075   Change of control.

  • .080   Factors for use by commissioner in determining approval or disapproval of application.

  • .090   Denial, suspension, or revocation of license -- Jurisdiction of Franklin Circuit Court.

  • .100   Branch offices.

  • .110   Rates -- Mortgage required as evidence of real estate loan -- Delinquency charges -- Attorneys' fees -- Charges made part of note -- Limits on prepayment penalties.

  • .120   Fees and charges in addition to interest -- Letters of commitment -- Failure to fulfill terms constitutes default.

  • .125   Limitation on loan originator's fee.

  • .130   Escrow account -- Interest -- Accounting.

  • .140   Powers of commissioner.

  • .150   Records filed with commissioner open to public inspection -- Exception.

  • .160   Records to be kept by company -- Filing of financial report and correcting amendment -- Requirements if business discontinued -- Location of records -- Request for destruction of records.

  • .170   Places where records required to be kept -- Examination by commissioner -- Fee -- Access to records -- Reports.

  • .175   Confidentiality of examination reports and information -- Exceptions -- Prima facie evidence.

  • .180   Conduct of examination -- Cost of investigation or hearing.

  • .190   Grounds for investigation -- Action commissioner may take after investigation.

  • .200   Repealed, 2009.

  • .210   Judicial review.

  • .220   Prohibited acts.

  • .225   Mortgage fraud prosecution fund -- Funding -- Expenditures.

  • .227   Collection of civil penalties to be deposited in mortgage fraud prosecution fund -- Distribution -- Administrative regulations.

  • .230   Repealed, 2009.

  • .240   Short title.

  • .250   Mortgage loan brokers to maintain physical location -- Display of license certificate.

  • .255   Registration with department required for mortgage loan originator or mortgage loan processor -- Renewals-- Continuing education requirement -- Background checks -- Originators and processors subject to other laws -- Minimum requirements -- Limitation of loan origination services.

  • .260   Continuing professional education required for persons registered under subtitle -- Termination and surrender of certificate of registration for failure to comply.

  • .270   Duties of mortgage loan broker -- Advanced disclosure of fee required.

  • .275   Reporting of violations of subtitle -- Duties of commissioner -- No waiver of privilege or claim of confidentiality.

  • .280   Limitation of liability.

  • .285   Participation in National Mortgage Licensing System and Registry -- Duties -- Reporting.

  • .290   Mortgage loan originators -- Applicability of and exclusion from requirements of subtitle.  

  • .295   Mortgage loan company and mortgage loan broker to exercise control over operations, employees, and company affairs.

  • .300   Severability of subtitle's provisions.

  • .990   Kentucky Residential Mortgage Fraud Act -- Provisions -- Criminal proceedings -- Penalties.

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