According to a federal law, which two items must be given to a borrower within three days of the loan application?

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Answer 1
In a loan application, the lender is required to provide the borrower or the loan applicant a Servicing Disclosure Statement together with the Good Faith Estimate. The Servicing Disclosure Statement discloses whether the lender intends to service the loan or transfer it to another lender while it is still outstanding; while the Good Faith Estimate is the document that shows the breakdown of payments due upon closure of a mortgage loan. These two documents must be given to the borrower at the time of application within three days.

Related Questions

When faced with a conflict between law and conscience a person who is at the?

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. When faced with a conflict between law and conscience, a person who is at the reasons that conscience should be followed, even though the decision might bring risk. During this stage of moral development, the person is most likely to already develop some sort of moral standard into his/her principles.

__________ is a collection of people, distinguished by others or by themselves, primarily on the basis of cultural or nationality characteristics.

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An ethnic group. Hope this helps!

Sociologist judith kleinfeld felt milgram "stacked the deck" in his "small world phenomenon" experiment because ________.

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The correct answer is many of his targets and starters shared a common interest. She believes that the results would have been different if the people chosen had been more diverse in their interests. She thinks he stacked the group to fit his hypothesis.

The term used to describe how a well-known scientist is more likely to be credited with a particular scientific discovery than lesser-known colleagues is:

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The term used to describe how a well-known scientist is more likely to be credited with a particular scientific discovery than lesser-known colleagues is: Matthew effect
The matthew effect described that people who already acquire more of a certain thing will receive an accumulative advantage in achieving that thing in the future.

When a person designates a specific person to act as his or her representative in making healthcare decisions, that designee is called a(n)?

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When a person designates a specific person to act as his or her representative in making healthcare decisions, that designee is called a health care proxy. It also known as a health care power of attorney. It is a specific person who is assigned to make decisions on your behalf regarding health care if you are not available to make the decisions.

explain how our government might be affected without the judicial branch if someone introduced a questionable "Bill" they wanted to become law.

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If there were no judicial branch, the legislative branch would be able to make whatever bill they wanted to and there would be no one to decide whether or not it was constitutional. So, without checks and balances, our system would fall apart into anarchy.
Final answer:

Without the judicial branch, there would be no system to check the constitutionality of laws or to balance the power among government branches, potentially leading to unchecked legislative and executive power and a greater risk of abuse.

Explanation:

Without the judicial branch, our government would lack a crucial mechanism for checking the balance of power. If a questionable bill were introduced and became law, there would be no institution to adjudicate its constitutionality. The judicial branch, particularly the Supreme Court, plays this vital role, possessing the sole power of judicial review—a power to declare laws unconstitutional and, thus, nullify them.

The judicial branch ensures that no single branch has too much power, acting as a safeguard against abuse and maintaining the principle of checks and balances as envisioned by Baron Montesquieu and outlined in the U.S. Constitution. This structure allows citizens and groups to approach the courts for redress when they believe a law is unjust or violates the Constitution, reinforcing the judiciary’s role as an independent adjudicator in the balance of the branches of government.

Without the judiciary, the legislative and executive branches could potentially make and enforce laws unchecked, which might lead to the corruption of legislators or the tyrannical exercise of power, a concern articulated in the notable quotes from Hamilton in Federalist No. 78 and the musings on the dangers of private interests in public affairs.

For chinese immigrants, one result of living in chinatowns was _____.

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For chinese immigrants, one result of living in chinatowns was: Maintaining traditional culture, forming kinship networks, or clans, and reducing their chance to learn English, which limited job opportunities. 
Chinatown si a community form by Chinese ethnicity where they try to maintain a condition that we usually see on mainland China. 

According to erikson, adolescents are in the stage of _____. identity versus role confusion integration versus separation intimacy versus isolation independence versus neediness

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Answer:below

Explanation:

Identity vs. role confusion is the 5th stage of Erik Erikson's theory of psychological development. It begins at 12-18, years of adolescence. During this stage, the adolescence find themselves searching for who they are through their values, goals, and beliefs. They will look into their morales, and continue from there. This leads them into preparing for older life.

A major reason for the practice of outsourcing is

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A major reason for the practice of outsourcing is: Lower Labor Cost
On most cases, companies only outsource the task that have low risk and high repetitive actions. (far away from important decision making)
On average, a company could save their labor cost up to 700% by outsourcing their jobs to the less developed countries

When you are nervous angry or upset one of the ways to release the pressure is by?

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It is release by doing a  physical activity. Many individuals feel nervous when confronted with an issue at work, before taking a test or settling on a vital choice. Uneasiness issue are unique, however. They can cause such trouble that it meddles with your capacity to have an ordinary existence. This kind of turmoil is a genuine emotional instability.

Psychotic disorders are actually more common in the elderly than they are in younger people, but paradoxically the rates of schizophrenia in older adults are actually lower. which type of psychotic disorder is seen in higher rates in the elderly that would make the overall rate of psychotic disorders higher in this population?

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The answer to this question is Delusional disorder. A delusional disorder is also known as a paranoid disorder. It is a mental illness where in a person does not know how to differentiate what is real from not. This is often called as psychosis which makes the situation in an exaggerated state. 

_____ are norms that are considered to be of central importance to the functioning of society and to social life, the violation of which brings serious retribution.

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Norms that are of central significance to the functioning of society and to social life, the violation of which brings serious retribution are called mores.

 


To add, mores include an aversion for societal taboos, such as incest. The mores of a society usually predicate legislation prohibiting their taboos.

The speed and degree with which the effects of alcohol and other drugs are felt depends on how much and how quickly the alcohol and other drugs gets to the central nervous system. true or false

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The answer is true.  Alcohol is a central nervous system depressant. When consumed, alcohol is absorbed by the stomach and small intestine and goes directly into the bloodstream and throughout the body. It relaxes the body, but often in such a way as to impair you. How it distresses you rest on on a number of factors, including amount, temperature and concentration. Pure alcohol, for example, will be absorbed much more quickly, and the same is true at warmer temperatures. Once in the blood, internal organs are affected. About 20% of the alcohol that is consumed goes into the bloodstream through the stomach walls, and the remaining 80% is absorbed through the small intestines. Once in the blood, the alcohol then reaches other internal organs. The organs that contain a high concentration of water and require a lot of blood, such as the brain, are particularly exposed to the effects of alcohol.

The social group viewed as the one with which a person identifies is called a(n) ________. pariah in-group threat-group out-group

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In sociology and social psychology, an ingroup is a social group to which a person psychologically identifies as being a member. By contrast, an outgroup is a social group with which an individual does not identify.  

Answer:

The social groups viewed as the one with which a person identifies is called an "in-group".

Explanation:

An "in-group" is the group a person considers his or her group. But to do this, that person has to have a belonging feeling. This translates into the identification she or he feels with the group, the composers of that group and the group objectives. To do that, the persona has to have the same goals as the other group members. But the most important factor is that they have to know each other, establish emotional bonds and build relationships to make a system.

Political stability contributed to the growth of industrialization in the United States because it enabled the government to
regulate the growth of industry.
help finance transportation networks.
invest heavily in manufacturing.
nationalize several industries.

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Political stability contributed to the growth of industrialization in the United States because it enabled the government to regulate the growth of industry
The government could do this by setting the rules of business that must be followed by every competitors in the market, such as environmental regulations, taxation system, minimum wage, etc.

Answer:

regulate the growth of industry.

Explanation:

Political stability contributed to the growth of industrialization in the United States because it enabled the government to

In an age-structure pyramid, the most critical age span for women in order to determine the current fertility rate potential is ________.

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In an age-structure pyramid, the most critical age span for women in order to determine the current fertility rate potential is: 15-49
Past this age, Women's uterus will become significantly weaker compared to their younger ages. This make them unable to sustain the living of their infants through natural reproductive method. On top of that, they will also stop ovulating when surpassing this age group.

If adolescents develop a "messiah complex," they think they can

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If adolescents develop a "messiah complex," they think they can save the world from evil.
Adolescents still exist within a learning curve about the idealistic view on how the world works. We believe that the world is consist of good vs evil while in reality, it only filled with several groups of people with different interests,

Experimental research examines a causal relationship, which involves which two variables?

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An Experimental Research tests a hypothesis about a cause and effect relationship using dependent and independent variables. The independent variable is the variable that is manipulated in an experiment; while the dependent variable is the outcome or the subject that is influenced by the independent variable to determine the effectiveness of a certain treatment or condition.

Experimental research investigates causal relationships by manipulating an independent variable to observe changes in a dependent variable, using random assignment for control.

Experimental research seeks to understand the causal relationship between two types of variables: the independent variable and the dependent variable. The independent variable is manipulated to see if it causes a change in the dependent variable, thereby establishing a cause-and-effect relationship. This manipulation is a deliberate intervention by the researcher to test a hypothesis. To ensure the reliability of experimental results, random assignment to conditions is often employed, which helps control for other variables that might influence the dependent variable.

How does the us constitution reflect a balance of the conepts of classical republicanism and classical liberalism?

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Classic republicanism is founded on Rome and the time of Renaissance. Classical liberalism is basically a belief in Liberty. How they struck a balance with both of them is complex. Most of the founders agreed that they did not want a total democracy where the people voted on everything. They also looked at protecting minority rights. They favored a way that included both the aristocracy and the people had a say in passing laws. They came to the constitution through debate and compromise.

In addition to expressed and delegated powers, presidents have claimed a third source of powers that are not expressed or implied in the constitution and are known as

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It is the Inherent Powers.

Inherent Powers are not explicitly mentioned in the constitution but these are reasonable powers that are delegated to the President and the Congress.  These powers are needed by the President in some situations to effectively do his job and responsibility. An example of this situation is when there is a national emergency that requires quick actions.
In addition to expressed and delegated powers, presidents have claimed a third source of powers that are not expressed or implied in the constitution and are known as INHERENT POWERS. 

Inherent powers are not expressly stated in the constitution but are inherent by the position being held as the President. Inherent powers are exercised by the President through his issuance of Executive Orders. 



Which ethical principle reflects the idea that people have entitlements that let them act in a certain way?

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The answer to the question is individual rights. Individual rights explains the concept that each person is a unique individual with their own set of morals, leading each to act in their own way while wanting their own entitlements.

There is now a worrying fusion of information and entertainment. meaning

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There is worrying to some people. These people who can tell apart from the actual news or information and they are worried maybe because they know that some people can't tell or understand the actual news or fact fully. When people who have understand fully about the fact of any information or entertainment, there is nothing to worry about it. 

A worrying fusion of entertainment and information means that It is now very difficult to distinguish between serious journalism and articles that are for entertainment.

These days the media is known to mix up entertainment with good information. People refer to this as infotainment or soft news.

News have become extremely sensationalized and it is difficult to get news without elements of fun included in it.

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The use of learning techniques to modify or change undesirable behavior and increase desirable behaviors is called

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The use of learning techniques to modify or change undesirable behavior and increase desirable behaviors is called behavior modification or applied behavior analysis.
Example of this modification is when we reward our children with a possitive response such as praise everytime they do something good such as cleaning their rooms. Thi

Answer:behavior modification

Explanation:

Many people do not resort to deviance because of __________ such as supportive family and friends, reasonable social expectations, and supervision by others

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Inner containments (self control, a sense of responsibility, and resistance to diversions)

____ includes all voiced parts of communication other than words themselves.

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Paralanguage includes all voiced parts of communication other than words themselves.
Paralanguage is the term that doesn't really refer to the meaning of what you speak, but rather to everything else, such as your intonation, gestures, facial expressions, pitch and speed of your speech, hesitation noises such as erm, uh, etc.

As sherif noted, despite the fact that the competitive behavior of the boys in the warring camps seemed "wicked, disturbed, and vicious," what actually triggered their evil behavior was

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One factor could be that terrible or evil situation has happened to them during the camps. Or it can be the cause of peers that have bad influence of the boys which made them do what they had did. The triggered actions can be a cause of mindless thoughts in situations that they cannot understand.

Final answer:

The boys' evil behavior in the warring camps was triggered by something other than their competitive behavior.

Explanation:

The subject of this question is English.

In the context of the sentence, the author is referring to the behavior of the boys in the warring camps.

The triggering factor for their evil behavior is not explicitly mentioned in the question, but it can be inferred that it is something other than their competitive behavior. It could be a variety of factors such as power struggle, fear, or the influence of the environment.

What does the constitution say about which law shall predominate if there is any conflict between laws?

Answers

according to constitution, whenever there is a conflict between laws, Federal law shall predominate state law.
In order to maintain the structural obligation between each states in United States, a central regulation (from the federal government) is needed to  create some sort of regulatory standard for the states.
Final answer:

The U.S. Constitution establishes federal supremacy, meaning that federal law prevails over state law in case of a conflict. The Supreme Court has the authority to interpret the Constitution and resolve conflicts between laws.

Explanation:

The U.S. Constitution establishes the principle of federal supremacy, which means that federal law is superior to state law in case of a conflict between the two. This principle is often referred to as the supremacy clause, found in Article VI, Clause 2 of the Constitution. It states that the Constitution and federal laws made pursuant to it are the supreme law of the land.



This means that if a state law is in conflict with a federal law, the federal law will prevail. The Supreme Court has the authority to interpret the Constitution and resolve conflicts between different laws.



For example, if a state passes a law that contradicts a federal law, such as a state law that prohibits a certain activity while the federal law allows it, the federal law would take precedence. This ensures consistency and uniformity in the application of laws throughout the country.

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Sometimes listeners may ask questions at the end of your speech that are unrelated to your talk. by finding a way to gently guide your questioners back to the message you are

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by finding a way to gently guide your questioners back to the message you are: staying on the message.
By doing this, you can keep the discussion to stay within your expertise. On top of that, you would not ramble in front of your audience which could make you lose some part of credibility in the perception of your audience.

According to the text, most social psychologists define aggression as an ____ and state ____.​

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According to the text, most social psychologists define aggression as ____ and state ____.
an intentional action; that the victim must be motivated to avoid it

Most social psychologists define aggression as an intentional action; and state that the victim must be motivated to avoid it.

What is aggression ?

According to social psychology, aggression refers to any conduct or action intended to hurt a person, an animal, or cause physical injury to property. Here are a few instances of aggressive behavior: physical harm. screaming, cursing, and foul language. spreading rumors or talking negatively about a classmate.

Behavior that is designed to hurt another person is referred to as aggression. Aggression that causes severe physical harm is referred to as violence. Aggression that happens on an emotional or impulsive basis is referred to as having little thought or intention behind it.

The unpleasant feelings we experience as a result of unpleasant events that happen to us, as well as the unpleasant thoughts that go along with them, are major contributors to aggression.

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Who coordinates information requests between emergency managers and the national hurricane center?

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Hurricane Liaison Team coordinates information requests between emergency managers and the national hurricane center. The Hurricane Liaison Team (HLT) is a Department of Homeland Security’s Federal Emergency Management Agency. A team made up of federal, state, and local emergency managers who have extensive Hurricane Operational experience.
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