Sentences with phrase «consumer real estate issues»

By featuring your association spokesperson, these columns help to position your organization as a local authority on consumer real estate issues.

Not exact matches

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

«This gives consumers more power when working with a real estate professional by allowing home sellers and buyers to negotiate a combination of fees and commissions, tailoring the cost to the services they want,» reads a government - issued backgrounder.

While our goal is to provide information that will help consumers understand mortgage loans and real estate issues, this information should not be considered legal advice.

Bankruptcy and Your Career Consumer Debt Credit Family Personal Finance Real Estate and Mortgage Issues

The about - face on MSAs comes after the Consumer Financial Protection Bureau issued major enforcement actions against companies accused of violating the anti-kickback provisions of the Real Estate Settlement Procedures Act, known as Respa.

«Discussing consumer issues in real estate, business and bankruptcy.

Construction law covers a wide range of issues, such as real estate transactions and litigation, contract law, consumer law and banking law.

Other case types include consumer, bankruptcy, landlord tenant, real estate, wills / POA, guardianship / conservatorships, probate, and tax issues.

Ms. Burda also currently advises a national consumer bankruptcy law firm regarding issues of compliance and U.S. Trustee inquiries, as well as a sophisticated commercial real estate and litigation firm regarding bankruptcy issues.

The Consumer Financial Protection Bureau (CFPB) issued multiple enforcement actions for Real Estate Settlement Procedures Act (RESPA) violations, including two against real estate brokReal Estate Settlement Procedures Act (RESPA) violations, including two against real estate brEstate Settlement Procedures Act (RESPA) violations, including two against real estate brokreal estate brestate brokers.

Should any Brokerage do anything that might adversely effect the sale of a Competitor Brokerages property listing, should this not also be viewed in the best interests of organized real estate and consumers, as a: «privacy issue»?

On Thursday, June 4, 2015 the Consumer Financial Protection Bureau (CFPB) issued a decision against PHH Corporation and a number of other defendants for among other things, violating the Real Estate Settlement Procedures Act (RESPA) by paying for referrals where there is federally related mortgage.

HouseLogic, Real Estate Today, our political advocacy efforts, and even this annual House & Home issue of our magazine are geared toward making you the authoritative real estate source, helping consumers protect and maintain the home they cherReal Estate Today, our political advocacy efforts, and even this annual House & Home issue of our magazine are geared toward making you the authoritative real estate source, helping consumers protect and maintain the home they chEstate Today, our political advocacy efforts, and even this annual House & Home issue of our magazine are geared toward making you the authoritative real estate source, helping consumers protect and maintain the home they cherreal estate source, helping consumers protect and maintain the home they chestate source, helping consumers protect and maintain the home they cherish.

The April 2 issue of the Real Estate Cyberspace Society's audiotaped newsletter gave its listeners an opportunity to compare the outlooks of top executives of the two major Internet real estate consumer siReal Estate Cyberspace Society's audiotaped newsletter gave its listeners an opportunity to compare the outlooks of top executives of the two major Internet real estate consumer Estate Cyberspace Society's audiotaped newsletter gave its listeners an opportunity to compare the outlooks of top executives of the two major Internet real estate consumer sireal estate consumer estate consumer sites.

It's aimed at real estate professionals to show just how little consumers know about real estate issues.

The issue at hand is about whether or not it is acceptable for consumer's to have an open and virtually unrestricted access to organized real estate's sales data, as opposed to the controls that are currently in place.

With an eye towards issues like sustainability and walkability that appeal to modern consumers, it's an excellent resource for commercial real estate practitioners interested in smart growth and community building.

He was also a frequent contributor to RISMedia, covering the Dodd - Frank Act, RESPA and other key housing issues impacting real estate professionals and consumers.

The Real Estate and Business Brokers Act, 2002 (REBBA) governs how Ontario Realtors work with consumers, other registrants and with countless other issues.

Clinton cited consumer issues, not these commercial real estate provisions, for his veto.

«During this leadership transition, ALTA will continue to support CFPB staff to help provide positive and compliant real estate settlement experiences for consumers and lenders, and serve as a resource on important consumer issues such as wire transfer fraud, third - party oversight and mortgage disclosures.»

The London and St. Thomas Association of Realtors (LSTAR) is hosting ESMART: The Economic and Smart Technology Summit, showcasing economic trends, smart technology issues and disruptors impacting businesses, consumers and real estate markets.

You Nailed It but you missed the real issue and no matter how anyone rationalizes it, here it is: «the consumer is demanding lower rates for service from organized real estate».

Since your board can not legally issue a complaint on one member alone, since fellow registrants FEAR retaliation so issue no such complaints and because the consumer has in fact been kept in the dark by organized real estate in its need to maintain high membership numbers, only an Advisor now appears to hold those agents who break the rules accountable.

An aggrieved consumer will use the same facts as they would in a lawsuit to file a claim to a real estate commission that issued the licenses.

As chairman of the Vancouver Island Real Estate Board's Standards of Practice Committee, I have had to deal with a number of consumer complaints on the issue.

As the leading advocate for real estate issues, it's our job to address this pressing issue as well as many others with Congress, regulators and industry official this week as we continue our fight to protect consumers in the real estate transaction, promote affordable financing, and address the issues affecting the real estate business and industry.

From November's issue of Real Estate magazine, RISMedia columnist Barbara Pronin interviews Michael Pruitt, President of Pruitt Real Estate about meeting consumer's needs, effectively equipping his sales force and keeping up with technology.

REM: The bureau has positioned this as a consumer choice issue; some within the real estate industry have said it's about brokers and Realtors having a wider choice of business models.

Mr Wood works in one of Canada's most challenging real estate markets where early warnings on consumer behaviour have consistently been forewarned by monitoring issues first brought forward in his trading area.

Many real estate practitioners work around the domain issue by publishing the e-mail address of their brokerage ([email protected]), personal Web site ([email protected]), or MLS ([email protected]), which then forwards messages to their consumer - based service.

It's one thing to know that consumers have trust issues and fear the complexities of the real estate transaction but another to figure out how to communicate that you have the solution.

Together, we can have a big impact on critical legislative issues affecting the real estate industry — and the consumers who rely on us to support homeownership.

«Ask Joe» tackles some issues that may be straightforward to real estate professionals, but can be technical and complex for the average consumer.

On November 20, 2013, the Consumer Financial Protection Bureau (CFPB) issued its final rule to integrate the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) disclosures and regulations, under the Know Before You Owe (KBYO) Mortgage Initiative.

As someone who cares deeply about public protection, home ownership and building stronger credibility and ethics in the real estate industry, I urge the government and OREA to challenge yourselves to ensure that what you are recommending is addressing the real issues consumers face.

On July 29, 2016, CFPB released a proposed rule to amend the KBYO regulation, addressing consumer and industry issues, including NAR's primary concern with lenders and title companies growing reluctance to share the new required Closing Disclosure with real estate professionals.

You must also complete the required course curriculum, which entails completing courses about Legal Issues in Real Estate (two days); Ethics and Business Practice (three days); Consumer Behaviour & Negotiating (three days); and three university or college level electives.

The vote came after a presidential advisory group studying the issue concluded that «the promotion of the facilitator concept would not be in the best interests of consumers or real estate licensees.»

The Consumers asserted that a 2001 policy statement issued by the United States Department of Housing and Urban Development («HUD») prohibited the collection of unearned fees for real estate settlement services and therefore any of the Lender's charges where no services were provided violated RESPA.

On July 9, 2012, the Consumer Financial Protection Bureau (CFPB) issued a 1,100 page proposal to harmonize the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act's (TILA) disclosures, forms and procedures.

Although real estate companies strongly support the packaging of services, NAR split with lender groups on the loan - costs issue because the recommendation was seen as reducing consumer choice by skewing competition in favor of lenders.

On March 18 the FTC Consumer Blog issued a post focused on hackers who have been breaking into some consumers» and real estate professionals» email accounts to get information about upcoming real estate transactions.

An advisory group may also identify and advise Council on trends and issues affecting the industry sector and real estate consumers.

Data accuracy — the issue plaguing Zillow as well — is a problem for Trulia's app, but its simple, elegant design paired with enhanced listing features like traffic info, nearby amenities, map - based school boundaries, price histories and a plethora of sharing tools, elevates it to the top tier of real estate - related mobile consumer apps, Clareity said.

Although the «required use» issue is viewed as a Real Estate Settlement Procedures Act (RESPA) violation, neither the Housing and Urban Development (HUD) nor the Consumer Financial Protection Bureau (CFPB) has had the resources to redress.

November 2014: RECA issued a Consumer Alert about Derek Johnson to alert consumers of Mr. Johnson's unauthorized activity, and predatory real estate and mortgage brokerage practices.

On March 10, 1997, the Department of State's legal counsel issued an Advisory Opinion regarding a consumer - incentive program offered by PHH Real Estate Services Corporation («PHH»).

Ultimately, NAR wants to establish a marriage of common interest with REALTORS ® and consumers — enlisting them to take action and become advocates for real estate issues — with the goal of working together to preserve access to homeownership, and making NAR the voice for real estate consumers as well.