# Real Estate Exam [California] 28, Federal Financing and Credit Laws

Page: https://stenobird.com/podcast/real-estate-exam-prep-7644240/real-estate-exam-california-28-federal-financing-and-credit-laws
Text version: https://stenobird.com/podcast/real-estate-exam-prep-7644240/real-estate-exam-california-28-federal-financing-and-credit-laws.md
Podcast: [Real Estate Exam Prep](https://stenobird.com/podcast/real-estate-exam-prep-7644240)
Published: 2026-07-02T00:21:14+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/b6336ed2-18c0-42a2-8a1c-b43f2d3325b6.mp3
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Duration seconds: 56

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The primary purpose of RESPA and how illegal kickbacks are tested. - The key disclosures required by the Truth in Lending Act (TILA) and Regulation Z. - The strict timing requirements for the Loan Estimate and Closing Disclosure under the TRID rule. - The protected classes under the Equal Credit Opportunity Act (ECOA) and common violation scenarios. - How to distinguish between RESPA, TILA, and ECOA on the California real estate exam. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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