MODULE ONE: CONTRACTS

 

Introduction to Contract

 

Real Estate Contracts

 

Statutes of Limitations and Breach of Contract

 

Module Quiz

 

 

 

MODULE TWO: Managing Earnest Money and Escrow/Trust Accounts

 

Introduction to Managing Escrow Accounts

 

Basics of Escrow and Earnest Money Deposits

 

IREBBEA and the Beneficiaries

http://www.habitat.org/housing-help/apply

https://www.habitat.org/volunteer/near-you/find-your-local-habitat

https://www.habitat.org/volunteer/build-events/carter-work-project

https://www.habitat.org/about/history/habitat-for-humanity-co-founder-linda-fuller

http://www.koinoniapartners.org/

https://www.habitat.org/about/history/habitat-for-humanity-co-founder-millard-fuller

https://www.habitat.org/volunteer/near-you/women-build

https://www.habitat.org/about/history

https://www.habitat.org/impact/our-work/neighborhood-revitalization

https://www.habitat.org/impact/our-work/terwilliger-center-innovation-in-shelter/microfinance

https://www.habitat.org/impact/solutions/terwilliger-center-innovation-in-shelter/microbuild

https://www.habitat.org/impact/our-work/terwilliger-center-innovation-in-shelter

https://www.habitat.org/about/advocacy/take-action/habitat-iii

http://www.habitat.org/archive/2016/10-3-Habitat-for-Humanity-commitments-to-reduce-poverty-and-foster-more-sustainable-cities

https://www.getreti.com/wp-content/uploads/2019/05/terwilliger-center-handbook.pdf

https://www.habitat.org/restores?gclid=CjwKCAiA5qTfBRAoEiwAwQy-6Xa4iOtU5u8yB7wK_4y9pPNpjC2Mz90bI2ZMxcl3hML4l4mLMGqyvhoCqkgQAvD_BwE

https://www.habitat.org/where-we-build

https://www.habitatmca.org/?utm_campaign=HFHI_AffiliateSearch&utm_medium=referral&utm_source=habitat.org

info@habitatmca.org

https://fullercenter.org/mission-statement/

https://fullercenter.org/volunteer

https://interland3.donorperfect.net/weblink/weblink.aspx?name=fullercenter&id=11

https://fullercenter.org/start-covenant-partner

sdriggers@fullercenter.org

https://fullercenter.org/chattahoochee

North Central Arkansas

CALIFORNIA
Los Angeles
Palm Desert
San Diego

COLORADO
Moffat County (Craig)

FLORIDA
Bahia Vista Community
Big Lake Fuller Center (Okeechobee) (organizing)
Central Florida
Greater Miami

Spring Hill (Nature Coast FCH)
Sarasota
Tallahassee *

GEORGIA
Albany Area *
Americus-Sumter County *

Blakely-Early County, Blakely
Lake Lanier-Cumming
Greater Atlanta
Henry County  (McDonough)
 
Macon *

Southwest Quarter (Lumpkin) 

IDAHO
Boundary County, Bonners Ferry
Lewis-Clark Valley (Lewiston)

Silver Valley (Smelterville) *

ILLINOIS
Chicago
Lake County-Waukegan *
Illinois Valley-Peoria

INDIANA

Central Indiana *
Greater Elkhart
Gary 
Jasper County-(Rensselaer)
Logansport 
St. Joseph County

IOWA
Southwest Iowa (Shenandoah)

KENTUCKY
Ashland-Ironton 
Land of Logan (Russellville)
Louisville
 *
Springfield

LOUISIANA
Ginger Ford Northshore (Hammond) *
Livingston Parish
Natchitoches 
New Iberia
Northwest Louisiana (Shreveport) *

Providence (Lake Providence)
Webster Parish *

MARYLAND
Prince George’s County-Brentwood

MISSISSIPPI
Copiah County-organizing
Greenwood / Leflore

Houston
Marshall County
Pike County*
Yalobusha County

MISSOURI
Greater Kansas City *

Johnson County (Warrensburg)
Joplin Area, Joplin

NEW JERSEY
Atlantic City

NEW YORK
Greater New York City (New Rochelle)*

NORTH CAROLINA

Surry/Stokes (Pilot Mountain)

OHIO
Clark County (Springfield)
Darke County
Greater Toledo
Northwest Portage County (Aurora)

OKLAHOMA
Ada
Oklahoma City

PENNSYLVANIA
Community Mission-Minersville
Hazleton 
Kensington-Philadelphia
Mercer County

SOUTH CAROLINA
Colleton County-Walterboro
Spartanburg

TENNESSEE
Middle TN-Nashville

TEXAS
Eastside Waxahachie (Dallas area)
Kilgore
Hunt County, Greenville

VIRGINIA
Carroll County Greater Area (Hillsville)

WEST VIRGINIA
Beckley
Potomac Highlands Fuller Center-Franklin

MOBILE COVENANT PARTNERS
Disaster ReBuilders
RV Builders

U.S. COMMONWEALTH
Puerto Rico

Email Compromise

https://files.consumerfinance.gov/f/documents/cfpb_buying-a-house_mortgage-closing_checklist.pdf

How You Know You’ve Been Hacked

What To Do When You’ve Been Hacked

What To Do Before You’re Hacked

http://www.staysafeonline.org/stay-safe-online/free-security-check-ups/

https://www.consumer.ftc.gov/articles/0011-malware

https://www.consumer.ftc.gov/articles/0009-computer-security#passwords

https://staysafeonline.org/stay-safe-online/keep-a-clean-machine/hacked-accounts

https://www.ftc.gov/smallbusiness

https://www.ftc.gov/news-events/audio-video/business/protecting-your-business

https://vimeo.com/user98318866

https://vimeo.com/

https://www.fbi.gov/scams-and-safety/common-fraud-schemes/business-fraud

https://www.fbi.gov/scams-and-safety/common-fraud-schemes/credit-card-fraud

https://www.fbi.gov/scams-and-safety/common-fraud-schemes/internet-auction-fraud

https://www.fbi.gov/scams-and-safety/common-fraud-schemes/investment-fraud

https://www.fbi.gov/scams-and-safety/common-fraud-schemes/nigerian-letter-or-419-fraud

https://www.fbi.gov/scams-and-safety/common-fraud-schemes/non-delivery-of-merchandise

http://www.ic3.gov/media/annualreports.aspx

http://www.ic3.gov/crimeschemes.aspx

http://www.ic3.gov/preventiontips.aspx

https://www.getreti.com/wp-content/uploads/2019/03/C-12-1020-12-TD02.pdf

https://www.newscentermaine.com/article/news/local/homebuyers-beware-billion-dollar-phishing-scam-hits-maine/97-593125873

https://www.localsyr.com/news/local-news/onondaga-county-da-issues-warning-of-increased-direct-deposit-phishing-scams/

https://www.larealtors.org/publications/2019/2/22/breaking-news-email-scam-alert

https://abovethelaw.com/2019/01/biglaw-firm-duped-into-wiring-money-to-scam-account-loses-2-5-million-in-cyber-breach/

Nathan E. Hardwick IV and the DOJ

https://www.justice.gov/usao-ndga

https://www.law.com/dailyreportonline/2018/10/12/hardwick-convicted-on-all-counts/

https://www.law.com/author/profile/Meredith-Hobbs/

https://www.law.com/dailyreportonline/2018/10/12/hardwick-convicted-on-all-counts/

https://www.law.com/dailyreportonline/2019/02/12/hardwick-sentenced-to-15-years-for-greedy-and-deceitful-conduct/

https://www.law.com/dailyreportonline/2019/02/13/judge-sentences-hardwick-co-conspirator-maurya-to-seven-years/

https://www.getreti.com/wp-content/uploads/2019/07/ltaguidelinessubsidiaryledger.pdf

 

Module Quiz

 

 

 

MODULE THREE: Agency

 

Introduction to Agency

 

Agency

 

What’s New in Residential Real Estate Brokerage Agency (Part 1)

https://www.ftc.gov/news-events/audio-video

 

 

What’s New in Residential Real Estate Brokerage Agency (Part 2)

https://vimeo.com/352599908

 

What’s New in Residential Real Estate Brokerage Agency (Part 3)

https://www.ftc.gov/news-events/events-calendar/2018/04/whats-new-residential-real-estate-brokerage-competition-ftc-doj

https://vimeo.com/352598144

 

I-Buyers ‚Äď A Popular Emerging Model

https://www.opendoor.com/w/faq/why-home-condition-assessment

https://www.opendoor.com/w/guides/how-opendoors-costs-compare-with-traditional-home-sale

https://www.opendoor.com/w/faq/why-home-condition-assessment

https://www.opendoor.com/w/faq/what-happens-to-my-home-after-ive-sold-it-to-opendoor

https://opendoormortgage.co/#showabad

https://www.opendoor.com/w/trusted-lenders

https://www.opendoor.com/w/faq/can-i-use-my-own-agent-to-buy-with-opendoor

https://buywith.opendoor.com/

https://www.opendoor.com/w/faq/what-is-a-self-tour-home

https://www.opendoor.com/w/faq/how-does-buying-from-opendoor-work

https://www.opendoor.com/w/faq/qualify-for-financing-before-submit-offer

https://www.opendoor.com/w/guarantee

https://www.opendoor.com/w/faq/what-are-the-benefits-of-trading-in-with-opendoor

https://www.opendoor.com/w/faq/how-can-i-lower-my-service-charge-by-2-if-i-trade-in-in-dallas-fort-worth-or-phoenix

https://www.opendoor.com/w/faq/how-trade-in-home-builder-works

https://www.opendoor.com/w/how-it-works

https://www.knock.com/

https://www.offerpad.com/

https://sell.offerpad.com/

https://www.offerpad.com/move-for-free/

https://www.offerpad.com/extended-stay/

https://www.offerpad.com/benefits/

https://www.offerpad.com/move-for-free/

https://www.zillow.com/offers/

https://www.redfin.com/now

https://www.redfin.com/now

Module Quiz

 

 

 

MODULE FOUR:

Tools to Succeed

 

Introduction to Tools to Succeed

 

Advertising and Marketing on the Internet

http://www.law.cornell.edu/uscode/15/41.html

https://www.ftc.gov/bcp/policystmt/ad-decept.htm

http://www.law.cornell.edu/uscode/15/41.html

https://www.ftc.gov/bcp/policystmt/ad-unfair.htm

http://www.bbb.org/

https://www.ftc.gov/

http://www.consumer.gov/

http://www.bbb.org/

https://www.ftc.gov/ro/romap2.htm

http://www.bbb.org/advertising/advertiserAssist.html

https://www.ftccomplaintassistant.gov/

Planning to Marketing

https://youtu.be/ZdkQKLLD9_g

Affinity marketing

Advertising

History of advertising

Sex in Advertising

Advertising management

American business history

Brand awareness

Co-marketing

Consumer confusion

Consumer behaviour

Database marketing

Demand chain

Digital marketing

Email remarketing

Family in advertising

History of marketing

List of marketing terms

Loyalty marketing

Macromarketing

Marketing mix

Marketing Management

Marketing research

Marketing strategy

Micromarketing

Media manipulation

Multicultural marketing

Product management

Production orientation

Public Sector Marketing

Real-time marketing

Relationship marketing

Smarketing

Societal marketing

Sustainable market orientation

Visual marketing

https://www.sba.gov/business-guide/launch/open-business-bank-account-fees-benefits

https://www.irs.gov/businesses/small-businesses-self-employed/form-8300-and-reporting-cash-payments-of-over-10000

Prospecting PPLS

 

 

Understanding Your Customer

Consumer Credit Data: URL, https://www.federalreserve.gov/releases/g19/current/default.htm

U.S. Bureau of Economic Analysis: URL, https://www.bea.gov/

Consumer Product-Related Statistics: URL, https://www.cpsc.gov/

Inflation and Consumer Statistics: URL, https://www.bls.gov/cpi/factsheets/home.htm

Employment Statistics: URL, https://www.bls.gov/bls/employment.htm

Export Research: URL, https://www.export.gov/Market-Diversification

 

Module Quiz

 

 

 

What have you learned?

 

 

 

MODULE FIVE:

Fair Housing and Ethics

 

Introduction to Fair Housing

 

Reflections of the Fair Housing Act

The Fair Housing Act

https://youtu.be/x0Z_qjBHITs

https://www.hud.gov/program_offices/fair_housing_equal_opp/non_discrimination_housing_and_community_development_0

https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending

Sexual Harassment in Housing

https://youtu.be/bOclz1b4kmg

https://youtu.be/6MjOg0Soc48

https://youtu.be/9SL3enTQzTA

https://www.federalregister.gov/documents/2016/09/14/2016-21868/quid-pro-quo-and-hostile-environment-harassment-and-liability-for-discriminatory-housing-practices

https://www.hud.gov/program_offices/fair_housing_equal_opp/sexual_harassment_resources

https://www.hud.gov/program_offices/fair_housing_equal_opp/sexual_harassment_resources

https://www.federalregister.gov/documents/2016/09/14/2016-21868/quid-pro-quo-and-hostile-environment-harassment-and-liability-for-discriminatory-housing-practices

 

Protection for Persons with Disabilities

http://www.usdoj.gov/crt/ada/adahom1.htm

https://www.hud.gov/program_offices/fair_housing_equal_opp/disabilities/sect504faq

https://www.hud.gov/program_offices/fair_housing_equal_opp/physical_accessibility

https://www.hud.gov/program_offices/fair_housing_equal_opp/assistance_animals

Rules Against Children are Discriminatory

 

Housing for Older Persons

 

Housing Choice Voucher Program Section 8

https://www.hud.gov/program_offices/public_indian_housing/pha/contacts

https://www.hud.gov/program_offices/public_indian_housing/pha/contacts

https://www.hud.gov/states

Subpart A‚ÄĒGeneral Information

§982.1   Programs: purpose and structure.
§982.2   Applicability.
§982.3   HUD.
§982.4   Definitions.
§982.5   Notices required by this part.

Subpart B‚ÄĒHUD Requirements and PHA Plan for Administration of Program

§982.51   PHA authority to administer program.
§982.52   HUD requirements.
§982.53   Equal opportunity requirements and protection for victims of domestic violence, dating violence, sexual assault, or stalking.
§982.54   Administrative plan.

Subpart C‚ÄĒFunding and PHA Application for Funding

§982.101   Allocation of funding.
§982.102   Allocation of budget authority for renewal of expiring consolidated ACC funding increments.
§982.103   PHA application for funding.
§982.104   HUD review of application.

Subpart D‚ÄĒAnnual Contributions Contract and PHA Administration of Program

§982.151   Annual contributions contract.
§982.152   Administrative fee.
§982.153   PHA responsibilities.
§982.154   ACC reserve account.
§982.155   Administrative fee reserve.
§982.156   Depositary for program funds.
§982.157   Budget and expenditure.
§982.158   Program accounts and records.
§982.159   Audit requirements.
§982.160   HUD determination to administer a local program.
§982.161   Conflict of interest.
§982.162   Use of HUD-required contracts and other forms.
§982.163   Fraud recoveries.

Subpart E‚ÄĒAdmission to Tenant-Based Program

§982.201   Eligibility and targeting.
§982.202   How applicants are selected: General requirements.
§982.203   Special admission (non-waiting list): Assistance targeted by HUD.
§982.204   Waiting list: Administration of waiting list.
§982.205   Waiting list: Different programs.
§982.206   Waiting list: Opening and closing; public notice.
§982.207   Waiting list: Local preferences in admission to program.

Subpart F [Reserved]

Subpart G‚ÄĒLeasing a Unit

§982.301   Information when family is selected.
§982.302   Issuance of voucher; Requesting PHA approval of assisted tenancy.
§982.303   Term of voucher.
§982.304   Illegal discrimination: PHA assistance to family.
§982.305   PHA approval of assisted tenancy.
§982.306   PHA disapproval of owner.
§982.307   Tenant screening.
§982.308   Lease and tenancy.
§982.309   Term of assisted tenancy.
§982.310   Owner termination of tenancy.
§982.311   When assistance is paid.
§982.312   Absence from unit.
§982.313   Security deposit: Amounts owed by tenant.
§982.315   Family break-up.
§982.316   Live-in aide.
§982.317   Lease-purchase agreements.

Subpart H‚ÄĒWhere Family Can Live and Move

§982.351   Overview.
§982.352   Eligible housing.
§982.353   Where family can lease a unit with tenant-based assistance.
§982.354   Move with continued tenant-based assistance.
§982.355   Portability: Administration by initial and receiving PHA.

Subpart I‚ÄĒDwelling Unit: Housing Quality Standards, Subsidy Standards, Inspection and Maintenance

§982.401   Housing quality standards (HQS).
§982.402   Subsidy standards.
§982.403   Terminating HAP contract when unit is too small.
§982.404   Maintenance: Owner and family responsibility; PHA remedies.
§982.405   PHA initial and periodic unit inspection.
§982.406   Use of alternative inspections.
§982.407   Enforcement of HQS.

Subpart J‚ÄĒHousing Assistance Payments Contract and Owner Responsibility

§982.451   Housing assistance payments contract.
§982.452   Owner responsibilities.
§982.453   Owner breach of contract.
§982.454   Termination of HAP contract: Insufficient funding.
§982.455   Automatic termination of HAP contract.
§982.456   Third parties.

Subpart K‚ÄĒRent and Housing Assistance Payment

§982.501   Overview.
§982.503   Payment standard amount and schedule.
§982.504   Payment standard for family in restructured subsidized multifamily project.
§982.505   How to calculate housing assistance payment.
§982.506   Negotiating rent to owner.
§982.507   Rent to owner: Reasonable rent.
§982.508   Maximum family share at initial occupancy.
§982.509   Rent to owner: Effect of rent control.
§982.510   Other fees and charges.
§982.514   Distribution of housing assistance payment.
§982.515   Family share: Family responsibility.
§982.516   Family income and composition: Annual and interim examinations.
§982.517   Utility allowance schedule.
§982.521   Rent to owner in subsidized project.

Subpart L‚ÄĒFamily Obligations; Denial and Termination of Assistance

§982.551   Obligations of participant.
§982.552   PHA denial or termination of assistance for family.
§982.553   Denial of admission and termination of assistance for criminals and alcohol abusers.
§982.554   Informal review for applicant.
§982.555   Informal hearing for participant.

Subpart M‚ÄĒSpecial Housing Types

§982.601   Overview.

Single Room Occupancy (SRO)

§982.602   SRO: Who may reside in an SRO?
§982.603   SRO: Lease and HAP contract.
§982.604   SRO: Voucher housing assistance payment.
§982.605   SRO: Housing quality standards.

Congregate Housing

§982.606   Congregate housing: Who may reside in congregate housing.
§982.607   Congregate housing: Lease and HAP contract.
§982.608   Congregate housing: Voucher housing assistance payment.
§982.609   Congregate housing: Housing quality standards.

Group Home

§982.610   Group home: Who may reside in a group home.
§982.611   Group home: Lease and HAP contract.
§982.612   Group home: State approval of group home.
§982.613   Group home: Rent and voucher housing assistance payment.
§982.614   Group home: Housing quality standards.

Shared Housing

§982.615   Shared housing: Occupancy.
§982.616   Shared housing: Lease and HAP contract.
§982.617   Shared housing: Rent and voucher housing assistance payment.
§982.618   Shared housing: Housing quality standards.

Cooperative

§982.619   Cooperative housing.

Manufactured Home

§982.620   Manufactured home: Applicability of requirements.
§982.621   Manufactured home: Housing quality standards.

Manufactured Home Space Rental

§982.622   Manufactured home space rental: Rent to owner.
§982.623   Manufactured home space rental: Housing assistance payment.
§982.624   Manufactured home space rental: Utility allowance schedule.

Homeownership Option

§982.625   Homeownership option: General.
§982.626   Homeownership option: Initial requirements.
§982.627   Homeownership option: Eligibility requirements for families.
§982.628   Homeownership option: Eligible units.
§982.629   Homeownership option: Additional PHA requirements for family search and purchase.
§982.630   Homeownership option: Homeownership counseling.
§982.631   Homeownership option: Home inspections, contract of sale, and PHA disapproval of seller.
§982.632   Homeownership option: Financing purchase of home; affordability of purchase.
§982.633   Homeownership option: Continued assistance requirements; Family obligations.
§982.634   Homeownership option: Maximum term of homeownership assistance.
§982.635   Homeownership option: Amount and distribution of monthly homeownership assistance payment.
§982.636   Homeownership option: Portability.
§982.637   Homeownership option: Move with continued tenant-based assistance.
§982.638   Homeownership option: Denial or termination of assistance for family.
§982.639   Homeownership option: Administrative fees.
§982.641   Homeownership option: Applicability of other requirements.
§982.642   Homeownership option: Pilot program for homeownership assistance for disabled families.
§982.643   Homeownership option: Downpayment assistance grants.

 

American with Disabilities Act

http://www.eeoc.gov/laws/types/disability.cfm

https://www.eeoc.gov/eeoc/history/ada25th/index.cfm

https://www.eeoc.gov/employers/coverage.cfm

https://www.eeoc.gov/policy/docs/accommodation.html

https://www.eeoc.gov/laws/guidance/pregnancy_guidance.cfm

https://www.eeoc.gov/policy/docs/fmlaada.html

https://www.eeoc.gov/policy/docs/workcomp.html

https://www.eeoc.gov/facts/performance-conduct.html

https://www.eeoc.gov/

http://www.dol.gov/whd/regs/compliance/whdfs28.pdf

https://www.eeoc.gov/policy/docs/accommodation.html

The ADA Amendments Act

Veterans with Disabilities

·       Tips for Applicants with Disabilities Applying for Federal Jobs

·       The ABCs of Schedule A

·       Q&A: Promoting Employment of Individuals with Disabilities in the Federal Workforce

The Questions and Answers Series

Mediation and the ADA

HIV/AIDS and the ADA

The following documents were developed by the U.S. Department of Justice.

Module Quiz

 

 

 

MODULE SIX: Antitrust

 

Introduction to Antitrust

 

Guide to Antitrust

https://www.getreti.com/wp-content/uploads/securepdfs/2019/07/zgen01.pdf

https://www.ftc.gov/tips-advice/competition-guidance/guide-antitrust-laws/antitrust-laws

https://www.ftc.gov/news-events/press-releases/1993/01/ftc-targets-alleged-conspiracy-against-competition-kansas-city

http://www.usdoj.gov/atr/public/guidelines/211578.pdf

https://www.ftc.gov/enforcement/cases-and-proceedings/cases/2002/06/fmc-corporation-and-asahi-chemical-industry-co-ltd

https://www.ftc.gov/os/caselist/0510234/index.shtm

https://www.ftc.gov/enforcement/cases-and-proceedings/cases/2000/08/matter-toys-r-us-corporation

https://www.ftc.gov/sites/default/files/attachments/competition-policy-guidance/statements_of_antitrust_enforcement_policy_in_health_care_august_1996.pdf

http://www.usdoj.gov/atr/public/busreview/229887.htm

https://www.ftc.gov/os/caselist/0110242.shtm

https://www.ftc.gov/os/caselist/0210144.shtm

https://www.ftc.gov/enforcement/cases-and-proceedings/cases/2010/01/matter-realcomp-ii-ltd

https://www.ftc.gov/sites/default/files/attachments/tying-sale-two-products/ftcvolumedecision115january-december1992pages560-669.pdf

https://www.ftc.gov/bc/docs/16cfr240.shtm

https://www.ftc.gov/os/caselist/c4032.shtm

https://www.ftc.gov/os/caselist/0310097/0310097.shtm

https://www.ftc.gov/os/caselist/0510022/0510022.shtm

https://www.ftc.gov/os/adjpro/d9300/index.shtm

https://www.ftc.gov/os/caselist/0410083/0410083.shtm

https://www.ftc.gov/os/caselist/c3832.shtm

https://www.ftc.gov/os/caselist/c3911.shtm

https://www.ftc.gov/enforcement/cases-proceedings/101-0080b/mcwane-inc-star-pipe-products-ltd-matter

https://edit.ftc.gov/os/1996/11/c3693.do.htm

https://www.ftc.gov/sites/default/files/attachments/competition-policy-guidance/0558.pdf

Famous Antitrust Lawsuits

 

CHRISTOPHER MOEHRL Lawsuit

https://www.getreti.com/wp-content/uploads/securepdfs/2019/07/119cv1610-USDC-Northern-Illinois-1.pdf

 

Module Quiz

 

 

 

MODULE SEVEN: Intra/Inter Office Confidentiality

 

Introduction to Intra/Inter Confidentiality

 

Intra Office Confidentiality Overview

 

Data Breach ‚Äď PROTECTING PERSONAL INFORMATION

https://youtu.be/PkAmNNYyy4Y

https://www.ftc.gov/tips-advice/business-center/guidance/protecting-personal-information-guide-business

https://www.ftc.gov/tips-advice/business-center/guidance/protecting-personal-information-guide-business

https://www.ftc.gov/tips-advice/business-center/privacy-and-security/data-security

https://www.ftc.gov/sites/all/libraries/infosecurity/

https://www.ftc.gov/tips-advice/business-center/privacy-and-security/gramm-leach-bliley-act

https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-credit-reporting-act

http://business.ftc.gov/privacy-and-security

 Complaint for Civil Penalties, Permanent Injunction, and Other Relief (698.29 KB)

 Stipulated Motion to Enter Consent Decree and Order for Civil Penalties, Injunction, and Other Relief (60.31 KB)

 Consent Decree and Order for Civil Penalties, Injunction and Other Relief (1.49 MB)

PRESS RELEASE: FTC Charges That Security Flaws in RockYou Game Site Exposed 32 Million Email Addresses and Passwords

 

https://www.ftc.gov/os/2005/06/index.htm#16

https://www.getreti.com/wp-content/uploads/2019/07/092305comp0423160.pdf

https://public.commentworks.com/ftc/twitter

https://www.ftccomplaintassistant.gov/

https://www.ftc.gov/consumer

https://youtu.be/g2QtwwxvNe8

https://www.ftc.gov/enforcement/cases-proceedings/092-3093/twitter-inc-corporation

https://www.ftc.gov/enforcement/cases-proceedings/062-3057/guidance-software-inc-matter

https://www.ftc.gov/enforcement/cases-proceedings/052-3094/reed-elsevier-inc-seisint-inc-matter

https://www.ftc.gov/enforcement/cases-proceedings/092-3093/twitter-inc-corporation

https://www.ftc.gov/enforcement/cases-proceedings/052-3136/superior-mortgage-corp-matter

·       Consumer Protection

·       Privacy and Security

·       Data Security

https://www.ftc.gov/enforcement/cases-proceedings/072-3111-072-3158/valueclick-inc-hi-speed-media-inc-e-babylon-inc-us

https://www.ftc.gov/ftc/complaint.shtm

https://www.ftc.gov/bcp/consumer.shtm

https://www.ftc.gov/enforcement/cases-proceedings/132-3089/fandango-llc

https://www.ftc.gov/enforcement/cases-proceedings/132-3091/credit-karma-inc

https://www.ftc.gov/system/files/documents/cases/140328fandangocmpt.pdf

https://www.ftc.gov/system/files/documents/cases/140328creditkarmacmpt.pdf

https://www.ftc.gov/news-events/press-releases/2014/08/ftc-approves-final-orders-settling-charges-against-fandango

https://www.ftc.gov/enforcement/cases-proceedings/052-3096/dsw-incin-matter

https://www.ftc.gov/enforcement/cases-proceedings/082-3153/dave-busters-incin-matter

https://www.ftc.gov/enforcement/cases-proceedings/052-3148/cardsystems-solutions-inc-solidus-networks-inc-dba-pay-touch

https://www.ftc.gov/enforcement/cases-proceedings/0723004/premier-capital-lending-inc-et-al-matter

https://www.ftc.gov/enforcement/cases-proceedings/082-3208/settlementone-credit-corporation

https://www.ftc.gov/enforcement/cases-proceedings/072-3069-x100023/lifelock-inc-corporation

https://www.ftc.gov/enforcement/cases-proceedings/132-3078/snapchat-inc-matter

https://www.ftc.gov/enforcement/cases-proceedings/122-3090/trendnet-inc-matter

https://www.ftc.gov/enforcement/cases-proceedings/022-3260/guess-inc-guesscom-inc-matter

https://www.owasp.org/index.php/Category:OWASP_Top_Ten_Project

https://www.ftc.gov/enforcement/cases-proceedings/122-3095/gmr-transcription-services-inc-matter

https://www.ftc.gov/enforcement/cases-proceedings/102-3116/upromise-inc

https://www.ftc.gov/news-events/press-releases/2015/12/lifelock-pay-100-million-consumers-settle-ftc-charges-it-violated

https://www.ftc.gov/enforcement/cases-proceedings/closing-letters/dollar-tree-stores-inc

https://www.ftc.gov/enforcement/cases-proceedings/122-3077/accretive-health-inc-matter

https://www.ftc.gov/enforcement/cases-proceedings/112-3120/cbr-systems-inc-matter

https://www.ftc.gov/enforcement/cases-proceedings/072-3121/rite-aid-corporation-matter

https://www.ftc.gov/enforcement/cases-proceedings/072-3119/cvs-caremark-corporation-matter

https://www.ftc.gov/enforcement/cases-proceedings/072-3013/goal-financial-llc-matter

http://business.ftc.gov/

https://www.ftc.gov/tips-advice/business-center/privacy-and-security/data-security

 

Cyber Security Glossary

 

 

Securing Wireless Networks and Module Quiz

https://youtu.be/ab0T4_5AeHI

http://www.us-cert.gov/ncas/tips/ST17-001

https://www.us-cert.gov/ncas/tips/ST04-017

https://www.us-cert.gov/cas/tips/ST04-002.html

https://www.us-cert.gov/cas/tips/ST04-019.html

https://www.us-cert.gov/cas/tips/ST04-004.html

https://www.us-cert.gov/ncas/tips/ST04-005

https://www.us-cert.gov/cas/tips/ST04-016.html

https://www.us-cert.gov/cas/tips/ST04-001.html

https://www.us-cert.gov/ncas/tips/ST04-002

 

Module Quiz

 

 

 

What have you learned?

 

 

 

MODULE EIGHT: Environmental Hazards

 

Introduction to Environmental Hazards

 

The Comprehensive Environmental Response, Compensation, and Liability Act

https://www.epa.gov/laws-regulations/summary-emergency-planning-community-right-know-act

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0201290&msspp=med

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402072

https://www.epa.gov/superfund/superfund-cercla-overview

Protect human health and the environment by cleaning up contaminated sites;

Make responsible parties pay for cleanup work;

Involve communities in the Superfund process;

Return Superfund sites to productive use.

https://www.epa.gov/enforcement/waste-chemical-and-cleanup-enforcement

https://www.epa.gov/history/epa-history-superfund

https://www.epa.gov/superfund/current-npl-updates-new-proposed-npl-sites-and-new-npl-sites

https://epa.maps.arcgis.com/apps/webappviewer/index.html?id=33cebcdfdd1b4c3a8b51d416956c41f1

https://www.epa.gov/superfund/proposed-national-priorities-list-npl-sites-state

https://www.epa.gov/superfund/final-national-priorities-list-npl-sites-state

https://www.epa.gov/superfund/deleted-national-priorities-list-npl-sites-state

https://www.epa.gov/superfund/partial-deletions-npl-sites-state

https://www.epa.gov/superfund/construction-completions-npl-sites-state

https://www.epa.gov/superfund-redevelopment-initiative

http://archive.epa.gov/katrina/web/html/

https://www.epa.gov/brownfields/types-brownfields-grant-funding#tab-6

http://www.nber.org/papers/w16844

http://www.sciencedirect.com/science/article/pii/S0095069612001167

https://www.epa.gov/superfund/superfund-program-review

https://www.epa.gov/superfund/superfund-success-stories

Superfund in Mississippi

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402260

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402288

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0404172

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402473

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402489

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402479

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402374

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0404404

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402231

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402405

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402253

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0402466

https://www.epa.gov/superfund/forms/contact-us-about-superfund

https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-d/

%20region4press@epa.gov

https://www.cdfifund.gov/Pages/Opportunity-Zones.aspx

https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-y/

https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-j/

https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-t/

https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-i/

https://usenvironmentalprotectionagency.cmail19.com/t/d-l-pdjiidk-alyjugly-d/

https://www.epa.gov/rcra

https://cumulis.epa.gov/supercpad/SiteProfiles/index.cfm?fuseaction=second.Stayup&id=0402285

https://www.getreti.com/wp-content/uploads/2019/12/grenada_stamping_fs_v1_1_25_16.pdf

https://www.epa.gov/grenadacleanup/epa-cleanup-grenada-manufacturing-llc-facility

https://www.epa.gov/grenadacleanup/sampling-results-eastern-heights-grenada-ms

https://www.epa.gov/grenadacleanup/sampling-results-grenada-manufacturing-facility

https://www.epa.gov/grenadacleanup/environmental-study-grenada-manufacturing-facility

https://www.epa.gov/grenadacleanup/june-2015-epa-letter-directing-grenada-manufacturing-llc-write-interim-measures

https://www.epa.gov/grenadacleanup/december-30-2015-request-additional-interim-measures-grenada-manufacturing-llc

https://www.epa.gov/grenadacleanup/environmental-study-grenada-manufacturing-facility

https://www.epa.gov/grenadacleanup/january-29-2016-grenada-manufacturing-llc-response-request-additional-interim

https://www.epa.gov/grenadacleanup/sampling-results-eastern-heights-grenada-ms

https://www.epa.gov/grenadacleanup/sampling-results-grenada-manufacturing-facility

https://www.epa.gov/grenadacleanup/december-30-2015-request-additional-interim-measures-grenada-manufacturing-llc

https://www.epa.gov/grenadacleanup/january-29-2016-grenada-manufacturing-llc-response-request-additional-interim

https://www.epa.gov/grenadacleanup/march-30-2016-epa-email-grenada-mfg-llc-action-items-and-timeframes

https://www.epa.gov/grenadacleanup/epa-memo-data-gaps-environmental-characterization

https://www.epa.gov/grenadacleanup/environmental-study-eastern-heights-grenada-ms

https://www.epa.gov/grenadacleanup/sampling-results-grenada-manufacturing-facility

https://www.epa.gov/grenadacleanup/sampling-results-eastern-heights-grenada-ms

https://www.epa.gov/grenadacleanup

holtzclaw.brian@epa.gov

https://www.epa.gov/enforcement/rcra-corrective-action-cleanup-enforcement

https://www.epa.gov/grenadacleanup/grenada-2010-hazardous-and-solid-waste-amendments-hswa-permit-signed

http://www.deq.state.ms.us/MDEQ.nsf/page/CE_GrenadaManufacturingLLC?OpenDocument

https://www.epa.gov/newsreleases/epa-releases-list-superfund-sites-targeted-immediate-intense-attention

https://www.epa.gov/newsreleases/administrator-pruitt-updates-list-superfund-sites-targeted-immediate-intense-action

https://cumulis.epa.gov/supercpad/cursites/csitinfo.cfm?id=0403508

http://www.epa.gov/superfund/superfund-task-force

https://semspub.epa.gov/work/04/11095404.pdf

https://youtu.be/ItMKjHdMKX8

 

Mold

https://www.getreti.com/wp-content/uploads/2019/12/moldguide12.pdf

https://www.epa.gov/indoor-air-quality-iaq

https://www.epa.gov/sites/production/files/2017-08/documents/flood_cleanup_and_the_air_in_your_home_booklet_0.pdf

https://www.epa.gov/mold

https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-home

https://espanol.epa.gov/cai/una-breve-guia-para-el-moho-la-humedad-y-su-hogar

https://espanol.epa.gov/cai/diez-cosas-que-debe-saber-acerca-del-moho

http://www.cdc.gov/mold/

https://www.epa.gov/asthma

 

Radon

https://youtu.be/-S8vr27plZs

https://www.epa.gov/sites/production/files/2016-02/documents/2013_consumers_guide_to_radon_reduction.pdf

http://www.fixradon.com/publications/HUD_radon_fact_sheet.pdf

 

Lead Based Paint

http://www2.epa.gov/lead/learn-about-lead#lead

 

Flint Drinking Water Crisis

http://www.michigan.gov/flintwater

https://www.npr.org/sections/thetwo-way/2016/04/20/465545378/lead-laced-water-in-flint-a-step-by-step-look-at-the-makings-of-a-crisis

https://www.history.com/topics/us-states/michigan

https://www.cnn.com/2016/03/04/us/flint-water-crisis-fast-facts/index.html

https://www.census.gov/quickfacts/fact/table/flintcitymichigan/PST045217

http://michiganradio.org/post/leaked-internal-memo-shows-federal-regulator-s-concerns-about-lead-flint-s-water

http://time.com/4634937/flint-water-crisis-criminal-charges-bottled-water/

https://www.michigan.gov/egle/0,9429,7-135-3308_3323-508967–,00.html

https://www.michigan.gov/documents/snyder/18-DEQF-0133-CLEARResultsGraphic-003-LR_619901_7.PDF

https://www.michigan.gov/documents/snyder/18-DEQF-0121_LeadLevels_Infographic_UPDATES-001-LR_619900_7.PDF

https://www.michigan.gov/documents/snyder/18-DEQF-0130_WaterFAQ-004-LR_619902_7.PDF

https://en.wikipedia.org/wiki/Flint_water_crisis

How lead gets into drinking water

Health effects of being exposed to lead in drinking water

Can I shower in lead-contaminated water?

Find out if lead is in your drinking water

Important steps you can take to reduce lead in drinking water

Get your child tested to determine lead levels in his or her blood

Find out if lead in drinking water is an issue in your child’s school or child care facility

EPA’s drinking water regulations for lead

Recent actions and revisions

How EPA requires states and public water systems to protect drinking water

Learn more about the maximum allowable content of lead in pipes, solder, fittings and fixtures

Learn more about EPA’s regulations to prevent lead in drinking water

Learn how to identify lead-free certification marks on drinking water system and plumbing products (PDF)

https://www.epa.gov/dwreginfo/lead-and-copper-rule

https://www.epa.gov/ground-water-and-drinking-water/basic-information-about-lead-drinking-water#regs

https://www.epa.gov/lead/learn-about-lead

https://www.epa.gov/ccr

http://www.cdc.gov/nceh/lead/tips/water.htm

http://nepis.epa.gov/Exe/ZyPDF.cgi?Dockey=500025PW.txt

https://www.epa.gov/privatewells

https://www.epa.gov/dwreginfo/public-notification-rule

https://www.epa.gov/lead/protect-your-family-exposures-lead#testdw

https://www.epa.gov/your-drinking-water/home-drinking-water-testing-fact-sheet

https://www.epa.gov/sites/production/files/2017-08/documents/epa_lead_in_drinking_water_final_8.21.17.pdf

Fact sheet: How to Identify Lead-Free Certification Marks for Drinking Water System & Plumbing Products (PDF)

Factsheet: A Consumer Tool for Identifying Point of Use (POU) Drinking Water Filters Certified to Reduce Lead (PDF)

How to make your home lead-safe

What you can do to protect your drinking water

https://www.epa.gov/dwreginfo/testing-schools-and-child-care-centers-lead-drinking-water

https://www.epa.gov/dwreginfo/drinking-water-schools-and-child-care-facilities

https://www.epa.gov/ground-water-and-drinking-water/basic-information-about-lead-drinking-water#self

Find your local Consumer Confidence Report

Information about CCRs for consumers

EPA’s CCR home page

https://www.epa.gov/dwreginfo/public-notification-rule

Webinar: Strategic Plan for Targeted Outreach to Populations Affected by Lead (March 2017)

Long-Term Revisions to the Lead and Copper Rule¬†‚ÄĒ¬†regulatory options to improve the existing rule

Memorandum: Implementation of the Lead and Copper Rule Provisions Related to Sample Site Selection and Triennial Monitoring (October 2016)

Document: Optimal Corrosion Control Treatment Evaluation Technical Recommendations (March 2016)

Memorandum: Clarifying Recommended Tap Sampling Procedures for the Lead and Copper Rule (February 2016)

EPA Letters to Governors and State Environment and Public Health Commissioners (2016)

https://www.epa.gov/dwregdev/how-epa-regulates-drinking-water-contaminants

About Lead in Drinking Water

Prevention Tips for Lead in Water

CDC main page on lead

http://www.atsdr.cdc.gov/phs/phs.asp?id=92&tid=22

http://www.atsdr.cdc.gov/substances/toxsubstance.asp?toxid=22

 

Renovation and Demolition Requirements / Asbestos

http://www2.epa.gov/asbestos

 

Module Quiz

 

 

 

What have you learned?

 

 

 

 MODULE NINE: Financing the Dream and Keeping the Dream Alive

 

Introduction to Financing the Dream and Keeping the Dream Alive

 

Basic Concepts and Terminology

 

Understanding Credit Reports and Scores

 

Lending Process: Application Through Closing

https://www.fha.com/define/loan-officer

https://www.fha.com/define/annual-income

https://www.fha.com/define/origination-fee

https://www.fha.com/define/discount-points

https://www.fha.com/define/good-faith-estimate

https://www.fha.com/define/hud

https://www.fha.com/define/hud-1-settlement-statement

https://www.fha.com/define/closing-disclosure

 

Types of Loans

https://entp.hud.gov/idapp/html/hicostlook.cfm

https://www.benefits.va.gov/HOMELOANS/purchaseco_certificate.asp

https://www.benefits.va.gov/HOMELOANS/nadl.asp

VA Home Loan Fact Sheet

How VA Helps

Summary of VA Home Loan Guaranty Benefits

Top 5 Benefits of the VA Home Loan Program

https://www.fsa.usda.gov/state-offices/index

https://www.fsa.usda.gov/programs-and-services/farm-loan-programs/funding/index

 

Module Quiz

 

 

 

What have you learned?

 

 

 

MODULE TEN: Property Condition Disclosure

 

Introduction to Property Condition Disclosure

 

Property Condition Disclosure Law

https://www.ahs.com/home-warranty/

 

Stambovsky v. Ackley

 

https://en.wikipedia.org/wiki/Case_citation

https://en.wikipedia.org/wiki/New_York_Supreme_Court,_Appellate_Division

https://en.wikipedia.org/wiki/Reader%27s_Digest

https://en.wikipedia.org/wiki/Damages

https://en.wikipedia.org/wiki/Fraud

https://en.wikipedia.org/wiki/Closing_(real_estate)

https://en.wikipedia.org/wiki/New_York_Supreme_Court

https://en.wikipedia.org/wiki/Caveat_emptor

https://en.wikipedia.org/wiki/William_Shakespeare

https://en.wikipedia.org/wiki/William_Shakespeare

https://en.wikipedia.org/wiki/Dissenting_opinion

https://en.wikipedia.org/wiki/Caveat_emptor

https://en.wikipedia.org/wiki/Hudson_River

https://en.wikipedia.org/wiki/Kreskin

Module Quiz

 

 

 

EVALUATION

 

Completion