COMBINED-Code of Ethics and Advisory Opinions 02132024

Published July 10, 2013 ETHICS ADVISORY OPINION 2013-03: Ethical Refinancing of HECM Single Disbursement Lump Sum Payment Option Loans and Anti-Churning Practices……………………………….58 Published October 17, 2013 ETHICS ADVISORY OPINION 2013- 04: Ethical Considerations Affecting HECM Loan MIP Premium Decision………………………………………………………………………………………….62 Published October 17, 2013 ETHICS ADVISORY OPINION 2014-1: Ethical Refinancing of HECM Reverse Mortgage Loans and Anti-Churning Considerations-Updated……………………………………………...64 Published September 26, 2014 ETHICS ADVISORY OPINION 2015-1: Freedom of Choice Remaining Draw Options After 12 Months/Ethical Obligations and Restrictions…………………………………………..68 Published February 4, 2015 ETHICS ADVISORY OPINION 2015-2: Ethical Refinancing of HECM Reverse Mortgage Loans and Anti-Churning Requirements-New Requirements…………………………………..,70 Published October 30, 2015 ETHICS ADVISORY OPINION 2016-1: Unethical Planned Prepayment HECM Loans……...74 Published May 6, 2016 ETHICS ADVISORY OPINION 2018-1: Re-Affirming the Code of Ethics’ Consumer Bona Fide Advantage Requirement……………………………………………………………………77 Published June 29, 2018 ETHICS ADVISORY OPINION 2022-1: Responsible Information Sharing of Mortgage Professional Adverse Activity............................................................................................................................79 Published May 23, 2022 ETHICS ADVISORY OPINION 2023-1: Ethical Considerations: Applicant Age and Loan (Credit) Pricing Adverse Activity............................................................................................................................82 Published September 25, 2023

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