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Chartered Property Casualty Underwriter (CPCU) is a professional designation in property-casualty insurance and risk management, [1] administered by The Institutes (AKA American Institute for Chartered Property Casualty Underwriters). Achieving the designation requires completion of eight courses covering topics such as risk management ...
The department, as the Department of Commerce, was formed in 1965 by Section 225 of the Executive Organization Act of 1965, 1965 PA 380, MCL 16.325.The Michigan Department of Licensing and Regulation was abolished with most responsibilities transferred to the newly formed Department. [1]
The Governor formed the department in hopes of better regulations thus drawing more insurance and banking companies to the state thus leading to more jobs. [4] In May 2013, the DIFS ordered two unlicensed pay day loan operators to stop activities in Michigan. [5]
Additionally, various state laws may apply. Underwriters receive the application and determine whether the loan can be accepted. If the underwriter is not satisfied with the documentation provided by the borrower, additional documentation and conditions may be imposed, called stipulations.
Credit is what the underwriter uses to review how well a borrower manages his or her current and prior debts. Usually documented by a credit report from each of the three credit bureaus, Equifax, Transunion and Experian, the credit report provides information such as credit scores, the borrower's current and past information about credit cards, loans, collections, repossession and foreclosures ...
Michigan taxpayers find it hard to track the status of their refunds early in the 2024 tax season. Supplemental checks are being issued for an expanded state earned income tax credit in 2022 ...
Here’s every state, ranked by how much each parent is going to spend on each kid. If you live in New Jersey, our hearts are with you. And congratulations if you’re in the Rushmore state.
The 1963 Constitution requires that all permanent agencies or commissions, except universities, be assigned to one of a maximum of twenty principal departments. [1] The principal departments are the: [2] [3]