Iowa § 535D.4A Exemptions

Iowa Statutes

§ 535D.4A — Exemptions

Iowa § 535D.4A

Title XIIICOMMERCE

Ch. 535DMORTGAGE LICENSING ACT

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Bluebook

Iowa Code § 535D.4A (2026).

Text

This chapter does not apply to any of the following:

1.Aregisteredmortgageloanoriginatorwhenactingforanemployerdescribedinsection 535D.3, subsection 12.

2.An individual who offers or negotiates terms of a residential mortgage loan with or on behalf of an immediate family member of the individual.

3.An individual who offers or negotiates terms of a residential mortgage loan secured by a dwelling that served as the individual’s residence.

4.A licensed attorney who negotiates the terms of a residential mortgage loan on behalf of a client as an ancillary matter to the attorney’s representation of the client, unless the attorney is compensated by a lender, a mortgage broker, or other mortgage loan originator or by any agent of such lender, mortgage broker, or other mortgage loan originator.

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This chapter does not apply to any of the following:
1. Aregisteredmortgageloanoriginatorwhenactingforanemployerdescribedinsection
535D.3, subsection 12.
2. An individual who offers or negotiates terms of a residential mortgage loan with or on
behalf of an immediate family member of the individual.
3. An individual who offers or negotiates terms of a residential mortgage loan secured by
a dwelling that served as the individual’s residence.
4. A licensed attorney who negotiates the terms of a residential mortgage loan on behalf
of a client as an ancillary matter to the attorney’s representation of the client, unless the
attorney is compensated by a lender, a mortgage broker, or other mortgage loan originator
or by any agent of such lender, mortgage broker, or other mortgage loan originator.
5. A licensed manufactured housing retailer selling mobile, manufactured, or modular
homes, if the retailer only assists the consumer in filling out a loan application and does not
offer or negotiate loan rates or terms, and does not do any counseling with consumers about
residential mortgage loan rates or terms and does not receive any payment or fee from any
company or individual for assisting the consumer.