As used in this part:
(1) |
“Mortgage lending process” means the process through which a person seeks or obtains a mortgage loan, including solicitation, application, or origination, negotiation of terms, third-party provider services, underwriting, signing and closing, and funding of the loan. |
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Terms Used In Utah Code 76-6-1202
- Deed: The legal instrument used to transfer title in real property from one person to another.
- Lien: A claim against real or personal property in satisfaction of a debt.
- Mortgage: The written agreement pledging property to a creditor as collateral for a loan.
- Person: means an individual, public or private corporation, government, partnership, or unincorporated association. See Utah Code 76-1-101.5
- Process: means a writ or summons issued in the course of a judicial proceeding. See Utah Code 68-3-12.5
- Property: includes both real and personal property. See Utah Code 68-3-12.5
- Signature: includes a name, mark, or sign written with the intent to authenticate an instrument or writing. See Utah Code 68-3-12.5
- Value: means the value of the property, money, or thing obtained or sought to be obtained. See Utah Code 76-6-1202
(2) |
“Mortgage loan”:
(a) |
means a loan or agreement made to extend credit to a person when the loan is secured by a deed, security deed, mortgage, security interest, deed of trust, or other document representing a security interest or lien upon any interest in one-to-four family residential property; and |
(b) |
includes the renewal or refinancing of any loan. |
|
(3) |
“Pattern of unlawful activity” has the same definition as in Section 76-10-1602. |
(4) |
“Sensitive personal identifying information” includes:
(a) |
the following information regarding an individual’s:
(i) |
Social Security number; |
(ii) |
driver license number or other government issued identification number; |
(iii) |
financial account number or credit or debit card number; |
(iv) |
password or personal identification number or other identification required to gain access to a financial account or a secure website; |
(v) |
automated or electronic signature; and |
(vi) |
unique biometric data; and |
|
(b) |
any other information that can be used to gain access to an individual’s financial accounts or to obtain goods or services. |
|
(5) |
“Value” means the value of the property, money, or thing obtained or sought to be obtained. |
Enacted by Chapter 370, 2008 General Session