HOUSTON COMMUNITY COLLEGE SYSTEM
Consumer Lending
BNKG 1345
Fall 2010 -Kurllenne Dowden-Martin, MBA
- Contact Number: 281-630-0413
- Assignment email address: kkdmartin@yahoo.com
COURSE DESCRIPTION (From HCCS 2001 - 2002 Catalog)
This course emphasizes the study of the different types of consumer loans. Identify the Federal
Regulations and State Laws pertaining to collection and servicing of a consumer loan and relate consumer
credit to the lending process. 3 credits (3 lecture).
TEXTS AND/OR REFERENCES
Consumer Lending, American Bankers Association by Richard E. Beck, Jr. and Susan M. Siegel, 6th
Edition, 2008
COURSE LEARNING OUTCOMES
1. Through in class participation, preparation and presentment of a term project, and written tests the
student will demonstrate knowledge of regulations governing credit practices, loan processing, cross
selling and collections.
2. The student will be able to identify components of the consumer installment credit market through
written exercises and/or tests.
3. The student will describe various loan products through written exercises and/or tests.
4. The student will be able to trace the lending process through participating in class discussions and/or
activities, written exercises and/or through written tests.
5. The student will apply credit math and loan pricing principles through participation in class, group,
and/or homework assignments, and/or written tests.
6. The student will identify variables that affect loan structure through written assignments and written
tests.
7. The student will identify opportunities for cross selling bank products through class work, homework, a
research project and written tests.
SCANS (Secretary’s Commission Addressing Necessary Skills) OBJECTIVES
1. Work with information: Acquire/evaluate data
Organize/maintain information
Interpret/communicate data
Through participation in the class work, group exercise and term project, the student will learn to
acquire data and evaluate the application of data. By completing the term project, the student will
demonstrate the ability to organize and maintain information through out the semester. Through
applying credit math and loan pricing principles and using them to make comparisons and draw
conclusions and about loan situations the student will demonstrate the ability to interpret and
communicate data.
2. Demonstrating Basic Skills: Reading Writing Speaking
Listening Arithmetic/Mathematics
By completing weekly reading assignment in the text and by reading other information for the term
project, the student wills demonstration reading ability. The student will demonstrate writing ability by
completing the research project and by completing written assignments and/or answering written test
questions. By correctly using credit math and loan pricing principles in assignments and/or on written
tests, the student will exhibit skills in arithmetic and mathematics. The student will listen to weekly
lectures and class discussions then apply the information they listened to answer written assignment
and/or test questions. The student will exhibit speaking skills through group work and in-class
participation.
3. Demonstrate Thinking Skills: Creative Thinking
Decision Making
Problem Solving
Through completing the research project, the student will practice creative thinking, use decision-making
skills and think logically. By correctly using credit math and loan pricing principles and applying them to
lending situations and answering questions in assignments and/or on written tests, the student will
exhibit the ability to assimilate information, think logically and solve problems. By completing weekly
reading assignments in the text and by reading other information for the term project, the student will
demonstrate reading ability. The student will demonstrate writing ability by completing the research
project and by completing written assignments and/or answering written test questions. By correctly
using credit math and loan pricing principles in assignments and/or on written tests, the student will
exhibit skills in arithmetic and mathematics.
4. Exhibiting Personal Qualities: Individual responsibility
Sociability Self management
Integrity
Each student will be individually responsible for completing assignments and the research project.
Each student will manage his/her time and resources to assure timely completion of assignments and the
term project. Each student will participate in-group assignments with other class members. Each student
will practice integrity by exhibiting honesty in completing assignments, tests and the term project.
5. Managing Resources: Manage Time
Each student will manage time to complete assignments, the research project and written tests within
prescribed time limits.
ATTENDANCE, SCHOLASTIC DISHONESTY AND OTHER POLICIES
See “VARIOUS POLICIES’ section of this syllabus.
EVALUATION
Midterm Exam .........................25%
Final Exam...........................25%
Quizzes/Assignments..........................25%
Research Paper .........................25%
NUMERICAL GRADES RELATED TO LETTER GRADES
A 90 TO 100
B 80 TO 89
C 70 TO 79
D 60 TO 69
F Below 60
Excellent
Good
Fair
Passing
Failing
Statement of Workplace and Foundation Competencies (SCANS Skills)
HCSS is determined to prepare you with the knowledge and skill you need to succeed in today’s
dynamic work environment. Towards this end, specific workplace competencies and foundation skills
have been designed into this course and into the curriculum for each program of study. Please see the
Scans Competencies And Foundation Matrix of this syllabus for information regarding the specific
common workplace competencies designed into this course and into the BNKG curriculum.
Students who require reasonable accommodations for disabilities are encouraged to
report to Room 102 SJAC, or call (713) 719-6164 to make necessary arrangements. Faculty
is only authorized to provide accommodations requested by the Disability Support Services
Office.
VARIOUS POLICIES
Incomplete:
The grade of “I” (incomplete) is conditional. A student receiving an “I” must arrange with
the instructor to complete the course work by the end of the following term (excluding
summer). After the deadline, the “I” becomes an “F”. All “I’s” must be changed to grades
prior to graduation.
Attendance:
A student may be dropped from a course for excessive absences after the student has
accumulated absences in excess of 12.5% of the hours of instruction. In a traditional 16week term, 12.5% of the hours of instruction equates to six hours of instruction or two
absences.
Dropping:
The State of Texas has begun to impose penalties on students who drop courses excessively. For example, if you
repeat the same course more than twice, you have to pay extra tuition. In 2007, the Texas Legislature passed a law
limiting students to no more than six total course withdrawals throughout their academic career in obtaining a
baccalaureate degree.
To help students avoid having to drop/withdraw from any class, HCC has instituted an Early Alert process
by which your instructor will “alert” you and HCCS Student Services of the chance you might fail a class because of
excessive absences and/or poor academic performance. You should visit an HCC counselor or HCC Online Student
Services to learn about what, if any, HCC interventions might be offered to assist you – tutoring, child care,
financial aid, job performance, etc, - to stay in class and improve your academic performance.
You MUST visit a counselor or online student services prior to withdrawing (dropping) the class and this
must be done prior to November 8, 2010, 4:30PM to receive a “W” on your transcript. After that deadline, you will
receive the grade you are making in the class which will more than likely be an “F”.
Weeks
Two – Six
Instructors initiate “Early Alert” process – to let students know they may be in danger of failing
the course and informing them of actions they need to take.
Seven – Ten
Students Services should send Instructors a report on actions taken or not by students.
Week Twelve
Drop Deadline
Week Sixteen
Grade Assignment
Scholastic dishonesty:
Houston Community College System students are responsible for conducting
themselves with honor and integrity in fulfilling course requirements. Scholastic
dishonesty includes, but is not limited to, cheating on a test, plagiarism and collusion.
Cheating on a test includes: copying from another student’s test paper; using during
a test materials not authorized by the person giving the test; collaborating with another
student during a test without authority; knowingly using, buying, selling, stealing,
transporting, or soliciting in whole or part the contents of an unadministered test; bribing
another person to obtain a test that is to be administered. Plagiarism means the
appropriation of another’s work and the unacknowledged incorporation of that work in
one’s own written work offered for credit. Collusion means the unauthorized
collaboration with another person in preparing written work offered for credit. Possible
punishments for academic dishonesty may include a grade of 0 or F on the particular
assignment, failure in the course, and/or recommendation for probation or dismissal
from the College. Students who wish to appeal the penalty should notify the instructional
supervisor within thirty working days of the incident. A standing committee appointed
by the Dean of Instruction will convene to sustain, reduce, or reverse the penalty. The
committee will be composed of two students, two faculty members, and one instructional
administrator. A majority vote will decide the appeal. A recommendation for suspension
or expulsion will be referred to the Dean of Students for disposition under Section 203.
This course outline may be altered at instructor’s discretion.
EVERYTHING WILL BE SUBMITTED AND COMPLETED ON BLACKBOARD.
COURSE OUTLINE: Attendance and Due Dates and Material Covered
10/26 Orientation / Syllabus /Research Assignment Details/ Assign Ch 1-3
10/31 Assignment #1 due via Blackboard Submission
10/31 Research Paper Topic Due for Approval- VIA BLACKBOARD
11/2 Ch 1-3 Quiz, Assign Ch 4-6
11/9 Ch 4-6 Quiz, Working Outline Due via Blackboard
11/16 Midterm Exam Ch. 1-6, Assign Ch 7-9
11/23 NO CLASS- RESEARCH TIME
11/30 Ch 7-9 Quiz, Assign Ch 10-13, Final Outline Due via Blackboard
11/30 Assignment #2 due (Blackboard Submission)
12/6 Ch 10-13 Quiz Research Paper Due via Blackboard
12/14 Final Exam Ch 7-13, End of Semester