Upon reviewing modules 4.1 and 4.2 I noticed an inconsistency. In the section describing HOEPA you refer to the criteria for a loan to be covered by HOEPA and one of them say "8.5% for junior lien transactions." I didn’t recognize that term because I didn’t see it anywhere else in the materials. So I looked it up to find out that it's just a 2nd mortgage. I went to 4.2 to review the Home Equity Loan section to see if it states that it's also called a junior lien transaction and it was not mentioned. I feel like I'm finding a lot of inconsistencies in the study material. This leads to A LOT of confusion and wasted time. Honestly it feels like a poorly designed scavenger hunt. Again I realize that this is for self-learning but having inconsistencies and not explaining key terms fulling is not conducive to effective learning.