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Course/Product Description

Where Are We on Mortgage Compliance? Reg. Z, RESPA, Flood, Fair Lending, and UDAAP

Format: Webinar

Update on 2014 Rules (Reg. Z, RESPA, Flood, Fair Lending, and UDAAP) and looking forward to 2015 implementation.

No area of compliance has undergone such extensive change as consumer mortgage lending. From the financial crisis on, including Dodd-Frank, seldom has a sector of banking seen as many new and enhanced regulatory requirements.

We're presently right in the middle of the action. New rules took effect this past January, including Ability to Repay and Qualified Mortgage rules, appraisal requirements, and servicing rules, to name a few. We've also seen changes in other areas, such as flood insurance. In addition, fair lending and UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) considerations are getting much attention from the regulatory agencies.

But of course we're not done yet. In August of 2015 the new RESPA-TILA (Real Estate Settlement Procedures Act-Truth in Lending Act) disclosure rules take effect.

These rules won't just mandate new disclosures; they also include several additional changes to existing requirements under both Regulations Z (Truth in Lending) and X (Real Estate Settlement Procedures Act).

We'll focus on both these critical areas: additional changes to the "new" mortgage rules from this past January, and also those coming next year.

Covered Topics:

  • Additional changes that the CFPB (Consumer Financial Protection Bureau) made to the ATR and QM rules since they took effect in January
  • Changes in flood insurance due to Biggert-Waters and the later Affordability Act
  • Fallout and effects in the industry regarding these rules
  • Regulatory expectations and what to do to meet them
  • Other areas of risk, including operational and legal
  • Fair lending and UDAAP implications in mortgage
  • Preparing for the new RESPA-TILA disclosures rule
  • A look at the new disclosures: content, when they're provided, and steps to take now
  • Additional changes to follow next August
  • Best practice recommendations
Plus frequent question and answer sessions throughout this presentation.

Who Should Attend
This interactive session will give an in-depth understanding of these rules and is imperative for anyone performing duties in consumer mortgage lending areas of the financial institution. This includes loan officers, supervisors, auditors, closing agents, compliance officers, auditors, counsel, trainers and others working in these types of positions.

The Presenter
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at dozens of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Licenses / Designations / Educational Credits:CEU
All US States: 2.5
All Canadian Provinces: 2.5
About The Provider: Since 1983 Total Training Solutions has produced dozens of videotapes, CD-Roms, DVD's and web-based training modules. In addition to off-the-shelf products, Total Training Solutions also develops custom training products and consults with financial institutions to develop their own training curriculum.

For timely delivery of training topics, webinars or web conferencing is an unbeatable option. We now offer over 100 live programs per year and you can even purchase the recorded or ondemand session if you are unable to attend the live program.

We have worked exclusively with the financial industry since our founding. Because of this, we understand the needs of training departments in financial institutions and are alert to changes which affect the industry.

Webinar Descriptions:

Live Session:
Attend the live session with the opportunity to ask questions to the presenter. You also receive a link to the handouts. All registrations for a live event will be given access to the OnDemand recording, at no additional cost, for seven days following the event. This will allow a flexible alternative when last minute conflicts intrude on scheduled events.

Recorded CD:
CD-Rom includes audio and video of recorded webinar plus hard copy handouts. You will also receive 6 months access to the OnDemand weblink as an added free bonus.

Includes a weblink for unlimited viewing for 6 months after the date of the webinar as well as a link to handouts.

Live + Recorded:
Includes all three options above. Live session, OnDemand Weblink, and CD-Rom plus Hardcopy Handouts.

Live + OnDemand:
Includes two of the options above. Live session and 6 months access to OnDemand Weblink plus link to handouts.
Price: $295.00
More Info: Contact Us For More Information
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Currently Scheduled Dates For This Webcast
Course TitleDatePrice
Mortgage Compliance Update: Reg. Z, RESPA, Flood, Fair Lending, and UDAAPCD/On-Demand$325.00

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