Course Details

Review Of TILA-RESPA Integrated Disclosure Rule, UDAAP, And Important Dodd-Frank Provisions

Webinar: ID# 1023234
Recorded CD
About This Course:
The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) is one of the most significant consumer financial protection laws in the history of the country.

One of the main elements of Dodd-Frank is the creation of the Consumer Financial Protection Bureau (CFPB), along with the consolidation of most federal consumer financial protection laws under the authority of the CFPB and the creation of supervisory authority over nonbank mortgage lenders.

This webinar will address why companies offering consumer financial products or services should pay attention to the various examination manuals issued by the CFPB. The material also will address the broad grant of authority under Dodd-Frank to the CFPB to address unfair, deceptive and abusive acts and practice, including the limited guidance that exists and lessons learned from certain CFPB enforcement actions.

We will provide an update on the CFPB ability to repay rule for mortgage loans, and qualified mortgages that have a more favorable status under the rule.

Finally, the class will address the RESPA/TILA Integrated Disclosure (TRID) rule that combines the application and closing disclosures under the statutes that became effective in October 2015, and a recent proposal to amend the TRID rule.


Unfair, Deceptive and Abusive Acts and Practices
  • CFPB Rule
  • Unfair
  • Deceptive
  • Abusive
  • CFPB Enforcement Actions
  • Lessons Learned
  • Effective Compliance Programs and Protection
Status of the CFPB Ability to Repay/Qualified Mortgage Rule and Related Rules
  • CFPB Rule
  • Points and Fees Cure
  • CFPB Request for Comments on Debt-To-Income Cure
  • FHA Qualified Mortgage
  • VA Qualified Mortgage
RESPA/TILA Integrated Disclosure Rule
  • Scope
  • Loan Estimate Basics and Considerations
  • Closing Disclosure Basics and Considerations
  • Proposal to Amend
About The Presenter

Richard J. Andreano
  • Partner at Ballard Spahr LLP
  • Practice leader, Mortgage Banking Group, Ballard Spahr LLP
  • Fellow, American College of Consumer Financial Services Lawyers
  • Chambers USA: America's Leading Lawyers for Business, banking and finance: financial services regulation: consumer finance (compliance), national ranking, 2014 to 2016
  • Wrote MBA Compliance Essentials Loan Originator Compensation Resource Guideā„¢, published by the Mortgage Bankers Association
  • Co-wrote, MBA Compliance Essentials TILA/RESPA Integrated Disclosure TRID Rule Resource Guide, published by the Mortgage Bankers Association
  • Editor-in-chief, Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute; author of chapters on the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Home Mortgage Disclosure Act, and the Real Estate Settlement Procedures Act; and co-author of the Equal Credit Opportunity Act and Truth in Lending Act chapters
  • Counsel clients on residential mortgage regulatory matters, including ability to repay, TILA/RESPA integrated disclosure (TRID) rule, CFPB supervision and examination, UDAAP and other Dodd-Frank matters
  • Frequent speaker and author on mortgage industry issues
Review Of TILA-RESPA Integrated Disclosure Rule, UDAAP, And Important Dodd-Frank Provisions
Available on CD format
Course Details
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