Course Details

Review of TILA-RESPA Integrated Disclosure Rule, UDAAP, and Important Dodd-Frank Provisions

Webinar: ID# 1015443
Recorded CD
About This Course:
Get up-to-date on recent developments of the consumer protection provisions under the Dodd-Frank Act. 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 live webinar will address why companies offering consumer financial products or services should pay attention to the various examination manuals issued by the CFPB. The live webinar 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.

The live webinar 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 live webinar will address the RESPA/TILA integrated disclosure rule that combines the application and closing disclosures under the statutes effective August 2015.


CFPB Supervision and Examination Manual
  • General Approach
  • Themes
  • Use as a Resource
Unfair, Deceptive and Abusive Acts and Practices
  • CFPB Rule
  • Unfair
  • Deceptive
  • Abusive
  • Legal Standards and Regulatory Guidance
  • 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
  • CFPB Proposed Points and Fees Cure
  • CFPB Request for Comments on Debt-To-Income Cure
  • FHA Qualified Mortgage
  • VA Qualified Mortgage
RESPA/TILA Integrated Disclosure Rule
  • Time Frame
  • Scope
  • Loan Estimate Basics and Considerations
  • Closing Disclosure Basics and Considerations
About The Presenters

Richard J. Andreano
  • Practice leader, Mortgage Banking Group, Ballard Spahr LLP
  • Counsel clients on residential mortgage regulatory matters, including ability to repay, RESPA/TILA integrated disclosure rule, CFPB supervision and examination, UDAAP and other Dodd-Frank matters
  • 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
  • Wrote, MBA Compliance Essentials Loan Originator Compensation Resource Guide™ and MBA Compliance Essentials Loan Originator Compensation Resource Guide II™, published by the Mortgage Bankers Association
  • Co-wrote, MBA Compliance Essentials RESPA/TILA Integrated Disclosure Rule, to be published by the Mortgage Bankers Association
  • Editor-in-chief, Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute; wrote 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-wrote the Equal Credit Opportunity Act and Truth in Lending Act chapters
  • Frequent speaker and writer on mortgage industry issues
Marc D. Patterson
  • Business and finance associate at Ballard Spahr LLP
  • Member of the firm’s Mortgage Banking and Consumer Financial Services Groups
  • Practice focuses on helping national and state banks, credit unions, mortgage bankers, and services comply with federal and state laws and regulations
  • Focuses on retail financial services and regulatory compliances, including TILA, RESPA, UDAAP, FCRA, FDCPA, and the National Flood Insurance Act and Flood Disaster Protection Act
  • Regularly assists clients with state law matters, including loan origination, documentation, disclosures, permissible fees, licensing, and foreclosure-related issues
  • Co-wrote, “Federal Agencies Propose New Federal Flood Insurance Regulations,” Ballard Spahr alert, October 10, 2013
  • LL.M. degree in taxation, New York University School of Law; J.D. degree, cum laude, American University, Washington College of Law; B.A. degree, cum laude, The College of Wooster
Review of TILA-RESPA Integrated Disclosure Rule, UDAAP, and Important Dodd-Frank Provisions
Available on CD format
Course Details
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