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Event Date Mon Apr 5 EDT (over 1 year ago)
Location Virtual
Region Americas

The federal lending compliance rules for consumer mortgage loans continue to change. No topic is left untouched – everything from application requirements to servicing and collection activities – has and will continue to face many challenges.

This one-day seminar will cover the key considerations and required disclosures for mortgage loans secured by real estate through the mortgage loan process – from Application to Servicing. We will bring together the requirements under the various lending-related regulations necessary to ensure compliance for closed-end, consumer purpose real estate and dwelling-secured loans.

During most seminars, regulations are reviewed individually. This seminar discusses the disclosures on a timeline beginning when the customer first presents the loan request all the way through closing and after closing. The material is organized in a sequence similar to the way an institution processes a loan. Attendees leave with detailed materials, which will be a valuable reference tool.

• Truth-in-Lending Act/Regulation Z
• RESPA/Regulation X
• Fair Credit Reporting Act/FACT Act – Regulation V
• Equal Credit Opportunity Act/Regulation B
• Fair Housing Act
• Flood Disaster Protection Act
• Homeowners Protection Act
• Homeownership Counseling Notification Requirements
• Sale of Insurance

What Is Covered?
• What is an Application, a Prequalification, and a Preapproval
• Lobby Notices
• Applicable Application Requirements, including Adjustable Rate Disclosures and Government Monitoring Information
• The Timing and Content of Early Disclosures, including the Loan Estimate and Closing Disclosure
• When to Collect Fees and Verifiable Information
• Disclosures During the Application Process and at Closing
• Other Determination that are Required - HPML; High Cost; Ability to Repay
• Basic Servicing Requirements

Who Should Attend?
This seminar is designed for the compliance professional who is familiar with the basics of compliance for closed-end real estate secured loans as well as those individuals that work in the loan application, processing, closing, and audit functions.


2021 Speaker


Leah Hamilton
Vice President & Senior Consultant, vCard

Sponsors & Partners

2021 Partners

• Utah Bankers Association
• NC Bankers
• Montana Bankers Association
• Indiana Credit Union League
• IOWA Bankers
• PA Bankers
• Tri State League of Financial Institutions
• Maryland Bankers Association
• Louisiana Bankers Association
• Independent Bankers of Colorado
• Oregon Bankers Association
• Kentucky Bankers Association
• Washington Bankers Association
• Virginia Bankers Association
• Tennessee Bankers Association
• Idaho Bankers Association
• Indiana Bankers Association
• South Carolina Bankers Association
• NC Bankers Association
• New Mexico Bankers Association
• Oklahoma Bankers Association