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Event Date Mon Apr 12 EDT (over 1 year ago)
Location Virtual
Region Americas

Originating a mortgage loan is perhaps one of the most difficult processes among all lending products from a compliance standpoint, particularly with all of the changes due to the 2008 financial crisis and the resulting Dodd-Frank Act. Lenders must comply with a number of provisions under different regulations, which can be confusing and overwhelming.

This remote session will provide a high-level overview of federal lending compliance requirements, presented from the time of application to closing, and will differentiate between those rules that require us to provide disclosures and those that require certain analysis. The seminar will provide a refresher for those who are familiar to lending compliance, and an excellent introduction for those new to the lending area.

Here Is What You Will Learn:

This seminar will include the origination requirements for closed-end mortgage loans under ECOA/Regulation B, FCRA, TILA/Regulation Z, RESPA/Regulation X, Privacy, Flood Insurance, PMI, and Sales of Insurance. Among other rules, this webinar, will include the following topics:
• Applications:
- Definition of Application under ECOA/TILA; and
- Government Monitoring Information under ECOA/HMDA.
• At Application Requirements: ARM Disclosures; Privacy Notice; and Insurance Notice.
• Permissible Purpose/Credit Report.
• Disclosures Required Three Business Days After Application, Including the Loan Estimate.
• Determinations: Ability to Repay; Higher-Priced Mortgage Loan; and High-Cost Mortgage; Flood.
• Disclosures/Notification Required Before Closing, Including Notification, Appraisal and Flood.
• Closing Disclosure.
• Other Obligations At/After Closing: Right of Rescission; PMI Notice; and Escrow Account Statement.

Who Should Attend?
This seminar will be of value to anyone involved in the origination of mortgage loans, including compliance officers, audit personnel, those involved in operations, and lending officers.


2021 Speaker


Anetria Cohen
Vice President, ProBank Austin

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