ProBank Real Estate Lending Compliance 2022 (C) | ProBank Austin | 14 November 2022 | Online

Loans secured by dwellings and real property are subject to more compliance requirements than any other type of loan product, particularly closed-end consumer loan (i.e., “mortgage” loans). Over the past years, including the changes caused by the Dodd-Frank Act, the nature and size of the regulatory environment has grown substantially. This program is designed to offer the attendee instruction on significant topics affecting these loans.

Over three days, this seminar will address in depth rules that require “fairness” in banking (e.g., ECOA, FCRA, UDAP/UDAAP) and those that require creditors to provide disclosures, make determinations, and provide certain consumer protections for mortgage loans under Regulation Z, RESPA, and Flood. Finally, we will briefly review other Federal laws and regulations that may apply.

This program is a must for those entering the “regulatory compliance world” or those responsible for “pre” closing file preparation or “post” closing file review. Attendees receive one of the most highly regarded manuals in the industry (over 500 pages of content). The manual will likely be referred to on countless occasions.

WHAT IS COVERED?
EMPHASIS ON FAIR LENDING ISSUES

Equal Credit Opportunity Act – Regulation B

• Identification of the Prohibited Bases
• Required Collection of Monitoring Information
• Permissible Questions
• Spousal Signatures
• Appraisal Requirements

Fair Housing Act:
• Coverage and Prohibited Practices
• Specific Regulatory Agency Requirements

2022 Speakers

Anetria Cohen
Vice President, ProBank Austin