Venue
Virtual

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Event Date Tue Apr 27 EDT - Wed Apr 28 EDT (6 months ago)
Location Virtual
Region Americas
Details

The Truth-in-Lending Act, as implementing in Regulation Z, is a primary federal law that imposes numerous requirements on creditors. The basic idea was simple – to explain the cost and terms of credit to consumers, in order to provide clarity to the loan process and to important terms and conditions in the note and any security agreement. Over time, Congress has added requirements to a point where it’s by far the federal lending compliance regulation with the most rules, leading to a complex, overwhelming, and often confusing regulation.

This seminar will dive deep in the Regulation Z, both covering open-end and closed-end transactions, unsecured and secured. We will cover fundamental definitions, such as finance charge and APR, as well as disclosures and other protections.

Here Is What You Will Learn:
• Coverage
• Definitions and key concepts
• Right of rescission
• Closed-end rules
- TIL Statement and Loan Estimate and Closing Disclosure
- HPMLs and High-Cost
- Ability-to-Repay
- Servicing
• Open-end rules
- Personal and HELOCs
- Brief overview of credit cards
- Account-opening disclosures
- Servicing

Who Should Attend?
This program is suitable for all personnel involved in consumer mortgage lending, including loan officers, loan processors, and mortgage brokers. Compliance officers and auditors responsible for ensuring the financial institution is fulfilling its regulatory responsibilities will also find the program valuable.

Speakers

2021 Speaker

PRESENTER:

Anetria Cohen
Vice President, ProBank Austin

Sponsors & Partners

2021 Partners

• Utah Bankers Association
• NC Bankers
• Montana Bankers Association
• Indiana Credit Union League
• IOWA Bankers
• CBA
• WVBA
• IBAT
• PA Bankers
• CBAO
• Tri State League of Financial Institutions
• NYBA
• 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
• MBA
• NHBA
• Idaho Bankers Association
• BCAC
• Indiana Bankers Association
• OBL
• South Carolina Bankers Association
• NC Bankers Association
• New Mexico Bankers Association
• Oklahoma Bankers Association