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Mortgage Servicing Rules Effective in April 2018

The CFPB has strived to ensure that mortgage servicers treat homeowners and struggling borrowers fairly. Amendments to Regulation Z’s (TILA) periodic statements for mortgage loans for consumers in bankruptcy and Regulation X’s (RESPA) mortgage servicing provisions pertaining to successors in interest further evidence that the CFPB continues to work towards offering protections to homeowners and struggling borrowers. As servicers of mortgage loans, institutions need to ensure compliance with these protections, along with treating all customers fairly.

Join us as we take an in-depth look at the two portions of the mortgage servicing rule that are effective on April 19, 2018.

We Will Cover:

  • Requirements specific to successors in interest
  • Requirements for periodic statements for borrowers in bankruptcy

Date Aired: June 7, 2018

(Training On-Demands are current as of the date aired.)


  • Becky Breland
    • Becky Breland
    • Senior Consultant Becky Breland has 18 years legal experience in the areas of federal consumer protection regulations and Bank Secrecy Act compliance. Becky is a regulatory attorney licensed to practice law in the State of Alabama since 2001. Her current responsibilities include working closely with financial institutions to create custom training programs and materials. Becky also works directly with regulatory agencies to develop content for their custom training programs along with maintaining the training program materials for changes in policies and regulations. In addition to developing classroom training, Becky has developed online training and webinars for Capco. Becky is one of Capco's trainers and has provided classroom training to regulatory agencies, financial institutions and at Capco-hosted events, seminars and workshops on the subjects of deposit, operations and lending compliance.
  • Robert Cardwell
    • Robert Cardwell
    • Bob Cardwell is Managing Principal of the Consumer Finance and Fair Banking practice group for Capco Finance, Risk & Compliance (FRC) Solutions. With over 30 years of experience, he advises financial institutions on a wide variety of regulatory compliance issues and best practices for risk management. His specific regulatory compliance expertise lies in consumer financial services, mortgage banking, TILA/RESPA reform, CRA compliance, payment systems, anti-money laundering and consumer privacy. Since the CFPB’s initial and amended TRID and mortgage servicing rules were issued, Bob has conducted numerous training sessions for financial institutions, trade associations and regulators. A licensed attorney in California and Pennsylvania, Bob holds a Juris Doctor degree from Pepperdine University School of Law and a Bachelor of Science degree in accounting with honors from Lehigh University.

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