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Redesigned Uniform Residential Loan Application - What You Need to Know

Late in 3rd quarter 2016, the Federal Housing Finance Agency, the conservator for Fannie Mae and Freddie Mac, released a new, redesigned Uniform Residential Loan Applicatio. Changes to this form were long overdue as the form has not undergone major revisions in over 20 years. Join us to learn about the changes to the redesigned URLA and how the changes wil impact your processes.

Covered Topics:

  • Effective date of the redesigned forms
  • Change in processes for multiple borrowers
  • Overview of the new data collected in the form
  • Timeline for reporting requirements
  • Compliance considerations under HMDA and ECOA
  • Indusry concerns with the redesigned URLA

Target Audience:

Loan operations, compliance, audit, and consumer lenders who need awareness of the changes to the URLA


  • 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.

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