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  • play_arrow A Deeper Dive into the New Disclosures - Putting it all Together - Are You Really Ready for the New Disclosures?

    • Getting ready for the Integrated Disclosures which go live October 3, 2015 will require more preparation than normal. This isn’t just a new set of disclosure rules. It is a totally new approach to providing disclosures for mortgage lending. So your preparation and self-evaluation process needs to ratchet up if you are going to be ready. In this webinar session, we will look at the planning and administrative aspects of preparing for the new Integrated Disclosures.
  • play_arrow A Deeper Dive into the New Disclosures - Revising the Loan Estimate and Closing Disclosure

    • Once you have rendered the new integrated disclosures Loan Estimate, there will come occasions when revisions will need to be made to those disclosures. In most instances such revisions or changes will be incorporated into a revised Loan Estimate disclosure document, however because of the new timing standards for delivery of Loan Closing Disclosures, at times revisions or changes will need to be made on a revised Loan Closing Disclosure instead of on a revised Loan Estimate. Learn all of the twists, turns, and pitfalls related to when you can and when you can’t make changes to your new loan disclosures and how to make those changes in a timely and compliant manner.
  • play_arrow A Deeper Dive into the New Disclosures - The Closing Disclosure

    • Starting October 3, 2015, you no longer will provide a RESPA Form HUD-1 or a final Truth in Lending disclosure at the closing of a mortgage loan. Instead, information from those two disclosures has been merged or “integrated” into a single new document called a Closing Disclosure. Learn the details of how you will prepare that Closing Disclosure and why there will be many new opportunities to get the disclosure wrong if you aren’t prepared.
  • play_arrow A Deeper Dive into the New Disclosures - The Loan Estimate

    • Starting October 3, 2015, you no longer will provide a RESPA Good Faith Estimate or an Early Truth in Lending traditional Fed Box disclosure within three business days of receipt of an application for a mortgage loan. Instead, information from those two disclosures have been merged or “integrated” together into a single three page long Loan Estimate disclosure. Learn the details of how you will prepare that Loan Estimate disclosure and why there will be many new and unique “opportunities” to get the disclosure wrong if you aren’t prepared.
  • play_arrow A Deeper Dive into the New Disclosures - Tolerances, Violations, Retention and the Kitchen Sink

    • Effective October 3, 2015, the rules on mortgage loan disclosures will be radically revised. While other webinars in this series detail the new disclosures themselves, this one will explain the new rules’ tolerances: when your disclosure is “still” considered accurate. We’ll also go into the record retention requirements, how violations are treated, and other details, so you will have the complete picture of the new rules.
  • play_arrow A Primer on SAFE Act Compliance

    • With the introduction of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (aka the “SAFE Act”) the way lenders manage their mortgage department has undergone a major change. In this webinar we will discuss the fundamentals of the SAFE Act and the impact it has on lending.
  • play_arrow A Walk Through Appendix Q for Ability to Repay & Qualified Mortgages

    • Under Regulation Z ability-to-repay rules, creditors shall not make a loan that is a covered transaction unless the creditor makes a reasonable and good faith determination at or before consummation that the consumer will have a reasonable ability to repay the loan according to its terms. Easy enough, right? In this webinar we will try to take a look at the tools and concepts that can help frame this unwieldy topic.
  • play_arrow Adverse Actions and Demand Deposit Accounts in the Wake of Dodd-Frank

    • Since the Dodd-Frank Act came into effect, we have seen many changes on the lending side of banking regulations, with more to come. But the Act has had its effects on the deposit side as well. This presentation focuses on the institution’s regulatory responsibility in handling demand deposit account opening requests and denials. How do the Fair Credit Reporting Act’s adverse action notice requirements apply to denials for demand deposit accounts? We will discuss score disclosures and examine how Risk Based Pricing Notices and Alternate Credit Score Disclosures apply when a credit feature is offered on the demand deposit account. What tools are available to assist financial institutions in complying with Dodd-Frank and the FCRA for demand deposit accounts and deposit-side operations? We will also examine what alternatives institutions have to denying that potential account holder and “second chance” accounts. A “second chance” account can be tied to consumer financial education, have limited privileges, and can be converted to a traditional checking account after the consumer successfully manages the account for certain periods of time.
  • play_arrow Advertising Loan Products

    • In this fourth installment of our series on the new final changes to Regulation Z, we explore some of the more detailed requirements of the new and complex advertising rules for closed and open-end products, dwelling and non-dwelling secured.
  • play_arrow Appraisals

    • Accurate valuation of collateral has always been an important part of any successful lending endeavor. And given the extreme rollercoaster ride that property values have been on the last few years, it should come as no surprise that the accuracy and integrity of your appraisal and evaluation process has become a focal point on regulatory concern. Recently, the agencies have been busy strengthening and modernizing their guidance on appraisals and evaluations. Regulation Z was updated to enhance the value of appraisals used in principal dwelling secured transactions and the Interagency Appraisal and Evaluation Guidelines have received a complete and total makeover to help provide better guidance. But now there is even more with regard to appraisals when it comes to higher-priced mortgages and mandatory delivery of appraisals to borrowers under Regulation B.
  • play_arrow Banking Payday Lenders and Short-Term, Small-Dollar Lenders

    • An estimated 120 millions payday loans are issued annually in the US worth a total of $42 billion, yes billion. There are almost twenty major payday lending companies that operate approximately half of the nation’s total of 22,000 payday lending stores. You may want to investigate and evaluate this market since major banks provide over $ 1.5 billion in credit available to fund major payday lending companies. In addition, many banks have payday lender deposit accounts. This session will give you an inside look at the payday lender operations and familiarize you with the “ins and outs” of this business. In addition, we will analyze the recent regulatory scrutiny that payday lenders have come under. Quite often, when your customers turn to payday lenders as a solution for their credit needs, they are charged an interest rate higher than yours. Are you able to help your customer with those short –term small-dollar loans? In addition, do you want to bank a payday lender?
  • play_arrow Basics of Escrow in a Dodd-Frank World

    • Times they are a changing! And how you conduct your mortgage origination and servicing have changed too. Discover the rules that govern escrow as we explore the basics of escrow under RESPA, Regulation Z, and the flood insurance rules under the Biggert-Waters requirements and the Homeowners Flood Insurance Affordability Act of 2014. Learn what you need to know to determine if escrow is right for your institution. In some cases, it may not be right, but it may be required under these requirements.
  • play_arrow Basics of Regulation B

    • We all hear about fair lending and that lenders shouldn't discriminate, but what do we remember of the actual regulation? Regulation B covers so many requirements that often we forget the basics. This session takes us back to those basics so that you can get a better foundation for what is fair lending. We will cover the protected classes, the types of discrimination, the signature rules, and the requirements for collecting government monitoring information under Regulation B.
  • play_arrow Best Practices for Flood Compliance

    • It is not easy understanding all of the rules relating to Flood Insurance. And even if you understand the basics, there is always a risk that one of the many trouble areas will jump up and get you at exam time. So becoming aware of the areas where others tend to fall into the swamp and implementing some common sense internal processing standards will go a long way toward keeping your flood insurance ship from being torpedoed at exam time.
  • play_arrow Compliance Aspects of Construction Lending

    • Construction lending has always been the proverbial “forgotten orphan” of the regulatory compliance world. Many of the laws and regulations that cover lending provide little or no specific guidance to help you deal with the nuances and oddities of this very complex loan product. Often forms and disclosures are designed with other more cookie cutter loan products in mind and we are then told to somehow “squeeze” construction loans onto those disclosure formats which were never designed with construction lending in mind. So lenders face constant uncertainty and confusion when dealing with the compliance requirements for construction loans. This session is intended to clear up some of the fog index and to help you handle construction loans without constantly stepping on regulatory landmines in the process.
  • play_arrow Compliance Aspects of Regulation A - A Sweep of the Suite of FTC Regulations

    • This webinar provides a regulatory refresher of FTC supervised areas of communication between Financial Institutions and consumers, from the finer points of CAN-SPAM, Junk Fax and Do-Not-Call, to Social Media advertising and elements of UDAP/UDAAP, as well as the Children's Online Privacy Protection Act (COPPA) and debt collection. As the common underlying theme among these regulations is consumer protection, there has been, to some extent, concurrent rulemaking and enforcement among the FTC, and other federal agencies. This webinar will assist attendees in recognizing compliance, legal, and reputation risks that often accompany an institution's efforts to reach out to consumers, and in avoiding or mitigating those risks.
  • play_arrow Compliance for Commercial Lending: Navigating the Minefield

    • How will HMDA reporting in 2018 affect your commercial lending? What about managing ongoing compliance with Regulation B (ECOA); Regulation Z (TILA), Regulation BB (CRA), Flood Insurance provisions, and BSA/ AML regulations? Although HMDA is the focus right now, staying compliant with all applicable regulations remains a challenge.
  • play_arrow Disparate Impact

    • There are several kinds of discrimination: overt or blatant discrimination, where a lender openly discriminates against a protected individual; disparate treatment, where the lender treats an individual in a protected class less favorably than someone who is not in the protected class; and harassment, where an individual is harassed because of his or her protected status. All of these require an intent to discriminate. Disparate impact “discrimination” is different. The entity doing it need not have had any discriminatory intent at all. The important fact here is that the entity’s facially neutral practice or policy impacted one group worse than another. The only defense is that it was a business necessity, and there was no other, non-discriminatory, way to achieve the necessary business result. That’s a very high standard in the real world.
  • play_arrow Dispute Resolution and Billing Errors Under Regulation Z

    • Does the Regulation Z dispute resolution and billing errors rules leave you shaking your head? Or could it be time for a refresher course? Knowing the rules and having procedures designed to provide the institution with a blueprint for a thorough investigation of the dispute, will allow the financial institution to respond confidently to these disputes, provide credit when appropriate and properly respond to the consumer regarding the investigation. Join us for a discussion on handling disputes under Regulation Z.
  • play_arrow Escrow Beyond the Basics: Practical Issues, Mistakes, and Myths

    • You may or may not understand the basics of escrow, but you will understand these issues without the basics as we will discuss practical issues, mistakes and other myths about escrow and the process around escrow. Now more than ever, in these times where there are so many issues and servicing rules surfacing, understanding how escrow works once it is in place is critical for compliance so that mistakes aren’t made.
  • play_arrow Fair Lending

    • Fair lending continues to be a hot topic for regulators and institutions alike, but what’s new in 2018 and beyond? Join us as we discuss such topics as: fair servicing and fair treatment throughout the loan lifecycle, the intersection of fair lending and UDAAP, the impact of the new HMDA data, changes at the Bureau of Consumer Financial Protection and recent cases.
  • play_arrow Flood Insurance: Bail out, Blow-up, or Extend

    • Flood continues to be an issue for industry participants and a high violation area noted by examiners. Not only are we faced with the continued issues of flood, but we are now concerned about the National Flood Insurance Program’s (NFIP) continuity. With the recent but temporary NFIP extension legislators have four months to either bail out, blow up or extend again. Would the Flood Insurance Market Parity and Modernization Act of 2017 have eliminated the need for the extension? Would the inclusion of private flood insurance assist with the solvency?
  • play_arrow Force-Placed Insurance Issues - Navigating RESPA's Hazard and the Biggert-Waters Flood Rules

    • Lender force-placement of hazard insurance is a necessary remedial risk-mitigating action, taken in cases where the borrower fails to maintain adequate hazard insurance on the property securing the loan, so that the collateral remains safely and soundly protected against unreimbursed loss. Until recently, the lender’s ability to force-place hazard insurance was defined by contract and some state regulation. Although there has long been federal regulation governing the force-placement of flood insurance, there has been no federal statute or regulation governing force-placement of hazard insurance. Now there is.
  • play_arrow Getting Ready for HMDA Reporting – 2019

    • HMDA reporting is a perennial source of errors, questions, civil money penalties and headaches. In this webinar, we will lay out, as clearly as the regulation, commentary and guidance permit, which applications institutions must record on the Loan Application Register (LAR) and the information required for each. Join us in this discussion as you review and prepare your 2018 HMDA LAR for filing before the 2019 deadline.
  • play_arrow HMDA – Stump The Expert

    • So, you have submitted your HMDA LAR, but you still have questions. Our Stump The Expert session is your opportunity to have those questions answered live, or maybe, stump our HMDA expert! Join us and bring your unique, strange and out of the box HMDA scenarios and questions, and finally get the answers you need. Of course, if you stump our expert and we can’t answer your questions during the webinar, we will research them and get the answers to you.
  • play_arrow HOEPA's Progeny: High-Cost Mortgages for 2014 and Beyond

    • So you just can’t wait to dig into the new high-priced mortgage loan rules which will take effect January 2014, and the changes that will be made to Section 32 loans, now-to-be called “high-cost mortgages” as a result of Dodd-Frank! You may think it ain't broken, but there are final amendments that have been made and they have sealed the regulation's fate! No longer a proposal, get up to speed on the newest changes to the scope, rates, points and fees test, as well as limitations and restrictions, and counseling requirements on these high-cost mortgage loans in time for a January 2014 effective date. Join our panel of experts as we highlight these changes in depth.
  • play_arrow HPML Amendments and the Net Effects on Lenders

    • Well, it's summer time and that means changes to the regulatory scheme. (So, too, Spring, Fall, and Winter). But for now, we focus on the upcoming changes to High-Priced Mortgage Loans. Effective June 1, 2013, there will be some changes, some major and some minor. We will discuss both and let you know the net effects. We will discuss escrow changes, the small lender rule, penalties and more. Join us so that you will know what you are in for June 1, 2013.
  • play_arrow Impacts of Increased Coverage Limits within Regulation Z and M

    • It’s been a long time coming, and a long time needed! The coverage limits for both Regulation Z and M are increased to $50,000 instead of $25,000. What does this mean for your products? Which products are impacted? We will discuss coverage of both regulation, and what products are traditionally impacted. We will also discuss compliance concerns as they apply to closed- and open-end credit, and leases that fall under Regulation M.
  • play_arrow John Warner National Defense Authorization Act Rules on Protecting Service Members and their Dependents

    • Our government is on a continuing crusade to eliminate “predatory lending” – even if it can’t seem to figure out precisely how to define it. The John Warner rules attempt to keep creditors from “preying” on America’s military members and their dependents. As institutions struggle to make small dollar loans, find out how these rules may impact your institution.
  • play_arrow KBYO Amendments: How You Can Ensure Compliance

    • Effective July 7, 2017 the Consumer Financial Protection Agency (CFPB) issued final amendments to “Know Before You Owe” (KBYO) which clarified certain aspects of the Loan Estimate (LE) and the Closing Disclosure (CD) and offered clarity to the industry. We invite you to a discussion of those upcoming changes.
  • play_arrow 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.
  • play_arrow New Mortgage Servicing Rules Under RESPA - Early Intervention, Continuous Contact and Loss Mitigation

    • Come January 2014, institutions that service mortgage loans need to ensure that they are prepared to comply with brand new mortgage servicing rules under RESPA for when a borrower becomes delinquent with their mortgage loan. The new rules respond to many of the challenges facing the $10 trillion mortgage loan market, and will bring about a myriad of new challenges for servicers with numerous strict requirements to comply with. The new rules include a level of detailed requirements for performance that are rarely seen in financial institution legislative statutes.
  • play_arrow New Servicing Rules Under Regulation Z - Periodic Statements and Adjustable Rate Mortgage Notices

    • The CFPB issued new servicing rules on January 17, 2013. These new rules are found in Regulation X and Regulation Z. Join us as we discuss two of the new servicing requirements contained in Regulation Z – the periodic statements and adjustable rate mortgage (ARM) notices. These rules are effective on January 10, 2014 so the time to start making decisions and implementing these new changes starts now!
  • play_arrow New Servicing Rules Under RESPA - Conforming Payments, Crediting Payment, Payoff, & Escrow

    • Join us as we discuss the new and not so new servicing provisions with respect to payments. We will talk about existing rules for mortgages and open-end credit with respect to payment processing. We will also look at the 2013 TILA Servicing Requirements, both substantive and non-substantive for mortgage payments. Finally, we will discuss the 2013 RESPA requirements with respect to escrow balance and payoff statements.
  • play_arrow Open End Credit and Credit Cards - What's the difference?

    • This webinar will look at the common elements and the differences between a credit card product and an unsecured open-end credit product. While the differences in the product structures are indistinguishable, in use and servicing the differences are significant. This webinar will detail what makes the products different, the differences in using each product, and the differences in servicing each product.
  • play_arrow Private Flood Insurance: What You Need to Know

    • Seven years ago, the Biggert-Waters Flood Insurance Reform Act amended Federal flood insurance legislation to require the FDIC, the OCC, the FRB, the NCUA, and the FCA issue rules directing insured depository institutions to accept private flood insurance. The day has come that we have a final rule for loans that are in special flood hazard areas. What do you need to know to be in compliance with the private flood insurance provisions? Join us as we cover the amendments that are effective July 1, 2019.
  • play_arrow 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.
  • play_arrow Regulation W - Relations With Affiliates

    • Sections 23A & B are intended to protect depository institutions from suffering losses in transactions with their own affiliates. GLBA’s repeal of Glass Steagall Act in 1999 has been scrutinized and blamed for its damaging effects on the financial industry and economy. As a result, the voluminous Dodd-Frank includes several sections and the Volcker Rule, to protect banks, the FDIC fund, and ultimately your customers. Business as usual may find that your institution could be involved in activities that are now restricted or not allowed by the new sections and Volcker Rules.
  • play_arrow RESPA Errors and Inquiries

    • In 2014, the compliance world is going to become even more challenging. January 10, 2014 is the day the Dodd-Frank amendments to RESPA’s servicing rules come into effect. This presentation focuses on a servicer’s regulatory responsibility in handling borrower error notices and information requests. RESPA Sections 35 and 36 take what traditionally has been known as the “Qualified Written Request” and separate and expand the procedures for dealing with the borrower in these matters. It’s time to start making the transition to the new ways of handling borrower communications regarding mortgage loans.
  • play_arrow Restitution, Payment Schedules, and the Latest APR Win Software

    • This session will take you step-by-step through the Office of the Comptroller of the Currency’s Windows-based version of the Annual Percentage Rate program (APRWIN v6.2 - Released May 2008). This tool for verifying APRs and reimbursement adjustments includes relevant finance charge and APR tolerances for verifying the accuracy of APRs and finance charges on loans, including loans secured by real estate or a dwelling.
  • play_arrow Section 32 - A New HOEPA Test for a New Era of Lending

    • So you just figured out the high-priced mortgage loan rules of 2009, and now the Dodd-Frank Act is changing Section 32. You may think it ain’t broken, but there are arguments to be made, and the proposed regulation has sealed the regulation’s fate! While the new test is still proposed, you can look for something resembling the proposal to be finalized in time for a January 2014 effective date. Join our panel of experts as we highlight these changes in depth.
  • play_arrow Servicemember's Civil Relief Act ("SCRA") 101 - What You Need to Know - Updated

    • In this session, we will explain the six percent rule, and all of the other basic requirements of the Servicemember's Civil Relief Act ("SCRA") that you should know but didn't. We will also briefly discuss the extension of the Housing and Economic Recovery Act ("HERA") that went into effect January 1, 2011, and its effect on the SCRA. To complete the session, we will discuss HUD's notice to service members and service members' dependents for delinquent mortgage payments already in effect. To keep the session to one hour, we will not discuss the impact of the six percent rule under other regulations such as Regulation Z.
  • play_arrow Servicing Student Loans in a Dodd-Frank World

    • Student loans comprise the second largest debt obligation in the nation, second only to the consumer real estate mortgage market, so it comes as no surprise that student loan servicing is subject to supervision by the Consumer Financial Protection Bureau (CFPB). With an eye toward this new Dodd-Frank /Consumer Protection era, we will explore the new rules and share expectations for non-bank student loans servicers, both large and small, with respect to servicing both federal and private student loans. Find out what is currently happening and a little about what the future of regulation holds for this industry.
  • play_arrow Sexual Harassment in Lending and Housing

    • Join us as we discuss the application and the potential impact of issues surrounding sexual harassment in lending and housing.
  • play_arrow The Ins & Outs of Regulation O

    • Regulation O, Insider Activities, can have enormous impacts on your organization in the way your customers and communities perceive you. Even the slightest hint of improprieties could grow into results with devastating effects that can hinder your institution’s ability to meet its obligations, achieve your objectives, and cost you lots of money. In this session, we’ll clarify many aspects of insider activities that you must know.
  • play_arrow Understanding the New Military Lending/John Warner Rules

    • Recent changes in the regulations implementing the Military Lending Act (MLA) have forced creditors to re-evaluate their compliance program to ensure they are prepared for the new requirements. This webinar will address the Department of Defense’s amendments to the Military Lending Act of 2006 (MLA) and the Service members Civil Relief Act (SCRA) requirements. In this session we will cover the rule’s scope, definitions, the Military Percentage Rate cap, required disclosures for service members and their dependents, credit card requirements, penalties and best practices for complying with the final rule. By the time the webinar has concluded you should be able to identify those transactions and borrowers who are covered by the rule, have a clear understanding of the fees and charges that must be included in the Military Annual Percentage Rate (MAPR) calculations and be able to determine how this rule will affect your product offering.
  • play_arrow Updated Mortgage Loan Originator Compensation Rules

    • In this ever-changing world of regulatory compliance, where each day meets with new compliance challenges, even the way you pay people is the subject of regulation. Financial institutions are now limited in the manner in which they may compensate mortgage loan originators. In this webinar, we will provide a summary of the most recent rules relating to mortgage loan originator compensation and provide guidance on how to properly compensate mortgage loan originators. This webinar will also help institutions identify potential problem areas and provide an overview of the procedures you must change in order to be compliant.
  • play_arrow Updated Qualified Mortgage - A Quick Look at the "New Normal" for Mortgage Lending

    • Ever since the Dodd Frank Act mandated the creation of a new special category of mortgage loans called “qualified mortgages” (AKA “QM”) the industry has eagerly anticipated the coming of a clear and usable definition of that important new term. Loans that meet that definition will receive everything from more favorable treatment in capital adequacy calculations, to a free pass when being bundled for sale into the secondary market, to some form of legal shelter as having been properly underwritten according to government sanctioned standards. So the implementing regulations defining this important new loan term have been eagerly awaited by everyone with an interest in mortgage lending from lenders, to consumer advocates, to realtors and builders who are afraid that a tough new standard for QM may put the skids on real estate sales and new home construction. So in this first of a series of webinars dealing with mortgage loan-related issues, we will take a close look at the QM rules themselves, and at what these rules will probably mean for mortgage lending in the future.
  • play_arrow Updates to the Mortgage Servicing Rules

    • Don't have time to read the new rules but need to know what they include? The CFPB's Final Rules include changes to existing provisions and new provisions in nine key areas of mortgage servicing. This session is designed to describe the specific requirements, discuss how the changes may affect your institution, and review common questions and industry best practices.
  • play_arrow URLA...Final Frontier?

    • The new URLA will be the law of the land and mandatory February 1, 2020, but can you start using it now? Are you ready? Have you trained your staff? Have you updated your procedures? Have you tested your system? The changes may cause you some anxiety, but we will walk you through the form and give you tricks and tips to successfully negotiate the new form.
  • play_arrow What's New with ECOA and Regulation B?

    • What’s new with ECOA and Regulation B? Join us as we cover the latest developments and trends in both regulatory compliance and discrimination.