Overview
The process, disclosures, and best practices.
Mortgage loans are perhaps the most complicated loan product with respect to Federal lending compliance. These loans are potentially subject to the greatest number of rules compared to other loan products, and the timing of those requirements may be specific. Also, the coverage of rules varies. As creditors receive applications and progress through the application process, they have to walk through a confusing maze caused by a patchwork of over a dozen laws and regulations.
The federal lending compliance rules for consumer mortgage loans continue to change. No topic is left untouched – everything from application requirements to servicing and collection activities - has and will continue to face many challenges.
This one-day seminar will cover the key considerations and required disclosures for mortgage loans secured by real estate through the consumer mortgage loan process – from application to servicing. We will bring together the requirements under the various lending-related regulations necessary to assist you with compliance for closed-end, consumer purpose real estate and dwelling-secured loans.
During most seminars, regulations are discussed individually. This seminar discusses the disclosures on a timeline beginning when the customer first presents the loan request all the way through closing and after closing. The material is organized in a sequence similar to the way an institution processes a loan. Attendees leave with detailed materials, which will be a valuable reference tool.
Topics
- Truth-in-Lending Act/Regulation Z
- RESPA/Regulation X
- Fair Credit Reporting Act/FACT Act – Regulation V
- Equal Credit Opportunity Act/Regulation B
- Fair Housing Act
- Flood Disaster Protection Act
- Homeowners Protection Act
- Homeownership Counseling Notification Requirements
- Sale of Insurance
What is Covered
- What is an Application, a Prequalification, and a Preapproval
- Lobby Notices
- Applicable Application Requirements, including Adjustable Rate Disclosures and Government Monitoring Information
- The Timing and Content of Early Disclosures, including the Loan Estimate and Closing Disclosure
- When to Collect Fees and Verifiable Information
- Disclosures During the Application Process and at Closing
- Other Determinations that are Required - HPML; High Cost; Ability to Repay
Who Should Attend
This seminar is designed for the compliance professional who is familiar with the basics of compliance for closed-end real estate secured loans as well as those individuals that work in the loan application, processing, closing, and audit functions.
Registration Fees
Attendees: $445
Each Additional Attendee: $395
Registration Policy: ProBank Education Services permits one participant per paid registration to access the program via a single internet connection at one physical location. Additional registrations are available at a discounted rate and may be registered online, by mail, or phone. Group viewings are not permitted. All unregistered participants will be invoiced. Please note we reserve the right to change speakers or reschedule/cancel seminars when necessary.
When
Where
Questions?
October 6, 2026
- 10:00 AM – 5:00 PM ET
- 9:00 AM – 4:00 PM CT
- 8:00 AM – 3:00 PM MT
- 7:00 AM – 2:00 PM PT
Online
Contact registrareducationservices@us.forvismazars.com
800-523-4778 option 1
CE Information
A certificate of completion is available for each registrant. To obtain your certificate you must participate in the full duration of the program and enter all codewords given at random times. These items are required to receive your certificate. Please note each person must be a registered attendee to be eligible for credit.
CE Credits*
- 6.5 CPE
- 7.25 CRCM
Program Level
Intermediate
Prerequisite
Basic Knowledge of Lending Regulations
Delivery Method
Group Internet Based
Field of Study
Specialized Knowledge
Advanced Preparation
None
*ProBank Education Services seminars and webinars are approved by the National Association of State Boards of Accountancy (NASBA) for Continuing Professional Education (CPE) credit, and certain topics may be eligible for Certified Regulatory Compliance Manager (CRCM) and other ABA designations through the ABA Professional Certifications process.
ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. Certain programs have been approved for certification credits, such as the CRCM certification. This statement is not an endorsement of these programs or its sponsor. Certification holders must report these credits at aba.csod.com.
If you have concerns or would like information regarding program cancellation policies or CPE credit, contact us at registrareducationservices@us.forvismazars.com.
ProBank Education Services is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through the web site: www.nasbaregistry.org.
