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Course Details

TILA-RESPA Integrated Disclosure Requirements

Webinar: ID# 1026420
Recorded CD
Qty:
About This Course:
This webinar will examine the basic aspects of the TRID rule, the new integrated disclosure forms, recent amendments to the rule, and will include a tour of the forms.

The information in this course will highlight aspects of the rule that place burdens on staff and systems, and common issues created by the rule that pose challenges for mortgage industry participants.

A proposal to address a significant operational issue under the rule, known in the industry as the ‘black hole', will be examined. This information is important for all parties who participate in the residential mortgage loan industry or assist industry participants.

AGENDA

TILA/RESPA Integrated Disclosure (TRID) Rule Basics
  • Scope, Original Rule and Amended Rule
  • Effective Dates of Original Rule and Amendments
  • The Loan Estimate and Closing Disclosure
  • Liability and Cures
  • Current Matters, Including "Black Hole" Proposal
Pre-Application Limits
  • Written Cost Estimate Requirements
  • Upfront Fee Limits
  • Upfront Verification Limits
Revised Definition of "Application"
  • Implications
Loan Estimate Rules
  • Who Provides
  • Timing and Delivery
  • Written List of Providers
  • Limits on Increase in Charges/Ability to Revise Loan Estimate
  • Tour of Loan Estimate Form
Closing Disclosure Rules
  • Who Provides
  • Timing and Delivery
  • Ability to Revise Closing Disclosure
  • Post Consummation Corrections
  • Tour of Closing Disclosure Form
About The Presenter

Richard J. Andreano
  • Partner at Ballard Spahr LLP
  • Practice leader, Mortgage Banking Group, Ballard Spahr LLP
  • Fellow, American College of Consumer Financial Services Lawyers
  • Chambers USA: America's Leading Lawyers for business, banking and finance: financial services regulation: consumer finance (compliance), national ranking, 2014 to 2017
  • Wrote MBA Compliance Essentials Loan Originator Compensation Resource Guide™, published by the Mortgage Bankers Association
  • Co-wrote, MBA Compliance Essentials TILA/RESPA Integrated Disclosure TRID Rule Resource Guide™, published by the Mortgage Bankers Association
  • Editor-in-chief, Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute; author of chapters on the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Home Mortgage Disclosure Act, and the Real Estate Settlement Procedures Act; and co-author of the Equal Credit Opportunity Act and Truth in Lending Act chapters
  • Counsels clients on residential mortgage regulatory matters, including ability to repay, TILA/RESPA integrated disclosure (TRID) rule, CFPB and other regulator supervision and examination, UDAAP and other Dodd-Frank matters
  • Frequent speaker and author on mortgage industry issues
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TILA-RESPA Integrated Disclosure Requirements
Available on CD format
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