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Course Details

Open-Ended Lines Of Credit - Compliance Issues

open-ended-lines-of-credit-compliance-issues
Webinar: ID# 1023631
Recorded CD or On-Demand
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About This Course:

Complying with the open-ended provisions of Regulation Z is a complicated issue. There are many intricate requirements to follow, from disclosures, servicing, and advertising. Plus, there are differing requirements depending on whether the plan is a home equity line of credit (HELOC), credit card plan, or personal or overdraft line.

This webinar will focus on the personal/overdraft lines and HELOC requirements. We will discuss how to ensure all the Reg. Z rules are followed, especially around disclosures. We'll also touch on some of the other rules that impact HELOCs, such as appraisal rules and the coming HMDA requirements.

What You'll Learn:
  • Determining basic coverage of lines of credit under Reg. Z and other consumer protection rules
  • Changes in terms - "significant changes"
  • Treatment of credit balances
  • Disclosing variable rate plans
  • HELOC special provisions, including right of rescission
  • Advertising open-ended credit plans, including marketing to college students
  • Servicing - periodic statements
  • Real estate laws and regs for HELOCs
  • Fair lending implications (there are some!)
  • And much more

Who Should Attend:

Anyone in the institution having responsibilities in offering, underwriting or servicing consumer-purpose open-ended credit plans, including loan officers, processors, clerks, closing agents, and so forth. Also compliance officers and counsel will benefit from the information provided in this webinar.

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Open-Ended Lines Of Credit - Compliance Issues
or via CD or On-Demand
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Course Details
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