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2 Day Truth in Lending, Appraisal, RESPA, and MLA/SCRA Seminar OnDemand with Live Streaming

This two day streaming program will provide registrants with an in depth discussion on Truth in Lending, servicemember compliance issues, appraisal and valuation process, RESPA requirements from an origination as well as servicing standpoint, and more!

Live Stream
February 3, 2021
February 4, 2021
Presented by Carl Pry
31h total length
14 CAMS Credits
$1,889.00 or 8 Tokens

Includes: Extend your OnDemand playback access from 30 days to 12 months

  • Auditing
  • Compliance
  • Lending
  • Risk Management/Legal
  • Bank Legal Counsel
  • Community Reinvestment Act Officer
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Senior Management
  • Small Business Lender
  • Trainer

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Series Details

Regulation Z - Truth in Lending Seminar OnDemand with Live Streaming

This full-day streaming session will provide an in-depth look at all things Reg. Z. We'll review closed- and open-end credit, the intricate mortgage and credit card rules, and so much more.

  • Coverage rules for all Reg. Z-covered extensions of credit
  • Definitions – these are crucial to understanding what aspects of Reg. Z cover which loans and lines of credit
  • Consumer purpose vs. business purpose
  • Exceptions to coverage exemptions
  • Differences between closed- and open-end credit
  • In-depth exploration of finance charge and APR disclosures
  • Disclosure rules – format, timing, and provision (including E-Sign)
  • Change in Terms notices
  • Personal Education Loans (PELs) – special rules
  • The many types of mortgage rules – from ATR/QM, TRID, ARMs, HPMLs, and HOEPA
  • Special discussion of TRID and its many complications
  • New categories of QMs for 2021
  • HPML requirements – underwriting, escrows, and appraisals for High-Risk Mortgage (HRM) loans
  • Appraisal rules for all Reg. Z mortgage loans
  • Loan originator compensation
  • Right of rescission – easy to get wrong
  • Open-ended credit provisions and disclosures
  • Periodic statements
  • Home Equity Line of Credit (HELOC) rules and disclosures
  • Credit card provisions (from the CARD Act and others)
  • Servicing of credit lines


Training Day Agenda (Subject to change)

9:00 am - 10:30 am CT (Followed by a 15 minute break and Q&A)

10:45 am - 12:00 pm CT (Followed by a 60 minute lunch break and Q&A)

1:00 pm - 2:30 pm CT (Followed by a 15 minute break and Q&A) 

2:45 pm - 4:00 pm CT (Followed by Q&A and session wrap up)

Appraisal Rules and Standards, RESPA Requirements, and Banking Servicemembers Seminar OnDemand with Live Streaming

This full-day streaming session will provide an in-depth look at all things Reg. Z. We'll review closed- and open-end credit, the intricate mortgage and credit card rules, and so much more.

Banking Servicemembers

  • Servicemember Civil Relief Act (SCRA) – important protections for active duty servicemembers
  • Military Lending Act (MLA) rules - what loans to this apply to?
  • Verifying status under the MLA and SCRA
  • What do we have to do when someone is covered?
  • Caps and rate restrictions under the rules
  • Disclosures
  • Principal SCRA protections, including the interest rate reduction provision
  • What does active duty mean? How do you know for sure who is covered? Plus, who is NOT covered?
  • Dealing with the DMDC website to confirm status
  • Permanent Change of Station (PCS) guidance
  • When does coverage end? Does it?
  • Foreclosure and default judgment protections
  • HUD Form 92070 - what it is and when to provide it
  • Protection against eviction
  • Training recommendations
  • CFPB issues, including complaint and other reports focusing on servicemembers
  • Steps to take now

Appraisal Rules and Standards

  • What is an "appraisal"? What is an "evaluation"? When must either be used?
  • Rules and changes around exemptions, threshold amounts, and appraisals in rural areas
  • CFPB mortgage regulations under Reg Z - additional requirements for certain loan types
  • Regulations and Interagency Guidelines - requirements for lenders and brokers impacting both appraisals and evaluations
  • Readdressed and Transferred appraisals – what are these and when can we use them?
  • Clarified independence requirements and their importance
  • The many forms of appraisals and evaluations - what can you use and when? AVMs and BPOs aren't what they used to be
  • Can you accept a previous appraisal? Dealing with "readdressed" and "transferred" appraisals
  • USPAP rules and standards and their interaction with the appraisal rules - how do appraiser rules influence what lenders must do?
  • How to achieve appraiser independence - you've got to prove it
  • Anti-coercion and undue influence provisions - what can you NOT do (or say)?
  • Investor requirements
  • COVID-19 flexibility provisions
  • Necessary elements of an Appraisal Management Program

RESPA Requirements

  • RESPA's coverage rules – when do we have to worry about these rules?
  • Disclosures – even though the GFE and HUD-1 are history, there are still disclosures to provide
  • Servicing transfers – disclosures and process
  • Section 8 – Prohibition Against Unearned Fees and Kickbacks – renewed emphasis and scrutiny on arrangements
  • Escrow accounting and disclosure rules – getting it right, plus interplay with the LE and CD
  • Servicing rules, including handling inquiries and disputes
  • Default management – early intervention, points of contact, and handling accommodations
  • Loss mitigation steps, processes, and applications
  • Foreclosure rules
  • Enhancement of these rules to accommodate bankruptcy and other situations


Training Day Agenda (Subject to change)

9:00 am - 10:30 am CT (Followed by a 15 minute break and Q&A)

10:45 am - 12:00 pm CT (Followed by a 60 minute lunch break and Q&A)

1:00 pm - 2:30 pm CT (Followed by a 15 minute break and Q&A) 

2:45 pm - 4:00 pm CT (Followed by Q&A and session wrap up)

What You'll Learn

Regulation Z - Truth in Lending
  • Coverage rules for all Reg. Z-covered extensions of credit
  • Definitions – these are crucial to understanding what aspects of Reg. Z cover which loans and lines of credit
  • Consumer purpose vs. business purpose
  • Exceptions to coverage exemptions
  • Differences between closed- and open-end credit
  • In-depth exploration of finance charge and APR disclosures
  • Disclosure rules – format, timing, and provision (including E-Sign)
  • Change in Terms notices
  • Personal Education Loans (PELs) – special rules
  • The many types of mortgage rules – from ATR/QM, TRID, ARMs, HPMLs, and HOEPA
  • Special discussion of TRID and its many complications
  • New categories of QMs for 2021
  • HPML requirements – underwriting, escrows, and appraisals for High-Risk Mortgage (HRM) loans
  • Appraisal rules for all Reg. Z mortgage loans
  • Loan originator compensation
  • Right of rescission – easy to get wrong
  • Open-ended credit provisions and disclosures
  • Periodic statements
  • Home Equity Line of Credit (HELOC) rules and disclosures
  • Credit card provisions (from the CARD Act and others)
  • Servicing of credit lines

Banking Servicemembers

  • Servicemember Civil Relief Act (SCRA) – important protections for active duty servicemembers
  • Military Lending Act (MLA) rules - what loans to this apply to?
  • Verifying status under the MLA and SCRA
  • What do we have to do when someone is covered?
  • Caps and rate restrictions under the rules
  • Disclosures
  • Principal SCRA protections, including the interest rate reduction provision
  • What does active duty mean? How do you know for sure who is covered? Plus, who is NOT covered?
  • Dealing with the DMDC website to confirm status
  • Permanent Change of Station (PCS) guidance
  • When does coverage end? Does it?
  • Foreclosure and default judgment protections
  • HUD Form 92070 - what it is and when to provide it
  • Protection against eviction
  • Training recommendations
  • CFPB issues, including complaint and other reports focusing on servicemembers
  • Steps to take now

Appraisal Rules and Standards

  • What is an "appraisal"? What is an "evaluation"? When must either be used?
  • Rules and changes around exemptions, threshold amounts, and appraisals in rural areas
  • CFPB mortgage regulations under Reg Z - additional requirements for certain loan types
  • Regulations and Interagency Guidelines - requirements for lenders and brokers impacting both appraisals and evaluations
  • Readdressed and Transferred appraisals – what are these and when can we use them?
  • Clarified independence requirements and their importance
  • The many forms of appraisals and evaluations - what can you use and when? AVMs and BPOs aren't what they used to be
  • Can you accept a previous appraisal? Dealing with "readdressed" and "transferred" appraisals
  • USPAP rules and standards and their interaction with the appraisal rules - how do appraiser rules influence what lenders must do?
  • How to achieve appraiser independence - you've got to prove it
  • Anti-coercion and undue influence provisions - what can you NOT do (or say)?
  • Investor requirements
  • COVID-19 flexibility provisions
  • Necessary elements of an Appraisal Management Program

RESPA Requirements

  • RESPA's coverage rules – when do we have to worry about these rules?
  • Disclosures – even though the GFE and HUD-1 are history, there are still disclosures to provide
  • Servicing transfers – disclosures and process
  • Section 8 – Prohibition Against Unearned Fees and Kickbacks – renewed emphasis and scrutiny on arrangements
  • Escrow accounting and disclosure rules – getting it right, plus interplay with the LE and CD
  • Servicing rules, including handling inquiries and disputes
  • Default management – early intervention, points of contact, and handling accommodations
  • Loss mitigation steps, processes, and applications
  • Foreclosure rules
  • Enhancement of these rules to accommodate bankruptcy and other situations


Training Day Agenda (Subject to change)

9:00 am - 10:30 am CT (Followed by a 15 minute break and Q&A)

10:45 am - 12:00 pm CT (Followed by a 60 minute lunch break and Q&A)

1:00 pm - 2:30 pm CT (Followed by a 15 minute break and Q&A) 

2:45 pm - 4:00 pm CT (Followed by Q&A and session wrap up)

Attend the 2 Day Truth in Lending, Appraisal, RESPA, and MLA/SCRA Seminar from the convenience of your own office or home via Live Streaming Video as it happens on Wednesday and Thursday, February 3rd and 4th (9:00 am – 4:00 pm Central Time), or at your own convenience with 6 months of OnDemand playback.

Day 1: Regulation Z - Truth in Lending - Wednesday, February 3rd, 2021

Day 2: Appraisal Rules and Standards, RESPA Requirements, and Banking Servicemembers- Thursday, February 4th, 2021

The "2 Day Truth in Lending, Appraisal, RESPA, and MLA/SCRA Seminar OnDemand with Live Streaming" has been approved for 14 CAMS credits. Credits are redeemable for Live attendance only. Users must connect to the streaming individually and enter their name and email for reporting purposes. Accreditation is valid for one year from the date of the event. To receive a certificate, email Streaming@OnCourseLearning.com.

The "2 Day Truth in Lending, Appraisal, RESPA, and MLA/SCRA Seminar OnDemand with Live Streaming" has been approved for 13.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. To receive a certificate, email Streaming@OncourseLearning.com. Certification holders must report these credits at https://aba.csod.com.

Who Should Attend

Loan officers, lenders, compliance officers, auditors, underwriters, loan support staff, appraisers, closing agents, management, and many others will benefit from this event!

Carl Pry

Instructor Bio

Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Continuing Education Credit Information

2 Day Truth in Lending, Appraisal, RESPA, and MLA/SCRA Seminar OnDemand with Live Streaming has been approved for 14 CAMS credits. Credits are redeemable for Live attendance only. Credit is for Live attendance only. Accreditation is valid for one year from the date of the event. For questions on certificates, please email support@oncourselearning.com.

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