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TRID: Understanding the Basics 4-Part Series

Though TRID has been a part of the compliance landscape for nearly a decade, its complexity makes it one of the most commonly cited violations year after year. To achieve compliance with TRID’s string of guidelines, and numerous amendments throughout the years, you need more than a cursory overview.

Upcoming
DATE

Monday, July 6, 2026
2:30 pm - 10:30 pm

INSTRUCTOR

Kimberly Boatwright

FORMAT

Webinar

CREDIT TYPE

9.5 CRCM Credits

  • Auditing
  • Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Risk Management/Legal
  • Transaction Compliance
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Risk Manager
  • Senior Management

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TRID (TILA‑RESPA Integrated Disclosure) was designed to simplify the mortgage disclosure process, yet nearly a decade after implementation it remains one of the most complex and frequently cited compliance challenges for lenders. With multiple amendments, highly prescriptive requirements, strict timelines, tolerance thresholds, and heavy reliance on third‑party systems, TRID continues to create operational risk across the loan lifecycle.

This in‑depth, four‑part series provides a comprehensive examination of the TRID framework from application through closing, with a particular focus on the Loan Estimate (LE) and Closing Disclosure (CD). Participants will explore the regulatory intent behind TRID, the evolution of the rule, and the most common tripwires that lead to violations—ranging from accuracy and timing issues to communication breakdowns, system limitations, and vendor coordination challenges.

Designed for professionals who need more than a surface‑level overview, this series delivers practical guidance for navigating real‑world TRID challenges, strengthening internal controls, and maintaining compliance in a constantly evolving regulatory environment. Attendees will leave with a stronger command of TRID requirements, increased confidence in managing LE and CD disclosures, and a detailed reference manual to support ongoing compliance efforts long after the series concludes.

What You'll Learn

Understand the foundational TRID framework, including:

  • General rules and regulatory intent
  • Covered vs. exempt transactions
  • Predisclosure activities and early disclosure requirements

Master Loan Estimate (LE) requirements, including:

  • How LE rules were designed to meet regulatory standards
  • Timing, delivery, tolerance rules, and good‑faith requirements
  • When and how revised LEs are permitted

Complete a line‑by‑line walkthrough of the Loan Estimate, covering:

  • General information and loan terms
  • Projected payments and cash‑to‑close elements
  • Loan costs, other costs, and shopping disclosures
  • Comparisons, other considerations, and common problem areas

Gain a thorough understanding of Closing Disclosure (CD) requirements, including:

  • How CD rules align with TRID regulations
  • Accuracy, consistency, and tolerance thresholds
  • Timing, delivery, waiting periods, and waiver rules

Complete a detailed, line‑by‑line review of the Closing Disclosure, including:

  • Loan and other costs
  • Calculating cash to close
  • Summaries of transactions
  • Loan disclosures, calculations, and other required disclosures
  • Contact information and receipt confirmation

Apply TRID rules to construction loans, including:

  • Scope and timing considerations
  • Appendix D calculations
  • Specialized disclosure requirements and loan‑specific nuances

Learn best practices for:

  • Managing third‑party and vendor coordination
  • Reducing human error and system‑dependency risks
  • Strengthening training, internal controls, and compliance processes

Who Should Attend

This program is ideal for loan officers, compliance officers, loan support staff, marketing staff, auditors, and any others with responsibilities related to the TRID rules.
Kimberly Boatwright

Instructor Bio

Kimberly Boatwright is EVP and Director of Risk and Compliance at Compliance Resource, LLC, and has more than two decades of experience working in the financial services industry. Ms. Boatwright is a well-regarded financial industry risk and compliance professional with a strong background in program development and implementation. She is a thought leader who specializes in Fair Lending, Anti-Money Laundering, OFAC, and consumer compliance. During her career, she has worked for and consulted with all types of financial institutions helping to establish and evolve compliance and risk programs. She is a frequent public speaker, trainer, and author on compliance and risk management topics. Kimberly is a Certified Regulatory Compliance Manager and a Certified Anti-Money Laundering Specialist.

Continuing Education Credit Information

TRID: Understanding the Basics 4-Part Series has been approved for 9.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

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