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TRID Workshop for Community Banks - 2 Part Series

This two-part workshop explores TRID compliance for community institutions using a nuts-and-bolts approach. From the initial issuance of the final rule in July 2015 to the 2017 amendments (TRID 2.0), there is a lot of history with the nuanced requirements of this regulation.

Upcoming
May 1, 2025
May 8, 2025
Presented by Lauren Sparks
6 CRCM Credits
$850.00 or 8 Tokens

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Auditing
  • Compliance
  • Lending
  • Compliance Officer
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Senior Management
  • Training Manager
  • Trainer

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Can you believe it? We are close to celebrating ten years of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) Integrated Disclosures (TRID)!

This event will include breakout rooms where you will get the opportunity to collaborate with peers, as well as our industry expert, Lauren Sparks. Limited spots available!

Join us for this special workshop for community institutions to explore the requirements of the TRID process. And with ten years of history, we’ll have plenty to talk about and work on together!

Included Webinars

  • TRID Workshop for Community Banks - Part 1
  • TRID Workshop for Community Banks - Part 2

Series Details

TRID Workshop for Community Banks - Part 1

We will begin with the basic regulatory requirements and emphasize the areas where your policy or product decisions dictate how you will be compliant for certain fields. We will share common errors, audit exceptions, and exam findings to highlight potential gaps in your process. Finally, we will break into groups to explore common questions and the operationalizing of compliance at your institution, including tips on developing internal controls to assist you.

  • Truth in Lending Act and Real Estate Settlement Procedures Act overview specific to TRID
  • Application coverage
  • Loan Estimate timing and delivery requirements
  • Review of the Loan Estimate block by block
  • Changed Circumstance process and Intent to Proceed
  • Common errors, audit exceptions, and exam findings for the Loan Estimate
  • Internal controls to support the TRID Loan Estimate process
  • Practical methods to track TRID application activity and Loan Estimate issuance
  • Common questions workshop where we will work through scenarios and discuss ideas/tips/tools

TRID Workshop for Community Banks - Part 2

We will begin with a short recap of the Loan Estimate factors that impact the Closing Disclosure. We will share common errors, audit exceptions, and exam findings to highlight potential gaps in your Closing Disclosure process. Finally, we will break into groups to explore common questions and the operationalizing of compliance at your institution, including developing internal control tips to assist you.

  • Recap of Loan Estimate factors feeding into the Closing Disclosure
  • Intent to Proceed
  • Handling Changed Circumstances: the reality of a mortgage loan
  • Review of the Closing Disclosure block by block
  • Common errors, audit exceptions, and exam findings for the Closing Disclosure
  • Internal controls to support an accurate TRID Closing Disclosure process
  • Post Closing control processes
  • Common questions workshop where we will work through scenarios and discuss ideas/tips/tools

What You'll Learn

  • Part 1: Application through Intent to Proceed steps that occur at your institution
  • Part 2: Changed Circumstance through Closing Disclosure processes

Who Should Attend

This workshop is ideal for anyone with hands-on responsibilities for issuing, addressing with customers, reviewing, or auditing the TRID process, including loan officers, loan processors responsible for TRID documentation, compliance officers, and auditors.

Lauren Sparks

Instructor Bio

With a career spanning 40+ years as a community banker and banking regulatory and risk management consultant, Lauren Sparks is an accomplished advocate for community banks and women’s financial services leadership. In her early banking career, Ms. Sparks held positions that ranged from teller to Investment Officer, Loan Officer, and Cashier. Ms. Sparks moved to bank consulting firms at a local level, and then to a national level where as a Director she specialized in troubled banks and fintech. In 2009, Ms. Sparks formed 3PR, Inc., a woman-owned consulting firm specializing in community banks and financial institutions. 3PR serves more than 40 community banks at any given time and has had experience as a preferred vendor for one of the world’s largest software providers.

Ms. Sparks edited the Reference Guide for Regulatory Compliance Manual for the American Bankers’ Association for 10 years. Ms. Sparks is a founder of the Houston chapter of the Association of Certified Anti-Money Laundering Association (ACAMS) and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and an Accredited ACH Processional (AAP).

Continuing Education Credit Information

TRID Workshop for Community Banks - 2 Part Series has been approved for 6 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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