Loading...

TRID Workshop - Part 2- The Closing Disclosure

Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) Integrated Disclosures (TRID) - Regulators continue to monitor the bank’s adherence to the Rule, emphasizing enhanced borrower protections through strict adherence to timing requirements and fee tolerance limits to prevent last-minute surprises for borrowers.

Upcoming
DATE

Tuesday, May 19, 2026
2:30 pm - 5:00 pm

INSTRUCTOR

Lauren Sparks

FORMAT

Workshop

CREDIT TYPE

3 CRCM Credits

$450.00 or 4 Tokens

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

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

Save on annual training costs with our Webinar Subscription Service and share webinars across your entire organization.

Become a subscriber

Learn about upcoming events, webinars and discounts.

Sign Up For Email Notifications

This two-part series explores TRID compliance for community banks 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 are nuanced requirements of this regulation. So, we have plenty to talk about and work on together!
Limited Spots available! Join us for this special 2 ½ hour class and workshop for community bankers to explore the requirements for the first part of the TRID process - the Loan Estimate (LE). The Part 1 workshop will concentrate on the application through Intent to Proceed steps that occur at your bank. Part 2 is about execution and picks up from Changed Circumstance through Closing Disclosure (CD) processes.
We will begin with the basic regulatory requirements and emphasize the areas where your Bank 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 workshop groups to explore common questions and the operationalizing of compliance at your institution, including tips on developing internal controls to assist you. We will share in a “cameras on”, “microphones on” mode during the workshop.

What You'll Learn

  • 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, discuss ideas/tips/tools between bankers
  • A workbook with reference materials and worksheets from workshop

Who Should Attend

This workshop will be advantageous to anyone with hands-on responsibilities for issuing, addressing with customers, reviewing or auditing the TRID process. This can include 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 risk management consultant, Lauren Sparks is an accomplished advocate for community banks and women’s financial services leadership. In her career Ms. Sparks held positions in community banks that ranged from teller to Investment Officer, Loan Officer, and Cashier. She founded a women-owned, women-led denovo community bank and served as CEO and Chairman of the Board. In risk management consulting, 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 service firms where she serves as CEO. 3PR serves more than 50 community banks at any given time and has been a preferred vendor for one of the world’s largest software providers.

She has edited the Reference Guide for Regulatory Compliance Manual (RGRC) for the American Bankers’ Association (ABA). Ms. Sparks is a founder of the Houston chapter of the Association of Certified Anti-Money Laundering Specialists (ACAMS) and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and has been an Accredited ACH Professional (AAP).

Continuing Education Credit Information

TRID Workshop - Part 2- The Closing Disclosure has been approved for 3 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.

Print this page