Compliance with Federal Real Estate Lending Regulations

Transcription

1 Compliance with Federal Real Estate Lending Regulations A comprehensive seminar covering regulations affecting consumer loans September 18 & 19, 2018 Knoxville, U.T. Conference Center September 20 & 21, 2018 Nashville, TBA Barrett Training Center September 26 & 27, 2018 Jackson, Union University, Barefoot Student Union Building

2 Compliance with Federal Real Estate Lending Regulations ProBank Austin is pleased to offer the most comprehensive Compliance with Federal Real Estate Lending Regulations seminar we ve ever presented. This program is designed to offer the attendee detailed instruction on topics that affect consumer mortgages. The Compliance with Federal Real Estate Lending Regulations program is structured to focus on disclosures and contract provisions of the major consumer protection topics such as Regulation Z, RESPA, and others. Recent revisions to regulations are covered during this seminar. This program is a must for those entering the regulatory compliance world or those responsible for pre-closing file preparation or postclosing file review. Attendees will receive one of the most highly regarded manuals in the industry and will likely be referred to on countless occasions. WHO SHOULD ATTEND This program is suitable for compliance officers, lenders, loan administration personnel, and auditors. Program content is presented at the basic to intermediate levels and focuses on federal law. Attendees should be generally familiar with lending terms and procedures. This is the annual review for those who realize the breadth of their task and know that, without help, they cannot read enough to keep up in this area. No advance preparation is required. THE MANUAL Attendees receive a manual with a detailed outline on each discussion topic. PROGRAM LEVEL Intermediate PREREQUISITES No advance preparation is required.

3 PROGRAM TOPICS Truth-in-Lending Act - Regulation Z (Closed-End Credit) Coverage and exemptions Integrated mortgage disclosures: coverage, timing, revised disclosures, tolerances, the loan estimate, and the closing disclosure Waiting periods and fee restrictions Adjustable rate mortgage disclosure Limitations on mortgage loan originator compensation Identifying HOEPA (Sec. 32) and HPMLs (Sec. 35), including escrow and additional appraisal requirements Rescission pitfalls Ability-to-repay and qualified mortgages Servicing requirements including closed-end periodic statements Real Estate Settlement Procedures Act Current coverage and exemptions Rules and disclosures regarding force placement of insurance Mortgage servicing policies Early intervention, continuity of contact, and loss mitigation procedures Proper administration of escrow accounts Prohibition of referral fees Flood Disaster Protection Act When flood determinations are required Use of previous determinations Accuracy, content, and timing of required notices Impact of the recent revisions Penalties for noncompliance Homeownership Counseling Coverage Notification requirements SCRA disclosure

4 PROGRAM TOPICS continued Military Lending Act Who s covered What types of loans are covered Mandatory disclosures and limitations on terms Impact of recent revisions Homeowners Protection Act Disclosures when requiring PMI Cancellation and termination requirements Annual disclosures and notification upon cancellation or termination PROGRAM SPEAKER Anetria Connell is a vice president at ProBank Austin. Prior to joining the firm, she served as legal counsel to the Kentucky Department of Financial Institutions, which regulates depository, nondepository, and securities entities. Her primary responsibility at the Department was the Dodd-Frank Act, whereby she assessed its effect on federal and state law and provided information and training to examiners and staff. In addition to her regulatory experience, Connell practiced business, real estate, and banking law. She graduated from The George Washington University Law school in 2004 with honors and is licensed to practice law in Ohio and Kentucky.

5 PROGRAM FEES TBA Members / Associate Members Fee covers instruction; Early Registration $470 $940 comprehensive manual; Early registration deadline is September 4. and continental breakfast, refreshment breaks, and lunch both Registration Day-of-Program $520 $570 $990 $1,040 days. Please register early; seating is limited. No written confirmation of seminar registration will be sent from the TBA. Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates. Nonmembers DATES AND LOCATIONS September 18 & 19 Knoxville U.T. Conference Center 600 Henley Street, Suite September 20 & 21 Nashville TBA Barrett Training Center 211 Athens Way or September 26 & 27 Jackson Union University in the Barefoot Student Union Building 1050 Union University Drive These meeting locations are designated nonsmoking facilities and properties. SCHEDULE FOR BOTH DAYS 8:30 a.m. Registration 9:00 a.m. Program begins Noon Lunch 1:00 p.m. Program continues 4:00 p.m. Adjourn

6 CONTINUING EDUCATION CREDIT Attendees qualify for 6.5 hours per day of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge. This program has not been pre-approved for ABA Professional Certifications CE credits. Attendees who require ICB credits should go to aba.csod.com for further instructions. GENERAL INFORMATION TNBankers.org/education/events has information on attire, special needs, cancellation policy, inclement weather policy, photo policy, and our antitrust policy. HOTEL INFORMATION Nashville SpringHill Suites Marriott Nashville MetroCenter 250 Athens Way Fairfield Inn & Suites, 100 French Landing Dr Candlewood Suites Nashville Metrocenter, 270 Venture Circle Knoxville Knoxville Marriott, 501 E. Hill Ave Holiday Inn Select, 525 Henley St Knoxville Hilton, 501 W. Church Ave Jackson Comfort Inn & Suites, 61 Casey Jones Ln Doubletree Hotel, 1770 Hwy 45 Bypass Holiday Inn Express, 55 Parkstone Place For more information about this program, contact: Penny Powlas or

7 2018 COMPLIANCE WITH FEDERAL REAL ESTATE LENDING REGULATIONS Knoxville, September 18 & 19 Nashville, September 20 & 21 Jackson, September 26 & 27 Please print or type. List name and badge nickname for each attendee. SS# LAST 4 DIGITS MUST BE INCLUDED For educational tracking purposes only. Nickname Nickname Nickname Nickname Company Contact Address City State ZIP Phone Fax TBA / Associate Members Nonmembers Early Registration $470 $940 Early registration deadline is September 4. Registration $520 $990 Day-of-Program $570 $1,040 TOTAL Enclosed $ 2 WAYS TO REGISTER! 1. Register online with a credit card or ACH at 2. Mail this form with a check made payable to the Tennessee Bankers Association to the address below. RETURN COMPLETED FORM AND PAYMENT TO: Tennessee Bankers Association Attn: Penny Powlas 211 Athens Way, Ste 100 Nashville, TN Phone: or