December 3, 2013 - Making Appendix Q Work for You
Presented by Mary Beth Guard and John Burnett
If you are trying to achieve Qualified Mortgage status under .43(e)(2), your loan must be underwritten using the rather daunting new Appendix Q to Regulation Z. Even where the use of the Appendix is not required, it can still provide vital insight into how to view the income, assets, employment history and debt obligations of any applicant for a covered transaction. This presentation is all about making Appendix Q work for your institution as a valuable tool in your efforts to comply with the 2013 Ability-to-Repay rule.
December 10, 2013 - Integrated Mortgage Disclosures: Your First Look
Presented by Mary Beth Guard and Jack Holzknecht
The new Integrated Mortgage Disclosure forms and rules are out -- and we're here to give you your first look. We're spending our time between now and December 10th dissecting what the CFPB has rolled out so we can provide an orientation to what's new.
December 12, 2013 - Mastering the ACH Rules: 2013 in Review & The Future
Presented by Shelly Simpson
Keeping up with the rules changes that affect your institution can be a challenge. NACHA's updates to the ACH Rules don't get all the "hype" that surrounds the latest Dodd-Frank-related change to mortgage rules, after all. But ACH changes can have a real impact on your day-to-day operations, and knowing what to expect can save you from embarrassing mistakes and serious customer service errors. Make sure your institution has the 2013 changes and those on the horizon under control. Join ACH expert Shelly Simpson for her informative two-hour presentation, "Mastering the ACH Rules: 2013 in Review & The Future."
December 16, 2013 - Applying Enhanced Due Diligence to High-Risk Customers
Presented by Patricia Cashman
Financial institutions' Customer Due Diligence and Extended Due Diligence programs are coming under increased scrutiny to ensure their ability to identify not only activity that might involve money laundering or terrorist financing. Recent news points to expectations that financial institutions should also be able to identify and report fraudulent activity by their customers (or customers' customers) when that activity involves transactions processed by the institution. Such expectations make more important than ever before the effectiveness of your institution's CDD program and the EDD procedures you employ to monitor high-risk customers for potentially suspicious activity. Patricia Cashman's informative presentation will review best practices for identifying and monitoring high-risk customers, and for testing the efficacy of your institution's monitoring programs.
January 15, 2014 - IRAs -- The Basic Facts
Presented by Patrice Konarik
Whether you've just been become the IRA Coordinator at your financial institution or have been handling IRAs for a while and want a refresher on the basics of this complex service, Patrice Konarik's webinar, "IRAs--The Basic Facts," will provide the information you can use to create a sound foundation for your institution's IRA program.
January 16, 2014 - Acquiring Safe Harbor on Appraisals; What This Means to You and Your Appraiser
Presented by Eric Collinsworth
There's a lot more to the new HPML Appraisal Rule in Regulation Z than simply providing a notice and a copy of the appraisals involved in a mortgage application. The rule calls for enhanced appraisals by licensed or registered appraisers, with more information than you obtain in a standard USPAP-compliant appraisal report. As the lender, you'll be responsible for specific verification and review steps to ensure compliance with the rule. A compliance failure here can become a significant Regulation Z violation -- one that you need to avoid. Join certified appraiser Eric Collinsworth as he analyzes the new appraisal requirement and provides information you can use to plan your institution's approach to the rule.
January 22, 2014 - HMDA Soup to Nuts
HMDA continues to be one of the most difficult regulations to comply with, yet "getting it right" is more important than ever. Get a well-grounded understanding of the HMDA filing requirements in this information-packed two-hour presentation by David Dickinson, and you'll have what you need to help your institution get its HMDA data gathering and reporting responsibilities under control.
January 22, 2014 - IRAs - Complicated Issues
Presented by Patrice Konarik
If you have a good grasp of IRA basics but need information on recent developments and the more complex IRA questions involving transfers, rollovers, distributions, and IRS reporting, Patrice Konarik's webinar, "IRAs--Complicated Issues," is just what you've been looking for.