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Course description

Part 1 Recorded on October 19, 2020 — 2 hours
Part 2 Recorded on November 2, 2020 — 2 hours
Part 3 LIVE - November 18, 2020
Part 4 LIVE - December 2, 2020 


The Truth In Lending/Real Estate Settlement Procedures Integrated Disclosures (TRID) requirements are overwhelming for almost everyone, but especially so for someone with little or no experience with the requirements. The TRID rules were originally published in 2013 and were effective in October 2015. Final TRID 2.0 rules were published in July 2017, and were effective on October 1, 2018. The next version of the TRID rules are in development right now.


This four-part program provides the information needed to master the TRID rules. It focuses on origination of closed-end loans secured by real property. It does not cover open-end credit or credit that is unsecured or secured by collateral other than real property or a cooperative unit.



This four-part program provides a very comprehensive review of the TRID rules, the Loan Estimate (LE), and the Closing Disclosure (CD). Whether you are new to TRID or a veteran seeking a review of the requirements this program will meet your needs.


Participants receive a detailed manual that serves as a handbook long after the program is completed.


The TRID rules are divided into the four parts of this program. While it appears that certain content is repeated in more than one part, the content of certain disclosures vary between the LE and the CD, and there are definitely different rules for construction loans.



Part 1 October 19, 2020

  • General Rules
  1. Covered Transactions
  2. Exempt Transactions
  3. Predisclosure Activity
  4. Early Disclosures
  • Loan Estimate
  • Shopping Disclosure
  • Toolkit
  1. Tolerance
  2. Good Faith
  3. Revised Disclosures
  • LE
  • CD
  1. Waiver of Waiting Period


Part 2 November 2, 2020

  • Loan Estimate – Line-by-Line
  1. General Information
  2. Loan Terms
  3. Projected Payments
  4. Costs at Closing
  5. Loan Costs
  6. Other Costs
  7. Calculating Cash to Close
  8. Comparisons
  9. Other Considerations
  10. Air Table
  11. AP Table
  12. Confirm Receipt


Part 3 November 18, 2020

  • Closing Disclosure – Line-by-Line
  1. General Information
  2. Loan Terms
  3. Projected Payments
  4. Costs at Closing
  5. Loan Costs
  6. Other Costs
  7. Calculating Cash to Close
  8. Summaries of Transactions
  9. Loan Disclosures
  10. Loan Calculations
  11. Other Disclosures
  12. Contact Information
  13. Air Table
  14. AP Table
  15. Confirm Receipt


Part 4 December 2, 2020

  • TRID for Construction Loans
  1. Scope
  2. Timing
  3. Appendix D
  4. General Information
  5. Loan Terms
  6. Projected Payments
  7. Loan and Other Costs
  8. Calculating Cash to Close
  9. Summaries of Transactions
  10. Loan Disclosures
  11. Air Table
  12. AP Table
  13. Loan Calculations
  14. Other Disclosures
  15. Contact Information
  16. Confirm Receipt



The program is designed for loan officers, compliance officers, loan support staff, marketing staff, auditors, and any others with responsibilities related to the TRID rules.

About this course...


Jack Holzknecht

Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In Jack's 34 years as a trainer over 125,000 bankers (and many examiners) have participated in his live seminars and webinars. Jack's career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he developed loan and deposit form systems and software. He also developed and presented training programs to bankers in 43 states. Jack has been an instructor at compliance schools presented by several state bankers associations. He developed and delivered compliance training for the FDIC and OTS for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association. He is also a "BOL Guru."

Course curriculum

  • 1


    • Access Webinar

  • 2


    • Questions and Answers

    • Slides

    • Materials