Lender's Comprehensive Guide to Mortgage Loan Compliance

Jul 18, 2018 to Jul 19, 2018
Indiana Bankers Association
8425 Woodfield Crossing Blvd Suite 155 E
Program Overview: 

PDF Brochure

During the last few years, both Congress and the various federal regulators have crafted revisions to many of the regulations that have been a part of our lending lives. This has resulted in many additional regulatory issues in every mortgage loan transaction.  As a result, lenders have been struggling to determine what they should do to assure that they not only make a safe and sound loan for the bank, but also do so in a manner that will not create regulatory difficulties. 

With all of the changes and additions, a one-day seminar to cover this subject has not been possible in recent years. This seminar will be two very full days in length. This seminar will cover all aspects of mortgage compliance that a lender should know, including all the current rules and recent changes. 

All subjects that will be covered will include all of the latest information available.  A complete listing of subjects (as known at the time of printing this brochure) are included in the Agenda.


The S.A.F.E. Act

  • Registering the Mortgage Loan Originator

Inquiry Issues

  • General Regulation B Requirements

Application Issues

  • Definitions of “Application” Under the Various Regulations
  • General Regulation B Requirements
  • RESPA – Booklet for Purchases
  • Impact of the APR – “Higher Priced Mortgage Loans”
  • Impact of the APR/fees – HOEPA Loans
  • Regulation Z – Loan Estimate
  • Regulation Z - ARM Disclosure Rules
  • Regulation B - Right to Appraisal / Delivery of Appraisal Rules
  • RESPA - Affiliated Business Arrangement Rules
  • Sales of Insurance Rules

Processing and Underwriting Requirements

  • Regulation B – General Requirements
  • FACT Act Mortgage Credit Score Disclosure Rules
  • Flood Determination and Notice Rules
  • Appraisal Guidelines
  • Regulation Z - Changed Circumstances
  • Regulation Z – Changes in APR
  • Ability to Repay

Loan Closing Rules

  • Regulation Z - Rescission Rules
  • Regulation Z - Closing Disclosure
  • Flood Rules for Loan Closing
  • Purchase of Insurance Rules

Other Topics (Included for your Review)

  • BSA Requirements
  • Regulation O

Bill Elliott, CRCM, Sr Consultant & Manager of Compliance
Bill Elliott has over 35 years of banking experience. As a compliance consultant and manager of the compliance division with Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials.

During his career, Bill spent 15 years as a compliance officer and CRA officer in a large community bank, and also worked for a large regional bank. He has been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.


8:30 a.m. Registration & Continental Breakfast
9:00 a.m. Program Begins
12:00 Noon Lunch (included)
1:00 p.m. Program Resumes
4:00 p.m. Program Adjourns


This seminar will be held at the IBA Center for Professional Development, 8425 Woodfield Crossing Blvd. Suite 155E, Indianapolis, IN 46240. Directions, map & a list of local hotels are available at www.indianabankers.org or by calling 317-387-9380.


IBA Members
$425 First Person
$310 Additional Attendee From Same Institution


Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or non-member rates.

Additional Information: 


This seminar is designed to discuss the compliance issues from the perspective of mortgage lenders and lending management. This seminar will also assist compliance officers, senior management, bank trainers, loan auditors, loan operations personnel, and others involved in the mortgage lending compliance process to understand all of the new requirements and to share this information with others inside the bank. 


Association Contact: 

If you have any questions please contact Elizabeth Kilty at 317-387-9380 or via e-mail at ekilty@indianabankers.org.

Cancellation Policy: 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations the day before or absences on the day of the program. Substitutions are welcome at anytime.

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