BankNewswatch

Ability to Repay, Qualified Mortgage, High Cost & Higher-Priced Mortgage Loans

Thursday, December 1st, 2022 10:00 am - 12:00 pm CT

A BankWebinars.com Program

Click Here to register for live program $279

Click Here to register for live program and recording $419


Regulation Z has a whole lot of requirements for loans deemed to be a Qualified Mortgage, High Cost Mortgage, or a Higher-Priced Mortgage. It also requires you to verify a borrower’s Ability to Repay on certain types of loans. Keeping all these rules straight can be quite a challenge, to say the least. This webinar will look at each requirement, break it down and tell you what you need to know and how to maintain compliance!

Topics

  • All About the Ability to Repay Requirements
  • The New General & Seasoned QMs
  • Policy & Procedure Recommendations and Requirements
  • Small Creditor Categories, Criteria & Status Transitions
  • Small Creditor Portfolio & Balloon QMs
  • QM vs. Non-QM Risk
  • HCM Loans - What to Look for & Avoid
  • HPML Criteria & Effects (Exceptions, Balloons, Escrows, Appraisals, etc.)

Faculty

Jerod Moyer

Jerod is the leader of Banker's Compliance Consulting's training productions. He is a nationally recognized speaker. Whether it's a conference, seminar, school, webinar or luncheon, it's easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker's Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Jerod likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!