Webinar: Mortgage Lending Compliance Overview
September 30, 2025 3:00 pm - 4:00 pm
Home mortgages are usually the largest loans consumers will undertake and the largest loans a lender will make.
Such an important issue is accompanied by a comparably large number of regulations, documentation, disclosures, and deadlines. It can make your head spin! But this overview will provide resources and lists that will guide you on the path to successful mortgage lending.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Differentiate between a “completed application” for purposes of Reg B (ECOA) and Truth in Lending (Reg Z)
- Identify the correct disclosures for open- and closed-end products
- Explain the requirements for adverse action notices
- Provide examples of how much flood insurance is required
- Determine the correct definition of “business day” for rescission purposes
WEBINAR DETAILS
The sheer number of documents created during the home mortgage lending process can be overwhelming. Yet each document plays an important part in creating an understanding and agreement between the lender and the borrower. From application through closing, there are many regulations that come into play, including upfront disclosures with HELOC and ARMs; disclosures provided within three days of receiving an application for a closed-end mortgage; credit score notices; appraisal notices and reports; flood determinations and notices… and the list goes on. This webinar will provide an overview of the regulatory requirements, timeframes, and disclosure types. It will also answer some of the commonly asked questions from loan production staff.
WHO SHOULD ATTEND?
This informative session is geared for anyone who takes mortgage loan applications or interacts with prospective borrowers, loan production staff, underwriters, loan officers, funders, quality control staff, compliance personnel, risk management professionals, and auditors.
TAKE-AWAY TOOLKIT
- List of internet resources
- Finance charge chart
- Required disclosure listings per loan type
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
Speaker: Mary-Lou Heighes, Compliance Plus, Inc.
Mary-Lou Heighes is President and founder of Compliance Plus, Inc., which has assisted financial institutions with the development of compliance programs since 2000. She provides compliance training for trade associations and financial institutions. Mary-Lou has been an instructor at regulatory compliance schools, conducts dozens of webinars, and speaks at numerous conferences throughout the country.
Involved with financial institutions since 1989, Mary-Lou has over 30 years’ compliance experience. Before starting Compliance Plus in 2000, she spent five years working as a loan officer, marketer, and collector. She also worked at a state trade association for seven years providing compliance assistance and advising on state and federal legislative issues that affect financial institutions.