Webinar: TRID Basics for Lenders & Processors
September 25, 2025 3:00 pm - 4:30 pm
TRID rules continue to grow and evolve, and if you're new to the arena, it can seem very overwhelming.
This session will provide real-life scenarios and work through the TRID process from preparation of the Loan Estimate to delivery of the Closing Disclosure. It will address regulatory requirements, dive into the guidance, and review common errors when completing the LE and CD and how to avoid them.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Define loans covered by TRID rules
- Describe the requirements for each section of the Loan Estimate (LE) and Closing Disclosure (CD)
- Distinguish between a loan’s “purpose” under TRID versus HMDA versus URLA
- Explain when a revised LE is necessary
- Understand requirements for single-close and separate construction and permanent phase closings for construction loans
- Review your projected payment amounts and other calculations for accuracy
- Test charges subject to tolerance standards
- Recognize when a corrected CD is required
WEBINAR DETAILS
Completing the Loan Estimate and the Closing Disclosure can be daunting. The requirements for each section of the forms are affected by the purpose of a loan (purchase, refinance, construction, etc.), whether you allow borrowers to shop for settlement services, and whether escrow is involved, among other things. These disclosures must be issued in “good faith” meaning you must provide accurate information based on available facts. Issues as small as a missed checkbox or as large as a fee increase may result in a tolerance cure to the borrower. Let's take some of the fear away and focus on what you can do to ensure your disclosures are accurate.
WHO SHOULD ATTEND?
This informative session will benefit loan officers, mortgage officers, loan processors, loan operations staff, compliance officers, and internal audit staff.
TAKE-AWAY TOOLKIT
- TRID tolerance chart
- Formulas to test TRID calculations
- Sample completed forms
- 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: Dawn Kincaid, Brode Consulting Services, Inc.
Dawn Kincaid began her banking career while attending The Ohio State University. She has over 20 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Dawn served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized the implementation of new products and services.
Dawn has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits and exams, and presented for numerous state associations.