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A Comprehensive Guide to Reg Z: Closed-End Credit Compliance

Gain a practical understanding of Regulation Z and how to avoid common pitfalls. The Truth in Lending Act's implementing rule, Regulation Z, attempts to protect consumers by requiring lenders to facilitate an informed credit decision by providing detailed disclosures at various points during the life cycle of the loan. Many lenders and their employees find Regulation Z's substantive and timing requirements to be confusing and unclear, but they do not have the time to consult with an attorney or compliance officer every time a loan term or other fact changes. This topic helps lenders and loan officers avoid the potentially significant penalties and sanctions associated with violating Regulation Z by helping them understand when the rule applies, as well as how to maintain compliance in areas of advertising, APR calculations, disclosures, and more.


Runtime: 92 minutes
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Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

Is My Loan Covered by Reg Z?

  • Covered Transactions
  • Exemptions
  • Certain Mortgage Transactions - High-Cost Mortgages, Higher Priced Mortgages and Qualified Mortgages

Selling the Loan: Advertising

  • General Requirements
  • Trigger Terms
  • Media Requirements

Making the Loan: What's the APR?

  • Fees and Finance Charges
  • APR vs. Interest Rate
  • APR Calculations

Making the Loan: What Do I Need to Tell the Customer?

  • Disclosure Requirements
    • General Requirements
    • Oral Disclosures
    • NonEnglish Disclosures
  • Content and Timing Requirements
  • Certain Mortgage and Variable-Rate Disclosure Requirements

The Loan's Closed: Now What?

  • Post-Closing Disclosure Requirements
  • Right of Rescission
  • Record Retention
  • State Law Considerations
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Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

OnDemand Webinar

This course was last revised on June 10, 2019.

Call 1-866-352-9540 for further credit information.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

Audio & Reference Manual

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

MP3 Download

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

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More Program Information

Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

Pavitra (Pavy) Bacon

Pavitra (Pavy) Bacon

Ballard Spahr LLP

  • Senior associate in the Washington, DC office of Ballard Spahr LLP
  • Practice emphasizes all aspects of consumer financial services and mortgage banking
  • Author of several publications related to the area of consumer and mortgage lending compliance
  • Chair, Consumer Finance Committee, D.C. Bar Litigation Section; Women in Housing and Finance; South Asian Bar Association; DC Capital Pro Bono Honor Roll; Super Lawyers Rising Star
  • J.D. degree, American University, Washington College of Law
  • Can be contacted at [email protected] or 202-661-2295
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Why Lorman?

Over 32 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

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Product ID: 405613
Published 2019
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