Final ATR/QM Rules: Guidance, ATR Options, & Policy Update

Do you have the new ATR/QM rules down pat? Now that the 43 percent DTI rule is gone, do you know what to do? This webinar will provide the details, options, sample policy, and best practices you need to comply with the final rules.

After This Webinar You’ll Be Able To:

  • Understand the requirements of the QM final rules
  • Determine which loans are affected by the ATR/QM rules
  • Define the qualified mortgage options and conditions for each
  • Use best practices and tools to determine a consumer’s ability to repay
  • Identify which institutions qualify as “small creditors” and which elements of the QM rules apply

Webinar Details
The ATR/QM rules require lenders to make a reasonable, good faith determination of a consumer’s ability to repay any residential mortgage loan. The original general QM rules provided that a borrower’s debt-to-income (DTI) ratio could not exceed 43 percent. However, as of October 1, 2022, financial institutions must adhere to the revised general QM definition which eliminates this restriction and replaces it with priced-based thresholds tiered to the loan amount and lien position.

This session will dive into the details of the final QM rules and provide best practices for how to ensure your policies and procedures accurately reflect the changes. It will also review the seven ability-to-repay (ATR) options and provide guidance on how to not only implement the new changes, but to strengthen your current ATR/QM compliance program.

Who Should Attend?
This informative session will benefit loan officers, loan operations personnel, compliance officers, and internal auditors.

Take-Away Toolkit

  • Sample policy language
  • Sample ATR worksheet
  • 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

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.

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 Kincaid 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 implementation of new products and services. Kincaid 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.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Jan 03 2023


10:00 am - 11:30 am



More Info