The Truth in Lending/Real Estate Settlement Procedures Integrated Disclosures (TRID) requirements are a string of guidelines dictating what information lenders need to share with borrowers and when they must provide it. TRID rules also regulate what fees lenders can charge and how these fees can change as the mortgage matures.
The TRID rules were originally published in 2013 and were effective in October 2015. Final TRID 2.0 rules were published in July 2017 and were effective on October 1, 2018. The industry is still waiting on the next version. But until those are published, it is important to understand the challenges faced with the current rules.
This four-part series examines the intricacies of the TRID rules and highlights various tripwires to avoid at your institution. You’ll come away with a comprehensive understanding of TRID, the Loan Estimate (LE), and the Closing Disclosure (CD), and receive a detailed manual that can serve as a handbook long after you’ve completed the series.
Included Webinars
Total TRID Training – Part 1
Total TRID Training – Part 2
Total TRID Training – Part 3
Total TRID Training – Part 4
Series Details
Total TRID Training – Part 1
General Rules
Covered Transactions
Exempt Transactions
Predisclosure Activity
Early Disclosures
Loan Estimate
Shopping Disclosure
Toolkit
Tolerance
Good Faith
Revised Disclosures
LE
CD
Waiver of Waiting Period
Total TRID Training – Part 2
Loan Estimate – Line-by-Line
General Information
Loan Terms
Projected Payments
Costs at Closing
Loan Costs
Other Costs
Calculating Cash to Close
Comparisons
Other Considerations
Air Table
AP Table
Total TRID Training – Part 3
Closing Disclosure – Line-by-Line
General Information
Loan Terms
Projected Payments
Costs at Closing
Loan Costs
Other Costs
Calculating Cash to Close
Summaries of Transactions
Loan Disclosures
Loan Calculations
Other Disclosures
Contact Information
Air Table
AP Table
Total TRID Training – Part 4
TRID for Construction Loans
Scope
Timing
Appendix D
General Information
Loan Terms
Projected Payments
Loan and Other Costs
Calculating Cash to Close
Summaries of Transactions
Loan Disclosures
Air Table
AP Table
Loan Calculations
Other Disclosures
Contact Information
Confirm Receipt
What You’ll Learn
The TRID rules are divided into four parts of this program. While it appears that certain content is repeated in more than one part, the content of certain disclosures varies between the LE and the CD, and there are definitely different rules for construction loans.
Who Should Attend
The program is ideal for loan officers, compliance officers, loan support staff, marketing staff, auditors, and any others with responsibilities related to the TRID rules.
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