Events

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Residential Mortgage Lending School

The 2023 WBA Residential Mortgage Lending School will be held April 11 – 14 at the Wisconsin Bankers Association Office in Madison. Classes will begin at 9:00 a.m. and conclude at 2:30 p.m.

Students will gain the knowledge and tools needed to be successful in this complex and highly competitive field. You will learn from seasoned professionals the concepts needed to reach that success and also learn from your fellow students through case study work as you and other team members collaborate on assignments. 

Curriculum Includes:

  • Finance Basics
  • Compliance for Residential Mortgage Lenders, Including:
    • Truth in Lending (Regulation Z)
    • FACT Act
    • ECOA (Regulation B)
    • HMDA (Regulation C)
    • Flood Protection Act
    • SAFE Act
    • Fair Lending
  • Application Generation
  • Product Knowledge
    • Conventional mortgage products
    • Government programs available for residential loans
    • Construction loans
  • Underwriting
  • Application Process
  • Sales Skills
  • Title Insurance
  • Closing Documentation
  • Pricing Considerations
  • Valuable Networking Opportunites

Attendees will also participate in a group case study that encompasses the full curriculum.

Who Should Attend?

Personal bankers, consumer lenders, loan processors, closers and new residential mortgage lenders.

Registration Information:

The student fee of $1,045 includes program registration, instruction and materials, most meals, and a Real Estate Master II Qualifier Plus calculator. Enrollment Limit: 40.

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Records Management and Retention – Compliance Requirements

Retention and management of records is more complicated than just deciding what to keep and for how long. In what form should records be kept? Should we keep more than what the regulations require? If so, what? What about possible litigation needs? Examiner expectations must be met, of course, but other parties, such as law enforcement, auditors, and of course your customers, to name just a few, may require access to information, as well.

To manage an effective program in a cost-effective manner, compliance professionals must rely on information from a broad range of resources within the organization. Records management is the point of convergence of these resources, which is why effective and reliable records management must be part of your Compliance Program.

What You’ll Learn

  • Types of information that constitutes a record that we should retain
  • Retention requirements
  • Best practices we can follow
  • How to set up or enhance bank’s records management program
  • Risks involved in records retention
  • What an effective and comprehensive program looks like
  • How the program should be organized- a taxonomy hierarchy
  • Litigation needs — how does this process factor in
  • Destruction of records and information — when and how should this be done
  • This will be an interactive session with several opportunities for questions and answers, so come prepared to discuss your needs and issues.

Who Should Attend
Anyone involved in the creation, management, and destruction of information and records will benefit from the knowledge and information shared in this session, including compliance officers, auditors, information security and management, IT personnel, senior management, bank counsel, operations, privacy, and others with a vested interest to ensure a cost-effective and comprehensive records management program.

Presenter Bio
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, D.C. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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Escrows

Compliance with the escrow requirements can be tricky. The rules are vague, certain terms are not defined, and we’ve even seen investors make up rules that contradict the regulatory requirements. If you aren’t in compliance, the chances are good that it’s a systemic issue, which can lead to more serious consequences.

While the Regulation hasn’t changed in many years, the Consumer Financial Protection Bureau (CFPB) updated their Mortgage Servicing FAQs in June 2021. These updates include many FAQs specific to escrow accounts, escrow account analysis and escrow account deficiencies, shortages and surpluses.

What You’ll Learn

  • CFPB Escrow Accounts FAQs
  • Required vs. Voluntary Escrow Accounts
  • Initial, Annual, Short-Year & Payoff Statements
  • Surpluses, Shortages, & Deficiencies
  • Step-by-Step Escrow Account Analysis
  • TILA’s HPML, TRID, & Flood Insurance Intersections
  • Best Practices, Plain English Answers to Your Questions & Much More!

Who Should Attend
This webinar is designed for consumer real estate loan officers, loan processors, compliance, audit and other loan operations personnel that handle escrow accounts.

Instructor Bio
Jerod Moyer is the leader of Banker’s Compliance Consulting’s training productions. He is a nationally recognized speaker. Whether it’s a conference, seminar, school, webinar or luncheon, it’s easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Moyer has spoken on behalf of the American Banker’s Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Moyer likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD  + $140
    • Additional Live Access + $75 per person
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Advertising Compliance

Advertising compliance is often a challenge for many institutions. Marketing personnel aren’t always experts with the technical advertising requirements established within the various regulations. And, those responsible for regulatory compliance are often excluded from the process until after an advertisement has been published. The challenge doesn’t end with just the technical components of an advertisement. UDAAP is also a huge concern. You have to be aware of the differences of luring someone vs. deceiving them (UDAAP).

This webinar will help you learn what you can say, what you can’t say, when to say it, etc. Several examples of real-world advertising errors will also be included.

What You’ll Learn

  • FDIC signage and advertising rules
  • The Fair Housing Act
  • Deposit Insurance
  • Truth in Lending
  • Truth in Savings
  • Sample Rate Sheet
  • Non-Deposit Investments
  • Lobby Disclosures
  • Web Sites
  • UDAAP

**Lotteries and sweepstakes will not be covered.

Who Should Attend
This webinar is for anyone that’s responsible for managing, producing or reviewing advertisements.

Presenter Bio
David Dickinson‘s banking career began as a field examiner for the FDIC in 1990. He later became a compliance officer and loan officer for a small bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces.

He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. Dickinson is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools, and is a frequent speaker at the ABA’s Regulatory Compliance Conference. He is also a trainer for hundreds of webinars, is a Certified Regulatory Compliance Manager (CRCM), and has been a BankersOnline Guru for many years. The American Bankers Association honored Dickinson with their Distinguished Service Award in 2016.

Dickinson and his wife Karen have 3 adult children and 2 grandsons (none of whom live at home!) and 3 cats (of which Dave is allergic — the cats, not the children!). They live on a lake in Nebraska and when possible, he can be found fishing or making sawdust in his shop. Dickinson plays the guitar & piano and enjoys singing with Karen. They occasionally lead worship at their church.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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Loan Fraud

This dynamic program will instruct you on how to identify fictitious loan applications and review identification documents. Know the different loan frauds like bust-out schemes, loan kiting, and shotgunning loan applications. Using actual case studies, we will provide you with a new basis to review loan documents for commercial and consumer loans. The most important step in preventing loan fraud is training your lending staff on these concepts.

What You’ll Learn

  • Understand the types of Loan Fraud
  • Learn why Loan Fraud is committed
  • Be aware of how a criminal commits Loan Fraud
  • Know how you can examine a Loan Application for Fraud

Who Should Attend
Security Officers, Risk Management, Financial Crime Investigators, Loan Officers, Loan Processors, and auditors.

Presenter Bio
Robert Hyde is an ACFE Certified Fraud Examiner with 30 years of experience in investigating various financial crimes.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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HMDA A–Z Seminar OnDemand with Live Streaming

HMDA compliance is tough! With all the data you are required to collect and report, there are bound to be mistakes. You can’t rest easy though, because too many errors can lead to civil money penalties. This webinar will take a look at HMDA from beginning to end and everything in between. This is a great opportunity to take an in-depth look at HMDA get your HMDA compliance on the right track!

What You’ll Learn

  • Bank Coverage – Who’s In & Who’s Out
  • Covered Loans
  • What’s a Dwelling?
  • Mixed-Use Properties
  • Demographic Information
  • Data Collection & Reporting for “Small” and “Large” Filers
  • What’s a Dwelling?
  • Mixed-Use Properties
  • Demographic Information
  • Data Collection & Reporting for “Small” and “Large” Filers

Who Should Attend
This webinar is for loan officers, loan processors, compliance, audit and other loan operations personnel.

Instructor Bio
Jerod Moyer is the leader of Banker’s Compliance Consulting’s training productions. He is a nationally recognized speaker. Whether it’s a conference, seminar, school, webinar or luncheon, it’s easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker’s Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Moyer likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $1049

  • Available Upgrades:
    • Additional Live Access + $99 per person
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Mortgage Origination Compliance – Part 2

Note: This information is part 2 of a 2 part series.  To register for both webinars click here.

There are numerous compliance requirements when originating a consumer-purpose mortgage loan. Most people think about the TRID requirements (TILA-RESPA Integrated Disclosures), but there are many more. From ability-to-repay and Qualified Mortgage (QM) rules, flood insurance and appraisal requirements, to fair lending, there is much to think about. As well, the loan may be HMDA-reportable. And with the many recent changes in the QM, HMDA, and appraisal rules, things can get tricky. As well, the pandemic resulted in additional considerations. We’ll pay particular attention to these changes so you don’t miss a beat.

How can you keep all the requirements straight in your head so you can be sure to not miss anything? In Part 2 of this 2-part webinar, we’ll discuss all the relevant requirements and considerations in the origination process.

Covered Topics

  • Flood insurance requirements
  • Appraisal rules – when you have to get an appraisal and when you don’t
  • Fair lending considerations and Reg. B rules
  • HMDA reportability
  • FCRA considerations
  • And others

Who Should Attend
Anyone at the institution is involved in the mortgage loan origination process, including loan officers, processors, loan secretaries, closing agents, compliance officers, counsel, management, and others.

Instructor Bio
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, D.C. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

Available Upgrades:

  • 12 Months OnDemand Playback + $110
  • 12 Months OnDemand Playback + CD + $140
  • Additional Live Access + $75 per person
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Mortgage Origination Compliance – Part 1

Note: This information is part 1 of a 2 part series.  To register for both webinars click here.

There are numerous compliance requirements when originating a consumer-purpose mortgage loan. Most people think about the TRID requirements (TILA-RESPA Integrated Disclosures), but there are many more. From ability-to-repay and Qualified Mortgage (QM) rules, flood insurance and appraisal requirements, to fair lending, there is much to think about. As well, the loan may be HMDA-reportable. And with the many recent changes in the QM, HMDA, and appraisal rules, things can get tricky. As well, the pandemic resulted in additional considerations. We’ll pay particular attention to these changes so you don’t miss a beat.

How can you keep all the requirements straight in your head so you can be sure to not miss anything? In Part 1 of this 2-part webinar, we’ll discuss all the relevant requirements and considerations in the origination process.

Covered Topics
Reg. Z and RESPA, including TRID requirements, to include:

  • The LE and CD
  • Affiliated Business Arrangement disclosure
  • Special Information Booklet
  • Special Reg. Z requirements around ARMs
  • HPMLs
  • Section 32 loans
  • Rental property loans
  • And the ATR/QM rules

Who Should Attend
Anyone at the institution involved in the mortgage loan origination process, including loan officers, processors, loan secretaries, closing agents, compliance officers, counsel, management, and others.

Instructor Bio
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

Available Upgrades:

  • 12 Months OnDemand Playback + $110
  • 12 Months OnDemand Playback + CD + $140
  • Additional Live Access + $75 per person
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Mortgage Origination Compliance – 2 Part Series

There are numerous compliance requirements when originating a consumer-purpose mortgage loan. Most people think about the TRID requirements (TILA-RESPA Integrated Disclosures), but there are many more. From ability-to-repay and Qualified Mortgage (QM) rules, flood insurance and appraisal requirements, to fair lending, there is much to think about. As well, the loan may be HMDA-reportable. And with the many recent changes in the QM, HMDA, and appraisal rules, things can get tricky. As well, the pandemic resulted in additional considerations. We’ll pay particular attention to these changes so you don’t miss a beat.

How can you keep all the requirements straight in your head so you can be sure to not miss anything? In this 2-part webinar, we’ll discuss all the relevant requirements and considerations in the origination process.

Included Webinars
Mortgage Origination Compliance – Part 1
Mortgage Origination Compliance – Part 2

Series Details
Mortgage Origination Compliance – Part 1
June 7, 2022, 10:00 am CDT
In Part 1 of this 2-part webinar, we’ll discuss all the relevant requirements and considerations in the origination process.

Covered Topics
Reg. Z and RESPA, including TRID requirements, to include:

  • The LE and CD
  • Affiliated Business Arrangement disclosure
  • Special Information Booklet
  • Special Reg. Z requirements around ARMs
  • HPMLs
  • Section 32 loans
  • Rental property loans
  • And the ATR/QM rules

Mortgage Origination Compliance – Part 2
June 21, 2022, 10:00 am CDT
How can you keep all the requirements straight in your head so you can be sure to not miss anything? In Part 2 of this 2-part webinar, we’ll discuss all the relevant requirements and considerations in the origination process.

Covered Topics

  • Flood insurance requirements
  • Appraisal rules – when you have to get an appraisal and when you don’t
  • Fair lending considerations and Reg. B rules
  • HMDA reportability
  • FCRA considerations
  • And others

Who Should Attend
Anyone at the institution involved in the mortgage loan origination process, including loan officers, processors, loan secretaries, closing agents, compliance officers, counsel, management, and others.

Instructor Bio
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $509

Available Upgrades:

  • 12 Months OnDemand Playback + $190
  • 12 Months OnDemand Playback + CD + $250
  • Additional Live Access + $150 per person
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Mortgage Loan Origination: Critical Timing Requirements

Mortgage loan origination is all about the timing. Take this opportunity to learn the trigger points that start the clock ticking and how long the windows remain open. Discover how to create a proper mortgage loan file. Compliance is crucial to protect your institution and sail through the next exam.

After This Webinar You’ll be Able To:

  • Distinguish between a preapproval and an application
  • Explain when to use business days versus calendar days to meet compliance requirements
  • Identify triggering events that determine when compliance notices are required
  • Recognize the importance of documenting triggering events
  • Understand critical regulatory compliance timing requirements

Webinar Details

Meeting critical timing requirements is essential during mortgage loan origination. Have you second guessed whether the document’s delivery date is based on business days or calendar days? Do Saturdays count? Is today Day One, or is it tomorrow? In some cases, disclosures can only be provided so far in advance of a triggering event, while other documents must be provided so many days after an event.

Compilation of a compliant loan file can be so confusing! The process is definitely dependent upon understanding the numerous timing requirements that go beyond those required by TRID. This webinar will take a deep dive into the critical loan compliance timing constraints related to the delivery and receipt of mortgage loan documents during the origination process. Understanding how to create a sequentially dated mortgage loan file will ensure you are better prepared for the next examination or compliance review!

Who Should Attend?

This informative session is designed for mortgage lenders and processors, as well as those responsible for auditing and reviewing loan files, including compliance officers and internal auditors.

Take-Away Toolkit

  • Application triggers outlined by regulation
  • Mortgage loan flow chart
  • Sample changed circumstance form
  • Flood insurance calculation worksheet
  • Sample mortgage loan checklist
  • 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 institution is prohibited. Print materials may be copied for eligible participants only.

Presenter
Molly Stull – Brode Consulting Services, Inc.

Molly Stull began her career as a teller while working on her undergraduate degree and has continued working in the financial industry ever since. She has experienced the growth of a hometown bank, branch mergers, charter changes, name changes, etc. Stull has activated business resumption plans, performed secondary market quality control reviews, processed wires, filed SARs, and coordinated reviews with external auditors and examiners. Her favorite role has always been educating staff and strongly believes that if staff understands the reason for a process they will be more compelled to follow the procedures. Stull holds a bachelor’s from the University of Akron and an MBA from Ashland University.

Registration Options

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