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All Things TRID 2023 Webinar


Even though TRID has been around for over 7 years now, it continues to confuse and confound. Plus, there have been changes and additions to the rule. You’ve probably run into many of the same issues many of your peers have, and you likely have many of the same questions. TRID is always at or near the top of the list of common violations and problems. There continue to be areas of confusion that need clarity.

This webinar is intended to review and discuss the extensive ins and outs regarding TRID, including the most recent updates and some continued unresolved questions and how to deal with them. As well, there are many pain points in both the new loan process and disclosures that we’ll review in order to formulate some best practices. We’ll talk specifics about the Loan Estimate and Closing Disclosure, as well as some of the frequent violations.

What You’ll Learn

  • Detailed TRID coverage requirements – what is covered and what is not?
  • Reform provisions – what will they do? What can we expect?
  • Criticality of meeting the timing and delivery requirements of the Loan Estimate and the Closing Disclosure
  • Ensuring your application process is sound
  • Issues around the content of the Loan Estimate and the Closing Disclosure – specific line items and questions
  • Variations/tolerance issues – what is the “fee tolerance baseline”? When we can issue a revised LE (and/or CD?) How and when should we remediate?
  • Documenting changed circumstances – perhaps the most important thing you can do
  • Changes before closing – is a new waiting period required?
  • Pre-disclosure requirements – collecting fees and obtaining “intent to proceed”
  • Pre-qualifications and pre-approvals (are there such things anymore?)
  • Keeping straight the business day differences and the mailing rule
  • When to rely on automation vs. when not to
  • Proving your good faith efforts to comply
  • Redisclosure and reimbursement – when and how?

Who Should Attend
Anyone in the institution having responsibilities in the consumer mortgage environment, including loan officers, processors, clerks, closing agents, and so forth. Also, compliance officers and counsel will benefit from the information provided in this webinar.