Ability to Repay – ON-DEMAND WEBINARS


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Date Recorded: February 11, 2022

Presenter: Anetria Cohen, Vice President and Senior Consultant, FORVIS

A two-hour webinar on a review of the Ability-to-Repay Rules.

The Dodd-Frank Act, and its implementing rule in Regulation Z’s Section 43, introduced in federal lending compliance regulations certain basic underwriting requirements that financial institutions have to follow for mortgage loans. What does the Ability-to-Repay (ATR) rule require the institution to do? What is a qualified mortgage, and what is the advantage of doing a qualified mortgage? Can your institution originate a small creditor qualified mortgage? What is Appendix Q?

In addition to reviewing the requirements of the rule, we will also discuss the impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act (which added a new qualified mortgage!), which was signed into law in May 2018, and the Consumer Financial Protection Bureau’s advance notice that they plan to let one of the qualified mortgage options to expire.

Understanding the rule’s obligations is fundamental in establishing and understanding a creditor’s comprehensive underwriting program.


  • When a loan is subject to the ATR requirements
  • Compliance options, including the various qualified mortgages
  • Appendix Q
Who Should Listen

This webinar will be of value to anyone involved in the underwriting process, or charged with overseeing compliance with the Ability-to-Repay regulations and internal loan policies, including lending officers, compliance officers, loan administration, loan review and internal audit personnel.

Program Level: Basic

Prerequisite/Advanced Preparation: Basic Knowledge of Lending Regulations

Field of Study: Specialized Knowledge

Copyright Disclaimer

Any recording, transmission, retransmission, or republishing of any portion of this webinar is prohibited.