Mortgage Origination: An Overview of Compliance Requirements – ON-DEMAND WEBINARS


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Recorded: February 16, 2021

Presented by: Ms. Anetria Cohen, VP and Senior Consultant, FORVIS​

A two-hour webinar to review the origination of a mortgage loan. Everything from application to closing!

Originating a mortgage loan is perhaps one of the most difficult processes among all lending products from a compliance standpoint, particularly with all of the changes due to the 2008 financial crisis and the resulting Dodd-Frank Act. Lenders must comply with a number of provisions under different regulations, which can be confusing and overwhelming.

This webinar will provide a high-level overview of federal lending compliance requirements, presented from the time of application to closing, and will differentiate between those rules that require us to provide disclosures and those that require certain analysis. The webinars will provide a refresher for those who are familiar to lending compliance, and an excellent introduction for those new to lending area.


The webinar will include the origination requirements for closed-end mortgage loans under ECOA/Regulation B, FCRA, TILA/Regulation Z, RESPA/Regulation X, Privacy, Flood Insurance, PMI, and Sale of Insurance. Among other rules, the webinars will include the following topics:

  • Applications:
    • Definition of application under ECOA/TILA
    • Government Monitoring Information under ECOA/HMDA
  • At application requirements: ARM Disclosures; Privacy Notice; and Insurance Notice
  • Permissible Purpose/Credit Report
  • Disclosures Required Three Business Days After Application, including the Loan Estimate
  • Determinations: Ability to Repay; Higher-Priced Mortgage Loan; and High-Cost Mortgage; Flood
  • Disclosures/Notification Required before Closing, Including Notification, Appraisal and Flood
  • Closing Disclosure
  • Other Obligations at/after Closing: Right of Rescission; PMI Notice; and Escrow Account Statement
Who Should Listen

This webinar will be of value to anyone involved in the origination of mortgage loans, including compliance officers, audit personnel, those involved in operations, and lending officers.

Program Level: Basic

Prerequisite/Advanced Preparation: Basic Knowledge of Lending Regulations

Field of Study: Specialized Knowledge

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

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