Small Creditors, Small Lenders, and Small Servicers – ON-DEMAND WEBINARS


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SKU: SWSCS Category:

Recorded: February 10, 2022

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

A two-hour webinar discussing the definitions and specific rules/exceptions that apply to smaller institutions.

Small institutions generally engage in “relationship banking” and more likely to understand and try to help their customers. For that reason, the agencies created certain exclusions or slightly different rules for them. Specifically, “small creditors” have exceptions or options under the Higher-Priced Mortgage Loans (HPMLs) and Ability to Repay/Qualified Mortgages under Truth-in-Lending Act/Regulation Z; “small lenders” have an exception from the escrow requirements under Flood Insurance; and “small servicers” have exceptions or alternative rules under TILA/Regulation Z and RESPA/Regulation X.

This webinar will discuss these rules, including the definitions of “small creditor,” “small lender,” and “small servicer” in detail and then provide an overview of the rules themselves to explain the importance of being a “small” institution.


  • Definition of “small creditor,” “small lender,” and “small servicer”
  • Small creditor rules: HPML and Qualified Mortgages (TILA/Regulation Z)
  • Small lender rules: Escrow (Flood Insurance)
  • Small servicer rules: Periodic statements (TILA/Regulation Z) and numerous mortgage servicing rules under RESPA/Regulation X
Who Should Listen

This webinar will be of value to anyone involved in the servicing 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

Copyright Disclaimer

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