"My favorite part of attending ICBA Institutes is connecting with peers from other institutions. I look forward to future events knowing familiar faces will be there, and while the training is always excellent, it’s the networking that keeps me coming back."
-McKenzie Humpal, VP Compliance Officer at First Citizens Bank in Iowa
"Through ICBA, I earned the CCBIA, CBAP, and CCBCO designations, each enhancing my role at different stages of my career. Each designation provided valuable resources and insights that improved my expertise in these areas."
-Michael Hoehn, Assistant Compliance Officer and CRA Officer at First Metro Bank in Muscle Shoals, Alabama.
"The Fraud Seminar was excellent and very informative. I got a lot of resources that will help in our FI. Great tools."
-Donna Franklin, AmeriState Bank, Atoka, Ohio
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Regulation Z or the Truth in Lending Act, encompasses several laws or
acts and has been amended over the years. The regulation requires bank
to disclose the terms and cost of consumer credit transactions and
includes rules meant to inform and protect consumers. There are specific
requirements for closed-end credit plans, whether they are real estate
secured or not. This course focuses on the requirements extended to
closed-end consumer credit that is secured by real estate, focusing
mainly on the Integrated Disclosures (TRID). This course does not go in
depth on how to complete the Integrated Disclosures. This course is
intended for lenders, loan operations staff, and compliance personnel.
Learning Objectives:
Understand the various calculations that go into required fields
on disclosures
Identify the contents and timing requirements of the Loan Estimate
and Closing Disclosure
Know when a revised disclosure may be provided
Understand that special rules apply to loans that have special
terms and conditions
Comply with the requirements of Regulation Z in closed-end real
secured transactions
