CSBS BAI Course Catalog

Reg M: Rules for Consumer Leasing 30 minutes In this course, designed for personnel who handle consumer leases, you'll learn how to determine whether Regulation M applies, when to provide the appropriate disclosures, what information needs to be in the disclosures, and which lease terms are restricted and how.

Regulation Z

Defining Ability to Repay and Qualified Mortgages 5 minutes This course reviews two key concepts from Regulation Z’s provisions for consumer mortgage lending: ability to repay and Qualified Mortgages. The course is intended for mortgage lenders and employees involved in mortgage lending. 25 minutes Lenders who extend the type of credit covered by the Home Ownership and Equity Protection Act need to understand what defines a HOEPA loan and how to comply with its consumer protections. Intended for all loan personnel, this course covers the tests for a high-cost mortgage, types of loans covered and exempt, ability-to repay requirements, and other compliance considerations. 45 minutes This course, intended for mortgage lenders and employees involved in the mortgage lending process, identifies and explains the key features of the requirements and prohibitions of the TILA-RESPA Integrated Disclosure Rule, effective October 3, 2015. 5 minutes This mini-course provides an overview of the Loan Originator Rule and prohibited compensation practices for mortgage loan originators. The course is intended for mortgage loan originators and their supervisors, as well as compliance officers or HR staff involved in compensation policies. 45 minutes Intended for mortgage lenders and employees involved in mortgage lending, this course will help students un derstand and apply the requirements of Adjustable Rate Mortgages (ARMs), understand the differences in ARM loan types, identify necessary ARM disclosures, and understand rules regarding the advertisement of ARM loans. 75 minutes In this course, intended for mortgage loan underwriters, you will learn how to use a borrower's income tax returns to determine consumer mortgage loan eligibility for a Qualified Mortgage. 5 minutes This course offers a review of Reg Z’s tolerance and accuracy limits for APR disclosures. The course is intended for all personnel required to have general knowledge of Reg Z’s practical implications for real estate loans. 45 minutes This course provides an overview of Regulation Z requirements for real estate loans, including rele-vant fees and charges, accuracy tolerances for disclosures, and required disclosures. The course is intended for all personnel required to have general knowledge about Reg Z’s practical implications for real estate loans. HOEPA Loan Fundamentals Introduction to the Integrated Disclosure Rule Loan Originator Compensation Reg Z: Adjustable Rate Mortgages Reg Z: Appendix Q Reg Z: APR Accuracy and Tolerances Reg Z: Fundamentals for Real Estate Loans

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