CSBS BAI Course Catalog

Regulation W

Regulation W: Comprehensive 60 minutes This interactive course presents a general overview of Regulation W. The engaging learning experience features audio (optional), video, and scenario-based challenges. The course covers quantitative limits and collateral requirements for covered transactions between a member financial institution and its affiliates. Other topics include identifying transactions that are subject to Reg W, valuation and timing principles for covered transactions, and exemptions that may apply. The general organization of Reg W is emphasized, to aid learners in their future research and application of the rules. The course is intended for directors, management, loan officers, investment officers and audit staff of financial institutions. A Fast Track option is included for experienced learners. 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. 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. 5 minutes This course, intended for mortgage lenders and employees involved in mortgage lending, provides a brief overview of the advantages of Adjustable-Rate Mortgage (ARM) loans and the differences in ARM loan types. 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. 5 minutes This mini-course offers a review of Regulation Z’s disclosure requirements for mortgage loans, including the Loan Estimate, Closing Disclosure, and others. The course is intended for all personnel required to have general knowledge of Reg Z’s practical implications for real estate loans. HOEPA Loan Fundamentals Loan Originator Compensation Regulation Z: Adjustable Rate Mortgages Reg Z: APR Accuracy and Tolerances Reg Z: Fundamentals for Real Estate Loans Reg Z: Required Disclosures Regulation Z

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