CSBS BAI Course Catalog

Regulation Z: Closed-End Credit Disclosures 45 minutes Intended for all lending personnel, this course covers Regulation 's key disclosure requirements for closed-end, non-mortgage loans. Students will learn the disclosure rules for annual percentage rate (APR), finance charge, and amount financed, including what costs are included and excluded in calculating them. In addition, the course covers requirements for disclosing payment schedule, total of payments, variable rate disclosures, late payment charges, prepayment disclosures, security interests, and demand features. 30 minutes This course, intended for mortgage lenders and servicers, examines the criteria that define a higher-priced mortgage loan (HPML), the escrow requirements for HPMLs, and exemptions from these escrow requirements. Regulation Z: Open-End Credit Disclosures 60 minutes In this course intended for all lending personnel, you will learn to identify what information must be included in open-end credit disclosures, discover what comprises the annual percentage rate, and recognize what information is included in periodic statement disclosures. 10 minutes This course, recommended for all employees who need a general knowledge of Regulation Z, gives an overview of reverse mortgages and their disclosures. 30 minutes This course, intended for frontline employees and other employees who do not deal directly with loans, provides an overview of Reg Z, including its purpose, when it applies, and key requirements. 90 minutes Upon completion of this course, recommended for mortgage lending personnel, students will be able to identify the background and purpose of Reg Z, indicate the key elements of a disclosure statement, and determine when disclosures are required. Servicemember's Civil Relief Act 5 minutes Developed for all employees, particularly loan personnel, this mini-course provides a brief review of the Military Lending Act (MLA), which protects servicemembers from predatory lending. 5 minutes Intended for all employees, this mini-course outlines key requirements of the Servicemembers Civil Relief Act (SCRA), which provides relief of certain obligations to members of the U.S. Armed Forces. 15 minutes Developed for all employees, this course covers the Military Lending Act (MLA), which protects servicemembers from predatory lending. Regulation Z: HPMLs and The Escrow Rule Regulation Z: Reverse Mortgages Regulation Z: The Basics RML: Complying With Regulation Z MLA Key Requirements SCRA Key Requirements Servicemember Series: A Military Lending Act (MLA) Guide

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