CSBS BAI Online Course Catalog

Reg B: Nine Prohibited Discrimination Factors 60 minutes Recommended for loan personnel, this course teaches ways to identify the definition of discrimination as it pertains to Reg B and the financial industry, and recognize the types of discrimination described under Reg B. 30 minutes This course, recommended for loan personnel, will teach about the notification process, counteroffers and when they should be made, what constitutes a loan application and a withdrawn application, and the steps to take when information is missing. 45 minutes In this course, recommended for all personnel involved in providing loan applications, students will recognize violations regarding prescreening, the definition of cosigners, and recognition of properly secured loans; comprehension of disparate treatment on a prohibited basis and the effects test will also be covered. 45 minutes Intended for lending staff and employees requiring an in-depth knowledge of Regulation B, this interactive course covers how Reg B impacts various aspects of the lending process, such as applications, information requests, and notifications. It also includes a detailed discussion of Reg B’s nine prohibited bases. Reg B: Notification Requirements Reg B: Prescreening, Cosigners, and Disparate Treatment Regulation B: Comprehensive

Regulation M

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: ability to repay and Qualified Mortgages. The course is intended for mortgage lenders and employees involved in mortgage lending. 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. 60 minutes This course, intended for mortgage lenders and employees involved in mortgage lending, addresses the docu- mentation requirements for the Ability-to-Repay rule, differences in Qualified Mortgages, how debt-to-income ratios affect ATR and QMs, prepayment penalties and record retention requirements. Introduction to the Integrated Disclosure Rule Loan Originator Compensation Reg Z: Ability-to-Repay and Qualified Mortgages

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