CSBS BAI Online Course Catalog

Reg Z: Adjustable Rate Mortgages 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. 45 minutes This course, recommended for all employees who need a general knowledge of Regulation Z, addresses which loans fall under Regulation Z, which fees and charges apply to real estate loans, how to locate resources for determining APR and the timeframes and disclosures relevant to the regulation. 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. 120 minutes In this course, intended for all lending personnel, you will learn how to identify the Annual Percentage Rate and the disclosure rules relating to it, recognize the finance charge and the corresponding disclosure rules, identify the amount financed and the appropriate disclosures, and recognize what other disclosures exist and the rules that pertain to them. 45 minutes This interactive 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. 30 minutes This course, intended for mortgage lenders and anyone else associated with mortgage servicing, examines the criteria that makes up a HPML, the escrow requirements for HPMLs, and exemptions from these requirements. 90 minutes In this course, intended for all lending personnel, especially credit card lenders, home equity lenders, and other consumer credit line lenders, you will learn to identify what information must be included in disclosures and what open-end credit disclosures are, indicate what comprises Annual Percentage Rate disclosures, determine the information required in new loan disclosures, and recognize what information is included in periodic state- ment disclosures. 75 minutes In this course, intended for all mortgage lending personnel, you will learn how to define the purpose of Reg Z, recognize when and where Reg Z applies, identify the penalties that occur from failure to comply with Reg Z, determine the difference between open-end and closed-end loans, identify key requirements of Reg Z, under- stand requirements regarding the transfer of mortgage loans, and recognize Reg Z's rules regarding advertising. Reg Z: An Overview Reg Z: Appendix Q Reg Z: APR Accuracy and Tolerances Reg Z: Closed-End Credit Disclosures Reg Z: Fundamentals for Real Estate Loans Reg Z: HPMLs and The Escrow Rule Reg Z: Open-End Credit Disclosures Reg Z: Purpose and Application

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