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Got Snow? No Problem – Compliance Cruise

We are only a year away from our first ever Compliance Cruise!!  In 2020 (January 25 – February 1), we will be sailing the high seas, enjoying some fun in the sun and most importantly getting you the latest and greatest compliance information on a variety of lending,...

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The Mortgage Life Cycle Journey

Mortgage lending is not for the faint of heart.  There are a lot of rules and a lot of specific timing requirements that can create headaches for even seasoned loan officers.  Most compliance training is conducted in a traditional regulation by regulation format. ...

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HMDA Home Improvement Loans

Let's talk about HMDA and home improvement loans. When it comes to home improvement, any type of improvement to the real property is what HMDA calls a home improvement loan. If it's a one to four family dwelling, I don't care what you're improving as long as it's not...

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The Loan Estimate and Shopping

  The loan estimate and shopping.   I want to talk about third-party services required by the lender, where the lender’s given the opportunity to shop and how that affects the Loan Estimate.   The first thing is those fees have to be disclosed in...

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CFPB Fair Lending Report

   You undoubtedly realize that Fair Lending has been a hot topic for a number of years and that doesn’t seem to be changing anytime soon.  That’s one reason that it’s important to note that the CFPB recently released its annual Fair Lending Report.  Remember as...

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ATR/QM Matrix Updated for 2019

With a new year, of course, comes many revised compliance thresholds.  One of those is the annual adjustment to the points and fees thresholds, used as part of the criteria to determine whether a loan is a “Qualified Mortgage”.   As a result, we’ve updated our...

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HMDA Data Guide Updated for 2019

Back in October, we alerted you to the fact that the CFPB had released a new Filing Instructions Guide (FIG) for HMDA data collected in 2019.  As a result, we’ve updated our HMDA Data Guide.  Version 3.0 is available now in our free lending tools.  Please note that...

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Flood Insurance Extended

Congress has once again kicked the can down the road.  On December 21, 2018, Congress passed a stand-alone bill, to be presented to President Trump, to reauthorize the National Flood Insurance Program (NFIP) until May 31, 2019.  There are no changes to the NFIP in the...

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