---
title: Banking Regulations Compliance | ATR, QM, High-Cost Mortgage Loan
description: Banker’s Compliance Consulting offers different types of BSA Training & Banking Regulations Consulting | ATR, QM, High-Cost and Higher-Priced Mortgage Loan
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [Banking Regulations Compliance | ATR, QM, High-Cost Mortgage Loan](https://blog.bankerscompliance.com/en/ability-to-repay-qm-high-cost-and-higher-priced-mortgage-loans)

 Written by [Diane Dean](https://blog.bankerscompliance.com/en/author/diane-dean) | Apr 16, 2018 2:50:31 AM

Do you remember the barrage of mortgage loan changes we experienced in 2014?  There were certainly a lot of them and that was before TRID was even born!  Since that time, we’ve continued to see changes, and even changes upon changes.  At the heart of those 2014 rules, were the concepts of Ability to Repay (ATR) and Qualified Mortgages (QMs).  These concepts go well beyond checking a box and need to be at the forefront of your real estate lending process.  Not only do you need to make sure that you follow the regulatory requirements, but you need to also ensure consistency among lenders and make sure what you’re actually doing is in line with your Loan Policy and related procedures.  Is it time for a refresher?  If so, join us for our April 24, 2018 for our [ATR, QM, High-Cost and Higher-Priced Mortgage Loan Requirements](https://store.bankerscompliance.com/#/product/35ed3f8d-73ac-4396-9266-7037ef68d09a?keyword=) webinar.  We will cover the in’s, out’s and everything in between!

 

Published  
 2018/04/16  
 Diane Dean

[View full post](https://blog.bankerscompliance.com/en/ability-to-repay-qm-high-cost-and-higher-priced-mortgage-loans)

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