Banker's Compliance Consulting Blog

Documenting Intent to Proceed for TRID

For applications subject to TRID, getting an applicant’s intent to proceed is an important step in...

TRID & Good Faith

“Good faith” is an important concept when it comes to providing TRID disclosures, such as the Loan...

TRID: Estimates on the Closing Disclosure

The Closing Disclosure is required to be in the applicant’s hand at least three business days...

TRID & The 0% Tolerance

Regulation Z requires that a Loan Estimate …be provided in good faith…if any information necessary...

Annual Escrow Account Statements

RESPA requires, in in §1024.17(i), that …for each escrow account, a servicer shall submit an annual...

HMDA & Vacation Rentals

We received so many great questions for our FREE Lending Compliance Q & A Forum on January 22nd.We...

Risk Assessments: Identifying and Mitigating Risk

Risk assessments are an important tool, not only identifying the risks your institution faces but...

Escrow Account Computation Year

One of the foundational concepts when it comes to administering escrow accounts is the “escrow...

The Mortgage Lifecycle: It Starts with an Application

When it comes to the lifecycle of a mortgage loan, it all begins with an application. And, in many...

TRID: Issuing the Closing Disclosure Too Early

One common TRID misconception surrounds when the Closing Disclosure (CD) can be provided. At a...