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Banker Resource Center

Mortgage Rule Videos

Ability-to-Repay & Qualified Mortgages: Introduction

The series begins with the Ability-to-Repay & Qualified Mortgages rule (ATR/QM rule) with a special focus on aspects of the ATR/QM rule of particular interest to community bankers.

Ability-to-Repay & Qualified Mortgages: The Core Requirement: A Reasonable Determination of an Ability-to-Repay

Segment two of the ATR/QM video reviews the most basic requirement of the ATR/QM rule: the determination of a consumer's ability to repay a loan that is a covered transaction.

Ability-to-Repay & Qualified Mortgages: How to Demonstrate Compliance for Non-QMs: The Eight Factors

Emphasizing the commonsense underwriting intended by the rule, this segment of the ATR/QM video details how creditors make a reasonable ability to repay a loan that is not a Qualified Mortgage (QM).

Ability-to-Repay & Qualified Mortgages: The Qualified Mortgage Presumptions

Segment four reviews the characteristics and effects of the two kinds of presumptions associated with QMs.

Ability-to-Repay & Qualified Mortgages: Establishing QM Status

This segment reviews the requirements for underwriting QMs.

Ability-to-Repay & Qualified Mortgages: What Charges Count Toward the QM Points and Fees Cap?

Segment six reviews the components of the points and fees cap with respect to QMs.

Ability-to-Repay & Qualified Mortgages: Understanding Supervisory Expectations Regarding Non-QM and QM Lending

This segment discusses supervisory expectations regarding compliance with the ATR/QM rule.

Ability-to-Repay & Qualified Mortgages: Building an Effective Compliance Management System for ATR/QM

This segment focuses on how institutions can build and maintain an effective compliance management system with respect to the ATR/QM rule.

Ability-to-Repay & Qualified Mortgages: Synthesis, Review and Resources

This segment closes out the ATR/QM video by synthesizing the rules concerning balloon mortgages, as well as the assumptions to be used in calculating payments to be considered in underwriting ARM loans.

Loan Originator Compensation Rule: Introduction

This segment introduces the Loan Originator Compensation Rule (LO Comp Rule) Video

Loan Originator Compensation Rule: LO Comp Rule Purpose, Coverage and Overview; “Loan Originator” and “Compensation” Defined

Segment two highlights the major components of the LO Comp Rule and reviews the rule’s most basic requirement.

Loan Originator Compensation Rule: Loan Originator Compensation Based on Loan Terms or Proxies Is Prohibited; Exceptions for Profits-Based Compensation

Segment three delves into the rule’s compensation provisions in depth, focusing primarily on the prohibition against loan originator compensation based on loan terms or proxies for loan terms.

Loan Originator Compensation Rule: Other Compensation Aspects of the Rule; Record Retention Requirements and Required Policies and Procedures

Segment four examines the permissibility of pricing concessions and the practices of dual compensation and steering.

Loan Originator Compensation Rule: Building an Effective Compliance Management System (CMS) for the LO Comp Rule; Presentation Recap and Resources

This segment focuses on what institutions could consider when building and maintaining an effective compliance management system for the LO Comp Rule, and offers some practical tips for ensuring compliance.

Flood Insurance: Overview and Key Requirements

The first video in this series provides a general overview and key requirements of the flood insurance regulations.

Flood Insurance: Building an Effective Compliance Management System

The second video in this series discusses building an effective Compliance Management System to enhance a bank’s record of compliance with the flood insurance regulations.

Flood Insurance: Common Violations and Consequences for Noncompliance

The third video in this series discusses the most commonly cited violations of the flood insurance regulations and the consequences for pattern or practice violations.

Flood Insurance: Frequently Asked Questions

The fourth video in this series provides answers to and illustrative examples of frequently asked questions on various flood insurance topics.

Flood Insurance: Review and Resources

The final video in this series reviews the main points discussed in the preceding videos. Additionally, a listing of resources used in the development of this series is provided.

Overview of Mortgage Servicing: Determining Your Small Servicer Status

This video provides an overview of mortgage servicing and describes how to determine whether a servicer meets the definition of a small servicer under Regulation Z.

Focus on Small Servicers: Key Requirements for Small (and Large) Servicers

This video describes key provisions for which small servicers do not have an exception. These are the provisions that all servicers, small and large, must comply with.

If You Become a Large Servicer: Rules for Large Servicers

This video provides an overview of some of the requirements that apply to large servicers and from which small servicers are exempt. This video is useful for large servicers.

Servicer Obligations to Successors in Interest

This video describes successors in interest, including the definition of successor in interest and a general overview of what to be aware of when working with successors in interest.

The Compliance Management System and the Servicing Rules

This video provides information and examples related to developing a compliance management system that considers the mortgage servicing rules.