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CMP6224 Mastering TILA-RESPA Integration for Compliance Specialists in Mortgage Lending

$199.00
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A tailored course, built for your situation

Mastering TILA-RESPA Integration for Compliance Specialists in Mortgage Lending

A structured approach to aligning federal disclosure mandates with origination workflows.

$199 one-time
24-hour access provisioning 30-day money-back guarantee Hand-built implementation playbook
12 modules. 12 chapters per module. 144 chapters total.
12 modules, each with 12 chapters (144 chapters total), text-based, plus downloadable templates and a hand-built implementation playbook delivered alongside course access.
Eliminate last-minute rework on Loan Estimate and Closing Disclosure packages.

Who this is for

Senior Compliance Specialist in mortgage lending at a top-tier financial institution, responsible for TRID execution and cross-functional coordination between legal, underwriting, and origination teams.

Who this is not for

Entry-level processors, auditors without disclosure workflow ownership, or professionals outside mortgage compliance.

What you walk away with

  • Deliver Loan Estimate and Closing Disclosure packages that pass first-time audit review
  • Reduce rework cycles by aligning compliance checkpoints with origination milestones
  • Establish a documented, auditable TRID workflow that survives team changes
  • Increase confidence in fast-turnaround loan processing under tight regulator timelines
  • Strengthen cross-functional credibility with underwriting and legal teams

The 12 modules (with all 144 chapters)

Module 1. Understanding TILA-RESPA (TRID) Final Rule Fundamentals
Establish a solid foundation in the regulatory framework governing loan disclosures and timing requirements.
12 chapters in this module
  1. Origins and purpose of the TILA-RESPA Integrated Disclosure Rule
  2. Key differences between HUD-1 and the Closing Disclosure form
  3. Timeline requirements for Loan Estimate delivery
  4. Timeline requirements for Closing Disclosure delivery
  5. Permissible tolerances for zero, 10%, and 10% cumulative categories
  6. Definition of 'changed circumstance' and its impact on timing
  7. Role of the creditor in disclosure compliance
  8. Application scope: which transactions are covered under TRID
  9. Exemptions to TRID requirements
  10. Key definitions: creditor, borrower, loan originator
  11. Regulatory citation: 12 CFR §1026 and §1024
  12. Integration with state-level disclosure mandates
Module 2. Loan Estimate Accuracy and Timing Compliance
Ensure correct Loan Estimate content and delivery within regulatory windows.
12 chapters in this module
  1. Calculating the loan terms for accurate disclosure
  2. Requirements for itemization on the Loan Estimate
  3. Handling fees that are not known at LE stage
  4. Integrating lender credits and rebates into LE
  5. Ensuring APR accuracy within tolerance thresholds
  6. Timing of delivery to the borrower
  7. Best practices for electronic delivery acknowledgment
  8. Managing delivery exceptions due to holidays or weekends
  9. Documentation standards for delivery tracking
  10. Interplay between LE and pre-approval offers
  11. Addressing borrower inquiries post-LE
  12. Common errors that trigger regulator scrutiny
Module 3. Closing Disclosure Reconciliation and Finalization
Align Closing Disclosure with final loan terms and ensure accuracy against LE.
12 chapters in this module
  1. Finalizing loan terms within the disclosure window
  2. Reconciliation of actual fees vs. estimated fees
  3. Categorizing amounts in tolerance calculations
  4. Handling revised terms due to underwriting changes
  5. Integrating title and settlement charges
  6. Accuracy of origination charges and lender credits
  7. APR accuracy and tolerance thresholds at closing
  8. Finance charge calculation best practices
  9. Required delivery timing and methods
  10. Obtaining borrower receipt confirmation
  11. Retaining records for exam readiness
  12. Common discrepancies between LE and CD
Module 4. Integrating Compliance Workflow into Origination Timelines
Align disclosure processes with loan origination milestones to prevent rework.
12 chapters in this module
  1. Mapping TRID milestones against loan file stages
  2. Setting internal deadlines ahead of regulatory requirements
  3. Establishing checkpoints between underwriting and compliance
  4. Integrating compliance review into LOS (Loan Origination System)
  5. Training origination staff on disclosure sensitivity
  6. Managing workflow handoffs between departments
  7. Automating internal alerts for upcoming deadlines
  8. Using configurable triggers in your LOS
  9. Documenting interdepartmental SLAs
  10. Reducing dependency on manual follow-ups
  11. Integrating post-close audits into process feedback
  12. Building compliance visibility into dashboards
Module 5. Managing Changed Circumstances and Re-issuance
Correctly handle re-disclosure when loan terms change after initial disclosure.
12 chapters in this module
  1. Defining 'changed circumstance' per CFPB guidelines
  2. Interest rate changes and re-disclosure requirements
  3. Product changes triggering re-disclosure
  4. Changes in loan terms initiated by borrower
  5. Re-issuance of Loan Estimate under tolerance breach
  6. Timing requirements after revised LE issuance
  7. Updating Closing Disclosure for new terms
  8. Documentation for re-disclosure decisions
  9. Tracking cumulative changes across disclosures
  10. Best practices for borrower communication
  11. Citing exceptions to re-disclosure
  12. Avoiding unnecessary re-disclosures
Module 6. Coordinating with Settlement and Title Agencies
Ensure accurate settlement cost integration and timely delivery.
12 chapters in this module
  1. Selecting compliant third-party title and settlement providers
  2. Integrating agency data into Closing Disclosure
  3. Validating title insurance cost accuracy
  4. Handling escrow account setup disclosures
  5. Timing coordination for final walk-through and disclosure delivery
  6. Managing agency-related timing risks
  7. Enforcing internal controls on agency data
  8. Standardizing vendor compliance requirements
  9. Documentation of agency coordination
  10. Audit trails for third-party disclosures
  11. Handling discrepancies from agency-provided figures
  12. Building redundancy for agency unavailability
Module 7. Testing and Validating Disclosure Accuracy
Implement systematic review processes for disclosure correctness.
12 chapters in this module
  1. Designing pre-submission compliance checklists
  2. Validating fee calculations across tolerance categories
  3. Reconciling lender credits and rebates
  4. Cross-checking APOR and rate lock documentation
  5. Testing electronic delivery systems
  6. Simulating borrower receipt tracking
  7. Conducting mock audits for LE and CD
  8. Using sample files for team training
  9. Integrating peer review into workflow
  10. Documenting correction processes
  11. Version control for disclosure templates
  12. Automating data validation rules
Module 8. Internal Audit and Examiner Readiness
Prepare for regulator and internal audit scrutiny with complete documentation.
12 chapters in this module
  1. Organizing audit-ready disclosure files
  2. Documenting rationale for fee estimates
  3. Retention requirements for LE and CD
  4. Providing evidence of timely delivery
  5. Responding to follow-up questions from examiners
  6. Preparing supporting documentation packs
  7. Mapping disclosures to regulatory citations
  8. Compiling audit trails from LOS and email
  9. Demonstrating accuracy of calculations
  10. Handling examiner requests for sample files
  11. Proving borrower acknowledgment
  12. Integrating feedback from past audits
Module 9. Leveraging Technology for Disclosure Management
Use LOS and workflow tools to automate and enforce compliance.
12 chapters in this module
  1. Evaluating LOS TRID module capabilities
  2. Configuring automatic fee tracking
  3. Setting alerts for upcoming deadlines
  4. Integrating with e-signature platforms
  5. Using workflow automation for internal reviews
  6. Document management system integration
  7. Validating system-generated disclosures
  8. Testing LOS updates before production
  9. Monitoring system performance for errors
  10. User access controls for disclosure editing
  11. Creating system exception reports
  12. Auditing system changes affecting disclosures
Module 10. Training and Onboarding Compliance Teams
Equip new team members with consistent TRID execution standards.
12 chapters in this module
  1. Developing onboarding materials for new hires
  2. Creating standardized reference guides
  3. Conducting hands-on disclosure practice sessions
  4. Establishing mentorship programs
  5. Updating training materials with regulatory changes
  6. Testing knowledge with sample scenarios
  7. Documenting team-specific practices
  8. Integrating compliance training into performance reviews
  9. Hosting recurring refresher sessions
  10. Capturing lessons from audits and reviews
  11. Building a repository of example files
  12. Promoting cross-functional awareness
Module 11. Responding to Regulator Findings and Feedback
Turn exam findings into workflow improvements.
12 chapters in this module
  1. Classifying types of regulator findings
  2. Root cause analysis for disclosure errors
  3. Developing corrective action plans
  4. Updating policies and procedures
  5. Communicating changes to stakeholders
  6. Tracking resolution of findings
  7. Implementing controls to prevent recurrence
  8. Documenting remediation steps
  9. Engaging legal counsel when needed
  10. Reporting to senior management
  11. Benchmarking against peer findings
  12. Using findings to strengthen training
Module 12. Sustaining Compliance Excellence and Industry Leadership
Maintain long-term accuracy and build reputation for reliability.
12 chapters in this module
  1. Establishing ongoing monitoring programs
  2. Benchmarking performance across teams
  3. Sharing best practices within the organization
  4. Presenting success metrics to leadership
  5. Contributing to industry forums
  6. Staying current with CFPB guidance
  7. Anticipating regulatory changes
  8. Mentoring junior compliance staff
  9. Documenting process innovations
  10. Building a recognized internal practice
  11. Positioning as a go-to resource
  12. Celebrating team achievements

How this maps to your situation

  • High-volume loan processing under regulator scrutiny
  • Cross-functional coordination between compliance and origination
  • Internal audit cycles and regulator exams
  • Team onboarding and knowledge retention

Before vs. after

Before
Loan Estimate and Closing Disclosure packages prone to last-minute adjustments, inconsistent cross-team alignment, and elevated risk of examiner findings.
After
Predictable, auditable disclosure workflows with first-time accuracy and internal recognition for reliability.

What's included with your purchase

  • 12 modules with 12 chapters each (144 chapters total)
  • Downloadable templates and worked examples for every module
  • Hand-built implementation playbook delivered alongside course access
  • 30-day money-back guarantee

Delivery and format

  • Course and learning environment access provisioned within 24 hours of purchase
  • Hand-built implementation playbook delivered alongside course access

Format: Text-based modules and chapters in the Art of Service learning environment, plus downloadable templates and worked examples for every chapter, plus the hand-built implementation playbook delivered alongside course access.

Time investment: Approximately 6-8 hours of focused work, designed for completion in one weekend or across three weekday evenings.

If nothing changes
Continued rework cycles, increased exposure to regulator findings, and missed opportunities to strengthen cross-functional credibility.

How this compares to the alternatives

Unlike generic compliance webinars or CFPB PDF review, this course delivers role-specific workflows, real-world templates, and a documented implementation plan tailored to mortgage compliance specialists in high-volume environments.

Frequently asked

Is this course updated for current CFPB guidance?
Yes, all content reflects current TRID rules and examiner expectations as of this cycle.
How is the course structured?
12 modules, each containing 12 chapters (144 chapters total).
Can I share the implementation playbook with my team?
The course is licensed for individual use, but the playbook may be referenced in team process discussions.
$199 one-time. Approximately 6-8 hours of focused work, designed for completion in one weekend or across three weekday evenings..

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.

30-day money-back guarantee· 144 chapters· Hand-built playbook included· Account access within 24 hours
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