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Review of TILA-RESPA Integrated Disclosure Rule, UDAAP, and Important Dodd-Frank Provisions

 
Learn why you need to pay extra attention to the various examination manuals issued by the CFPB.The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) is one of the most significant consumer financial protection laws in the history of the country. One of the main elements of Dodd-Frank is the creation of the Consumer Financial Protection Bureau (CFPB), along with the consolidation of most federal consumer financial protection laws under the authority of the CFPB and the creation of supervisory authority over nonbank mortgage lenders. This topic will address why companies offering consumer financial products or services should pay attention to the various examination manuals issued by the CFPB. The material also will address the broad grant of authority under Dodd-Frank to the CFPB to address unfair, deceptive and abusive acts and practice, including the limited guidance that exists and lessons learned from certain CFPB enforcement actions. The topic will provide an update on the CFPB ability to repay rule for mortgage loans, and qualified mortgages that have a more favorable status under the rule. Finally, the topic will address the RESPA/TILA Integrated Disclosure (TRID) rule that combines the application and closing disclosures under the statutes that became effective in October 2015, and a recent proposal to amend the TRID rule.

Faculty

Richard J. Andreano

Richard J. Andreano

Ballard Spahr LLP

Agenda

Faculty

Richard J. Andreano

Richard J. Andreano

Ballard Spahr LLP

  • Partner at Ballard Spahr LLP
  • Practice leader, Mortgage Banking Group, Ballard Spahr LLP
  • Fellow, American College of Consumer Financial Services Lawyers
  • Chambers USA: America's Leading Lawyers for business, banking and finance: financial services regulation: consumer finance (compliance), national ranking, 2014 to 2017
  • Wrote MBA Compliance Essentials Loan Originator Compensation Resource Guide™, published by the Mortgage Bankers Association
  • Co-wrote, MBA Compliance Essentials TILA/RESPA Integrated Disclosure TRID Rule Resource Guide™, published by the Mortgage Bankers Association
  • Editor-in-chief, Mortgage Finance Regulation Answer Book 2011-2012, published by the Practising Law Institute; author of chapters on the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Home Mortgage Disclosure Act, and the Real Estate Settlement Procedures Act; and co-author of the Equal Credit Opportunity Act and Truth in Lending Act chapters
  • Counsels clients on residential mortgage regulatory matters, including ability to repay, TILA/RESPA integrated disclosure (TRID) rule, CFPB and other regulator supervision and examination, UDAAP and other Dodd-Frank matters
  • Frequent speaker and author on mortgage industry issues
  • Can be contacted at 202-661-2271 or [email protected]

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