Credit Union Compliance for CFPB Mortgage Rules

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Resource Types:

NAFCU Final Rule SummariesFinal Rule Summaries*

Regulatory AlertRegulatory Alert*

Scope & Applicability ChartScope & Applicability Charts*

Download all charts now.

NAFCU Compliance BlogNAFCU Compliance Blog

NAFCU Compliance ArticleNAFCU Compliance Article*

NAFCU WebcastWebcast

NAFCU Conference sessionConference session

*Member-only resources.

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Get the information you need to prepare your credit union for the CFPB’s new mortgage rules. Organized by category, below you’ll find resources available through NAFCU such as links to summaries of the final rules, insightful blog posts, articles and webcasts, to help you get up-to-speed.

Mortgage Rule Categories:

Qualified Mortgages/Ability-to-Repay

Mortgage Servicing

Loan Originator Compensation & Qualifications

Appraisal Disclosures & Delivery

Escrow Requirements

HOEPA/High-Cost Mortgage Loans

Qualified Mortgages/Ability-to-Repay

 

Compliance Deadline: January 10, 2014

NAFCU Final Rule Summaries

 NAFCU Final Rule Summary

NAFCU Final Rule Summaries

 NAFCU Regulatory Alert: Proposed Amendments to Ability-to-Repay
Comment period closed.

NAFCU Final Rule Summaries

 NAFCU Regulatory Alert: Proposed Amendments to Ability-to-Repay and Mortgage Servicing
Comments Due to NAFCU: May 16, 2013
Comments Due to CFPB: 30 days after publication in the Federal Register
Scope & Applicability Chart

Scope & Applicability Chart: Ability-to-Repay Requirements and Qualified Mortgage Standards
NAFCU Webcast

CFPB’s New Rules: Ability-to-Repay/Qualified Mortgages
On-Demand Webcast Available Until March 6, 2014
Download Q&As from the webcast (member-only).

NAFCU Webcast

CFPB Compliance Update by NAFCU’s Compliance Team (Registration Coming Soon!)
November 6 | 2:00 p.m. – 3:30 p.m. EST
NAFCU Compliance Blog

Qualified Mortgages/Ability-to-Repay blog posts
NAFCU Conference session

NAFCU 2013 Regulatory Compliance Seminar | October 22 – 25, Nashville, Tenn.
This conference covers the latest challenges and changes in credit union rules and regulations and the 2013 agenda will be content-rich with updates on the full scope of the CFPB’s new mortgage requirements.

 

Mortgage Servicing

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Compliance Deadline: January 10, 2014

NAFCU Final Rule Summaries

 NAFCU Final Rule Summary

NAFCU Final Rule Summaries

 NAFCU Regulatory Alert: Proposed Amendments to Ability-to-Repay and Mortgage Servicing
Comments Due to NAFCU: May 16, 2013
Comments Due to CFPB: 30 days after publication in the Federal Register
Scope & Applicability Chart

Scope & Applicability Chart: Regulation Z (TILA) Mortgage Servicing Requirements
Scope & Applicability Chart

Scope & Applicability Chart: Regulation X (RESPA) Mortgage Servicing Requirements
NAFCU Webcast

The CFPB’s Final Mortgage Regulations
On-Demand Webcast Available Until February 13, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Digging Deeper: CFPB’s Mortgage Rules
On-Demand Webcast Available Until March 27, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Which New Requirements Apply to HELOCs?
On-Demand Webcast Available Until April 10, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Preparing for New Mortgage Servicing Notices
On-Demand Webcast Available Until April 17, 2014
NAFCU Webcast

Consumer Information Request & Error Resolution Procedures
On-Demand Webcast Available Until May 15, 2014
NAFCU Webcast

CFPB Compliance Update by NAFCU’s Compliance Team (Registration Coming Soon!)
November 6 | 2:00 p.m. – 3:30 p.m. EST
NAFCU Compliance Blog

Mortgage Servicing blog posts
NAFCU Compliance Article

"Understanding the Small Servicer Exemptions"
NAFCU Conference session

NAFCU 2013 Regulatory Compliance Seminar | October 22 – 25, Nashville, Tenn.
This conference covers the latest challenges and changes in credit union rules and regulations and the 2013 agenda will be content-rich with updates on the full scope of the CFPB’s new mortgage requirements.

 

Loan Originator Compensation & Qualifications

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Compliance Deadline: January 10, 2014
(Except prohibition on mandatory arbitration and financing of credit insurance deadline of June 1, 2013)

NAFCU Final Rule Summaries

 NAFCU Final Rule Summary
Scope & Applicability Chart

Scope & Applicability Chart: Loan Originator Compensation, Qualifications, Training and Disclosure Requirements
NAFCU Webcast

The CFPB’s Final Mortgage Regulations
On-Demand Webcast Available Until February 13, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Digging Deeper: CFPB’s Mortgage Rules
On-Demand Webcast Available Until March 27, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Mortgage Loan Origination (Registration Coming Soon!)
August 21 | 2:00 p.m. - 3:30 p.m. EDT
NAFCU Webcast

CFPB Compliance Update by NAFCU’s Compliance Team (Registration Coming Soon!)
November 6 | 2:00 p.m. – 3:30 p.m. EST
NAFCU Compliance Blog

Loan Originator Compensation & Qualifications blog posts
NAFCU Compliance Article

"Mortgage Loan Originator Requirements for Qualification and Screening, Training and Disclosures"

 

Appraisal Disclosures & Delivery

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Compliance Deadline: January 18, 2014

NAFCU Final Rule Summaries

 NAFCU Final Rule Summary: Free Access to Appraisals

NAFCU Final Rule Summaries

 NAFCU Final Rule Summary: High Risk Mortgage Appraisals
Scope & Applicability Chart

Scope & Applicability Chart: Regulation B Appraisal Disclosure Requirements
Scope & Applicability Chart

Scope & Applicability Chart: Appraisal Disclosure Requirements for Higher-Priced Mortgage Loans
Scope & Applicability Chart

Scope & Applicability Chart: Appraisal Requirements for Higher-Priced Mortgage Loans
NAFCU Webcast

The CFPB’s Final Mortgage Regulations
On-Demand Webcast Available Until February 13, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Digging Deeper: CFPB’s Mortgage Rules
On-Demand Webcast Available Until March 27, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

CFPB Compliance Update by NAFCU’s Compliance Team (Registration Coming Soon!)
November 6 | 2:00 p.m. – 3:30 p.m. EST
NAFCU Compliance Blog

Appraisal Disclosures & Delivery blog posts
NAFCU Compliance Article

"New Appraisal Disclosure Requirements: Regulation B and Higher-Priced Mortgage Loans"

 

Escrow Requirements

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Compliance Deadline: June 1, 2013

NAFCU Final Rule Summaries

 NAFCU Final Rule Summary

NAFCU Final Rule Summaries

 NAFCU Regulatory Alert: Proposed Amendments to Escrow Requirements
Comments Due to NAFCU: April 24, 2013
Comments Due to CFPB: 15 days after publication in the Federal Register
Scope & Applicability Chart

Scope & Applicability Chart: New Escrow Requirements for Higher-Priced Mortgage Loans
NAFCU Webcast

The CFPB’s Final Mortgage Regulations
On-Demand Webcast Available Until February 13, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Digging Deeper: CFPB’s Mortgage Rules
On-Demand Webcast Available Until March 27, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

CFPB Compliance Update by NAFCU’s Compliance Team (Registration Coming Soon!)
November 6 | 2:00 p.m. – 3:30 p.m. EST
NAFCU Compliance Blog

Escrow Requirements blog posts
NAFCU Compliance Article

"Escrow Requirements for Higher-Priced Mortgage Loans"

 

HOEPA/High-Cost Mortgage Loans 

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Compliance Deadline: January 10, 2014

NAFCU Final Rule Summaries

 NAFCU Final Rule Summary
Scope & Applicability Chart

Scope & Applicability Chart: New Requirements for High-Cost Mortgages
Scope & Applicability Chart

Scope & Applicability Chart: New Homeownership Counseling Disclosure Requirement
NAFCU Webcast

The CFPB’s Final Mortgage Regulations
On-Demand Webcast Available Until February 13, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Digging Deeper: CFPB’s Mortgage Rules
On-Demand Webcast Available Until March 27, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

Which New Requirements Apply to HELOCs?
On-Demand Webcast Available Until April 10, 2014
Download Q&As from the webcast (member-only).
NAFCU Webcast

CFPB Compliance Update by NAFCU’s Compliance Team (Registration Coming Soon!)
November 6 | 2:00 p.m. – 3:30 p.m. EST
NAFCU Compliance Blog

HOEPA/High-Cost Mortgage Loans blog posts
NAFCU Compliance Article

"New Homeownership Counseling Disclosure Requirement"