Credit Union Compliance for CFPB Mortgage Rules

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Resource Types:

NAFCU Final Rule SummariesFinal Rule Summaries*

NAFCU Consolidated Regulatory Text DocumentsConsolidated Rule Text*

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

TILA/RESPA Integrated Mortgage Disclosures

New!

Consolidated Regulatory Text gives you all of the additions and amendments for all CFPB final mortgage rules by category.

Qualified Mortgages/Ability-to-Repay 

 

Compliance Deadline: January 10, 2014

NAFCU Conslidated Regulatory Text Documents

Consolidated Regulatory Text
All rule additions and amendments in one document, as the final rule will appear in January.

NAFCU Final Rule Summaries

NAFCU Final Rule Summary

NAFCU Final Rule Summaries

NAFCU Final Rule Summary - Clarification on Final Rules

NAFCU Final Rule Summaries

NAFCU Final Rule Summary - Amendments to Regulation X, Regulation Z and Regulation B
Scope & Applicability Chart

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

NAFCU Webcast

Post Mortem Panel: Qualified Mortgages and Ability-to-Repay
On-Demand Webcast Available Until March 11, 2015

NAFCU Webcast

The CFPB’s Qualified Mortgages and Ability-to-Repay Rules Update
On-Demand Webcast Available Until August 21, 2014

NAFCU Webcast

End of Year Regulatory Compliance Update
On-Demand Webcast Available Until November 14, 2014

NAFCU Compliance Blog

Qualified Mortgages/Ability-to-Repay blog posts

NAFCU Compliance Article

"NCUA Supervisory Focus for 2014 – Risk Management and New Regulations"

NAFCU Compliance Article

"NCUA Releases Helpful Resources for Credit Unions with New CFPB Mortgage Rules"

NAFCU Compliance Article

"Understanding the Qualified Mortgage Quagmire"

NAFCU Compliance Article

"Small Creditor Portfolio Exemption for QMs Explained"

NAFCU Conference session

NAFCU 2013 Regulatory Compliance Seminar Online | Presented Live October 22 – 25, 2013
This conference covered the latest challenges and changes in credit union rules and regulations, including updates on the full scope of the CFPB's new mortgage requirements. (On-demand courses available for purchase).

 

Mortgage Servicing 

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Compliance Deadline: January 10, 2014

NAFCU Conslidated Regulatory Text Documents

Consolidated Regulatory Text
All rule additions and amendments in one document, as the final rule will appear in January.

NAFCU Final Rule Summaries

NAFCU Final Rule Summary

NAFCU Final Rule Summaries

NAFCU Final Rule Summary - Clarification on Final Rules

NAFCU Final Rule Summaries

NAFCU Final Rule Summary - Amendments to Regulation X, Regulation Z and Regulation B
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

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

End of Year Regulatory Compliance Update
On-Demand Webcast Available Until November 14, 2014

NAFCU Compliance Blog

Mortgage Servicing blog posts

NAFCU Compliance Article

"NCUA Releases Helpful Resources for Credit Unions with New CFPB Mortgage Rules"

NAFCU Compliance Article

"Understanding the Small Servicer Exemptions"

NAFCU Compliance Article

"Mortgage Servicing: Error Resolution and Information Request Procedures"

NAFCU Conference session

NAFCU 2013 Regulatory Compliance Seminar Online | Presented Live October 22 – 25, 2013
This conference covered the latest challenges and changes in credit union rules and regulations, including updates on the full scope of the CFPB's new mortgage requirements. (On-demand courses available for purchase).

 

Loan Originator Compensation & Qualifications 

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

NAFCU Conslidated Regulatory Text Documents

Consolidated Regulatory Text
All rule additions and amendments in one document, as the final rule will appear in January.

NAFCU Final Rule Summaries

NAFCU Final Rule Summary

NAFCU Final Rule Summaries

NAFCU Final Rule Summary - Amendments to Regulation X, Regulation Z and Regulation B
Scope & Applicability Chart

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

NAFCU Webcast

End of Year Regulatory Compliance Update
On-Demand Webcast Available Until November 14, 2014

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 Conslidated Regulatory Text Documents

Consolidated Regulatory Text
All rule additions and amendments in one document, as the final rule will appear in January.

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

End of Year Regulatory Compliance Update
On-Demand Webcast Available Until November 14, 2014

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 Conslidated Regulatory Text Documents

Consolidated Regulatory Text
All rule additions and amendments in one document, as the final rule will appear in January.

NAFCU Final Rule Summaries

NAFCU Final Rule Summary

NAFCU Final Rule Summaries

NAFCU Final Rule Summary - Clarification on Final Rules

NAFCU Final Rule Summaries

NAFCU Final Rule Summary - Amendments to Regulation X, Regulation Z and Regulation B
Scope & Applicability Chart

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

NAFCU Webcast

End of Year Regulatory Compliance Update
On-Demand Webcast Available Until November 14, 2014

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 Conslidated Regulatory Text Documents

Consolidated Regulatory Text
All rule additions and amendments in one document, as the final rule will appear in January.

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

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

NAFCU Webcast

End of Year Regulatory Compliance Update
On-Demand Webcast Available Until November 14, 2014

NAFCU Compliance Blog

HOEPA/High-Cost Mortgage Loans blog posts

NAFCU Compliance Article

"NCUA Releases Helpful Resources for Credit Unions with New CFPB Mortgage Rules"

NAFCU Compliance Article

"New Homeownership Counseling Disclosure Requirement"

 

TILA/RESPA Integrated Mortgage Disclosures

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Compliance Deadline: August 1, 2015

NAFCU Conslidated Regulatory Text Documents

Consolidated Regulatory Text
All rule additions and amendments in one document, as the final rule will appear in January.

NAFCU Final Rule Summaries

NAFCU Final Rule Summary
Scope & Applicability Chart

Scope & Applicability Chart: TILA/RESPA Disclosures

NAFCU Webcast

TILA/RESPA Series: Part 1 – An Overview
On-Demand Webcast Available Until February 26, 2015

NAFCU Compliance Article

"NCUA Releases Helpful Resources for Credit Unions with New CFPB Mortgage Rules"

NAFCU Compliance Article

"TILA/RESPA Integrated Mortgage Disclosure Rule: Overview"