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Articles about TILA-RESPA


Residential | February 2017 
Fixing TRID's Catch-22 Rules
It’s been more than a year since the effective date of the TRID consumer-disclosure rules, and a lingering fear of violating its requirements still remains for many mortgage professionals. ...
By Holly Spencer Bunting, partner, Mayer Brown

Residential | November 2016 
Nightmare Scenario for Compliance
Imagine a world where mortgage originators are constantly issuing second or third Closing Disclosures (CDs) to borrowers because of fee adjustments, with each fee change triggering TRID rules requirin...
By Janice Minchenberg, director of implementation management, Digital Risk

Residential | October 2016 
Scanning for TRID Risks
With the one-year anniversary of the implementation of the TILA-RESPA Integrated Disclosure (TRID) rules upon us, the mortgage industry is still grappling with the broad-sweeping changes this piece of...
By Phil McCall, chief operating officer, ACES Risk Management Corp.

Residential | October 2016 
Simplifying Technology Is Hard
Young mortgage originators probably don’t remember a time when they didn’t have access to a loan-origination software (LOS) system. Just 25 years ago, however, loans were still being originated on typ...
By Doug Chang, founder and CEO, Calyx Software

Residential | July 2015 
Open Your Mind to New Regulations
Editor’s Note: In the time since this article was written and published, the Consumer Financial Protection Bureau (CFPB) has changed the effective date for TRID. The new effective date is Oct. 3. ...
By Daniella Casseres, attorney, Offit Kurman PA’s financial institutions-compliance practice group

Residential | June 2015 
Rip off the Compliance Bandage
The mortgage world is changing. The new integrated disclosure rules going into effect in two months mean that loans you process as of Aug. 1 will face vastly different disclosure rules than loans you ...
By Melissa Kozicki, director of compliance, Mortgage Builder Software division of Altisource

Residential | June 2015 
If you thought the U.S. Department of Housing and Urban Development (HUD) caused chaos when it updated the Good Faith Estimate (GFE) and HUD-1 forms in 2010, just wait until August. That’s when the TI...
By Shanon M. Lake-Catello, chief technology officer, Commonwealth USA Settlements LLC

Residential | September 2003 
HUD Fortifies the RESPA Enforcement Division
For over a decade, the Department’s RESPA staff has focused on regulatory issues and the proposal of new RESPA rules to benefit consumers by encouraging settlement service providers to make early disc...
By Phillip Schulman, attorney, Kirkpatrick & Lockhart LLP

Residential | June 2003 
Working Around RESPA’s YSP And GMPA
As mortgage brokers, we work in an environment that is becoming more and more disadvantageous to us.  “They’re Stacking the Deck Against Us” was the title of an article I wrote for the NAMB Broker mag...
By Michael Knight, Founder & CEO, Vanguard National Mortgage & Title, Inc

Residential | May 2003 
HUD’s RESPA Proposal Faces Tough Questions on Capitol Hill
HUD Secretary Mel Martinez had a busy March on Capitol Hill, touting both his proposed fiscal 2004 budget and increasingly, defending his department’s proposed reform of the Real Estate Settlement Pro...
By Mike Sorohan, Editor, MBA Newslink

Residential | March 2003 
Big Banks Will Win With New Mortgage Regulations
By now, any self-respecting mortgage broker has heard about HUD’s proposed changes to the RESPA regulations.  While well intended as a way to simplify and de-mystify the mortgage process, the changes ...
By Ted Grose, president, California Association of Mortgage Brokers

Residential | February 2003 
Options for Your Continued Success Preparing for the Changing Economy and RESPA
Stop and Face the Real ConsequencesIf you’re the typical, successful broker, you’re racing to respond to all your new clients and prospects in the waiting. The residential and secondary loan markets i...
By Richard C. Reimer, CCIM, president, Mortgage Industry Consultants

Residential | August 2004 
Compliance: From A to Z
Compliance: From A to Z is a series of monthly articles by James Russell in Scotsman Guide intended to educate mortgage originators on consumer compliance issues. The series will go beyond the super...
By James D. Russell, CPA, managing partner, MTG Consult

Residential | March 2004 
When is an Application Really an Application?
When is an application really an application?  I wish it was easy.  Unfortunately, different regulations have different definitions for “application”.  And these differing definitions have different i...
By James D. Russell, CPA, managing partner, MTG Consult

Residential | November 2005 
Toe-MAY-toe, Toe-MAH-toe
When faced with a commercial loan, many residential brokers think, “It’s too complicated”; “It takes too long”; “I won’t make enough for the work I’ll have to do”; or “I don’t want to crunch numbers...
By Kim Daugherty, senior account executive, KC Capital


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