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Lexis Nexis The TILA-RESPA Disclosure Integration Manual: A Guide to Implementing the CFPB DI Rule
The TILA-RESPA Disclosure Integration Manual provides the information you need for implementing TILA-RESPA disclosure integration; includes details of how the new Rule affects application processing; explanations of the new Loan Estimate and Closing Disclosure forms; and charts covering the loans to which the new Rule applies.
Publisher: Matthew Bender Elite Products
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In one place, the TILA-RESPA Disclosure Integration Manual provides all the information you need for implementing TILA-RESPA disclosure integration, including:
• Details of how the new Rule affects application processing, e.g., pre-loan estimates, preapprovals, fee collection, verification of information, timing of Loan Estimates and Closing Disclosures (and "business day" rules), and listing of settlement service providers, which will ensure you develop and maintain effective business operations for your clients.
• Explanations of the new Loan Estimate and Closing Disclosure forms, page-by-page, table-by-table, and item-by-item, which will save valuable drafting time.
• Short examples that illustrate aspects of the TILA-RESPA Disclosure Integration Rule, which will ensure you have a good understanding of how to comply with the new requirements.
• Charts covering the loans to which the new Rule applies; new rounding rules; and the disclosures required before and after the new Rule. These charts will ensure your clients' timely and accurate compliance with the new Rule.
• Slide-ready summaries for presentations, which will help you train and explain the new Rule to your lending teams.
Authors / Contributors
James H. Pannabecker
James H. Pannabecker
James H. Pannabecker writes from Natural Bridge Station, Virginia and focuses on banking law and regulatory compliance. Mr. Pannabecker formerly was a senior vice president and general counsel of Citicorp Mortgage, Inc., where he managed the provision of legal services for the nationwide origination of mortgage loans through Citicorp's affiliated first mortgage lenders. Before joining Citicorp, Mr. Pannabecker served as in-house counsel to Maryland National Bank; First Virginia Banks, Inc.; and First American Mortgage Group. He also is a former Professor of Practice at the Washington & Lee University School of Law.
Mr. Pannabecker is the author or coauthor of numerous publications in the areas of truth in lending, real estate settlement procedures, equal credit opportunity, community reinvestment, home mortgage disclosure, and banking law. His most recent book, 2018 Home Mortgage Disclosure Act Manual, is now available from LexisNexis. Other publications include Truth-in-Lending Manual: Text and Forms; Practical Guide to the Wall Street Reform and Consumer Protection Act: Understanding and Implementing Changes Under the Dodd-Frank Act; The RESPA Manual: A Complete Guide to the Real Estate Settlement Procedures Act; Mortgage Lending Compliance with Federal and State Guidance; Mortgage Lenders Model Compliance Manual: Policies, Forms, and Checklists; Banking Law Digest; The Law of Electronic Fund Transfer Systems; and The TILA-RESPA Disclosure Integration Manual: A Guide to Implementing the CFPB's 2015 Disclosure Integration Rule. He also writes two monthly newsletters, The Banker's Letter of the Law and Compliance Examinations Update for Financial Institutions.
Table of Contents
Chapter 1: Introduction
Chapter 2: Executive Summary
Chapter 3: Definition of Application
Chapter 4: Scope and Coverage
Chapter 5: New Forms—Loan Estimate and Closing Disclosure
Chapter 6: Special Information Booklet
Chapter 7: Other Changes
Chapter 8: Loan Estimate— Page One
Chapter 9: Loan Estimate—Page Two
Chapter 10: Loan Estimate— Page Three
Chapter 11: Closing Disclosure—Page One
Chapter 12: Closing Disclosure—Page Two
Chapter 13: Closing Disclosure—Page Three
Chapter 14: Closing Disclosure—Page Four
Chapter 15: Closing Disclosure—Page Five
Chapter 16: Twists And Turns: News for Nerds
Chapter 17: Implementation Checklists
