
Michael R. Christians
Courses run by Michael R. Christians
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How To Avoid Common TRID Errors: Compliance Roadmap
The TILA/RESPA Integrated Disclosure (TRID) rule has been in effect for almost 6 years. The enormity of this federal disclosure requirement causes most financial institutions to still encounter pitfalls in its implementation, often missing key provisions. Regulatory compliance counselΒ Michael Christians...
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Cannabis Banking 101: Fundamentals, Legalities, and Limitations
Compliance Requirements in the Cannabis Banking Industry. Explore the Fundamentals, Compliance, and Limitations In an industry known for its fast-paced changes. While it remains illegal under federal law to manufacture, distribute, or dispense marijuana, many states have legalized it for...
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Flood Insurance Compliance
Loans in Areas Having Special Flood Hazards. Strengthening Compliance with Federal Flood Insurance Requirements Lending institutions must notify borrowers and servicers of special flood hazards for loans in FEMA-identified areas. Before originating a loan secured by a property located in...
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The Real Estate Settlement Procedures Act and Regulation X
Financial professionals need to understand thoroughly how federal laws govern the lending process. To provide the details you need, BankersWeb has created our Alphabet Regulations Lending Series webinars.The Real Estate Settlement Procedures Act (RESPA) dictates lending practices that inform and...
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Fair Credit Reporting: How To Adhere To Regulation V And Avoid CFPB Scrutiny
Does the CFPB Agree That You Comply With Regulation V? Learn How to Follow the Fair Credit Reporting Act Carefully. You need to ensure that you are adhering fully to Regulation V, which imposes various requirements on financial institutions. This...
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Updated Mortgage Transaction Reporting Thresholds (Details Of Regulation C)
Follow updated mortgage transaction reporting thresholds. Explore recent CFPB guidance relating to Regulation C. Congress enacted the Home Mortgage Disclosure Act (HMDA) to identify discriminatory lending patterns and practices. Implemented by Regulation C, this law requires financial institutions to collect...
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The Truth In Lending Act: Steps To Implement Regulation Z Changes
Explore Proposed Qualified Mortgage and Ability to Repay Requirements: Prepare for Regulation Z Changes. The Truth in Lending Act promotes the informed use of consumer credit by prescribing disclosures about loan terms and costs. Implemented by Regulation Z, this law...
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Updated Requirements For Funds Availability (Details Of Regulation CC)
When Are Deposited Funds Available? Discover Regulation CC Updates for Expedited Funds Availability. The Expedited Funds Availability Act regulates how financial institutions may use deposit account holds. Implemented by Regulation CC, this law standardizes the length of time banks and...
On-Demand