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BEGIN:VEVENT
DESCRIPTION:Webinar: Escrow Rule Changes for High-Priced Mortgages: Deadlin
 e June 1\, 2013\, Including January 2014 HOEPA Rules The CFPB has issued a
  final rule that amends Regulation Z (Truth in Lending) under the Dodd-Fra
 nk Act. Although many more mortgage-related changes are expected\, the esc
 row rule change deadline is coming quickly. Effective June 1\, 2013\, ther
 e will be new requirements for mandatory escrow accounts established for f
 irst-lien\, higher-priced mortgage loans secured by a principal dwelling. 
 These amendments extend the length of mandatory escrow\, but also exempt c
 ertain transactions. Then\, effective January 10\, 2014\, further amendmen
 ts to Truth in Lending are related to an expansion of the types of mortgag
 e loans that are subject to the protections of the Home Ownership and Equi
 ty Protection Act (HOEPA). This will include additional restrictions on mo
 rtgages. Don’t miss this must-attend session. (Please note: Although part 
 of the new mortgage servicing rules do not apply to financial institutions
  that service less than 5\,000 real estate loans annually\, the escrow and
  HOEPA rules covered during this webinar apply to all real estate loans. T
 he new servicing rules will not be addressed during this program.) HIGHLIG
 HTS Escrow Definition of higher-priced mortgage When do escrow requirement
 s take effect? Rules and timing regarding mandatory escrow Exemptions from
  the new requirements HOEPA What loans fall under the new HOEPA requiremen
 ts Loans exempt from the requirement An explanation of the thresholds by r
 ate and dollar amount that fall under HOEPA What loan features will be pro
 hibited TAKE-AWAY TOOLKIT Sample language for a consumer fact sheet explai
 ning HOEPA changes in lay terms Sample consumer fact sheet for escrow requ
 irements Training “cheat sheet” for lending staff to better understand the
  changes WHO SHOULD ATTEND? This informative session is designed for loan 
 officers\, all lending personnel\, compliance officers\, and auditors. ABO
 UT THE PRESENTER – Ann Brode\, Brode Consulting Services\, Inc. Ann Brode 
 began her career in 1973 and has continued her service as a consultant to 
 regional and community financial institutions through a wide range of area
 s including strategic planning\, lending\, deposits\, marketing\, training
 \, compliance\, and management. Ann is a well-respected presenter and has 
 spoken to audiences across the country for over 25 years. She has presente
 d sessions for numerous state associations and has taught at the School of
  Banking Administration at the University of Wisconsin as well as many oth
 er state banking schools. Ann is the author of The Bank Deposit Documentat
 ion Manual for Front-Line Personnel\, published by Bankers Publishing Comp
 any\, and is well represented in numerous industry publications. PLEASE NO
 TE: Your registration fee allows you to have one telephone connection. How
 ever\, as many people as you like may listen from your office speaker phon
 e. If you register for the webinar\, your registration fee also includes o
 ne internet connection from a single computer terminal. THREE REGISTRATION
  OPTIONS 1. LIVE WEBINAR The LIVE WEBINAR option allows you to have one te
 lephone connection for the audio portion and one Internet connection (from
  a single computer terminal) to view online visuals as the presentation is
  delivered. You may have as many people as you like listen from your offic
 e speaker phone. Registrants receive a toll-free number and pass code that
  will allow entrance to the seminar. The session will be approximately 90 
 minutes\, including question and answer sessions. Seminar materials\, incl
 uding instructions\, pin number\, and handouts will be emailed to you prio
 r to the broadcast. You will need the most current version of Adobe Reader
  available free at www.adobe.com. 2. ON-DEMAND WEB LINK** AND FREE CD ROM*
  Can't attend the live webinar? The ON-DEMAND WEB LINK** is a recording of
  the live event including audio\, visuals\, and handouts. We even provide 
 the presenter's email address so you may ask follow-up questions. Approxim
 ately 1 week prior to the webinar\, you will receive an email with the web
  link. This web link can be viewed anytime 24/7\, beginning 6 business day
 s AFTER the webinar and will expire 6 months after the live program date. 
 But there's more . . . AS AN ADDED BONUS\, you will also receive a FREE au
 dio/visual CD ROM.* The CD ROM includes the original audio/visual presenta
 tion\, the question and answer sessions\, and the handouts. Use the on-dem
 and link or this "off-the-shelf" training program for those that could not
  attend the live seminar and for future training. 3. BOTH LIVE WEBINAR AND
  ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*) Includes options 1 and 2 abo
 ve *CD Rom for PC use only **All materials are subject to copyright and in
 tended for your credit union's use only. NEW! Listen on your iPad\, iPhone
 \, or Android. Instructions will be emailed to you with the on-demand link
 . INVESTMENT: $199.00 Webinar per connection $199.00 Archived On-Demand We
 b Link &amp\; Free CD ROM $249.00 Both Live Webinar &amp\; Archived On-Dem
 and Web Link &amp\; Free CD ROM TIME: 3:00 p.m. - 4:30 p.m. To register an
 d pay by check\, email Mary Zelinsky at mzelinsky@njcul.org and your credi
 t union will be invoiced. To register and pay online\, click here.
DTEND;TZID=Eastern Standard Time:20130408T163000
DTSTAMP:20130519T072836
DTSTART;TZID=Eastern Standard Time:20130408T150000
LOCATION:
SEQUENCE:0
SUMMARY:> Webinar: Escrow Rule Changes for High-Priced Mortgages: Deadline 
 June 1\, 2013
UID:c8b32e4c-1388-4977-809d-23d6a4ab5cf0
URL:http://www.njcul.org/-webinar-escrow-rule-changes-for-high-priced-mortg
 ages-deadline-june-1-2013-2013-04-08.aspx
END:VEVENT
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