Frontline Compliance

  • Americans with Disabilities Act (ADA)
  • Bank Bribery Act
  • Bank Protection Act
  • Banking Law and Referrals
  • BSA/AML: CIP Advanced
  • BSA/AML: CIP Basics
  • BSA/AML: Communicating with Customers about CTRs
  • BSA/AML: Completing the CTR
  • BSA/AML: Complying with the BSA
  • BSA/AML: Exempting Customers from CTR Reporting
  • BSA/AML: Overview
  • BSA/AML: Recordkeeping – Wires, Money Orders, and other Challenges
  • BSA/AML: Reporting
  • BSA/AML: Risk Assessment and Customer Due Dilligence
  • BSA/AML: SAR Reporting
  • BSA/AML: USA PATRIOT Act
  • Community Reinvestment Act (Reg BB)
  • Elder Financial Abuse
  • Electronic Fund Transfer Act — Reg E
  • Equal Credit Opportunity Act — Reg B
  • Expedited Funds Availability Act — Reg CC
  • Extending Credit to Bank Insiders — Reg O
  • Fair Credit Reporting Act (FCRA)
  • Fair Debt Collection Practices Act
  • Fair Housing Act
  • Fair Lending
  • FDIC Insurance Coverage
  • Flood Disaster Protection Act
  • Home Mortgage Disclosure Act (HMDA)
  • Homeowners Protection Act
  • Information Security and Red Flags
  • Office of Foreign Assets Control (OFAC)
  • Privacy for Customer Contact Personnel
  • Real Estate Settlement Procedures Act (RESPA)
  • Recognizing and Preventing UDAAP
  • Reg Z Adjustable Rate Mortgages
  • Reg Z Advertising
  • Reg Z Credit Cards
  • Reg Z HELOCs (Open-End Credit)
  • Reg Z HOEPA and High-Cost Mortgage Loans
  • Reg Z Installment and Home Equity Loans (Closed-End Credit)
  • Reg Z Mortgages (Closed-End Credit)
  • Reg Z Non Home Secured (Open-End Credit)
  • Reg Z Overview
  • Reg Z Private Higher Education Loans
  • Reg Z Reverse Mortgages
  • Reg Z Right of Rescission
  • Reserve Requirements (Reg D) for Depository Institutions
  • Robbery and Bank Security
  • Serving Your Military Customer
  • Sexual and Workplace Harassment
  • Sexual and Workplace Harassment for Managers
  • The Consumer Remittance Rule
  • The S.A.F.E. Act – Secure and Fair Enforcement for Mortgage Licensing Act
  • Truth in Savings Act — Reg DD
  • Unlawful Internet Gambling Enforcement Act
  • TILA-RESPA Integrated Disclosures
  • Good Faith Estimate and HUD-1
  • Quick Links

    Reg Z HOEPA and High-Cost Mortgage Loans

    Reg Z HOEPA and High-Cost Mortgage Loans

    SELF-PACED ONLINE COURSE: ABA ELEARNING

    Price: $95 members; $130 non-members

    Member Online Enrollment | Non-Member Online Enrollment
    This course is also available at discounted prices under an annual license.  Call or email for details.  This course is available to ABA Member banks at no cost under a license agreement.
    Updated: Sept. 2013
    Course Description:  Reg Z HOEPA and High-Cost Mortgage Loans describes the characteristics of mortgage loans subject to either the HOEPA or the HPML requirements of Regulation Z. The course explains the underwriting standards, timing and disclosure requirements, escrow, and servicing requirements. It also explains the penalties for violations of these sections of Regulation Z. 

    Audience:  All branch personnel responsible for taking consumer mortgage loan applications.

    Learning Objectives:  After completing this course, students will be able to:
    • Identify the disclosures required and what they include
    • Describe the features that are banned from high-rate, high-fee loans
    • Examine the impact of new laws and regulations that protect consumers against abusive lending practices
    • Recognize a HOEPA and a HPML loan based on price and type of loan
    • Describe the three new special compliance requirements
    • Identify the consequences for not complying with the new Reg Z rules
    Prerequisites: Reg Z Overview
    Course Credit:  ICB: 1.0 CLBB, CRCM
    The Nebraska Bankers Association is a Local ABA Training Provider.
    For More Information Contact:

    Joanne Smith
    Education and Member Information Coordinator

    Nebraska Bankers Association / 233 South 13th Street, Suite 700 / PO Box 80008 / Lincoln, NE 68501-0008