When Is An App An App?


Presented by: Jack Holzknecht

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Recently Jack had a call from a very confused banker. She was trying to clarify when action was required under Regulation B (ECOA), Regulation C (HMDA), Regulation X (RESPA), and Regulation Z (TILA). These are topics that he has worked with for decades and understands well, but by mid-call she had him spinning. So he called a time out and they went back and reviewed basic definitions and got it all worked out.

That is what Jack does in this program - review basic definitions and rules to eliminate confusion on the topic of when a mortgage loan application is an application.

Upon completion of this program, participants understand:
  • The definitions of the term "application" for purposes:
  • Regulation B;
  • Regulation C;
  • Regulation X; and
  • Regulation Z.
  • The definitions of "preapproval" and "prequalification"; and
  • Actions are required by each regulation when an application for a mortgage loan is received.
Participants receive a detailed manual that serves as a handbook long after the program is completed

This two-hour program:
  • Explains the definitions and rules;
  • Explains the disclosures required and the timeframes within which the disclosures must be given; and
  • Includes tables and charts to make compliance easy.
The program is designed for loan originators, loan officers, lending assistants, compliance officers and auditors.

About the Speaker: Jack Holzknecht is a principal with Pegasus Educational Services, LLC. He has been delivering the word on lending compliance for 36 years. In 31 years as a trainer over 100,000 bankers (and many examiners) have participated in Jack's live seminars and webinars. Jack's career began in 1976 as a federal bank examiner. He later headed the form, software and education divisions of a regional consulting company. There he developed loan and deposit form systems and software. He also developed and presented training programs to bankers in 43 states. Jack has been an instructor at compliance schools presented by several state bankers associations. He developed and delivered compliance training for the FDIC and OTS for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association. He is also a "BOL Guru" at http://www.bankersonline.com.

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CD-ROM includes:
  • Complete presentation (including slides and audio)
  • Written Materials
  • Follow-up Q & A
You have the right under this license agreement for this CD-ROM to use this presentation on a single-workstation. Use on a network is in violation of the copyright agreements. CD may be used by multiple users at a given institution but may not be placed on a network or in any other multi-user environment.

This program was recorded in its entirety in May 2012. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_app0512
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Friday 16 March, 2012.

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