Mortgage Regulatory Compliance Training

Advertising is one of the most important aspects of the mortgage business and it is essential that mortgage loan originators know and understand all the rules and laws that pertain to advertising so that they always remain in compliance. In this course, we will start with the basics of what is considered advertisement, and transition discuss all of the federal laws surrounding advertising from TILA, MAP, ECOA, and UDAAP. By the end of this 30-minute course, the student will have had a crash course in federal advertising law and be able to apply the information to social media and other advertising.

The Ability to Repay Rule and the Qualified Mortgage Rule work hand in hand to help ensure borrowers can repay their loan and are in safe and sound loan products. In this course, we will be discussing the eight underwriting criteria under Ability to Repay. Students will also be able to define and explain what a Qualified Mortgage is and how it is defined including when a rebuttable presumption or safe harbor exist on a loan.

This course fulfills the requirement for annual training on BSA/AML under the law. IN this course, students will learn the basics of what is required under BSA/AML, including when a Suspicious Activity Report (SAR) must be filed. We will also discuss current trends and changes with BSA/AML policy and things that students need to be aware of could be mechanisms for money laundering.

The Fair Credit Reporting Act was passed to address a growing credit reporting industry in the US that compiled consumer credit reports and investigative consumer reports on individuals. In this course, we are going to discuss the requirements under the Fair Credit Reporting Act (FCRA) including conversation about credit reporting agencies, risk-based pricing, adverse actions under FCRA, the Fair and Accurate credit Transaction Act (FACTA) and the Disposal Rule.

For more than 30 years, federal law required lenders to provide two different disclosure forms to consumers applying for a mortgage, until the TILA-RESPA Integrated Disclosure Rule went into effect in 2015. This course will discuss the history of TRID and the requirements under TRID, including conversation on fee tolerances, intent to proceed, exceptions to TRID, and disclosure timeframes.

In today’s mortgage industry, Unfair, Deceptive, Abusive Acts and Practices (UDAAP), is an evolving and ever present issue. The CFPB regularly issues enforcement action indicating a UDAAP has occurred. This course will dive into the definitions of Unfair, Deceptive and Abusive and discuss examples and how to avoid UDAAPs.

IN this course, we will discuss the Fair Debt Collections Protection Act or FDCPA. In this course, we are going to talk about the Fair Debt Collection Practices Act, or FDCPA. We will touch on the history of the FDCPA, who must follow the FDCPA, the requirements and prohibited acts under the FDCPA.

There are many facets to the Equal Credit Opportunity Act (ECOA), in this course, we are diving directly into the Notice of Adverse Action. IN this course, we will touch on the purpose and protected classes under ECOA, the requirements for adverse action notifications, including common violations of the adverse action requirements and how the ECOA requirements differ from FCRA’s requirements.

There is always a focus on Section 8 when we talk about the Real Estate Settlement Procedures Act (RESPA)but in this class, we will discuss everything else under RESPA. In this course, we will touch on what the purpose of RESPA is, when RESPA applies, the Good Faith Estimate and HUD-1 Settlement statements and when they are still used post-TRID, RESPA Section 9, escrow account requirements, and servicing requirements.

The Real Estate Settlement Procedures Act has a lot of different moving parts but the most talked about part is often Section 8. We decided to devote an entire class to dissecting and discussing Section 8. In this course, mortgage professionals will be armed with the tools to understand and avoid RESPA section 8 violations.

The Secure and Fair Enforcement Act or SAFE Act was passed for many reasons, a major one being to streamline the licensing process for mortgage professionals. In this course, we will dive into the requirements under the SAFE act including conversations on: important definitions, licensing requirements, temporary authority and renewal requirements

A single error in a credit report or failure to spot suspicious activity could result in major consequences for your clients and regulatory trouble for you. That’s why mortgage professionals need to be well-versed in consumer data protection laws like the Fair and Accurate Credit Transactions Act (FACTA) and the Red Flags Rule. In this course, you will learn how to detect and prevent identity theft, correct credit errors, and implement a written Identity Theft Prevention Program. This course aims to help you protect your clients and your business by mastering federal data protection and compliance standards in the mortgage industry.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

Get a clear understanding of the Loan Originator Compensation Rule (LO Comp Rule) under Regulation Z of the Truth-in-Lending Act with this online course. You’ll learn how to identify compliant compensation structures, avoid prohibited practices, and implement effective recordkeeping. Topics include compensation definitions, key provisions, ethical pay standards, and record retention requirements, so you can stay compliant, minimize risk, and uphold borrower trust.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

Incomplete or inaccurate HMDA reporting can trigger audits and signal discriminatory lending practices, putting your license and reputation at risk. In this course, mortgage loan originators will explore the Home Mortgage Disclosure Act (HMDA) and Regulation Z under the Truth-in-Lending Act. You’ll learn how these laws promote transparency, protect borrowers, and guide ethical lending. Topics include HMDA reporting, the Loan/Application Register (LAR), recent rule changes, and borrower protections under Regulation Z.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

If you're making calls or sending texts as a mortgage loan originator, the Telephone Consumer Protection Act (TCPA) is a legal boundary you can’t afford to ignore.
In this course, you'll get a clear, practical overview of the TCPA and how it applies to your daily outreach efforts. You’ll learn what constitutes a violation, how to properly manage and honor the Do-Not-Call list, and how TCPA rules apply to text messaging and prerecorded calls. The course also covers who’s exempt from certain provisions and what your recordkeeping responsibilities are.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

This course is designed for mortgage professionals wanting to learn more about cybersecurity and the requirements under federal law. This course discusses the Gramm-Leach-Bliley Act (GLBA) and the privacy requirements under GLBA, specifically discussing the Safeguards and Pretexting Rule. We will also discuss, briefly, some of the more common cybersecurity threats in today’s world, including phishing, and ransomware.

This tackles cybersecurity when the mortgage professional works from home. The COVID-19 pandemic brought a lot of changes, one of the big changes is that many states now allow mortgage professionals to work from home. Working from home can make cybersecurity more of an issue. In this course we will be discussing the things mortgage professionals should be doing at home to ensure continued safety of borrower’s information.

In this course, we will be discussing social engineering tactics. This course will dive into social engineering, what it is, how it happens and what types of acts are considered social engineering. We will be discussing things like phishing, vishing, smishing, scareware, whaling and more. The discussion will also surround what can be done to protect borrowers information from these types of attacks.

Ransomware is a new and evolving type of cyberattack that keeps getting smarter. IN this course, we are going to talk specifically about ransomware: what it is, how it works, and what can be done to protect against ransomware attacks.

This course is designed for mortgage professionals wanting to learn more about cybersecurity and the requirements under federal law. This course discusses the Gramm-Leach-Bliley Act (GLBA) and the privacy requirements under GLBA, specifically discussing the Safeguards and Pretexting Rule. We will also discuss, briefly, some of the more common cybersecurity threats in today’s world, including phishing, and ransomware. This course also tackles the New York Cybersecurity Regulation and the requirements under it.

This cybersecurity course is specifically designed for managers and goes into a deeper dive than our 101 course. This course will touch on cyber-readiness and how to better equip the mortgage company to avoid a cyber incident. The course will go into the things that should be on the manager's radar and the good compliance practices that can assist in creating a good cyber defense.

The Gramm-Leach-Bliley (GLB) Safeguards Rule requires financial institutions to take real, proactive steps in keeping client data secure. A single oversight can lead to costly fines, reputational damage, and regulatory scrutiny.
This course helps mortgage loan originators understand exactly what’s required under the GLB Safeguards Rule and the broader scope of the Gramm-Leach-Bliley Act. You’ll explore how to identify consumer and customer relationships, define and handle nonpublic personal information (NPI), and implement key components of an effective information security program.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

The main purpose of the Equal Credit Opportunity Act (ECOA) is to prevent discrimination in the mortgage industry, this course will also dive into conversation on two other fair lending laws: The Fair Housing Act and the Home Mortgage Disclosure Act (HMDA). This is a great refresher course on what purpose of these laws and the discriminatory practices that they are trying to stamp out. We will also provide some definitions on important fair lending terms like: disparate treatment and impact, as well as redlining and reverse redlining.

In today’s mortgage industry, fraud remains a problem. In this course, we will dive into what fraud is and how it’s classified into categories. This course will also go into the more common fraud schemes seen in the mortgage industry, including things like illegal property flipping, equity skimming, air loans, reverse mortgage schemes and more. The course will also discuss some general red flags that can appear on transactions containing fraud. Once the student has completed this course, they’ll have a basic understanding of fraud and common fraud schemes

This course is all about consumer complaints. In this course, we will discuss how mortgage complaints filed with the CFPB are handled including conversation on risks associated with complaints, complaint resolutions, the complaint handling process, why a consumer might file a complaint and what the CFPB requires of companies when dealing with a consumer complaint.

Elder abuse is an intentional act or failure to act that causes or creates a risk of harm to an older adult and continues to be a growing problem in and out of the mortgage industry. IN this course, we will define elder abuse, discuss the ways that elder abuse happens, list red flags of elder abuse and describe examples of elder abuse. We will also discuss some best practices that mortgage professionals should have in place to ensure that their elderly borrowers are not being abused.

Discriminatory lending practices like redlining undermine public trust and restrict access to credit for entire communities. Understanding how redlining occurs, and how to prevent it, is essential to ethical and compliant lending. This online course aims to help mortgage loan originators understand and prevent redlining. Learn to recognize discriminatory lending patterns, comply with fair lending laws, and align with compliance management plans. Explore key topics like the history of redlining, REMA/MSA analysis, self-testing methods, and strategies for community outreach. By the end of the course, you’ll be better prepared to promote fair lending practices and minimize regulatory risk.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

Unethical behavior can trigger costly legal action, damage a lender’s reputation, and erode consumer confidence. This course helps mortgage professionals understand how ethical missteps can impact clients, colleagues, and the broader financial landscape. Through real-world examples and regulatory insights, you'll explore the role of ethics in decision-making, legal compliance, and day-to-day operations. By the end of the course, you’ll learn how to identify gray areas, apply ethical reasoning, and build a personal code of conduct that aligns with both industry expectations and consumer protections.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

As more older adults explore home financing options, it's important that mortgage professionals are prepared to guide and protect them with care, clarity, and ethical responsibility. While many seniors manage their finances independently, age-related factors can sometimes make them more susceptible to undue influence or complex lending risks.
This course is designed to help you recognize signs of potential financial exploitation, understand the safeguards in place to protect senior clients, and navigate the sensitive dynamics that may arise during mortgage transactions. You’ll also gain deeper insight into the regulatory landscape and specific challenges associated with reverse mortgages. By the end of the course, you’ll be better equipped to support the financial well-being of senior borrowers and uphold ethical lending practices across all age groups.
This course is offered by My Mortgage Trainer. My Mortgage Trainer is now part of Mortgage Educators and Compliance (MEC).

Sexual harassment is a form of sex discrimination that violates Title VII of the Civil Rights Act of 1964. In this course, we discuss what is sexual harassment, who commits sexual harassment, and how victims can recover remedies for sexual harassment.

This course is specifically for managers about how to deal with situations of sexual harassment in their departments. This course is more in-depth than our general sexual harassment course. In addition to conversations on what sexual harassment is, how it happens, who commits it, we will also talk about the liability of sexual harassment and things that are not considered sexual harassment.

Disaster planning includes taking precautions and preventive measures prior to a disastrous event and planning for recovery after the disaster. In this course we are going to talk about building a disaster resiliency and recovery plan.