2019 FIC 3-Day Workshop September 11 - 13 San Antonio Riverwalk! RRELC-2019

OR receive a FREE Registration when you enroll in "Boot Camp 360!" for only $2197 for one-full year! ...Learn More
$997.00 each Out of stock

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$997 First Registration (Free when you purchase Boot Camp 360)

$697 Each Additional Registration by calling FIC 210-493-1761

OR receive one FREE Registration when you enroll in "Boot Camp 360!" for only $2197 which includes 24 Training Presentations immediately available to your entire staff for one-full year!

2019 FIC 3-Day Workshop


September 11, 12, 13, 2019 – San Antonio, TX

Embassy Suites Riverwalk

125 E. Houston Street - San Antonio, TX  78205 - 210.226.9000

$179 Room Block Expiration 8/1/2019
Rate includes Cook to Order Breakfast (6a-10a) 
& Managers Reception (5:30p-7:30p)
Guests must cancel reservations 7 day prior to arrival 
To avoid a one night room and tax charge. No-show fees 
May be charged and to avoid early departure fees please 
Advise the hotel at check in that the length of stay has changed
 Parking (per day): 
Valet: $30+ tax per 24 hours with in/out privileges and $15 inclusive of tax for event/day parking (based on availability) no in/out privileges

Roll Back Relief will effect several Regulatory Requirements for Mortgage Lending including but not limited to:
    Ability to Repay & Qualified Mortgages
    Exemptions from Certain Appraisal Requirements
    HMDA Changes
    Escrow Requirements
    TRID Rule Changes
… and more!

Our agenda will incorporate the latest changes and expectations due to this “Regulatory Rollback” – Join us for our 3-Day Workshop in Downtown San Antonio! Some items on the agenda may be moved around when coordinating with speakers and content.

Registration is limited to the first 100 so if you are planning to attend, you must act now to guarantee your registration!



8:30am - Registration - Meeting Room will have beverages only.  Full Cook to Order Breakfast is included with every room reservation 6am - 10am

DAY 1 

9:00am - 10:30am – Re-Designed URLA Mortgage Application - 1003

Are you ready to implement the newly redesigned Uniform Residential Loan Application Fannie Mae 1003/Freddie Mac 65?  Your software provider is probably already sending you updates for the new Application form.  Lenders may begin using the newly revised URLA July 1, 2019 and the GSE Mandatory Deadline will be February 2020.  Does your software accommodate the new form?  We will take you step by step through the application and the application process.  We will take you step by step through the application and the application process.  Do you wish there was a short recording on how to properly request, collect and document the demographic information during the interview process without having to constantly retrain your staff?  As a special bonus, we will provide you access to a mini-presentation on this very subject once you attend the 3-Day Workshop!

If you are not planning to implement the new URLA, do you have to report to collect and report to HMDA?  Is the application you are using adequate & efficient to easily accommodate your HMDA responsibilities?  Maybe we can help!It is during the application stage that the appropriate government monitoring information be requested for both ECOA/Reg B and HMDA purposes.

                10:30am  – 10:45am Break

10:45am – 12:00noon - Action Taken - Pre-Application & Application

Pre-Application & Application Procedures – Discussions of Actions Taken such as Withdrawns, Incompletes, Counter Offers vs Counseling, Approved but not Accepted, Files Closed for Incompleteness vs Denied for Incompleteness, What are defined as Denials under HMDA & ECOA - Conditional Approvals and how they shoudl be reported – Government Monitoring Information – Application defined by ECOA & HMDA vs TRID

                12noon  – 1:00pm Luncheon

1:00pm - 2:30pm – Closing Packages & Trouble Shooting (including Construction Permanent Lending) 

 We are in the process of engaging Guest Speakers         

                  2:30pm – 2:45pm Break

2:45pm - 3:45pm - Still Regulation Z?

Common Errors Found - Troubleshooting & Solutions      
Ability to Repay and Qualified Mortgages, Timing & Tolerance rules and limitations on TRID Disclosures - “Written List of Service Providers?” Estimating Escrows - Revised Loan Estimates - How do you document “changed circumstances” to retain for 3 years? Are you re-disclosing the LE even if you have not exceeded tolerances? Are you allowing waivers of time limitations and waiting periods? Providing applicants with conditional approval requirements before LE? Zero & 10% Tolerance Limits Revised Closing Disclosure When must there be a new 3 day waiting period for corrected CD’s? Seller Closing Disclosure - Which definition of business day you should follow for disclosures? Charging fees… What is allowable & prohibited? Violations, Cures and Restitution

You are free to enjoy your Evening!




9:00am - 10:30am - What's new in Flood Compliance? - Doug Winkler & Michael Martinez - AFR Services

We will cover the foundations of the Flood Insurance requirements for lenders as well as the amended rules and sample forms provided as a result of the final rules.  Flood Insurance rules with respect to mandatory escrowing of flood insurance premiums, subject to certain exemptions is required. Clarifications have been provided concerning force placed flood insurance whether an escrow account is established or not.

                  10:30am - 10:45am Break

10:45am - 12noon - Field Guide to Underwriting - Michael Whitbeck - Uberwriter

Tips for Loan Originators, Processors, & Underwriters to help increase your number of approved loans by truly understanding the ins and outs of the guidelines.  This session will better equip you  in complicated underwriting challenges, such as underwriting self-employed borrowers.

                  12noon – 1:00pm Luncheon

1:00pm - 2:30pm – TBD

We are in the process of engaging Guest Speakers

                   2:30pm – 2:45pm Break

2:45pm - 3:45pm –  HMDA & Fair Lending Issues

Basic Fundamentals of HMDA will be covered and we will specifically address the implementation of the latest changes, including newly proposed rule to amend Regulation C.  The proposed rule change would apply to institutions with a home office or branch in an MSA with assets in excess of $46 million as of December 31, 2018.

It proposes:

(i) two alternatives to increase the threshold for reporting data about closed-end mortgage loans so that institutions originating fewer than either 50 closed end mortgage loans, or alternatively 100 closed-end mortgage loans, in either of the two preceding calendar years would not have to report such data as of January 1, 2020;

(ii) to adjust the threshold for reporting data about open-end lines of credit by extending to January 1, 2022, the current temporary threshold of 500 open-end lines of credit and setting the threshold at 200 open-end lines of credit upon the expiration of the proposed extension of the temporary threshold;

(iii) to incorporate into Regulation C the interpretations and procedures from the interpretive and procedural rule that the CFPB issued on August 31, 2018; and

(iv) to implement further section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

This will make final the partial exemptions and clarify the reporting required under 2018 amendments adopted under the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA). The exemptions provide covered institutions the option of reporting exempt data fields as long as they report all data fields within any exempt data point for which they report data; clarify that only loans and lines of credit that are otherwise HMDA reportable count toward the thresholds for the partial exemptions; clarify which of the data points in Regulation C are covered by the partial exemptions; designate a non-universal loan identifier for partially exempt transactions for institutions that choose not to report a universal loan identifier; and clarify the exception to the partial exemptions for insured depository institutions with less than satisfactory examination histories under the Community Reinvestment Act of 1977 (CRA). These changes would become effective on January 1, 2020.   

You are free to enjoy the evening!


9:00am - 10:30am – TBD

 We are in the process of engaging Guest Speakers          

                  10:30am – 10:45am Break

10:45am – 12noon – TBD

We are in the process of engaging Guest Speakers

 Any Question is Fair Game!


 Who Should Attend?

Anyone involved in Loan Origination, Application, Loan Processing, Closing, Underwriting, Auditing, Quality Control and/or Servicing of Real Estate loans will find this workshop to be a valuable tool and a worthwhile investment. The sessions provide you with confidence by reaffirming your lending procedures. Often times these sessions will not only help those who are new to mortgage lending, it will also fill in the blanks for those in underwriting, loan review and quality control.
Cancellation Policy

If you find it necessary to cancel, there is NO PENALTY FOR CANCELLATION if you cancel before 12noon on August 2nd. Cancellations after this time may be credited to future trainings, webinars, products or services, less a $200 administration fee. If you are ready to build a strong foundation, without wasting your time, we invite you to attend.

Your complete satisfaction with every FIC conference is fully GUARANTEED! If for any reason, you feel you do not receive the educational benefit you need from our trainings, we will guarantee your money back! Our objective is to ensure that you receive a high-quality, effective training experience you need to stay one step ahead of the overwhelming task involved in keeping you abreast of regulatory changes in Real Estate Lending & Compliance!
Continuing Education

In efforts to pursue continuing education accreditation of the FIC Real Estate Compliance & Residential Lending Conferences, we have found that each entity has it's own criteria to be met. If there is a specific trade organization, State banking association, State Bar or CPA organization, etc. that you would like our assistance in getting continuing education accreditations, please let us know or send us information and instructions. Though in most cases we are unable to absorb the fees of these organizations, we will be happy to assist you in the approval process.  We provide Certificates of Completion listing classroom hours, for your convenience in illustrating continuing education efforts to your auditors and examiners.