TRID Technology Implementation
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1 TRID Technology Implementation Jaime Koofky, Managing Attorney, Brady & Koofky PA Cecelia Raine, Co-Chair, Cloing Inight Adviory Board, RealEC Technologie Richard Triplett, CMB, Vice Preident, Director of Compliance, AllReg Frank Fiore, Preident, Matchbox LLC 1
2 Connecting the Lending indutry RealEC Technologie TM SM Trademark() of Black Knight IP Holding Company, LLC, or an affiliate Black Knight Financial Technology Solution, LLC. All Right Reerved. 2
3 Cloing Inight Collaborative workflow deigned to upport lender and ervice provider effort to comply with the CFPB Integrated Mortgage Dicloure rule that take effect Augut 1, Cloing Inight treamline the complex, multi-party cloing proce, and help lender and their ettlement agent remain compliant a they generate mortgage dicloure that borrower mut receive when applying for or cloing on a loan. Cloing Inight provide: Standardized dataet (UCD) for exchanging Cloing Dicloure information A ecure platform for lender/cloing agent collaboration A method for lender to obtain more accurate loan information Time aving and reduction of error by replacing manual procee Improved borrower atifaction with the cloing proce Proce conitency by uing a rule-baed and configurable workflow
4 Cloing Inight Software Partner Network The companie lited below are working with RealEC to develop robut integration with Cloing Inight to upport the creation of the new Cloing Dicloure. Settlement agent uing thee oftware ytem hould expect a eamle experience, allowing their uer to tay within their oftware platform while providing real-time workflow tatu and Cloing Dicloure information to lender. The oftware partner will provide their ettlement agent the training and upport needed for a ucceful deployment of Cloing Inight. SoftPro Standard, SoftPro Enterprie, SoftPro Select and IMPACT (SoftPro Corp.) FAST, StreamLine and TitleExpre (Firt American and SMS) RamQuet AIM+/SureCloe (Stewart) ReWare (Adeptive) SnapCloe (Cornertone Management Solution) Landtech (Landtech Data Corporation) RBJ-Edge (RBJ Software, Inc.) Other proprietary ytem being brought on line through year end and beyond TM SM TM Trademark() SM Trademark() of Black of Knight Black IP Knight Holding IP Holding Company, Company, LLC, or an LLC, affiliate. or an affiliate Black 2014 Knight Black Financial Knight Financial Technology Technology Solution, Solution, LLC. All LLC. Right All Reerved. Right Reerved. 5
5 Lender Collaboration Portal Cloing Inight Settlement Agent Initiate Title/Cloe Order Title/ Cloing Preparation Cloing Intruction Lender Reviion Cloing Dicloure L o a n O ri gi n a ti o n S y t e m B u i n e R u l e RealEC Exchange Cloing Collaboration B u i n e R u l e Provider regiter and accept order Title/ Cloing Preparation Cloing Statement Agent Reviion Final Cloing Dicloure Black Knight Financial Service Confidential, Proprietary and/or Trade Secret TM SM Trademark() of Black Knight IP Holding Company, LLC, ServiceLink IP Holding Company, LLC, and/or an affiliate. All Right Reerved. 6
6 RealEC Cloing Inight Adviory Board CIAB Launched Inaugural meeting held July member repreenting 12 indutry organization Include 4 top 20 lender and 4 larget ettlement provider, larget title production platform Work Stream Identified Common Workflow, Fee, Education & Outreach, Training, Teting, Rule, Compliance, Settlement Agent Regitration, Production and Operation Readine and Data Sharing Engaging Other Indutry Partner ALTA, NAR, MBA, CFPB, NAHB, AEA, EIC Board Purpoe: Adoption of Cloing Inight Board member working together to enure indutry awarene Work Stream conducting tactical effort to enure effective and efficient adoption and indutry tandardization Black Knight Financial Service Confidential, Proprietary and/or Trade Secret TM SM Trademark() of Black Knight IP Holding Company, LLC, ServiceLink IP Holding Company, LLC, and/or an affiliate. All Right Reerved. 7
7 Settlement Agency Pre-Launch Readine Step 3: May 22 nd Lender review current regitration tatu and identify critical partner that have not regitered and ubmit targeted regitration requet Step 2: April 15 th Independent Agent Strategic Software Companie, Underwriter and indutry organization ditribute notice of regitration enrollment Step 1: Jan-Mar 2015 All Fidelity, Firt American, Old Republic, & Stewart direct operation added to RealEC network Tranactional Regitration Workflow Lender Target Recruitment Software Co & Underwriter Agent Underwriter Direct Operation Exiting RealEC TCDS Settlement Agent 80% to 90% TM SM TM Trademark() SM Trademark() of Black of Knight Black IP Knight Holding IP Holding Company, Company, LLC, or an LLC, affiliate. or an affiliate Black 2014 Knight Black Financial Knight Financial Technology Technology Solution, Solution, LLC. All LLC. Right All Reerved. Right Reerved. 8
8 JUNE 3, 2015 NATIONAL ASSOCIATION OF REALTORS 2015 MORTGAGE CONFERENCE TRID LOS Readine Richard Triplett, CMB Vice Preident, Director of Compliance, AllReg
9 Encompa Where are we? January 2015 > Launched Beta Program February 2015 > Official Reveal of Solution at Encompa Experience March 2015 > Releaed early verion to Tet Environment May 2015 > Releaed early verion to elect Production Environment December 2014 May 2015 provided a number of webinar, claroom-baed coure, town hall, etc Ellie Mae. All right reerved.
10 Encompa Where are we going? June 2015 > Releae final verion to all cutomer July 2015 > Planned window for needed adjutment prior to Augut 1 AllReg > Policie & Procedure guide > Self-Paced Coure on LE & CD > Dicloure Matrice > Auditing Checklit 2015 Ellie Mae. All right reerved.
11 What have we done? We have automated every part of completing the dicloure that could be automated We are leveraging a ingle ytem to both populate and produce the dicloure document We have evidence of compliance embedded through-out the olution to provide inight into dicloure timing / content, re-dicloure trigger, fee variance etc. We are working with our third party, title and ettlement agent partner to update their exiting integration to facilitate the exchange of data and document needed to provide accurate and timely dicloure that comply with the variou operational apect of the rule 2015 Ellie Mae. All right reerved.
12 Cutomer Iue Electronic Delivery Pre-Qualification/Pre-Approval/Application Dual/Parallel Dicloure Generation Vendor Management Retail veru Wholeale veru Correpondent Lender Credit/Rate Locking Fee Variance Cloing Coordination Documenting receipt of both the LE & CD (if not uing the mailbox rule) Multiple conumer Cloing Date (Conummation Date) veru Diburement date (particularly in ecrow tate) Time Zone 2015 Ellie Mae. All right reerved.
13 Cutomer Iue Origination Fee (no percentage jut dollar amount) Indirect compenation to broker on CD (but not LE) Particular fee (HOA, USDA, RHS, VA Funding Fee, etc.) State Specific Dicloure Record Retention (Federal veru State) Coordination of final revied LE to CD delivery Cooperative Unit & Manufactured Home Partial Payment Policie Liability After Forecloure Lat minute iue Reciion & Diburement 2015 Ellie Mae. All right reerved.
14 Encompa/Mavent/Allreg Ellie Mae Network & Total Quality Loan Third Party Service Title, Appraial, MI, Flood Doc Prep, Verification & Delivery etc. 3 rd Party Integration LOS: Data, Calculation, Workflow, Template, Buine Rule, Dicloure Tracking, Record Retention, EDM, ESIGN, Reporting, Audit Trail, Exception Management etc. Produce / Deliver LE, SSPL etc. Produce / Deliver Early & Revied CD Produce / Deliver Final CD etc. Title S2S Integration Produce / Deliver Pot Cloe CD Fee Service Integration Title Portal Tet Calculation, Timing, Fee Variance, High Cot, ATR/QM and produce evidence of compliance documentation Produce Final File for Delivery / Portfolio 2015 Ellie Mae. All right reerved.
15 Safe Harbor Thi preentation may contain forward-looking tatement under the afe harbor proviion under The Private Securitie Litigation Reform Act of Thee forward-looking tatement may include the company ability and timing to enhance the feature and functionality of Encompa oftware and ervice and of new product launche. Additional rik and uncertaintie related to the company buine are dicued in the company Securitie and Exchange Commiion filing, including but not limited to the company mot recent Annual Report on Form 10-K and Quarterly Report on Form 10- Q. Unle otherwie required by applicable law, the company undertake no obligation to update or revie any forward-looking tatement, whether a a reult of new information, future event or otherwie. The content i intended for general information purpoe only. It hould not be contrued a legal advice or opinion on any pecific fact or circumtance. You are advied to conult your own compliance taff or attorney regarding your pecific reidential mortgage lending quetion or ituation to enure your compliance with applicable law and regulation Ellie Mae. All right reerved.
Connecting the Lending industry
Connecting the Lending industry TM SM Trademark(s) of Black Knight IP Holding Company, LLC, or an affiliate. 2015 Black Knight Financial Technology Solutions, LLC. All Rights Reserved. 1 RealEC Technologies,
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