TILA/ RESPA changes. Are you ready? Webinar hosted by CU*Answers on 12/10/2014
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1 TILA/ RESPA changes Are you ready? Webinar hosted by CU*Answers on 12/10/2014
2 TILA/RESPA Changes- Are You Ready? During this webinar, you ll learn about the upcoming requirement for the Loan Estimate and Closing Disclosure forms for Closed-End Mortgages This webinar will also discuss the Accenture Mortgage Cadence Document Center specific to the new integrated disclosures
3 Topics of Discussion Requirements for you as a client CU*Answers status Supported loan products Form providers statuses Accenture Mortgage Cadence LOS Pricing Contacts
4 Requirements for you as a Client Auditors requirements for tracking the completion of TILA / RESPA The expectation is that the credit union has a plan to address the implementation of the new forms and the processes which need to change Included is your assessment of the readiness of your forms provider and technology provider For more information
5 CU*Answers Status Visit the Kitchen page at cuanswers.com for the latest updates on this project.
6 Supported Loan Products In CU*BASE Consumer 1 st Mortgages Fixed-rate Balloon payments Selected ARM s programs 2 nd Mortgages Closed-End Home Equity Does not apply to: Home Equity Lines of Credit (HELOC) Reverse Mortgages Mortgages secured by mobile homes
7 Forms Provider Status Provider Communication Commitment Delivery Conmar Good 1 st quarter 2015 to clients CUNA Mutual Very good Hosted 3 webinars (1 for clients and 2 for data processors) Forms will be delivered to CU*A by 1/31/2015 By 3/31/2015 Received toolkit containing blank forms and mapping documents (11/19/2014) Financial Forms Good Documents being finalized with legal counsel Oak Tree Good Forms have been sent to all clients Securian Very good Forms will be delivered to CU*A by 1/31/2015 WCUL Expect approved forms to clients by 1/31/2015 Will receive after clients approve (1 received to date) Received forms for 1 client to date ** Will not be supporting the Loan Estimate and Closing Disclosure documents
8 Securian CUNA Conmar Financial Forms Oak Tree Credit Union Listing by Forms Providers Affintiy Group Best Financial Building Trades CorePlus FCU Des Moines Police Officers East Traverse Catholic First Ohio Community FCU Gratiot Community H.P.C. Heartland (Madison) Heartland (Springfield) Illinois Educators Isabella Community Kellogg Community Kent County Lakeview North Central Area NorthPark Community Oak Trust Pathways Financial Peninsula FCU Preferred Prospera Rockford Community Toro Employees United Educational Vacationland West Michigan Postal Service FCU West Michigan Western Division FCU Community First FCU Greensboro Municipal FCU Madison County Wakota FCU Accenture Mortgage Cadence Sites Child Site Grandchild Site AAA FCU Allegius Horizon Utah Meijer Parkside Port Conneaut Public Service River Valley Washtenaw FCU Catholic United FCU Day Air First Trust
9 Accenture Mortgage Cadence Loan Fulfillment Center CU*Answers is an authorized reseller of the Accenture Mortgage Cadence Loan Fulfillment Center (LFC) The Loan Fulfillment Center is a complete, cloud-based platform Available anytime, anywhere to meet your lending needs By utilizing a Loan Origination System (LOS) you have one-stop shopping for all your mortgage needs including; 1st mortgages, closed-end equity, and HELOC s
10 The Document Center The LFC is fully integrated with the Document Center for an automated document preparation and delivery solution Dynamic The data drives the document presentation, document content and package content Compliant An in-house compliance team and regulatory specialists monitor regulatory changes and handle required document modifications so you don t have to Documents are produced to be compliant with federal/state/local mortgage regulations reducing the risk and worries associated with manual document preparation Comprehensive All 1st mortgage products, closed-end seconds and HELOC s are supported
11 Services Center ATR/QM Compliance Analytics via Interthinx PredProtect Service The LFC is fully integrated with the Interthinx PredProtect Service to provide compliance analytics including anti-predatory lending federal/state/local, GSE antipredatory guidelines, state consumer lending laws, TILA and Patriot Act checks Specific tasks and checklists are incorporated into the platform to ensure you have fully documented and met the test for a qualified mortgage
12 Compliance Analytics Interthinx Service
13 KBYO Monthly Webinar Series Topics discussed to date and available via recorded sessions The KBYO RESPA/TILA impact on your mortgage origination processes and controls (sales, processing, underwriting, closing, and post-closing quality control) Steps to take now to ensure a smooth transition and compliance Institutional and asset-level risk associated with failure to comply with the new obligations Conducting KBYO RESPA/TILA readiness and implementation planning Employee and business partner training and communications strategies Vendors and their role under the new rules
14 KBYO Recorded Webinars Log in to the Resource Center >> compliance >> KBYO KBYO Educational Webinar Featuring Don Lampe November 13th, 2014 KBYO Educational Webinar Recording - November 13, 2014 NEW KBYO Educational Webinar Presentation - November 13, 2014 NEW KBYO Educational Webinar Featuring Colgate Selden and Scott Samlin October 16th, 2014 KBYO Educational Webinar Recording - October 16, 2014 KBYO Educational Webinar Presentation - October 16, 2014 KBYO Educational Webinar Featuring Rich Horn September 18th, 2014 KBYO Educational Webinar Recording - September 18, 2014 KBYO Educational Webinar Presentation - September 18, 2014
15 Accenture Mortgage Cadence Demo Lender*VP will be hosting an upcoming product demonstration for all interested clients An invitation and registration form will be forthcoming via The demo will provide a high level of overview of the platform for those interested in a LOS (origination through closing) for 1 st mortgages, closed-end seconds and HELOC s
16 Securian CUNA Conmar Financial Forms Oak Tree Credit Union Listing by Forms Providers Affintiy Group Best Financial Building Trades CorePlus FCU Des Moines Police Officers East Traverse Catholic First Ohio Community FCU Gratiot Community H.P.C. Heartland (Madison) Heartland (Springfield) Illinois Educators Isabella Community Kellogg Community Kent County Lakeview North Central Area NorthPark Community Oak Trust Pathways Financial Peninsula FCU Preferred Prospera Rockford Community Toro Employees United Educational Vacationland West Michigan Postal Service FCU West Michigan Western Division FCU Community First FCU Greensboro Municipal FCU Madison County Wakota FCU Accenture Mortgage Cadence Sites Child Site Grandchild Site AAA FCU Allegius Horizon Utah Meijer Parkside Port Conneaut Public Service River Valley Washtenaw FCU Catholic United FCU Day Air First Trust
17 Pricing Comparison CU*Base Accenture Mortgage Cadence Initial price $2,000 Implementation & site skin fee Maintenance Forms Provider Fees $750 Loan Estimate $1,250 Closing Disclosure Up to $100 per page for required changes to the forms Contact your forms provider for detailed quote Recurring fees Monthly maintenance fee Interthinx PredProtect Compliance Analytics $1,000 $25 per application $25 per closing document package $500 $5 per loan
18 Questions?
19 Contact Information Department Name Phone Lender*VP Forms Bridget Datema (800) ext. 298 Tom Heidenga (800) ext. 251 Mortgage Cadence Laura Zazakis (800) ext. 344 Rob Meijer (800) ext. 190 Compliance Jim Vilker (800) ext. 167
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