Decoding ATR/QM Requirements: Ensuring Your Documentation Is Squared Away

Compliance Lending

On-Demand Webinar:

StreamedJun 25, 2026Duration90 minutes

Unlimited & shareable access starting two business days after live stream
Available on desktop, mobile & tablet devices 24/7
Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

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Ensure every mortgage decision is backed by precise documentation and a full understanding of ATR/QM risk classifications.

This detailed session will explain the ATR and QM requirements under Reg Z. Learn how to properly document loan files, verify borrower information, and apply the key provisions that determine whether a loan meets QM standards. We’ll also discuss how QM functions as a risk classification rather than a compliance category, helping lenders align decisions with institutional risk policies. Gain clarity on how to evaluate terms, manage exceptions, and position your organization for sound, well-documented consumer mortgage lending.

KEY WEBINAR TAKEAWAYS

Underwriting and verification requirements consumer mortgage lenders must follow when underwriting a mortgage loan
Legal classification of a Qualified Mortgage – it’s not necessarily a compliance issue
Following your institution’s requirements as well as the regulatory aspects
Ensuring your loan files are appropriately documented

BONUS MATERIALS

Checklists, flow charts, and other helpful tools to ensure you understand the requirements from a practical perspective
Helpful website links to available resources

WEBINAR DETAILS

This informative webinar will cover the chief requirements when underwriting a consumer mortgage loan under Regulation Z’s Ability-to-Repay (ATR) and Qualified Mortgage (QM) provisions. Learn how to appropriately document the loan file and demonstrate the verification rules that underpin these requirements. The QM provision is not necessarily a compliance provision, but rather a risk classification. It is important that mortgage lenders understand the distinctions, and therefore the risks in offering various terms and conditions. You must know the organization’s position regarding QM versus non-QM loans in order to make the appropriate decision as to what precisely to do.

WHO SHOULD ATTEND?

Consumer mortgage loan officers
Loan processors
Closing agents
Business line management
Compliance, audit, and risk professionals

TAKE-AWAY TOOLKIT

Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.