Final ATR/QM Rules: Guidance, ATR Options & Policy Update

On-Demand Webinar:
StreamedJan 3, 2023Duration90 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
See Registration Options

Do you have the new ATR/QM rules down pat?

Now that the 43 percent DTI rule is gone, do you know what to do? This webinar will provide the details, options, sample policy, and best practices you need to comply with the final rules.
  • Understand the requirements of the QM final rules
  • Determine which loans are affected by the ATR/QM rules
  • Define the qualified mortgage options and conditions for each
  • Use best practices and tools to determine a consumer’s ability to repay
  • Identify which institutions qualify as “small creditors” and which elements of the QM rules apply


The ATR/QM rules require lenders to make a reasonable, good faith determination of a consumer’s ability to repay any residential mortgage loan. The original general QM rules provided that a borrower’s debt-to-income (DTI) ratio could not exceed 43 percent. However, as of October 1, 2022, financial institutions must adhere to the revised general QM definition which eliminates this restriction and replaces it with priced-based thresholds tiered to the loan amount and lien position. 

This session will dive into the details of the final QM rules and provide best practices for how to ensure your policies and procedures accurately reflect the changes. It will also review the seven ability-to-repay (ATR) options and provide guidance on how to not only implement the new changes, but to strengthen your current ATR/QM compliance program.


This informative session will benefit loan officers, loan operations personnel, compliance officers, and internal auditors.


  • Sample policy language
  • Sample ATR worksheet
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.


"Great detail and cleared up some of our confusion."
-Steven, SAFE FCU

"Dawn was very detailed in the slides and provided great information for those of us coming back on to the mortgage scene. I absolutely loved this webinar and the tool kit items were a plus as well. Thank you Dawn for taking the time to prepare such a great presentation."
-Shaunte, University FCU

"Dawn provided excellent information in the webinar regarding Final ATR/QM Rules and the changes that have been made for 2023. It was a very nice presentation and I really appreciated she provided a handout for notes and comments."
- Pahmela, Wasatch Peaks Credit Union

Presented By

Dawn KinkaidDawn Kincaid
Brode Consulting Services, Inc.