HELOC Compliance: Disclosures, Documentation, Advertising, Amending & More

April 16, 2025

Compliance Lending Marketing Operations

Live Webinar:

DateApr 16, 2025Duration90 minutes

12:00 PM PDT01:00 PM MDT

02:00 PM CDT03:00 PM EDT

Unlimited connections for your institution
Available on desktop, mobile & tablet
Take-away toolkit
Presenter’s contact info for questions

On-Demand Webinar:

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

A home equity line of credit (HELOC) is a type of highly regulated loan.

From disclosures to advertisements to timing, and more, there are specifications and special rules around every corner. Do you know when and how a lender can decrease, suspend, or terminate a HELOC? Join us to learn about HELOC compliance from application to end-of-draw.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

Understand the specific disclosures that must be present in your institution’s HELOC documents
Analyze the restrictions imposed on HELOC advertising and the special wording that must be used
Distinguish when a change-in-terms notice must be sent to the borrower
Explain the special notice that must be given when a HELOC is reduced, suspended, or terminated
Determine if a HELOC can be terminated when the borrower moves out of the home or if it significantly declines in value
Explain how to properly manage HELOCs nearing their end-of-draw period

WEBINAR DETAILS

HELOCs require special disclosures in the loan documents, exact wording in advertisements, limitations on when a lender may decrease or suspend a HELOC, and specific timing requirements for disclosures that must be sent before a HELOC matures.

Regulation Z prohibits a lender from changing any HELOC term except in very limited circumstances. This webinar will explain the required HELOC disclosures and advertising restrictions. It will address the specific situations when a lender is permitted to decrease, suspend, or terminate a HELOC, and the steps that must be taken. In addition, you’ll learn how to handle HELOCs nearing their end-of-draw periods.

WHO SHOULD ATTEND?

This informative session is designed for all mortgage loan officers, loan operations personnel, managers, compliance officers, internal auditors, marketing personnel, and attorneys.

TAKE-AWAY TOOLKIT

HELOC advertising checklist
Interagency Guidance on Home Equity Lines of Credit Nearing Their End-of-Draw Period
Interagency Guidance on Credit Risk Management for Home Equity Lending
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.