TRID: Changed Circumstances & Revised Loan Estimates

Compliance Lending

On-Demand Webinar:

StreamedJun 18, 2025Duration60 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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Compliance with the TILA-RESPA Integrated Disclosure (TRID) rule is very complex and continues to be a frequently cited violation.

Just when it seems compliance documentation requirements are satisfied, a change occurs. Whether borrower- or lender-initiated, changes happen for a variety of reasons, and you must be prepared to recognize opportunities to issue a revised Loan Estimate that enables critical tolerance levels to be reset.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

Effectively address borrower-initiated change requests
Recognize valid changed circumstances which permit the issuance of a revised Loan Estimate
Explain the timing requirements associated with a valid changed circumstance
Develop documentation to justify resetting baselines for tolerance testing
Explain the importance of documenting fees impacted as a result of a valid changed circumstance
Properly calculate variances of loan costs and their corresponding tolerance categories

WEBINAR DETAILS

This webinar will review what constitutes valid TRID changed circumstances and how to issue a revised Loan Estimate in a timely manner. It will explain how to properly calculate if the change enables re-disclosure of the costs so that they stay within acceptable tolerance levels. Loan file documentation is critical to support the reason for the change and to clearly identify the fees that were directly impacted. This program is designed to ensure you are prepared to capture the opportunity to issue a revised Loan Estimate and properly support the lender’s reaction to a change.

WHO SHOULD ATTEND?

This informative session is designed for mortgage lenders, loan processors, loan review staff, auditors, compliance personnel, and any others involved in preparing the loan estimate.

TAKE-AWAY TOOLKIT

Sample changed circumstances form
Tolerance fee category example chart
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.