Nov 18, 2025
Construction Loans and TRID
While we briefly discussed construction loans last quarter, we will now discuss construction loan in depth, including the various impacts that construction loans have on TRID. We will look at all portions of the Loan Estimate and Closing Disclosure affected by: a construction-only loan, a construction-permanent loan using one disclosure, and a construction permanent loan using two disclosures.
Using the APR Software for All Loan Types
This topic will include a discussion of finance charges and their impact on the APR, focusing on all the “new” fees and charges that were not contemplated by Regulation Z. The Regulation Z rules have not been updated in perhaps 30 years.
The Homeowners Protection Act
This topic has not been discussed in the CBC for about 7 years. It revolves around the issue of PMI, which shows up in hotline questions frequently. We will discuss the entire PMI process, including the Loan Estimate and Closing Disclosure, potential escrow issues, and the Act itself. The Act is a law, not a regulation, and we will be discussing it as bankers, not as attorneys.
Reviewing your Loan Policies
This section builds on last quarter’s material, covering the remaining loan policies your bank should have and what they should include. Policies provide your staff with clear guidance for implementing regulations. Many banks state they will “follow the regulation,” but regulators now expect more detailed policies — this section will help ensure yours meet current requirements. To allow more time for other topics, this content will be delivered through Excel spreadsheets for easy implementation with minimal presentation time.
PDF Brochure
8:30 a.m. Registration & Continental Breakfast
9:00 a.m. Program Begins
12:00 p.m. Lunch
4:00 p.m. Program Adjourns
*All times in EST
Regulatory Update
Main Subjects
Bill Elliott brings over 45 years of banking experience to Y&A, where he leads compliance seminars, conducts reviews, and provides inhouse training. He previously spent 15 years as a compliance and CRA officer at a large community bank and also worked for a regional bank. Bill has experience as a lender in consumer, commercial, and mortgage loans, and has managed departments such as loan review, loan processing, credit administration, collections, and commercial loan workout.
Who Should Attend?
This seminar will benefit anyone in your institution who deals with construction loans, as well as other loan types. The presentation will be useful for compliance officers, lenders, loan processors, lending management, auditors, and any other interested parties.
IBA Members
$400 - First Attendee
$200 - Each Additional Attendee
Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or non-member rates. Surcharge of 100% for Non-Members.
HYBRID TRAINING
Live Training will be at the Center for Professional Development located at 8425 Woodfield Crossing Blvd Suite 155E, Indianapolis, IN 46240
Virtual Training connection links and handouts will be provided 2-3 days in advance to allow for printing of the materials before class.
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You will receive an e-mail confirmation at
Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations the day before or absences on the day of the program. Substitutions are welcome at