Agenda

Nov 12, 2026
3:00 pm - 4:30 pm EST

What does it mean to be a mortgage loan originator (MLO)? Are the MLOs at your financial institution following all the requirements? There are mandated registration procedures and a requirement to perform an annual independent audit. This webinar will address these rules, cover the SAFE Act requirements, provide an overview of the Loan Originator Compensation Rules, reveal five common SAFE Act violations, and offer nine steps for a SAFE Act audit. The concise summary of federal regulations that apply to mortgage lending will augment the overall MLO training requirements.

Topics

KEY WEBINAR TAKEAWAYS:

• Who must be registered, which employees meet the definition of a “mortgage loan originator”, and which are exempt
• Initial and subsequent registration process, including proper use of forms, criminal background checks, fingerprinting, and MLO registration submission
• Required policies, procedures, and compensation rules
• Nine required steps for the annual audit
• Loan originators are required to receive periodic training commensurate with their day-to-day origination responsibilities
• How to identify and avoid five common SAFE Act violations

Speaker(s)

Susan Costonis, CRCM
Compliance Training & Consulting for Financial Institutions

Susan Costonis is a compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve.

Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real-life examples.

Fees

Live Webinar - $279

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

On-Demand Webinar - $279

• 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

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

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