Jun 25, 2026
Ensure every mortgage decision is backed by precise documentation and a full understanding of ATR/QM risk classifications.
This detailed session will explain the ATR and QM requirements under Reg Z. Learn how to properly document loan files, verify borrower information, and apply the key provisions that determine whether a loan meets QM standards. We’ll also discuss how QM functions as a risk classification rather than a compliance category, helping lenders align decisions with institutional risk policies. Gain clarity on how to evaluate terms, manage exceptions, and position your organization for sound, well-documented consumer mortgage lending.
June 25, 2026
11:00 am - 12:30 pm EST
This informative webinar will cover the chief requirements when underwriting a consumer mortgage loan under Regulation Z’s Ability-to-Repay (ATR) and Qualified Mortgage (QM) provisions. Learn how to appropriately document the loan file and demonstrate the verification rules that underpin these requirements. The QM provision is not necessarily a compliance provision, but rather a risk classification. It is important that mortgage lenders understand the distinctions, and therefore the risks in offering various terms and conditions. You must know the organization’s position regarding QM versus non-QM loans in order to make the appropriate decision as to what precisely to do.
KEY WEBINAR TAKEAWAYS:
Carl Pry, CRCM, CRP
Carl Pry is a senior advisor at Asurity Advisors and the founder of PryHart Compliance Services, Inc. He holds a JD and an MBA from the University of Toledo and a BSBA from Bowling Green State University. He is a seasoned executive with banking law, corporate finance, and regulatory compliance experience in Fortune 500 institutions, regional banks, and industry consulting firms.
Over the last 35 years, Carl has held senior leadership positions at Treliant LLC, KeyBank, Accenture, and the Kirchman Corporation. He is a frequent contributor to and currently serves as co-chair of the Editorial Advisory Board for the ABA Risk and Compliance Magazine. He has served as an instructor at FDIC examiner school and as a back-up instructor at NCUA examiner school. He has authored training programs covering consumer and commercial compliance, audit, quality control, tax, privacy, and risk management, among others.
WHO SHOULD ATTEND?
Live Webinar - $279
On-Demand Webinar - $279
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.
| Susan Clark | Silvia Regalado | |
| Professional Development Coordinator | Professional Development Coordinator | |
| o: 317-387-9380 | o: 317-387-9380 | |
| d: 317-333-7169 | d: 317-333-7170 | |
| sclark@indiana.bank | sregalado@indiana.bank |