Consumer Real Estate Loan Audit Worksheet
Updated 05/05/2026
This audit worksheet can be used to review the Bank’s consumer real estate loans for compliance. It covers TRID, ATR/QM, and other important rules and requirements.
Rule: 12 CFR Part 1026 – Truth in Lending (Regulation Z), 12 CFR Part 1024 – Real Estate Settlement Procedures Act (Regulation X)
C/A Toolkit: Audit & Internal Monitoring, Mortgage
Keywords: Truth in Lending, Regulation Z, TILA, Mortgage, Real Estate Settlement Procedures Act, RESPA
5/5/2026 –
- Removed references to the 43% DTI ratio and Appendix Q.
- Revised QM section “Other Agencies” to reflect the current regulation.
- Removed “Temporary Balloon Payment QM Made By Certain Small Creditors” section due to no longer being valid.
- Added a Table of Contents.
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