ATR-QM Updates

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CE Credits:  1.25 CRCM

Description: The Consumer Financial Protection Bureau (CFPB) issued extensive amendments to the Qualified Mortgage rules in 2021, with some mandatory compliance dates extending well into 2022. This Webinar will take you on a deep dive of these amendments, how they may affect your institution, and how best to comply with the new requirements. We will review the revisions to the General QM Loan provisions, the new Seasoned QM Loan and its requirements, and the extension of the Temporary GSE QM loan definition or “Patch.” In addition, we will help you navigate how these new requirements interplay with existing ones. Join us for what is sure to be a detailed and informative look at ATR/QM requirements in 2022.

People Who Should Attend: Compliance Officers and other relevant compliance team members, mortgage lending officers and staff, mortgage operations, and internal audit. 

Presenter: Victoria E. Stephen, JD, CRCM, Vice President and Deputy General Counsel

Victoria serves as Vice President and Deputy General Counsel for Compliance Alliance. Since joining C/A in 2015, Victoria’s played a role in various facets of the organization, including leading our team of hotline attorneys and compliance officers, developing new products for members, and trainings, both internal and external. She was the first editor of ACCESS magazine and took a leading role in the website development team. Victoria has spoken at a number of compliance conferences and schools, and written for many national and state banker publications.

While working toward her B.B.A. in Finance from The University of Texas McCombs School of Business, Victoria developed a passion for banking and compliance during an internship with a community bank in South Texas. She continued her interest at The University of Texas School of Law, becoming a licensed attorney in the state of Texas.

In her career, Victoria has worked in the consulting industry, counseling some of the nation’s largest banks on all matters involving regulatory risk, compliance, and controls. Her experience includes advising on the design of compliance risk management programs and a variety of enforcement action remediation efforts for institutions with assets over $100 billion.