{"id":2266,"date":"2016-06-23T20:30:25","date_gmt":"2016-06-23T20:30:25","guid":{"rendered":"https:\/\/preprod.housingwire.com\/knowledge\/?p=2266"},"modified":"2019-11-06T14:48:42","modified_gmt":"2019-11-06T14:48:42","slug":"hw-qa-top-answers-on-how-the-cfpb-enforces-trid","status":"publish","type":"post","link":"https:\/\/preprod.housingwire.com\/knowledge\/hw-qa-top-answers-on-how-the-cfpb-enforces-trid\/","title":{"rendered":"HW Q&#038;A: Top answers on how the CFPB enforces TRID"},"content":{"rendered":"<p>More than seven months post-TRID, and you still have questions. <strong>This TRID thing should be getting easier right?<\/strong><\/p>\n<p>Well it\u2019s not, and you\u2019re far from alone in your frustrations. The industry recently banded together to push the CFPB to give additional guidance on how they will interpret and enforce TRID. In turn, the bureau announced it would take another look at the Know Before You Owe rule, but with no indication as to when you&#8217;ll get the answers you need. HousingWire recognizes you need answers and you need them now.<\/p>\n<p>To help you get the information you need, HousingWire has brought\u00a0together two of the leading experts to address the issues that are front and center for all mortgage lenders.<\/p>\n<h4>Topics Discussed:<\/h4>\n<ul>\n<li>TRID requirements that everyone missed<\/li>\n<li>Frequent errors<\/li>\n<li>Liability issues<\/li>\n<\/ul>\n<h4>Sample\u00a0of Questions Answered:<\/h4>\n<ul>\n<li><span style=\"font-weight: 400;\"> If a survey fee is required only by the Title company for the purpose of issuing title insurance, and subsequently listed on the disclosures as such (\u201cTitle \u2013 Survey\u201d), should the survey fee be treated the same as any other title fee (Closing Protection Letter; Title Examination; Courier Fee; etc.), or should it still be treated as a separate entity requiring a provider for that specific service (Survey) on the Written List of Providers if disclosed in Section C?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Are there other changed circumstances that can justify a decrease in lender credit beyond those tied to the interest rate (i.e. lock, extension, etc.)?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If a fee that is paid by the seller at closing (but disclosed as a borrower-obligated fee on the LEs) increases beyond the allowable tolerance threshold, is the lender still required to provide a cure\/reimbursement to the borrower?<\/span><\/li>\n<\/ul>\n<h4>Speakers:<\/h4>\n<p style=\"padding-left: 30px;\"><strong>Benjamin Olson<\/strong><br \/>\n<em>Partner,<br \/>\n<a href=\"http:\/\/buckleysandler.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">BuckleySander<\/a><\/em><\/p>\n<p style=\"padding-left: 30px;\"><em><br \/>\n<\/em><strong>Brandy Hood<\/strong><br \/>\n<em>Associate,<br \/>\n<em><a href=\"http:\/\/buckleysandler.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">BuckleySander<\/a><\/em><br \/>\n<\/em><\/p>\n<p><strong>Publisher:<\/strong>\u00a0HousingWire<br \/>\n<strong>Date:<\/strong>\u00a0June 22, 2016<br \/>\n<strong>Format:<\/strong>\u00a0Fee-based Webinar<br \/>\n<strong>Cost:<\/strong> $99.00<\/p>\n<p>This is a recording of an interactive webinar. Presentation slides are available for download as well.<\/p>\n<p><!--[if lte IE 8]>\n<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2-legacy.js\"><\/script>\n<![endif]--><br \/>\n<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script><br \/>\n<script>\n  hbspt.forms.create({\n\tportalId: \"4509319\",\n\tformId: \"0b165ddd-cae2-4a34-81b8-10c545017051\"\n});\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>More than seven months post-TRID, and you still have questions. This TRID thing should be getting easier right? Well it\u2019s not, and you\u2019re far from alone in your frustrations. The industry recently banded together to push the CFPB to give additional guidance on how they will interpret and enforce TRID. In turn, the bureau announced [&hellip;]<\/p>\n","protected":false},"author":686,"featured_media":2267,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[65],"coauthors":[80],"class_list":["post-2266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lending","tag-webinar"],"acf":[],"jetpack_featured_media_url":"https:\/\/preprod.housingwire.com\/knowledge\/wp-content\/uploads\/sites\/2\/2016\/06\/EdWeb-TRID-QA-Square.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/posts\/2266","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/users\/686"}],"replies":[{"embeddable":true,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/comments?post=2266"}],"version-history":[{"count":1,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/posts\/2266\/revisions"}],"predecessor-version":[{"id":2887,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/posts\/2266\/revisions\/2887"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/media\/2267"}],"wp:attachment":[{"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/media?parent=2266"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/categories?post=2266"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/tags?post=2266"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/preprod.housingwire.com\/knowledge\/wp-json\/wp\/v2\/coauthors?post=2266"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}