Model Compliance Manual: A Template for Mortgage Professionals

Author: James H. Pannabecker
Format 3-Ring Binder with CD
Price: $525
Plus shipping and handling.
Sales Tax: for NY, TX, DC, CT orders only.

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Making certain that your residential mortgage lending staff understands and complies with a variety of changing state and federal regulations is essential to the effective mortgage operations of your institution. Noncompliance can be costly in fines, legal fees, and loss of reputation.

This manual and CD set provide your staff with the guidance and analysis they need for every part of your operation. The manual is a template you can follow to create your own compliance manual. It covers state and federal requirements that apply to mortgage lending, and includes many sample documents.

The CD lets you quickly customize everything for your operation, and even create department-specific compliance manuals. It explains the state and federal requirements, points out what applies to depository institutions only, and helps you get the timing right on required disclosures, use the right forms, make sure APR is properly represented in your advertising, and keep up as RESPA, Truth in Lending, HMDA, and the other regulations continue to change. The manual and CD also provide a wide array of sample materials, including:

Checklists, such as an EFTA compliance checklist and an Internet security checklist
Forms
Disclosures
Sample policies and other related materials
Sample examination procedures to help your internal audit program

About the Author:

James H. Pannabecker formerly was a general counsel of Citicorp Mortgage, Inc., where he managed the provision of legal services for the nationwide origination of mortgage loans through Citicorp's affiliated first mortgage lenders. Before joining Citicorp, he served as in-house counsel to Maryland National Bank, First Virginia Banks, Inc., and First American Mortgage. He is the author or co-author of numerous publications in the areas of truth-in-lending, real estate settlement procedures, and mortgage lending.