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Webinar Archives

2025 Webinars

   

Economic Outlook
Q2 Economic Outlook featuring Patrick Stone

Evolving Realtor Relationships
Evolving Realtor Relationships 2025

CFPB Shake-Up
CFPB's Shake-Up & Its Impact on You

Economic Outlook
Economic Outlook: Navigating Trends and Opportunities featuring Michael Fratantoni

     

2024 Webinars

   

Industry and Regulatory Outlook
Industry and Regulatory Outlook

Artificial Intelligence for the Title Industry
Artificial Intelligence for the Title Industry

RESPA Updates You Need to Know
RESPA Updates You Need to Know

Economic Forecast Series
2024 Economic Forecast Series featuring Doug Duncan

Evolving Consumer Relationships
Evolving Consumer Relationships 2024

Economic Forecast Series
2024 Economic Forecast Series featuring Moody's Analytics

Strategies for a post-NAR settlement market
Strategies for a post-NAR settlement market

Evolving Realtor Relationships
Evolving Realtor Relationships 2024

Economic Forecast Series
2024 Economic Forecast Series featuring Odeta Kushi

Excess Equity
Excess Equity

Ensuring Fintech Partner Compliance
RESPA: Ensuring Fintech Partner Compliance

Strategic Plannig for 2024
Strategic Plannig for 2024

Securing Your Cyber Network
Securing Your Cyber Network: 3 Critical Actions

2024 Economic Forecast Series
2023 Economic Forecast Series featuring Michael Fratantoni

     

2023 Webinars

   

2023 Industry and Regulatory Outlook
Industry and Regulatory Outlook

2023 Economic Forecast Series
2023 Economic Forecast Series: Year-end Insights with Doug Duncan

RESPA Compliance Essentials
RESPA Compliance Essentials

Compliant Marketing Tactics
Compliant Marketing Tactics

Avoiding Mortgage Payoff Fraud
Avoiding Mortgage Payoff Fraud

Evolving Realtor Relationships 2023
Evolving Realtor Relationships 2023

2032 Economic Forecast Series
2023 Economic Forecast Series featuring Brandi Snowden

Special Purpose Credit Programs
Special Purpose Credit Programs

Economic Forecast Series 2023
2023 Economic Forecast Series featuring Dr. Ted Jones

Evolving Lender and Title Relationships
Evolving Lender and Title Relationships

Economic Forecast Series 2023
2023 Economic Forecast Series featuring Doug Duncan

     

2022 Webinars

   

CFPB Unconstitutionally funded?
CFPB Unconstitutionally Funded? What does it mean?

Evolving Lender Relationships 2022
Evolving Lender
Relationships

Manufactured Housing Supply and Financing
Manufactured Housing Supply and Financing featuring HUD and FHA

Economic Forecast Series
2022 Economic Forecast
4-Part Series

Evolving Realtor Relationships
Evolving Realtor
Relationships 2022

CFPB Update webinar
CFPB Update

Evolving Consumer Relationships webinar
Evolving Consumer
Relationships

Understanding Cyber Insurance webinar
Understanding Cyber Insurance

Utilizing Technology for RESPA Compliance
Utilizing Technology for
RESPA Compliances

Collaborating on eClosings webinar
Collaborating on eClosings

 
     

2021 Webinars

   

Industry and Regulatory Outlook webinar
Industry and Regulatory Outlook

Diversifying Your Office webinar
Diversifying Your Office

Evolving Realtor Relationships webinar
Evolving Realtor
Relationships 2021

Complying with the New CFPB webinar
Complying with the
New CFPB

Training Your Team to be Cybersafe webinar
Training Your Team to be Cybersafe

Evolving Lender Relationships 2021 webinar
Evolving Lender
Relationships

Hiring and Recruiting webinar
Hiring and Recruiting

2021 Economic Forecast Series
2021 Economic Forecast
4-Part Series

Protecting the Consumer - RESPA Section 9 webinar
Protecting the Consumer - RESPA Section 9

Getting to Know Your Regulators webinar
Getting to Know Your Regulators

 
     

2020 Webinars

   

Economic and Regulatory Outlook webinar
Economic and Regulatory Outlook

Evolving Realtor Relationships 2020 webinar
Evolving Realtor
Relationships 2020

Mastering MSAs webinar
Mastering MSAs

Evolving Vendor Relationships webinar
Evolving Vendor
Relationships

eClosing: Your Questions Answered webinar
eClosing: Your Questions Answered

Evolving Lender Relationships webinar
Evolving Lender
Relationships

Ready, Set...RON Part 2 webinar
Streamlining the HMDA Process

Ready, Set...RON Part 2 webinar
Ready, Set...RON Part 2

Ready, Set...RON webinar
Ready, Set...RON

Cares Act for You webinar
Cares Act for You

Conducting Business in Uncertain Times webinar
Conducting Business in Uncertain Times

Economic and Industry Outlook webinar
Economic and Industry Outlook

     

2019 Webinars

   

Evolving Realtor Relationships webinar
Evolving Realtor
Relationships 2019

Regulatory Outlook 2020 webinar
Regulatory Outlook 2020

Strategic Alliances Webinar Series
Strategic Alliances Webinar Series

Regulatory and CFPB Update webinar
Regulatory and CFPB Update

GTOs Regional Today National Tomorrow webinar
GTOs Regional Today
National Tomorrow

Blockchain Journey Your Questions Answered webinar
Blockchain Journey Your Questions Answered

Overcoming Barriers to eClosings for Lenders webinar
Overcoming Barriers to eClosings for Lenders

GTOs Regional Today National Tomorrow webinar
New Loan Application (URLA): Your Questions Answered

 

Click here for more webinars from October Research


Monthly Newsletter

RESPA News Monthly
May 2025

Cover Story:

CFPB asks to vacate settlement with Townstone, citing misconduct by CFPB


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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