A Deep Dive Into Compliance & AUS

Version History

Version	Date	Change
1.0	June 21, 2023	n/a
1.1	September 7, 2023	Added sub-topics: - Change of Circumstance - Title and Escrow Vetting - Cost to Cure
1.2	September 8, 2023	Reorganized modules for better flow.

Content Outline

Module 1: Introduction

Module 2: AUS

• DU/LPA/GUS Overview

• Running AUS

• Day 1 Certainty

Module 3: Disclosures

• RESPA 6

• Initial Disclosures & Loan Estimates (LE)

• Closing Disclosures

• Change of Circumstance

• Title and Escrow Vetting

Module 4: Compliance

• QM Points & Fees

• QM Points & Fees in Encompass

• Cost to Cure

• Mavent

• ATR QM

• TILA-RESPA

• High Cost

• HPML (Higher Priced Mortgage Loans)

• State Rules

• Licensing

• Enterprise Rules

Module 5: Adverse Loans

• Withdrawal Request

• Denial Request

• NOIA (Notice of Incomplete Application)