Iowa Bankers Association Iowa Bankers Insurance & Services, Inc.
Iowa Bankers Association
8800 NW 62nd Avenue
Johnston, IA 50131
Toll-Free: 800-532-1423
Local: 515-286-4300
Fax: 515-280-4140

Event Detail

Event Description

IBA Compliance Webinar - All Things HPML

IBA’s compliance webinars are a continuing series. Brought to you by the IBA compliance staff they offer timely information, addressing key regulatory issues when you need it. The webinars keep you informed and ready for the challenges of the changing regulatory financial services environment.

The CFPB recently released a final rule implementing a new exemption the requirement to escrow for first lien Higher Priced Mortgage Loans (HPMLs).  To be eligible for the exemption, institutions must meet certain criteria based on their asset size, loan volume, where they currently make loans and current escrow activity.  If your bank in interested in discontinuing your current HPML escrow program or has been limiting your interest rate margins to avoid making HPMLs and the accompanying escrow requirement, this webinar is will review the existing HPML rules and exemptions PLUS assist you in determining if your institution originates HPMLs, the requirements related to these loans, and if your bank is eligible for this new escrow exemption. Webinar topics include:

  •     Covered loans
  •     Process for determining rate spread
  •     Escrow requirement – what must be included in the escrow
    •         Loan exemptions
    •         Existing small creditor exemption
    •         New “insured institution” – low volume exemption
    •         Cancellation provisions
  •     Appraisal requirement – coverage & requirements of appraisal (certified appraiser, etc.)
    •         Loan exemptions
    •         2nd appraisal rule
    •         Copy requirement/timing/no waiver



Julie Gliha, MBA, CRCM, is vice president of regulatory compliance for the Iowa Bankers Association. As a graduate of the University of Northern Iowa and the University of Phoenix, Julie earned her BA in Financial Management, holds a Masters in Business Administration, and is a graduate of the IBA Compliance School. Julie has over twenty-eight years of experience in all areas of regulatory compliance including compliance management, lending and deposit regulations, Bank Secrecy Act, OFAC, Privacy, Community Reinvestment Act, IRA administration, retail bank management, and training.

Ronette Schlatter, CRCM, is a senior compliance coordinator with the Iowa Bankers Association. Her primary responsibilities at the IBA include the coordination, writing and editing of IBA’s monthly compliance magazine, THE DISCLOSURE; providing onsite training and compliance consulting for member banks; researching and
evaluating new regulatory requirements; and responding to member banks’ compliance questions. Ronette received her BA in Business Administration from William Penn College and is a graduate of the ABA Graduate Compliance School.




Webinar Details

The program consists of 90 minutes of instruction followed by Q&A. Each registration provides connection to the webinar, materials and access to a six month replay. You may have unlimited listeners on your connection by speaker phone and computer. You will receive a confirmation, materials and instructions. If you do not receive a confirmation at least 2 days prior to the event contact Darcy Burnett at Iowa Bankers Association.

Webinar (05/12/21 10:00 - 11:30 a.m.)

Online Registration

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