Reg Z Ability to Repay (ATR) and Qualified Mortgage (QM) for Compliance Professionals


Explains the ability to repay rules for all Regulation Z closed-end mortgages, including the eight minimum underwriting factors and the special circumstances that qualify for transitioning nonstandard to standard mortgage loans. Describes the purpose and qualifications associated with the qualified mortgage rules.


  • Describe the Ability to Repay rules for all Regulation Z closed-end mortgages
  • Explain the purpose and qualifications for the Qualified Mortgage rules

Audience:  Compliance and risk management professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.

ABA Certifications: 0.75 CRCM

Your Instructor: Carl Pry, Senior Director, Treliant Risk Advisors, LLC

Carl is a Senior Director for Treliant Risk Advisors.  formerly he served as Senior Vice President and Compliance Manager in Compliance and Control for KeyBank in Cleveland, OH. Carl is a frequent contributor to and serves on the editorial advisory board of the ABA Bank Compliance magazine.

Related Training: ABA Certificate in Lending Compliance

The New York Bankers Association is a Local ABA Training Provider.

NYBA Professional Development at (212) 297-1679 or
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Member $275
Non-Member $375

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