Module 1: Overview of the Integrated Mortgage Disclosure Forms 8-Hour SAFE Comprehensive Continuing Education

Module 1: Overview of the Integrated Mortgage Disclosure Forms 1.1 Integrated Mortgage Disclosures Effective Date – August 1, 2015 Scope of the TILA-RESPA Rule Modified Requirements for Timeshares New and Revised Definitions Application Business Day Finance Charge Prepayment Penalty Annual Percentage Rate

Module 1: Overview of the Integrated Mortgage Disclosure Forms 1.1 Integrated Mortgage Disclosures Restricted Activities Prior To Receipt of Loan Estimate Limitation on Imposing Fees Use of Form H-26 for Estimates of Costs and Terms Limitation on Requiring Additional Information Prior to Providing a Loan Estimate Delivery of a Special Information Booklet Mandatory Use of Model Disclosure Forms Borrower’s Intention to Proceed Recordkeeping Requirements What Happens if the Lender Sells or Transfers the Loan?

Module 1: Overview of the Integrated Mortgage Disclosure Forms 1.2 Overview of the Loan Estimate Delivery of the Loan Estimate Good Faith Requirements Charges Subject to Zero Tolerance Charges Subject to a 10% Cumulative Tolerance Charges That May Exceed the Disclosed Amount Changed Circumstance Refunds Related to Good Faith Analysis

Module 1: Overview of the Integrated Mortgage Disclosure Forms 1.2 Overview of the Loan Estimate Revising the Loan Estimate Providing a Revised Loan Estimate Model Loan Estimate Forms Page 1 of the Loan Estimate Page 2 of the Loan Estimate Page 3 of the Loan Estimate

Module 1: Overview of the Integrated Mortgage Disclosure Forms 1.3 Overview of the Closing Disclosure General Requirements Model Closing Disclosure Forms Page 1 of the Closing Disclosure Page 2 of the Closing Disclosure Page 3 of the Closing Disclosure Page 4 of the Closing Disclosure Page 5 of the Closing Disclosure

Module 1: Overview of the Integrated Mortgage Disclosure Forms 1.3 Overview of the Closing Disclosure Delivering the Closing Disclosure Closing Disclosures Provided by Settlement Agent Closing Disclosures Involving Multiple Borrowers Revising or Correcting the Closing Disclosure Borrower’s Rights Regarding Revised Closing Disclosures