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

2. 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

3. 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?

4. 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

5. 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

6. 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

7. 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