Escrow Rules Review & Update
Escrow rules are expanding again effective August 1, 2015.

This webinar provides a comprehensive overview of Regulation X and Z escrow rules – the long-standing, the recently revised and the soon to be effective requirements.

The Real Estate Settlement Procedures Act (Regulation X) has contained rules for administering escrow accounts for many years. More recently the Truth in Lending Act (Regulation Z) was amended to require escrow accounts in connection with higher-priced mortgage loans. Recently the escrow rules contained in both regulations have been expanded and revised. The rules in Regulation Z are expanding again, effective August 1, 2015.

This webinar covers all of the escrow rules – the long-standing, the recently revised and the soon to be effective requirements of both Regulation X and Regulation Z.

Why Participate?

This program provides comprehensive coverage of the Regulation X and Regulation Z escrow rules. We explain, step-by-step, how to establish, maintain and cancel escrow accounts under the amended requirements. Suggestions for avoiding violations and penalties are provided.

Participants receive a detailed manual that provides a thorough explanation of all the escrow rules. Both the program and the program materials are updated for the Dodd-Frank revisions to the regulations.


  • Which loans are required to have escrow accounts and which are exempt;
  • Limitations on the amount of the required escrow payments at origination and over the life of the loan;
  • How to conduct an escrow analysis;
  • How to determine an escrow account computation year;
  • Calculation of the amount of the allowed cushion;
  • Rules for preparing the initial escrow account disclosure statement;
  • New Regulation Z rules regarding the escrow notices required in the Closing Disclosure, effective August 1, 2015;
  • How to prepare the annual escrow account statement;
  • How to resolve a surplus, a deficiency or a shortage;
  • Revised Regulation X rules for timely escrow payments and treatment of escrow balances;
  • New Regulation Z rules regarding escrow cancellation notices that are effective on August 1, 2015;
  • Recordkeeping rules for escrow accounts; and
  • Penalties for the failure to submit an initial or annual escrow account statement.


Jack Holzknecht, CRCM, is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. Jack’s career began as a federal bank examiner. He also headed the form and software division of a regional consulting company. He has developed and presented training programs to bankers in 43 states. He also developed and delivered training for the FDIC.

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2 hours/session


Live Webinar:

Member price: $275.00 | Non member price $550.00

On-Demand Webinar

Member price: $295.00 | Non member price $560.00


Online: Visit the CBA Webinar Catalog

Mail: Click here and mail completed form with check payable to ConferenceEdge to: (Mail at least 10 days prior to event)

1516 Xavier St., Ste 500, Denver, CO 80204

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)

Please Note:

  • Preferred Payment Method: Online
  • Please register online or by phone when paying with a credit card
  • Payment Must Accompany Registration – Invoices are Not Provided

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.