Escrow Rules Review & Update
Comprehensive coverage all of the escrow rules, including the long standing rules and recently revised requirements.

The Real Estate Settlement Procedures Act (Regulation X) has contained rules for administering escrow accounts for many years.

The Truth in Lending Act (Regulation Z) requires escrow accounts in connection with higher-priced mortgage loans. Interagency flood regulations were amended to add revised escrow rules. This program explains step-by-step how to establish, maintain and cancel escrow accounts under the amended requirements, along with suggestions for avoiding violations and penalties.


Attend this webinar to gain a better understanding of:

  • Which loans are required to have escrow accounts and which are exempt
  • Limitations on the amount of required escrow payments
  • How to conduct an escrow analysis
  • How to determine an escrow account computation year
  • How to calculate the amount of the allowed cushion
  • Rules for preparing the initial escrow account disclosure statement
  • TRID rules required in the Closing Disclosure
  • The expanded Flood Hazard Notice for escrow information
  • The flood insurance option to escrow notice
  • How to prepare the annual escrow account statement
  • How to resolve a surplus, deficiency or shortage
  • Revised rules for timely escrow payments and treatment of escrow balances
  • Rules regarding escrow cancellation notices
  • The recordkeeping rules
  • Penalties for failure to submit an escrow account statement


Compliance officers, operations personnel, mortgage loan officers, loan originators and others involved in opening and maintaining escrow accounts for mortgage loans.


Jack Holzknecht, CRCM, is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 40 years. He has developed and presented training programs to bankers in 43 states. He also developed and delivered training for the FDIC for ten years.

Kelly M. Owsley, CRCM, is Director of Training Services for Compliance Resource, LLC, Kelly’s career in banking began in 2000. Since then she has worked for financial institutions ranging in asset size from $250 million to $3 billion.

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 $590.00


Online: Visit the CBA Webinar Catalog

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.