Revised Escrow Rules: Review & Update

The rules have changed!  This webinar covers all of the escrow rules – the long standing and revised requirements of both Regulation X and Regulation Z.

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 certain loans. In the last year the escrow rules contained in both regulations have been revised. This webinar covers all of the escrow rules – the long standing and revised requirements of both Regulation X and Regulation Z.


  • Which loans are required to have escrow accounts and which are exempt;
  • The 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;
  • The calculation of the amount of the allowed cushion;
  • The rules for preparing the initial escrow account disclosure statement;
  • New Regulation Z escrow notices required in the Closing Disclosure;
  • How to prepare the annual escrow account statement;
  • How to resolve a surplus, a deficiency or a shortage;
  • Recently revised Regulation X rules for timely escrow payments and treatment of escrow balances;
  • New Regulation Z escrow cancellation notices;
  • The recordkeeping rules for escrow accounts; and
  • The penalties for the failure to submit an initial or annual escrow account statement.


The program is designed for compliance officers, operations personnel, mortgage loan officers, loan originators and others involved in mortgage lending.


Jack Holzknecht, CRCM, a principal with Pegasus Educational Services, LLC, has been delivering the word on lending compliance for 37 years. Jack’s career began as a federal bank examiner.  He also headed the form and software division of a regional consulting company and spent seven years in charge of their education division. He also developed and delivered training for the FDIC and OTS.

Credit Information

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


Live Webinar:

Member price: $265.00 | Non member price $530.00

On-Demand Webinar

Member price: $280.00 | 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.