Decoding ATR/QM Requirements: Ensuring Your Documentation Is Squared Away

This detailed session will explain the ATR and QM requirements under Reg Z. Learn how to properly document loan files, verify borrower information, and apply the key provisions that determine whether a loan meets QM standards. We’ll also discuss how QM functions as a risk classification rather than a compliance category, helping lenders align decisions with institutional risk policies. Gain clarity on how to evaluate terms, manage exceptions, and position your organization for sound, well-documented consumer mortgage lending.

This informative webinar will cover the chief requirements when underwriting a consumer mortgage loan under Regulation Z’s Ability-to-Repay (ATR) and Qualified Mortgage (QM) provisions. Learn how to appropriately document the loan file and demonstrate the verification rules that underpin these requirements. The QM provision is not necessarily a compliance provision, but rather a risk classification. It is important that mortgage lenders understand the distinctions, and therefore the risks in offering various terms and conditions. You must know the organization’s position regarding QM versus non-QM loans in order to make the appropriate decision as to what precisely to do.

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