TRID Breakdown Part 2: Closing Disclosure for Fixed-Purchase, Variable-Refinance & Construction-Perm

November 9, 2023
Live Webinar
DateNov 9, 2023Duration90 minutes
08:00 AM PST09:00 AM MST
10:00 AM CST11:00 AM EST
    • Unlimited connections for your institution
    • Available on desktop, mobile & tablet
    • Take-away toolkit
    • Presenter’s contact info for questions
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  • Take-away toolkit
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Do you know the regulatory violation most often cited during compliance exams?

Hint: it involves Reg Z, and the mistakes usually contain a TRID component. Attend this two-part series to learn how to avoid those errors and comply with the regulations – before your next exam.
  • Describe the requirements for the fields in each section of the Closing Disclosure (CD)
  • Understand requirements for single-close and separate construction and permanent phase closings for construction loans
  • Review your projected payment amounts and other calculations for accuracy
  • Test charges subject to tolerance standards
  • Recognize when a corrected CD is required to be provided to your borrower


Issues with Reg Z are the number one cited violation during regulatory compliance exams – and many of the errors involve TRID. The examiners are digging deeper into disclosures and processes to ensure accurate documents are being provided to applicants. What issues are the examiners finding and how can you avoid similar errors?

Part 2 of this two-part series will move beyond the initial disclosure phase of the loan transaction and focus on the final disclosures required for closing. It will review sample Closing Disclosures for fixed-rate, variable-rate, and construction loans. Throughout the webinar, the presenter will discuss regulatory requirements, dive into the guidance, and reveal common CD errors.


This informative session is designed for loan officers, loan operations personnel, compliance officers, and internal auditors.


  • TRID tolerance chart
  • Formulas to test TRID calculations
  • Sample completed forms
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Presented By

Dawn KincaidDawn Kincaid
Brode Consulting Services Inc