When Loans Change: Handling Refinancings & Modifications

Compliance Lending

On-Demand Webinar

StreamedFeb 26, 2026Duration90 minutes

Unlimited & shareable access starting two business days after live stream
Available on desktop, mobile & tablet devices 24/7
Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

See Registration Options

When a borrower asks to change a loan today, the wrong move can trigger hidden compliance traps, surprise disclosures, and costly do overs for your institution.

Discover how to confidently decide whether to say yes, what changes to make, and exactly when new disclosures, appraisals, flood determinations, and rescission rights really apply in this thorough session.

KEY WEBINAR TAKEAWAYS

New disclosures required when a loan is changed
When to obtain a new flood determination, order a new appraisal or evaluation, or order a new credit report, among other requirements
Fair lending requirements that apply when changing a loan
When changing an existing mortgage loan becomes HMDA-reportable

BONUS MATERIALS

Website links to all applicable legal and regulatory requirements
Helpful charts to better understand the various requirements

WEBINAR DETAILS

Making changes to an existing loan can be a challenging endeavor, especially in today’s dynamic regulatory environment. Lenders face requests to change loans for a variety of reasons, whether it be to obtain better terms, extend loan terms, or perhaps because of delinquency or default. What are the relevant compliance implications when dealing with these requests? What types of disclosures must be provided, if any? Must new appraisals or flood determinations be obtained? Must rescission rights be provided? We’ll provide answers to all these questions and more.

This webinar will deal with the ins and outs of making changes to loans of all types. We’ll discuss the compliance and legal requirements, operational challenges, and impacts to borrowers, guarantors, and other parties to the loan. We’ll also deal with the threshold question: should the lender grant the borrower’s request in the first place (and if so, what accommodations or changes should be made)?

WHO SHOULD ATTEND?

Loan officers
Lending and operations management
Compliance professionals
Auditors
Legal staff

TAKE-AWAY TOOLKIT

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.

TESTIMONIALS

"Carl was very knowledgeable with the topics and his enthusiasm kept the webinar interesting. He covered all possible questions that we had and answered all incoming questions. The different scenarios he provided were very helpful."

- Khaum, Coulee Bank