Small Creditor Revisions, ATR & QM Requirements

Join us for this two-hour webinar covering the Small Creditor criteria and how they affect your Ability to Repay (ATR), Qualified Mortgage (QM) and Higher-Priced Mortgage Loan (HPML) requirements. We’ll dive right into the what, how and when with plain English instruction and answers.

Covered Topics:

  • Small Creditor Categories & Criteria
  • Loss of Your Small Creditor Status & Transitioning
  • Rural & Underserved Service Test (Safe Harbors too)
  • Balloon QMs
  • Non-QM & QM Risk
  • Non-QM Ability to Repay Requirements
  • QM Ability to Repay Requirements
  • HPML Escrow Effects
  • HPML Appraisal Effects

Who Should Attend?

Management, loan officers, loan processors, compliance, audit and other risk management personnel.

Note: For this webinar, all questions submitted before or during the webinar will be answered during the live webinar, even if the time required exceeds two hours. If you register for any of our options (Live, OnDemand, CD) and would like to pre-submit questions before the live webinar date, please email those to When planning for the webinar, please allow extra time at the end if you wish to hear the Q&A. We regret that questions cannot be answered after the live webinar.