Jon Tavares
Regulatory Compliance Consultant
Jon Tavares, JD, LLM, CRCM, NCCO is an independent regulatory compliance consultant and trainer. Having served as Corporate Counsel for a community bank, Compliance Officer at a regional bank, and Regulatory Change Manager at a large bank, Jon has varied and wide-ranging experience. He is knowledgeable in all aspects of banking compliance with an emphasis on advertising, military lending, mortgage, and privacy rules. He earned a Bachelor of Arts from San Diego State University and Master of Laws and Juris Doctor degrees from The University of Alabama School of Law. He is a Certified Regulatory Compliance Manager and NAFCU Certified Compliance Officer.
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Complying with the 2017 TRID Amendments
The CFPB issued a rule in July modifying the federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act ("RESPA") and the Truth in Lending Act that are implemented in Regulation Z. This rule makes the CFPB's informal guidance on various issues official and makes several additional clarifications and technical changes. The rule also creates tolerances for the total of payments, adjusts a partial exemption mainly affecting housing finance agencies and nonprofits, extends coverage of the TILA-RESPA integrated disclosure ("TRID") requirements to all cooperative units, and provides guidance on sharing the disclosures with various parties involved in the mortgage origination process.
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Understanding the New Mortgage Servicing Requirements
In August 2016, the Consumer Financial Protection Bureau ("CFPB") publish its latest revision of the Title XIV: Mortgage Servicing Rules under Regulations X (RESPA) and Z (Truth-in-Lending Act), which will become effective in two stages on October 19, 2017, and April 19, 2018. The changes affect nine major aspects of mortgage loan servicing that will have an impact on all mortgage servicers, large and small. The CFPB issued minor technical corrections to the final rule in June 2017.
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The Telephone Consumer Protection Act: How to Safely Contact Your Customers and Prospects
The FCC and CFPB are actively registering consumer complaints and taking action to bar financial institutions from making unsolicited contact with customers. This is affecting the smallest financial institution all the way up to banking titans like Bank of America and Wells Fargo. In 2014, Capital One's $75 million settlement deal made history as one of the largest on record involving alleged calls placed without prior customer consent. In this informative session, you'll learn about the TCPA, recent FCC interpretations, and practical tips for avoiding TCPA claims.
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