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Regulation Z: High Cost Mortgage Loans (HOEPA)

The Home Ownership and Equity Protection Act of 1994 (HOEPA) amended the Truth in Lending Act (TILA). The law imposed new disclosure requirements and substantive limitations on certain closed-end mortgage loans bearing rates or fees above a certain percentage or amount. This Regulation Z: High Cost Mortgage Loans (HOEPA) online training course details the Regulation Z rules of HOEPA.
SKU: P0174EN
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Regulation Z requires creditors to disclose the terms and cost of consumer credit transactions and includes rules meant to inform and protect consumers. There are specific requirements for transactions that are high cost mortgages.

The Home Ownership and Equity Protection Act of 1994 (HOEPA) amended the Truth in Lending Act (TILA). The law imposed new disclosure requirements and substantive limitations on certain closed-end mortgage loans bearing rates or fees above a certain percentage or amount. HOEPA sets the requirements for homeownership counseling, restrictions on loans, and certain protections and prohibitions. This Regulation Z: High Cost Mortgage Loans (HOEPA) online training course details the Regulation Z rules of HOEPA. This course is intended for lenders, loan operations staff, and compliance personnel.

 Course Learning Objectives

By taking this online Regulation Z: High Cost Mortgage Loans (HOEPA) course, the user will learn to:

  • Identify the types of transactions considered high cost mortgages
  • Know how to apply the HOEPA coverage test
  • Understand the prohibited acts and practices

Course Outline

This online Regulation Z: High Cost Mortgage Loans (HOEPA) course is made up of the following sections:

  1. Coverage
  2. Calculations
  3. Disclosures
  4. Limitations
  5. Homeownership Counseling

Course Audience

This Regulation Z: High Cost Mortgage Loans (HOEPA) online training course was designed for lenders, loan operations staff, and compliance personnel.

If you have any concerns as to whether this course is appropriate for you or your industry, please browse our full selection of online courses.

Products specifications
Course LanguageEnglish
Length Range30 Minutes or Less
Length (Hours)0.5
Course FeaturesAudio, Mobile, Accessible, Video
Module Number(s)40482EN