Mission TRID: Overcoming Examiner-Cited Mistakes

Mission TRID: 
Overcoming Examiner-Cited Mistakes 

Tuesday, August 16, 2022 
11:00 am – 12:30 pm Eastern

Don’t let a TRID mistake cost you a citation – or worse.  This is your chance to get the goods on TRID, including loan estimates and closing disclosures.  Improve your accuracy (and customer service) with this detail-driven webinar.


  • Define which loans are covered by TRID rules
  • Describe the requirements for each section of the Loan Estimate (LE) and closing disclosure (CD)
  • Distinguish between a loan’s “purpose” under TRID versus HMDA versus URLA
  • Explain when a revised LE is necessary
  • Understand requirements for both single- and separate-close construction loans and permanent-phase closings
  • Review the accuracy of projected payments and other calculations 
  • Test charges subject to tolerance standards
  • Recognize when a corrected CD is required 


TRID continues to top the list of examiners’ most-cited violations.  The issue may be as small as a missed checkbox or as large as a fee increase that results in a tolerance cure to the borrower.  Compliance efforts over the last several years have been devoted to implementing TRID and ensuring disclosures are provided to borrowers in a timely, accurate manner.  But TRID rules continue to grow and evolve – and examiners are diving deeper into disclosures and processes to ensure you are providing accurate documents to applicants and borrowers.  This session will review sample disclosures for fixed-rate, adjustable-rate, and construction loans. As the documents are reviewed, the speaker will address regulatory requirements, dive into the guidance, and review common errors when completing the LE and CD.


This informative session is directed to loan officers, mortgage officers, loan processors, loan operations staff, compliance officers, and internal audit staff.  


  • 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


Dawn Kincaid, Brode Consulting Services, Inc.

Dawn Kincaid began her banking career while attending The Ohio State University.  She has over 20 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance.  Most recently Dawn served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized implementation of new products and services.  Dawn has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer.  She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits and exams, and presented for numerous state associations.

Attendance verification for CE credits provided upon request.

Webinar Sponsored by Financial Education & Development

If you are having issues with registering online, please contact CBAO's Education, Training & Special Events Coordinator, Malia Widder, (614) 610-1877.

Registration Options (Member/Non-Member Pricing)
Live Webinar ($265/$400) – The live webinar option allows you to have unlimited connections within your institution to virtually attend the Live Webinar. The session includes question and answer sessions, handout and take-away toolkit, and the presenters contact information for follow-up, will all be emailed to you the morning of the live webinar.

On-Demand Webinar + Free Digital Download ($295/$450
– Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 2 business days after the live webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

Both Live Webinar & On-Demand Webinar + Free Digital Download ($395/$600
– Includes Live Webinar and Recorded Webinar options above.


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