Jan 9, 2026
Detailed discussion around the laws and regulations that apply to establishing and maintaining escrow accounts for consumer mortgage loans.
January 9, 2026
11:00 am - 1:00 pm EST
Setting up and managing escrow accounts, also known as impound accounts, can be a daunting exercise. There are several regulatory rules that impose certain requirements, primarily under RESPA, which have detailed requirements around how to establish and maintain an escrow account for a consumer mortgage loan. The rules also place limitations on how much can be maintained in the account, and what to do if there is too much (surplus) or not enough (shortage or deficiency) in the account. Regulation Z (for Higher-Priced Mortgage Loan transactions) and the flood insurance regulations also have rules that require a lender to escrow for various items in certain instances. Then there are requirements under Reg. Z’s TRID rules that mandate how the initial escrow payments should be disclosed. Keeping these requirements straight can be a hassle – lenders must know which of the requirements applies in what circumstance, meaning the loan type. Not all the requirements apply to all real estate transactions, for instance.
It is clear that the regulatory agencies (and Congress) favor escrows, as they even out a borrower’s payment responsibilities and therefore lessen the likelihood of default. It’s important to get the rules right. This webinar will provide you with the information you need to understand the requirements, the laws, and the regulations that deal with escrow accounting. We'll discuss disclosure requirements and where escrow information will appear on disclosure forms, as well as general escrow mandates, among other information.
What You'll Learn
Carl Pry, CRCM, CRP
Asurity Advisors
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Advisor for Asurity Advisors in Washington, DC. Through his more than 35-year working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves as the Chair of the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.
Who Should Attend?
This session is ideal for mortgage lenders, originators, compliance professionals, auditors, senior management, and anyone else involved in the mortgage or escrow process.
Continuing Education Credit Information
Dealing with Escrows: Regulatory Requirements Under Various Rules has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.
Live Webinar - $299.00
Available Upgrades
**100% surcharge applied to non-members.
Katie Yates
Education Coordinator
o: 317-387-9380
d: 317-333-7162
kyates@indiana.bank