September 22, 2025 | Online Learning Opportunity
Educational Investment: $359 per Credit Union, unlimited participants

This training is intended for beginner mortgage loan originators as well as those seeking a comprehensive refresher; experienced MLOs are encouraged to attend our advanced session in November.

Join Regulatory Compliance Counsel, Michael Christians, on September 22^nd for loan originator training. This all-day session, designed to satisfy the loan originator training requirement found in Section 1026.36 of Regulation Z, will cover the following topics:

• Loan Originator Basics (SAFE Act, RESPA Section 8, and the E-Sign Act)

• Application Requirements (Application Disclosures and the Collection of Monitoring Information)

• Underwriting Requirements (ATR/QM, Higher Priced Mortgage Loans, High-Cost Mortgages, Appraisals, Reconsiderations of Value, Automated Valuation Models, Flood Insurance, and Adverse Action) 

• Closing Requirements (Closing Disclosure, Right to Cancel)

• Servicing Requirements (Regulation Z and Regulation X)

• Fair Lending Considerations (Equal Credit Opportunity Act, Fair Housing Act, and the Home Mortgage Disclosure Act) 

This training is hosted by Kentucky's Credit Unions and offered in collaboration with Indiana, Louisiana, Mississippi, Tennessee, and West Virginia.  For more information, or to register, please click the button below.

About the Speaker

Michael Christians

As principal of Michael Christians Consulting, LLC, Michael assists financial institutions and organizations across the country with ensuring their compliance programs conform to Federal laws and regulations. He provides counsel relative to current rules, assists with the strategic implementation of upcoming regulatory changes and offers customized education and training services.

Michael has more than two decades of experience in the financial services industry with a primary focus on consumer compliance. He obtained his Juris Doctorate from Drake University Law School. He is a member of the Iowa State Bar where he is licensed to practice law.

SCHOLARSHIPS ARE AVAILABLE.  The deadline to register is September 12, 2025.  If you are a non-Kentucky credit union and would like to apply for a scholarship, please contact your state's league or association. 

General Information

Cancellation Policy.  Refunds will be issued until seven days prior to the event date less $50 administration fee per person.  Substitutions are accepted at any time.  All cancellations or substitutions must be submitted in writing.

More Information.  Call (502) 855-8203 / (800) 333-5285 ext 203 or email Janet Garrett.

CODE OF PROFESSIONAL CONDUCT

The registrant agrees to conduct his/herself in a cordial manner. KCUs will not tolerate any registrant who creates a disturbance; is disrespectful to any other registrant, any member of KCUs, its speakers and attendees, exhibitors, volunteers or staff. KCUs reserves the right, in its sole discretion, to investigate any complaint and to dismiss any registrant found by KCUs, in its sole discretion, to have violated the Code of Professional Conduct, without refund of registration fees.