{"product_id":"getting-escrows-right-in-2026","title":"Getting Escrows Right in 2026","description":"\u003cp class=\"x_MsoNormal\" data-olk-copy-source=\"MessageBody\"\u003eEscrow compliance is tough!  Not many rules cover such a broad scope over the full life of the loan.  Escrowing touches nearly every element of loan compliance in some way:  RESPA, TILA, TRID, HPMLs, Flood, and Fair Lending.  That’s an intimidating list! Moreover, it is a high-stakes endeavor.  Getting it wrong causes consumer harm and potential reputational damage.  Failing to accurately pay taxes when due will cause fines and penalties, and make your bank look inept in its fiduciary capacity.  Failing to accurately disclose escrow items or properly analyze escrow accounts will bring regulatory violations and upset borrowers.  There is a lot on the line!\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cb\u003e\u003cu\u003eTopics covered in this course\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003eRESPA\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cul type=\"circle\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003eBig picture: The difficulty of applying escrowing rules to taxes paid in arrears\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eEscrow analysis:  Why, when, and how\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003ePayment shock:  why it happens and what can be done about it\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eEscrow statements: why, when, and how\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eEscrow balances:  The Goldilocks test:\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eTimely escrow payments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ul\u003e\n\u003cp class=\"x_MsoNormal\"\u003eTRID\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cul type=\"circle\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003eEscrow’s impact on the LE and CD\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eAggregate adjustments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ul\u003e\n\u003cp class=\"x_MsoNormal\"\u003eReg Z\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cul type=\"circle\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003eEscrow Closing Notice\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eHPML Escrow rules\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ul\u003e\n\u003cp class=\"x_MsoNormal\"\u003eFlood Insurance\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cul type=\"circle\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003eMandatory escrow rules\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eExceptions and exemptions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003e*\u003cmeta charset=\"utf-8\"\u003e\u003cspan data-contrast=\"auto\" lang=\"EN-US\" class=\"TextRun SCXW103557044 BCX0\"\u003e\u003cspan class=\"NormalTextRun SCXW103557044 BCX0\"\u003eThis\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW103557044 BCX0\"\u003ecourse\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW103557044 BCX0\"\u003edoes NOT qualify, nor meet the National Standard for NASBA accreditatio\u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW103557044 BCX0\"\u003en.\u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"EOP Selected SCXW103557044 BCX0\" data-ccp-props='{\"134233117\":false,\"134233118\":false,\"335559738\":210,\"335559739\":210}'\u003e \u003c\/span\u003e\u003c\/p\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":47130754023599,"sku":"ODC0609262","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/GettingEscrowsRightin2026.png?v=1776461026","url":"https:\/\/www.bankershub.com\/products\/getting-escrows-right-in-2026","provider":"BankersHub","version":"1.0","type":"link"}