AARMR offers several Training School opportunities for state regulators (General Members) throughout the year. These schools provide the opportunity to meet face-to-face with other state regulators, discuss topics of common interest, exchange ideas about challenges and solutions facing the mortgage regulation community and the industry, and to learn about new business models and approaches. These schools are open ONLY to state regulatory agencies (General Members).
To access ARCHIVED MATERIALS, including video recordings and handouts, of prior examiner training schools not found on this page, General Members can login to this website (see red Login button at top right corner of screen), navigate to ‘MEMBERS ONLY’, scroll to the bottom of the page and use the pull down menu of years.
REGISTRATION OPEN: AARMR-CSBS Spring 2025 In-Person Examiner Training School
The Examiner’s Toolkit: Navigating Mortgage Servicing Loan Files
April 29 – May 1, 2025 (Tuesday, Wednesday and half day Thursday)
Minneapolis, Minnesota
EARLY BIRD REGISTRATION DEADLINE: Thursday, March 27, 2025
NOTE: This training is available only for staff of AARMR’s General Members (state regulators). Only AARMR General member representatives who are logged in to this website may access certain details about this event, including how to register.
If you work for an AARMR General Member, login to this website by clicking the red “login” button in the top right corner. Then return to this Training Schools page (under the Events menu) to access more detailed information about this Training School.
Don’t yet have a website account? You can create a personal account on this website, by using your business email address to confirm that you’re employed by an AARMR member organization. To learn more about this process, visit How to Create an AARMR Website Account.
Training School Overview
This 2 1/2 days of training is provided by AARMR and the Conference of State Bank Supervisors (CSBS), and is designed to empower state mortgage regulators with the knowledge and skills needed to conduct thorough and effective reviews of mortgage servicing loan files. Focusing on both foundational and advanced concepts, this program addresses key aspects of loan servicing and highlights common violations of federal law, ensuring that examiners are well-prepared to identify and address compliance issues.
The training will cover essential topics, such as:
- Loan Boarding: Ensuring accurate transfer of loan information from origination to servicing
- Escrow Account Maintenance: Reviewing compliance with requirements for escrow accounts, including calculations, disbursements, and notices
- Periodic Statements: Evaluating compliance with disclosure requirements under federal law
- Payment Processing: Identifying errors or delays in payment application
- Mortgage Insurance & Force-Placed Insurance: Ensuring proper notification and compliance with insurance-related requirements
- Adjustable-Rate Mortgages (ARMs): Analyzing rate adjustments, notifications, and compliance
- Mortgage Loan Payoffs: Ensuring accurate payoff calculations and timely processing
- Loss Mitigation: Reviewing practices for foreclosure alternatives and borrower communication
- Bankruptcy: Navigating servicing obligations for borrowers in bankruptcy
- Foreclosure: Assessing compliance with state and federal foreclosure requirements
This interactive training incorporates case studies, group discussions, and hands-on exercises, allowing participants to build confidence in identifying red flags and conducting detailed file reviews. By the end of the program, examiners will leave with practical tools and a deeper understanding of mortgage servicing, enhancing their ability to safeguard consumer interests and uphold regulatory standards. The training will begin at 9:00 AM on Tuesday, April 29 and conclude by 12:00 noon on Thursday, May 1.
AARMR + CSBS: SES Webinar #2
Wednesday, February 26, 2025
2:00 – 3:00 pm Eastern
Complimentary
Webinar Description
The American Association of Residential Mortgage Regulators (AARMR) and the Conference of State Bank Supervisors (CSBS) invite you to attend the second in the new series of webinars focused on SES (State Examination System). This SES webinar series is being hosted by CSBS and is offered exclusively for representatives of AARMR General members (state regulatory agencies).
If you are new to SES or would like to learn SES best practices from other mortgage examiners, then this is the webinar for you!
In this webinar, an examiner will provide a demo on how to initiate an exam, define the scope and discuss the work program badge, among other topics. Participants will also get insights from examiners on how they plan for an exam (pre-work) in SES. This will be an interactive session, so come ready with your questions.
NOTE: Only AARMR General member representatives who are logged in to the AARMR website may view more detailed information about this webinar, including how to register.
If you work for an AARMR General Member, login to this website by clicking the red “login” button in the top right corner. Then return to this Training Schools page (under the Events menu) to access additional details about the webinar, including the link to register.
MATERIALS AVAILABLE: AARMR + CSBS: SES Webinar #1
Thursday, December 12, 2024
Webinar Description
On December 12, 2024, AARMR and the Conference of State Bank Supervisors (CSBS) offered the first in a new series of webinars focused on SES (State Examination System). This SES webinar series is being hosted by CSBS and is offered exclusively for representatives of AARMR General members (state regulatory agencies).
This first webinar was designed for those who are new to SES or would like to learn SES best practices from other mortgage examiners. Participants heard first-hand from a mortgage examiner about how they have benefited from using SES. They also gained insights from other examiners on how to plan for an exam in SES.
NOTE: Only AARMR General member representatives who are logged in to the AARMR website may access materials from this webinar.
If you work for an AARMR General Member, login to this website by clicking the red “login” button in the top right corner. Then return to this Training Schools page (under the Events menu) to access these webinar materials.
Don’t yet have a website account? You can create a personal account on this website, by using your business email address to confirm that you’re employed by an AARMR member organization. To learn more about this process, visit How to Create an AARMR Website Account.
MATERIALS AVAILABLE: Spring 2024 Examiner Training School
Topics:
- MLO Compensation
- RESPA Section 8 and MSAs
- Mortgage Advertising
March 19-21, 2024
Baltimore, Maryland
NOTE: Training materials from this school are available only for staff of AARMR’s General Members (state regulatory agencies).
If you work for an AARMR General Member, login to this website by clicking the red “login” button in the top right corner. Then return to this Training Schools page (under the Events menu) to access the agenda and presentation files for the March 2024 school.
Don’t yet have a website account? You can create a personal account on this website, by using your business email address to confirm that you’re employed by an AARMR member organization. To learn more about this process, visit How to Create an AARMR Website Account.
The CSBS-AARMR Mortgage Examiner Training Available Online Now
- This comprehensive training package is designed for newly hired examiners’ first day on the job and as a refresher for more experienced examiners.
- Your department will be closely involved in your examiner’s training throughout the course. Each of the chapters in the course ends with a “Next Steps” assignment that often requires involvement of more senior department staff.
- A score of 80%+ on courses incorporated into the curriculum is required to successfully complete this program.
- Successful completion of this program will allow examiners to apply for certification through CSBS at no cost.
- We estimate that a commitment of 80 hours will be required to successfully complete the course. It may be completed without a break or over the course of weeks or months.
- There is no registration fee for this course.
NOTE: This training is currently being updated to reflect changes in the industry and updates to regulations. The updated version is planned to launch in 2025.
To Register
For more information and to register, visit the CSBS Mortgage Examiner Training event summary. Within two business days of registering, you will be enrolled in the training curriculum in FLEX, which requires access to the Okta Single Sign On platform. If you have any questions about FLEX or the training courses, please reach out to [email protected]. If you have any questions about Okta, please reach out to the Regulatory User Group, [email protected].
AARMR's Various Training School Opportunities
Basic Examiner School
The purpose of the basic school is to provide state residential mortgage regulators/examiners with a brief overview of the mortgage industry and a more comprehensive overview of the federal regulations used during mortgage banking examinations.The school will provide an understanding of the industry to new examiners and is geared towards examiners with one year or less experience examining mortgage companies.
Advanced Examiner School
The purpose of the advanced school is to provide participants with updates on federal regulations and recent trends in the mortgage industry.
Fraud School
The purpose of the fraud school is to provide participants with the skills and tools necessary to identify, understand, and document fraud in the mortgage industry.
Licensing School
The purpose of the licensing school is to provide an informational and instructional forum for State licensing staff. The school will provide attendees with the opportunity to meet face-to-face with other State licensing regulators, to discuss topics of common interest, to exchange ideas about problems and solutions facing government staffs, and to learn about new business models, new approaches to licensing issues, and the new Nationwide Mortgage Licensing System (NMLS).