Reg Z Ability to Repay (ATR) and Qualified Mortgage (QM) for Compliance Professionals

Explains the ability to repay rules for all Regulation Z closed-end mortgages, including the eight minimum underwriting factors and the special circumstances that qualify for transitioning nonstandard to standard mortgage loans. Describes the purpose and qualifications associated with the qualified mortgage rules.

Updated: Aug. 2017
Re-versioned: June 2016


Learning Obj​​​​ectives

After completing this course, students will be able to:
  • Describe the Ability to Repay rules for covered Regulation Z closed-end mortgages
  • Explain the purpose and qualifications for the Qualified Mortgage rules 


Compliance and risk management professionals including compliance managers, officers, and other team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.​

Course Credits

Your Instructor

Carl Pry
Senior Director
Treliant Risk Advisors, LLC

Carl is a Senior Director for Treliant Risk Advisors, located in Washington, DC. Formerly he served as Senior Vice President and Compliance Manager in Compliance and Control for KeyBank in Cleveland, OH. Carl is a frequent contributor to and serves on the editorial advisory board of the ABA Bank Compliance magazine.
​​​​​​​​Questions? Contact ABA Training​ for more information.

 Benefits of Self-Paced Training

  • Ultimate flexibility
  • Quizzes to support learning
  • Mobile format available

 Registration & Pricing


Individual Purchase:
ABA Member • $275
Non-Member • $375

Purchase for a Team:
To license this course to your bank for multiple learn​ers, please contact ABA Training.


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