04 Sep (H) CFPB Update (H) CFPB Update Friday, September 4, 2015 (10:00 AM to 12:00 PM) Details You're Registered! DescriptionLocationInstructors Sign-in: 9:30 am Class: 10:00 am - 12:00 pm Members: $15 / Onsite: $25 Non-Members: $30 / Onsite $50 After the 2008 financial meltdown, Congress established the Consumer Financial Protection Bureau (CFPB). Among its first tasks was the combination of forms provided to borrowers at both the beginning and end of their loan transaction. In 2013, CFPB published its final rule revealing these two new combined forms. This presentation will review the Five things Real Estate Agents Need to know Before October 1st: Be able to explain the new Loan Estimate and Closing Disclosure Timing of closings are impacted by disclosure delivery rules Title fees may need to be adjusted at closing and explained Line numbers have been removed and there are now 7 fee areas Your client will likely receive more than one Closing Disclosure Richard Breger Richard is the founder and owner of Empire Title Services. A native Floridian, Richard attended the University of Miami and Boston University before graduating from the University of Florida with a Bachelor of Arts degree. He continued his education at the University of Florida and graduated from its law school in 1981 with honors and as a member of the prestigious Law Review. To further his education, Richard returned to law school at the University of Miami and earned a Master of Laws (LL.M.) Degree in Estate Planning in 1995. Richard's involvement in the community includes service as President of the North Dade Bar Association and President of The Forum of North Dade. He has also served as a Miami-Dade County Civil Traffic Infraction Hearing Officer since 1993. Richard practices law and specializes in real estate transactions, general civil litigation, estate planning and probate. Richard's extensive legal experience, which helps him prevent and resolve difficult legal issues, provides a great benefit to the customers of Empire Title Services.