TILA & Loan Accounting Seminar
October 24–25, 2026
12–2 PM Central Time each day
Two sessions | Four hours of instruction
Learn how to examine your loan contract and disclosures, spot potential Truth in Lending Act violations, understand the accounting behind your loan, and take steps to enforce your consumer rights.
This two-day seminar connects TILA with practical accounting examples. We’ll show you what to look for, which records can support your findings, and how to move from identifying a problem to choosing the appropriate dispute or enforcement procedure.
Day 1: TILA, Contract Review & Consumer Rights
We’ll cover:
• What a finance charge is and which fees must be included or may be excluded
• The differences between interest rate, APR, amount financed, and total of payments
• How to review contracts and required disclosures for missing information, improperly classified charges, and inaccurate figures
• How to recognize potential TILA violations while accounting for applicable exceptions and accuracy tolerances
• Early payoff and refunds of unearned interest
• Qualifying billing errors, proper written notices, and creditor response deadlines
• How to enforce applicable rights through disputes and civil claims, including remedies, filing deadlines, and supporting evidence
We’ll walk through a sample loan contract and disclosure statement so you can practice identifying potential violations and connecting each issue to the applicable requirement.
Day 2: Loan Creation, Accounting & Requests for Records
We’ll cover:
• Accounting basics: assets, liabilities, debits, and credits
• How banks create and record loans and customer deposits
• How loan proceeds are disbursed and payments are applied
• How principal, interest, fees, credits, and adjustments affect your balance
• How to compare account histories with statements, contracts, and disclosures
• How to prepare focused requests for records supporting disbursements, charges, payment allocation, and claimed balances
• How ordinary records requests, statutory disputes, and court discovery differ
We’ll examine a sample account history, identify discrepancies, and demonstrate how to request the documentation needed to investigate them.
What You’ll Learn to Do
Review loan documents for potential TILA violations, check whether account records support the numbers you’re being charged, and organize evidence for a dispute or civil claim. You’ll learn how to identify the applicable legal requirement, select the appropriate enforcement procedure, and understand the remedies and limits involved.
No prior accounting experience is required. Register for both days and learn how to examine your loan, spot potential violations, and enforce your consumer rights!
October 24–25, 2026
12–2 PM Central Time each day
Two sessions | Four hours of instruction
Learn how to examine your loan contract and disclosures, spot potential Truth in Lending Act violations, understand the accounting behind your loan, and take steps to enforce your consumer rights.
This two-day seminar connects TILA with practical accounting examples. We’ll show you what to look for, which records can support your findings, and how to move from identifying a problem to choosing the appropriate dispute or enforcement procedure.
Day 1: TILA, Contract Review & Consumer Rights
We’ll cover:
• What a finance charge is and which fees must be included or may be excluded
• The differences between interest rate, APR, amount financed, and total of payments
• How to review contracts and required disclosures for missing information, improperly classified charges, and inaccurate figures
• How to recognize potential TILA violations while accounting for applicable exceptions and accuracy tolerances
• Early payoff and refunds of unearned interest
• Qualifying billing errors, proper written notices, and creditor response deadlines
• How to enforce applicable rights through disputes and civil claims, including remedies, filing deadlines, and supporting evidence
We’ll walk through a sample loan contract and disclosure statement so you can practice identifying potential violations and connecting each issue to the applicable requirement.
Day 2: Loan Creation, Accounting & Requests for Records
We’ll cover:
• Accounting basics: assets, liabilities, debits, and credits
• How banks create and record loans and customer deposits
• How loan proceeds are disbursed and payments are applied
• How principal, interest, fees, credits, and adjustments affect your balance
• How to compare account histories with statements, contracts, and disclosures
• How to prepare focused requests for records supporting disbursements, charges, payment allocation, and claimed balances
• How ordinary records requests, statutory disputes, and court discovery differ
We’ll examine a sample account history, identify discrepancies, and demonstrate how to request the documentation needed to investigate them.
What You’ll Learn to Do
Review loan documents for potential TILA violations, check whether account records support the numbers you’re being charged, and organize evidence for a dispute or civil claim. You’ll learn how to identify the applicable legal requirement, select the appropriate enforcement procedure, and understand the remedies and limits involved.
No prior accounting experience is required. Register for both days and learn how to examine your loan, spot potential violations, and enforce your consumer rights!