Compliance Resource training manuals are designed to be used when conducting in-house training, whether initial training upon implementation of the new requirement, periodic training for new team members or remedial training for longer-term team members. The ATR/QM rules have been in use for two years. Changes to Regulation Z published by the Consumer Financial Protection Bureau on September 21, 2015 revised the Ability to Repay/Qualified Mortgage (ATR/QM) options available to all financial institutions. One of the existing options expires on April 1, 2016 and other options are revised effective January 1, 2016. The Revised ATR/QM Training Manual covers all seven ATR options, including the five QM options, as well as the the new small creditor and rural and underserved areas rules.