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CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program
Content:
Do you
know how the term “application” is defined in all of the lending
regulations? Do your lenders and front-line staff understand the difference
between an application and an inquiry? What steps must be taken when an
application is submitted? What can go wrong? Join this fast-paced webinar
to understand the application process with step by step instructions and
actual examples that explain the requirements of several confusing
regulations in terms that are easy to understand.
Covered
Topics:
- Learn what specific information will help you to
handle applications correctly.
- What are the top five mistakes made in application
processing?
- Overview of application and timing of disclosures
for consumer, mortgage, and commercial loan applications.
- When does an application have to be in writing?
Does it have to be signed? What are the signature rules for
applications?
- What are the rules for appraisal copies? Reg B did
NOT exempt commercial purpose loans secured by a 1st lien on a 1-4
dwelling.
- How do you properly document the “joint intent” to
apply?
- When is an adverse action notice required? What
must it contain? Who receives one?
- When can you pull a credit bureau? What
documentation should be kept?
- Recap of the collection of “demographic
information” for HMDA reportable applications under the 2018 rules.
Who
Should Attend?:
This
interactive session is a cost-effective way to gain a greater understanding
of the rules about accepting and processing applications. This informative
session will benefit loan officers, loan assistants, loan operations staff,
compliance officers, auditors, and trainers. Covered topics will be
included for consumer, mortgage, and commercial lenders.
BONUS – Reg Z REQUIRES that
loan originators have “periodic training” to ensure “knowledge of Federal
legal requirements that apply to the individual loan originator’s loan
origination activities.” This session will satisfy a significant portion of
this 2019 TRAINING REQUIREMENT.
Please
forward email to appropriate person(s).
Instructor:
Susan
Costonis is a compliance
consultant and trainer. She specializes in compliance management along with
deposit and lending regulatory training. Susan has successfully managed
compliance programs and exams for institutions that ranged from a community
bank to large multi-state bank holding companies. She has been a compliance
officer for institutions supervised by the OCC, FDIC, and Federal Reserve.
Susan has been a Certified Regulatory Compliance Manager since 1998,
completed the ABA Graduate Compliance School, and graduated from the
University of Akron and the Graduate Banking School of the University of
Colorado. She regularly presents to financial institution audiences in
several states and “translates” complex regulations into simple concepts by
using humor and real life examples.
What
Is A Webinar?:
A
webinar combines the clarity of an audio teleconference with the
interactivity and visual presentation of the internet. All you need to participate
is a telephone and an internet connection. Even if you don't have an
internet connection, you can still participate in the audio session.
Listening to the program over the telephone and following the written
materials is an effective alternative!
Unable
To Attend?:
No
problem. You can purchase a recording of the webinar for future use. You
can choose from either an On-Demand Web Link (Good for 6 months from the
webinar date, unlimited use) or a CD-ROM (includes a paper copy of the
PowerPoint slides).
Viewing
Options (all options include applicable handouts):
All
options include applicable handouts. You can choose to pay by credit card
or be billed. Additional Live Webinar connections are $75 each.
Option 1: Live
Webinar and 7 Days OnDemand Video Playback - $265
Option 2:
OnDemand Video (six months access) - $295
Option 3: Live
and 6 Months of OnDemand Video - $365
Option 4: CD-ROM
Video (Includes OnDemand Video) - $345
Option 5: Entire
Package (all of the above) - $395
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