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CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program
Content:
Fair
lending is a hot topic right now, as always. Despite changes in the
regulatory and enforcement environment, there are issues every lender
should be aware of. As well, there are new ways of looking at lending
patterns, activities, and risks.
How is
your fair lending program? Have you accounted for these new risks examiners
are looking for? This program will help you to understand the extent and
particulars of Regulation B, the Fair Housing Act (FHA), and guidance the
regulatory agencies (including the CFPB) have introduced recently. We’ll
also discuss trends in fair lending and the direction Congress, agencies,
and the courts are likely to go in the new future.
Covered
Topics:
- Prohibited bases under the rules (what you can do,
as well)
- Evaluating applications and underwriting – what you
can and cannot consider
- Government monitoring information – when to get it
and how to handle it
- Fair lending litigation trends and lessons,
including the future of disparate impact
- Redlining (including reverse redlining) – what is
it, how do we analyze it, and what is new (hint: plenty)
- "Intrabank" vs. "Interbank"
redlining analyses, including the opportunity assessment
- Digital redlining concerns
- REMA/Marketing Area/Service Area – what is this?
What should we do to be ready for our next exam?
- Dealing with small business loans
- Treatment of income and other underwriting issues
- Fair lending issues in the servicing environment
- Proxies and the BISG method – should we do this?
- Advertising and disclosing in a foreign language –
what are the rules?
- The future of DFA 1071 – will this ever happen?
- CRA as a fair lending tool
- Developing an effective and comprehensive fair
lending CMS
- "Convergence" with UDAP/UDAAP – what
should we do?
- Consequences for violating the rules – not just
fines
- And more
Plus
frequent question and answer sessions throughout this presentation.
Who
Should Attend?:
Anyone
in the institution having virtually any responsibility in the lending
process has fair lending responsibilities, from senior management, loan
officers, underwriters, and closing agents, to compliance officers,
auditors, and attorneys, and would benefit from this valuable information. Please forward
email to appropriate person(s).
Instructor:
Carl
Pry
is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk
Professional (CRP) who is a Managing Director for Treliant Risk Advisors in
Washington, DC. Through his working career, as well as through his
experience as a banking attorney and officer, he has provided a variety of
regulatory compliance and financial performance services to financial
institutions and other clients throughout the country. He has written
extensively regarding consumer and commercial compliance, tax, audit, and
financial institution legal issues, and is a frequent contributor to and
currently serves on the Editorial Advisory Board for the ABA Bank
Compliance magazine. He has spoken at scores of banking, compliance, and
state bar associations, and has conducted training sessions for financial
institutions across the country.
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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