WEBINAR

Developing and Documenting a CRA Assessment Area Webinar

CFT Credits: 0.25

This program focuses on the proper method of delineating an assessment area. In addition to reviewing the basic building blocks of an assessment area the program also considers the impact of the assessment area on the CRA performance evaluation. The program also compares the assessment area to the reasonably expected marketing area (REMA). The REMA has risen in importance in the past few years.

Webinar Description and Intended Audience

What?
A critical component in every bank’s CRA program is the delineation of its assessment area. Examiner’s are required to use the assessment area drawn by the bank, unless the bank failed to follow the required steps in the process.

The assessment area, when properly drawn, can improve the institution’s CRA rating. For example, a bank is evaluated, in part, on the percentage of loans within its assessment area. Drawing the area to include a higher the percentage of loans in the assessment area generally improves results. However, a higher percentage can be offset if the bank does not have a good distribution of loans based on the demographics (race, ethnicity and income) of the census tracks in the area. The challenge is find the sweet spot that maximizes the percentage of loans in the assessment area and also assures a solid distribution of loans throughout the area.

This program focuses on the proper method of delineating an assessment area. In addition to reviewing the basic building blocks of an assessment area the program also considers the impact of the assessment area on the CRA performance evaluation. The program also compares the assessment area to the reasonably expected marketing area (REMA). The REMA has risen in importance in the past few years.

Why?
Every bank is required to delineate one or more assessment areas. Since you have to it anyway it makes sense to conduct the delineation in a fashion that will benefit your institution’s CRA performance. The delineation should be reviewed periodically to assure that it continues to position the institution to obtain the best CRA rating.

Covered Topics:

  • What is Open-End Credit;
  • Coverage and Exemptions;
  • General Disclosure Requirements;
  • Account Opening Disclosures;
  • Periodic Statements;
  • Subsequent Disclosure Requirements;
  • Treatment of Credit Balances; and
  • Billing Error Resolution

Who Should Attend?

The program is designed for management of the loan department, Compliance Officers, CRA Officers, marketing staff and auditors.

Webinar Viewing Options

LIVE WEBINAR:                                              

INCLUDES 7 DAYS OF UNLIMITED ONDEMAND PLAYBACK!  With this option, you will participate in the webinar live, via the internet. You will login to the webinar on your PC to view the PowerPoint presentation, and you have the option of using your PC speakers or a telephone for the audio. You can type and send your questions to the instructor. Many companies are now running their PC through an LCD projector allowing many employees to participate at the same time.  And don’t worry if you miss the webinar, you can still view it for up to seven days after it takes place!

SIX MONTH ONDEMAND VIDEO:

With this option, you will receive an e-mail that contains a link to the PowerPoint slides (to download, print, and copy) as well as a link to the media player where you will view and hear the entire webinar just as it was delivered, featuring the full-color PowerPoint presentation with audio. You can pause, fast-forward and rewind as needed, which makes it a very effective training tool. The OnDemand Video will be available to you (and anyone else in the company) for six months and can be accessed 24/7 as many times as you wish. Delivered via e-mail the day after the webinar takes place.

CD-ROM VIDEO:

If you do not have internet access or want to make the webinar part of your training library, the CD-ROM Recording is a great option for viewing a webinar. You can pause, fast-forward and rewind as needed, which makes it an effective training tool.  With this option, you will receive a download of any applicable handouts and a CD-ROM (featuring the full-color PowerPoint presentation with audio) via regular mail. Mailed 7 to 10 days after the webinar takes place.

IN-HOUSE:                                                        

Webinars can be scheduled and offered exclusively for your company.  They can even be customized to best fit your needs.  To find out more, please complete the in-house request form found in the Schedule and Registration Information section below.

Continuing Education (CE) Credits

This webinar is recommended for 2.5 CE Credit Hours. Each attendee will receive a Certificate of Attendance for self-reporting of CE Credits.

Register Here!

Choose the viewing option that best suits your needs. Live Webinar times are shown as Eastern Time. You can choose to pay by credit card or invoice when you register. CFT Credit will be awarded to the registrant, unless directed otherwise (additional attendees can also receive credit for an additional fee). CFT Webinars are powered by Total Training Solutions!

Webinar DateStart TimeEnd DateEnd TimeViewing Options - See Descriptions AbovePrice
12/04/18Archived Six Month On-Demand Recording$295.00Order
12/04/18Archived CD-ROM Video Recording$345.00Order
AnyIn-HouseRequest