Fair Lending - 2 Part Series Webinar

In this 2-part webinar, we’ll go in-depth with a discussion of fair lending principles, expectations, and techniques. We’ll explore what’s new in the area of fair lending, to new interpretations of protected classes, to future potential legislation. We’ll also cover aspects of formulating and maintaining an effective fair lending risk assessment, a critical component of an institution’s fair lending compliance program. We’ll also explore the many risks and hot spots to monitor for fair lending, and discuss how to best comply with the new requirements and expectations. We’ll ensure you’re ready for your next fair lending compliance examination so you can put your best foot forward.

Fair lending continues to be THE hot topic in 2023, with a constant flow of new developments and expectations. Agency leadership (from multiple regulators) has been outspoken in their priorities and goals, with terms such as “equity” and “underserved consumers and markets” being mentioned often. This means new requirements and increased enforcement to monitor. And as an added bonus, the CFPB’s UDAAP Exam Manual includes discrimination in any aspect of banking as possible UDAAP.

Are you keeping up with all the changes that will impact your institution? It is more critical now than ever to ensure your fair lending program covers all the bases. There are new ways of looking at lending patterns, activities, and risks, and new expectations from the agencies.

Fair Lending – Part 1
October 12, 2023, 11:00 am EDT

  • Fair lending legal and regulatory structure – a brief history and where these requirements come from
  • Who exactly is covered: “applicants” and “creditors”
  • Special Purpose Credit Programs – leveling the playing field
  • Violation consequences
  • Related laws and regulations: HMDA, CRA, ADA, and more
  • Prohibited bases under the rules (what you can do, as well), including changes in definitions – including examples and scenarios
  • “Vulnerable populations” – covered?
  • Legal theories of discrimination – how is fair lending enforced? Including examples
  • Fair lending throughout the lending process – from A-to-Z
  • The fair lending risk assessment – quantitative and qualitative factors
  • Marketing considerations – putting your best foot forward
  • Regulator priorities – supervisory reports
  • Discrimination is UDAAP – CFPB and FDIC exam manuals: what does this mean?
  • 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 – what are the standards?
  • Digital redlining – what is this and how does it impact your institution? How to look at redlining in the digital age
  • REMA/Marketing Area/Service Area – what is this? What should we do to be ready for our next exam?
  • Marketing and advertising issues – what can and can’t we do?
  • Artificial intelligence (AI), algorithms, and “big data” – new areas of opportunity as well as risk

Fair Lending – Part 2
October 24, 2023, 11:00 am EDT

  • Fair lending issues in the servicing environment, especially debt collection, default management, and foreclosures
  • Government monitoring information – when to get it under Reg. B and HMDA, and how to handle it, including the URLA/1003 application form, and new Fannie/Freddie requirements for servicers
  • Foreign language issues and “Limited English Proficiency,” or LEP, customers – how to handle this thorny issue?
  • Dealing with commercial loans
  • DFA 1071 – understanding the requirements and implications
  • Proxies and the BISG method – should we do this?
  • Fair lending dos and don’ts
  • Appraisal bias – a developing issue: what to do now
  • Automated valuation model (AVM) issues with discrimination
  • Adverse action notices
  • Discretion – the “D” word
  • Steering issues
  • Exceptions – understanding them
  • Fair lending training
  • Evaluating applications and underwriting – what you can and cannot consider
  • CRA as a fair lending tool
  • Developing an effective and comprehensive fair lending CMS

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.

Continuing Education (CE) Credits Info

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

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Carl Pry
Carl Pry

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, ... read more.

Course Title Credits Start Date Start Time End Date Delivery Type Delivery Option Instructor / Location Price
Fair Lending - 2 Part Series Webinar 0.25 Any Any Any Webinar On-Demand Carl Pry $509.00 Register Now
Course Title Credits Start Date Start Time End Date Delivery Type Delivery Option Instructor / Location Price
Delivery Options

Webinars for Banks and Credit Unions

Live Webinar:

INCLUDES 30 DAYS OF ONDEMAND PLAYBACK! With this option, you will participate in the webinar as it is being presented. 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 phone for the audio. You can type and send your questions to the instructor.  And don’t worry if you miss the webinar, you can still view it for up to thirty days after it takes place!

Live Plus Twelve Months OnDemand Playback:

With this option, you will receive the live version, then you will receive an e-mail that contains a link to the PowerPoint slides (to download, print, and copy) as well as a link 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 an effective training tool. The link will be available to you (and anyone else in the company) for up to twelve months and can be accessed 24/7 as many times as you wish. Delivered via e-mail the day after the webinar takes place.

Live, Twelve Months OnDemand Playback PLUS Digital Download:

By adding the Digital Download to your order, you will be adding access to make the webinar part of your training library.  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 the PowerPoint slides as well.  Access to the Digital Download is for the life of your library.

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