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Fair Lending Workshop for Community Banks Webinars

April 2, 2025 1:30 pm - 3:30 pm
Register

Limited Spots available! Join us for this special 2-hour class and workshop for community bankers to explore the requirements and the environment for Fair Lending standards. We will discuss the basic requirements that all community banks must demonstrate, beginning with the Fair Lending risk assessment process. We will also review policy, training, application and underwriting processes. We will analyze the inter-related Equal Credit Opportunity Act (Regulation B) and Fair Housing Act. We will share common errors, audit exceptions and exam findings to highlight potential gaps. Finally, we will break into groups to explore the operationalizing of compliance and best practices at your institution, including risk-rating loan exceptions for Fair Lending.

What You’ll Learn

  • Regulation B and Fair Housing Act
  • Outline of types of Lending Discrimination
  • Elements of a Community Bank Fair Lending Program
  • Relationship of Fair Lending to Community Reinvestment Act (CRA)
  • An understanding of Reasonably Expected Market Area (REMA) and red-lining
  • Common errors and audit findings in Fair Lending Audits
  • Internal controls to support the Fair Lending Program
  • Hands on methods to track application activity and other metrics for self-analysis
  • Impact of pending small business application requirements (can you say 1071?)
  • Ideas/tips/tools from other bankers to try in your bank

Who Should Attend
This workshop will be advantageous to anyone with hands-on responsibilities for Fair Lending and/or Community Reinvestment Act compliance as well as those handling loan adverse actions and loan exceptions. This can include loan officers, loan processors responsible for denials and/or second review, compliance officers, and auditors.