Loans provide substantial income to financial institutions while offering a valuable service to clients and members. They also bring risk and necessitate adhering to innumerable government regulations. Through the sessions provided in this pathway, you will learn the details of lending, including regulations and management.
Scheduled for 60 minutes including question and answer period.Wednesday, July 28, 2021; 3:00 PM Eastern
Legal expert Daniel Cotter will explain how the end of the foreclosure moratorium will affect your financial institution. You will learn how to prepare now for July 31.
What You'll Learn
What impact does the pandemic continue to have on defaults?
What should you do when the moratorium on home foreclosures ends?
How do student loan debt protections affect financial institutions?
What will increased defaults mean for your institution?
Legal expert Daniel Cotter will distill the essential details of the CFPB June 16 interpretive rule. You will discover the impact of the resumption of MLA investigations and learn how to prepare.
What You'll Learn
What does the Military Lending Act cover?
Who is subject to the MLA?
What does the CFPB’s change in position mean for your institution?
How should you prepare now for examinations to resume?
Nationwide compliance consultant Molly Stull will distill the essential details from these massive documents and explain how to apply them to your institution. You will learn how to prevent conduct that violates the prohibition on harassing, oppressive, or abusive actions during the debt collection process.
Topics Covered
How do the November 2020 and December 2020 Final Rules work together?
What critical terminology and definitions can help you understand the FDCPA?
How do multi-channel rules affect emails, text messages, and voicemails?
How should you calculate call restrictions?
What prohibitions on time and place exist?
How should you handle written disputes from a consumer?
What are the components of the Model Validation Notice?
How should you calculate the timing of a validation notice?
Scheduled for 60 minutes including question and answer period.Monday, August 23, 2021; 2:00 PM Eastern
Community banking expert Dawn Kincaid will share policies, procedures, checklists, and a sample residential loan appraisal. You will learn how to optimize your appraisal process to ensure accuracy and please examiners.
Topics Covered
What are the appraisal rule requirements and thresholds?
What are examiners’ expectations for appraisals?
When is a full appraisal required instead of an evaluation?
Dr. Jim Castagnera, an employment attorney with four decades of experience, will explain the latest developments and detail the changes you need to make in your financial institution.
What You'll Learn
What are the latest developments regarding Title VII?
How have recent state laws addressed race, sex, and religious discrimination?
What are the latest actions of the financial industry’s regulatory agencies regarding employment discrimination and affirmative action?
What additional changes are expected in the near future?
Community banking expert Dawn Kincaid will show you how to avoid mistakes when preparing consumer loan documentation. You will learn how to review files, ensure compliance, and protect your institution.
Topics Covered
How can you review a consumer application for completeness?
What are the requirements for credit report usage?
For which loans must GMI be collected?
What checklists should you use to verify loan file documentation?
What are the best practices for documenting BSA requirements?
What key regulatory items should you look for when auditing loan files?
Regulatory compliance counsel Michael Christians will explain the compliance requirements applicable to real estate loans. You will learn how to please borrowers while reducing liability for your institution.
Certification Includes:
Learn how to comply with laws and regulations for real estate loans
Law professor Dr. Jim Castagnera will explain the details of the latest CFPB interpretive rule. You will learn the concrete steps you must take to comply.
What You'll Learn
What does the March 9 CFPB interpretive rule mean for your institution?
What forms of discrimination does the ECOA cover?
How did this interpretive rule arise?
What laws regarding sexual orientation and gender discrimination may be next?
Regulatory compliance counsel Michael Christians will help your financial institution fine-tune its TRID compliance. You will learn how to avoid common areas and discover process improvements.
Scheduled for 60 minutes including question and answer period.
Nationwide compliance consultant Molly Stull will help you prepare for the November 30, 2021 mandatory compliance date. You will learn how to prevent conduct that violates the prohibition on harassing, oppressive, or abusive actions during the debt collection process.
Topics Covered
How do the November 2020 and December 2020 Final Rules work together?
What critical terminology and definitions can help you understand the FDCPA?
How do multi-channel rules affect emails, text messages, and voicemails?
How should you calculate call restrictions?
What prohibitions on time and place exist?
How should you handle written disputes from a consumer?
What are the components of the Model Validation Notice?
How should you calculate the timing of a validation notice?
5 Sessions scheduled for 60 minutes including question and answer period.Monday, July 19 - Friday, July 23, 2021; 2:00 PM Eastern
Banking compliance expert June Gardner and renowned corporate trainer Bob Greene will help you understand risk and compliance expectations for commercial lending. You will learn how to maintain a sound commercial loan risk governance program.
Benefits of Certification
Master the business structures, loan types, required documentation, and risk management framework associated with commercial lending
Meet regulatory requirements
Protect your financial institution from potential legal liability
