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Course/Product Description

Lending Compliance: 2016 Year-End Wrap Up And A Look At 2017

Format: Webinar

Keeping up with the CFPB can be a full-time job as the CFPB continues to implement a consumer protection agenda by adopting new rules, issuing high dollar restitution enforcement actions, and collecting consumer complaint data.

While your financial institution may or may not be regulated by the CFPB, other regulators are following their lead with a focus on “evaluating consumer harm”.

This webinar provides an overview of the changes and updates, and will help you prevent costly regulatory mistakes by providing you will tips and strategies to manage regulatory reform more effectively.


  • What’s NEW?

    • Military Lending Act became effective October 3rd. Are you in compliance?

  • What’s OLD?

  • Post TRID review and resources

    • Common TRID questions and unresolved issues
    • Building an effective TRID monitoring program; "TAKE AWAY" checklist
    • Recent CFPB "clarifications"

  • Flood rule review and resources

    • New detached structure exemption
    • New escrow rules
    • OLD monitoring requirements, insurable value, multiple buildings, flood insurance fundamentals

  • HMDA - summary of the new rules
    [Spoiler Alert: New rules are effective January 1, 2018; the two year lead time is because the changes are very complicated!

    • Details of the new coverage rules - who collects and submits information
    • What types of loans are reportable now, and changes happening for collecting 2018 data
    • The new dwelling-secured loan standard - what are the impacts
    • Changes for commercial loans
    • New coverage for HELOCs
    • New LAR fields - expanded to 53 fields, but with many additional data requirements like "disaggregated" monitoring for ethnicity and race
    • New categories of reporting, including information on the property, loan type, and loan features; plus identification information
    • Changes to the submission process
    • Publicly available HMDA data changes
    • It’s not too early to develop an implementation strategy

  • What do regulators expect today?

    • Strong compliance management system, including effective training
    • Board oversight
    • Fair Lending focus, including third party management, complaint management, and risk based program to detect potential consumer harm and UDAAP issues

  • What's NEXT?
Additional lending compliance highlights include:
  • "Lessons learned" from enforcement actions
  • Nine goals of the CFPB for 2016-2017 (Note - they released a Consumer Guide for Auto Loans on June 9, 2016; they continue to focus on debt collection and credit reporting complaint issues)
Who Should Attend?

Compliance Officers, Internal Auditors, Retail Managers, Lending personnel, Risk Managers, and any person responsible for lending compliance in 2016-2017

Your Presenter:

Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training and began her career in 1978. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve.

Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and "translates" complex regulations into simple concepts by using humor and real life examples.

Licenses / Designations / Educational Credits:CEU
About The Provider: Since 1983 Total Training Solutions has produced dozens of videotapes, CD-Roms, DVD's and web-based training modules. In addition to off-the-shelf products, Total Training Solutions also develops custom training products and consults with financial institutions to develop their own training curriculum.

For timely delivery of training topics, webinars or web conferencing is an unbeatable option. We now offer over 100 live programs per year and you can even purchase the recorded or ondemand session if you are unable to attend the live program.

We have worked exclusively with the financial industry since our founding. Because of this, we understand the needs of training departments in financial institutions and are alert to changes which affect the industry.

Webinar Descriptions:

Live Session:
Attend the live session with the opportunity to ask questions to the presenter. You also receive a link to the handouts. All registrations for a live event will be given access to the OnDemand recording, at no additional cost, for seven days following the event. This will allow a flexible alternative when last minute conflicts intrude on scheduled events.

Recorded CD:
CD-Rom includes audio and video of recorded webinar plus hard copy handouts. You will also receive 6 months access to the OnDemand weblink as an added free bonus.

Includes a weblink for unlimited viewing for 6 months after the date of the webinar as well as a link to handouts.

Live + Recorded:
Includes all three options above. Live session, OnDemand Weblink, and CD-Rom plus Hardcopy Handouts.

Live + OnDemand:
Includes two of the options above. Live session and 6 months access to OnDemand Weblink plus link to handouts.
Price: $265.00
More Info: Contact Us For More Information
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Currently Scheduled Dates For This Webcast
Course TitleDatePrice
Lending Compliance: 2016 Year-End Wrap Up And A Look At 2017CD/On-Demand$325.00

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