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Course/Product Description
Title:

Compliance Rules for Commercial Loans Secured by Real Estate

SKU:WT-1002981
Format: Webinar
Description:

Which regulations apply to commercial loans that are secured by real estate? Are there any exceptions when the real estate is taken as "an abundance of caution"? Do the commercial lenders and support staff at your bank understand the data collection required for HMDA reportable applications? Is a written application required for a business purpose loan?

Join this fast-paced webinar to understand the application process with step by step instructions and actual examples that explain the requirements of applicable regulations in terms that are easy to understand.

Covered Topics:

  • What factors determine if the application is for business purpose or consumer purpose?
  • What are the compliance requirements when real estate is taken as collateral?
  • Review of the required disclosure for the "Right to Receive a Copy of Appraisal." Who gets the notice and what are the timing rules? This DOES apply to 1st lien loans of 1-4 units, regardless of purpose; there is no "business-purpose" exception.
  • What are some common compliance violations in the commercial loan area when real estate has been taken as collateral?
  • Overview of HMDA requirements and preview of the changes to business purpose loans when the new HMDA rules become effective January 1, 2018.
  • Flood insurance violations can be costly. What are some of the unique challenges with commercial buildings and collateral?
  • There are four "trip wire" events for flood insurance. Learn about the new rules for "detached structure on residential property".
  • BONUS TOOLS
    • Matrix of 28 loan types; required disclosures for both consumer and commercial loans with explanations about real estate secured loans.
    • Checklists that outline which compliance regulations apply to commercial credit and the exemptions for certain rules.
    • Step by Step HMDA controls for 2017 reporting activity
    • Flood insurance resources
    • Collateral checklist
    • Fair Lending Policy - Business purpose loans ARE covered by anti-discrimination protections of the Equal Credit Opportunity Act.
Who Should Attend

This interactive session is a cost-effective way to gain a greater understanding of the rules about processing applications, and complying with regulations triggered by commercial loans secured by real estate. This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers.

The 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
All US States: 2.5
All Canadian Provinces: 2.5
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.

OnDemand:
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
Compliance Rules for Commercial Loans Secured by Real EstateCD/On-Demand$345.00

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