2018 HMDA Submission Due March 1, 2019 Part 1: Identifying Reportable Loans, Data Integrity & FIG Analysis

Jan 15, 2019
Program Overview: 

PDF Brochure   Tuesday, January 15, 2019       3:00 - 4:30 pm

It’s been a challenging year for HMDA reporters.  Complex new rules were effective January 1, 2018, followed by the CFPB’s procedural rule issued August 31, 2018.  The new rule allows partial exemptions of selected HMDA data fields for small volume institutions.  It is critical to understand the rules and be prepared to file an accurate submission of 2018 activity by the March 1, 2019, deadline.  

This is Part 1 of a two-part series.  Part 1 will focus on correctly identifying 
reportable loans, steps for data integrity, and tips for understanding the Filing Instructions Guide (FIG).  Join us to learn more about data fields, data scrubbing, common mistakes, and reporting accuracy.

  • Reportable loan criteria:  four steps to confirm that all reportable loan            applications have been identified
  • Understanding which applications are not reportable is equally important and will be covered 
  • Detailed steps for completing the data fields of the LAR (Loan Application Register)
  • Challenges with new and revised data fields, including demographic                information and many of the underwriting results
  • Practical suggestions for “scrubbing” data
  • Common reporting mistakes and practical tips for managing the process
  • FIG overview – the 174-page guide explains the submission process and data and file specifications 

Take-Away Toolkit

  • HMDA worksheets and flow chart for 2018 activity, including updated CFPB resources
  • List of data fields for each data point
  • Step-by-step data collection definitions and how to avoid mistakes
  • HMDA compliance resources, including submission checklists and fair lending considerations
  • Employee training log
  • Quiz to measure staff learning and a separate answer key



Susan Costonis is a compliance consultant and trainer who began her career in 1978.  She specializes in compliance management along with deposit and lending regulatory training.  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.



This informative session is designed for loan operations staff, loan officers, loan assistants and processors, compliance officers, fair lending officers, IT support staff, and auditors.












Live Webinar
    $255.00 Single Location
    $150.00 Each Additional Location

Recorded Webinar & Free Digital Download

Premiere Package (Live & Recorded Webinar with Free Digital Download)


Live Webinar
    $300.00 Each Additional Location

Recorded Webinar & Free Digital Download 

Premiere Package (Live & Recorded Webinar with Free Digital Download)

Additional Information: 


This program is the second of two in a series

2018 HMDA Submission Due March 1, 2019, Part 2: Requirements, Clearing Edits, Exempt Fields & More 

on Wednesday, January 23, 2019


Association Contact: 

If you have any questions or need additional information, please contact Marcy Borden at 317-387-9380 or mborden@indianabankers.org

Cancellation Policy: 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. If your bank is unable to participate after registering, you can select to purchase the on-demand presentation.

Webinar Options: 

1.  Live Webinar
The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number & pass code that will allow entrance to the seminar. Seminar materials, including instructions, pin number, and handouts will be emailed to you prior to the broadcast.  You will need the most current version of Adobe Reader available free at www.adobe.com.

2.  Recorded Webinar & Free Digital Download
Can’t attend the live webinar?  The recorded webinar & Free Digital web link is a recording of the live event, including audio, visuals, & handouts. We even provide the presenter’s email address so you may ask follow-up questions.  Approximately one week prior to the webinar, you will receive an email with the web link.  This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.  

LIMITED AVAILABILITY:  The Recorded Webinar & Free Digital Download web link may ONLY be ordered for 6 months following the webinar.

3.  Both Live Webinar & Recorded Webinar & Free Digital Download
Includes options 1 and 2 above

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