CBC III: Regulation B: The Current Rule, 2018 Changes, and The NEW Real Estate Application

Aug 07, 2017
The Landmark Conference Center
Fort Wayne
Program Overview: 

PDF Brochure

Beginning in 2018, Regulation B will change to adapt to the new application that all bankers will have to use.  This is NOT only for HMDA banks – all banks will be impacted by these changes. This seminar will address the new application, the new proposed Regulation B language, as well as review the current version of the regulation.  At the end of the seminar, attendees will have an understanding of Regulation B in its current form, its likely form for 2018, and the new 2018 application that is responsible for the changes. 

Given the speed at which the CFPB publishes final rules, it is likely that the new Regulation B language will not be final, however, since the changes revolve around the new approved and finalized application, it is very likely that any changes will be cosmetic, not substantive.  We will assure that the manual is as current as possible, and that all attendees receive the final rule as soon as it is available.

Our practice is usually to wait until a rule is final before discussing it in a CBC seminar, but since the final rule may be issued late in the year, we feel that discussing the changes now is appropriate, even if there are minor changes later.  The seminar will offer the best information available to assure that bankers prepare appropriately for the changes that will occur in a few short months. 






  • Subjects as released by the CFPB and other federal agencies
  • A discussion of TRID, any updates, things we have learned, your questions and answers from email, and your questions during the presentation.

Regulation B

  • Regulation B – all aspects as the rule exists in 2017
  • Regulation B – the changes to expect in 2018
  • The new Real Estate Application
    • The requirements
    • Each field on the form
    • Instructions for completion


Future Presentations

We will cover Regulation CC, when the Consumer Financial Protection Bureau releases the new version. We will not offer Regulation CC as a subject until the new version of the regulation is final. The final rule was promised last fall (and the CFPB has been promising it for a while). 

Additionally, there is a pending TRID update and other regulatory changes that will be arriving over the next few months. 

Other subjects for future seminars will be shaped by regulatory events as they unfold. The CBC quarterly
compliance program remains committed to providing as much up to the minute information as possible.  The
program will closely monitor releases from the CFPB and other agencies to assure that you have the most up to date and accurate information possible. 

Reminder: HMDA will not be covered in the CBC, as many CBC members are not HMDA reporters, and will not be HMDA reporters in 2018.  We are offering HMDA training in many states.  Ask your state association for details. 



Bill Elliott, CRCM, Senior Consultant and Manager of  Compliance 

Bill Elliott has over 30 years of banking experience. As a  compliance consultant and manager of the compliance division with Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials. 

During his career, Bill spent 15 years as a compliance officer and CRA officer in a large community bank, and also worked for a large regional bank.  He has been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan  review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.


8:30 a.m.          Registration & Continental Breakfast
9:00 a.m.          Program Begins
12:00 p.m.         Lunch (included)
1:00 p.m.          Program Resumes
4:00 p.m.          Program Adjourns


The Landmark Conference Center
6222 Ellison Road
Fort Wayne, IN 46804


$350 IBA Member
$180 Each Additional IBA Member
$650 Non-Member

Additional Information: 

The CFPB has continued to avoid issuing any new or updated regulations, despite their public statements that they intend to do so. So covering these subjects now not only gives banks time to prepare, but allows adequate presentation time for the other new regulations – should the CFPB see fit to publish them.  

The subjects for the regulatory update will be determined by circumstances and releases from the various agencies.  Unless there are major changes in the next few weeks, the majority of update will focus on real issues that impact banks every day – clarifications and aids to help in the day to day operations of the bank.


Compliance officers should attend this session.  In addition, all personnel with responsibilities for real estate lending at all levels, including senior management, auditors, lenders and others should also consider joining us for this session.



Association Contact: 

Elizabeth Kilty, Education Coordinator

Cancellation Policy: 

You will receive an e-mail confirmation at registration.. If you have questions, contact Elizabeth Kilty at 317-387-9380 or via e-mail at ekilty@indianabankers.org.

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations the day before or absences on the day of the program. Substitutions are welcome at anytime.

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