Fair Lending Comparative File Review

Aug 14, 2018
Program Overview: 

PDF Brochure  Tuesday, August 14, 2018       3:00 - 4:30 pm

As long as loans are being made, fair lending issues are here to stay.  Although overt discrimination is infrequent, disparate treatment or disparate impact can occur inadvertently.  Examiners expect financial institutions to conduct comparative file reviews to identify potential fair lending issues – which you want to find well before an examiner does! 

Awareness, monitoring, and periodic comparative file review can lessen the likelihood of adverse issues arising. This informative webinar will cover the steps of a comparative file review and provide worksheets and a report format to make it easier.



  • Types of discrimination, including overt, disparate treatment, disparate impact
  • Lending practices and standards, including pricing, underwriting, file documentation, and exception monitoring
  • Steps examiners take during fair lending exams
  • How and why to conduct a fair lending self-assessment (set your fair lending standards parameters)
  • Step-by-step guidance on how to conduct a fair lending comparative file review, from pulling a sample to a final report
  • Guidance on conducting an electronic comparison using loan data from your system 

Take-Away Toolkit

  • Fair lending self-assessment questionnaire
  • Excel spreadsheet for data capture (automatically generates trend analysis)
  • HMDA data collection worksheet with all the new data fields required
  • Report boilerplate to summarize your analysis (for board reporting)
  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key



Ann Brode-Harner began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management.  Ann is a well-respected presenter and has spoken to audiences across the country for over 30 years.  She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools.  Ann is the author of The Bank Deposit Documentation Manual for Front-Line Personnel published by Bankers Publishing Company, and is well represented in numerous industry publications.



This informative session is directed to compliance officers, loan officers (commercial and consumer), lending support staff, and auditors.  Board members and management will also benefit from this timely session, because they are ultimately responsible for your fair lending standards.










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: 


Fair Lending Challenges for HMDA Data Rule Changes:
Expanded Data Fields & Lending Practices

on Wednesday, February 7, 2018

Availability extended until December 31, 2018


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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