Education & Events

The Home Mortgage Disclosure Act

Date: 
Jun 18, 2019
IBA Center for Professional Development
8425 Woodfield Crossing Blvd., Suite 155E
155E
Indianapolis
IN
46240
USA
Program Overview: 

The year 2018 brought many HMDA frustrations, the latest of which was what to do regarding what fields
are required or not required for institutions with smaller loan production operations.

While the Home Mortgage Disclosure Act (HMDA) has existed for many years, recent regulatory activity obviously increases the potential for errors. Bankers, now more than ever, have to understand the HMDA rules. This seminar will discuss the rule, the September 2018 interpretive changes, and any other changes that occur prior to the seminar date.

HMDA assumes that everyone lives in an absolutely cookie cutter world – which of course is not even close to accurate. While the new rule takes out some guesswork, it certainly does not solve every possible
problem, and some answers end up being a “best guess” as the regulation is unclear. This seminar
is designed to help you to improve your HMDA performance for 2019 and beyond.

The order of presentation will cover The fields that all HMDA banks must complete first. We will then address the fields that only are required of larger producers.

For more information please see the PDF Brochure.


Topics: 

• Overview
• The purpose of HMDA
• Coverage
• Definitions
• Exemptions and exclusions
• Reportable data
• Disclosure and reporting
• Instructions for completion of the LAR
• Instructions for data collection on ethnicity, race, and sex

 

Speaker: 

Bill Elliott, CRCM, Senior Consultant and Manager of Compliance, Young & Associates, Inc.

Bill Elliott has over 40 years of banking experience. As a senior 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, conducting in-house training, and writing compliance articles and training materials. Bill’s career includes 15 years as a compliance officer and CRA officer in a large community bank, as well as working at a large regional bank. He has experience with 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.

Agenda: 

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

Location: 

This seminar will be held at the IBA Center for Professional Development, 8425 Woodfield Crossing Blvd. Suite 155E, Indianapolis, IN 46240.  Directions, map & list of hotels are available at www.indianabankers.org or by calling 317-387-9380.

Fees: 

The following fees include the program, training  materials, continental breakfast, lunch and refreshments:

IBA Members                                

$325 First Person                            

$155 Additional Member from Same Institution

Surcharge of 100% for Non-Members.

Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible
membership category at applicable member or non-member rates.  

Image Use Policy: Registration in IBA events constitutes an agreement to the IBA’s use and distribution of the attendee’s image or voice. Details: indianabankers.org/policy

Additional Information: 

WHO SHOULD ATTEND

Anyone who is involved in HMDA reporting will find this seminar invaluable. Those who will benefit greatly from this seminar are personnel involved in collecting the data from the applicant(s), reporting the data to the regulators, training applicable employees, ensuring compliance with the requirements (e.g., compliance officers and auditors), as well as anyone who wants a more meaningful understanding of the information this data can provide.

 

Association Contact: 

For more information please contact Elizabeth DeHaven via e-mail at edehaven@indianabankers.org or call 317-387-9380.

Cancellation Policy: 

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 1 day prior or absences on the day of the program.  Substitutions are welcome at any time.

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