Education & Events

Required Compliance for Commercial Loans Secured by Real Estate

Date: 
Mar 20, 2019
Program Overview: 

Wednesday, March 20, 2019, 3:00 - 4:30 pm

Which regulations apply to commercial real estate loans?  Are there exceptions when real estate is taken as “an abundance of caution”?  Can examiners assess civil money penalties for violations?  Do your commercial lenders and support staff understand the data collection required for HMDA-reportable applications?  Is a written application required for a business-purpose loan?  This webinar will address these questions and more.  Real-life examples will be used to explain how regulations apply to the commercial loan application process.

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Topics: 
  • Overview of commercial loan compliance hot spots, including fair housing, Regulation B, Flood Disaster Protection Act, Fair Credit Reporting Act, accommodation loans, HMDA, and insider lending
  • High-level review of BSA requirements, including the new beneficial ownership rules for legal entity customers effective May 11, 2018
  • How to determine whether the application is for business or consumer purposes
  • Compliance requirements when real estate is taken as collateral
  • Compliance requirements for Regulation B appraisal rules on loan applications secured by a first lien on 1-4 family dwellings (there is no “business-purpose” exception)
  • Common commercial loan violations when real estate is taken as collateral
  • Overview of HMDA requirements and review of the rules for business-purpose loans effective January 1, 2018.  Some institutions may be eligible for partial exemptions from some data fields if they meet the lower threshold limits announced on August 31, 2018.   
  • Flood insurance challenges with commercial buildings and collateral, including new rules for “detached structure on residential property” with a commercial purpose

 

  • TAKE-AWAY TOOLKIT
    • Matrix of 28 loan types; required disclosures for both consumer and commercial loans with explanations about real-estate-secured loans
    • Guide outlining the regulations that apply to commercial credit and exemptions for certain rules
    • Commercial loan application template
    • Employee training log
    • Quiz to measure staff learning and a separate answer key
    Speaker: 

    ABOUT THE PRESENTER – Susan Costonis, CRCM, Compliance Consulting and Training for FIs

    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.

    Agenda: 

    WHO SHOULD ATTEND 

    This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers.

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    Fees: 

    MEMBER

    Live Webinar
        $255.00 Single Location
        $150.00 Each Additional Location

    Recorded Webinar & Free Digital Download
        $255.00

    Premiere Package (Live & Recorded Webinar with Free Digital Download)
        $375.00

    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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