2014 Fair Lending Compliance

NEW FOR 2014 July 22 – Knoxville UT Conference Center

July 23 – Nashville TBA Barrett Training Center

July 24 – Jackson Union University in the Barefoot Student Building adjacent to the Carl Grant Events Center

2014Fair Lending Compliance

Program Highlights Equal Credit Opportunity Act - Regulation B• Identification of the prohibited basis• Required collection of monitoring information• Permissible questions• Spousal signatures• Dodd-Frank appraisal requirements

Fair Housing Act• Coverage and prohibited practices• Specific regulatory agency requirements

Fair Credit Reporting Act/FACT Act• Permissible purposes and use of reports• Risk-based pricing notices• FCRA adverse action notices• Obligations as furnisher of information

Unfair, Deceptive, or Abusive Acts or Practices• Standards of determining what’s unfair,

deceptive, or abusive• Managing risks related to UDAAP

—deposits & loans

Home Mortgage Disclosure Act• Which transactions are covered• Government monitoring information• Required disclosures• Completion of the LAR

The ManualAttendants receive a manual, prepared by Professional Bank services, containing a detailed outline on each discussion topic. It is one of the most highly regarded manuals in the industry, and participants likely will refer to it on countless occasions.

Seminar DescriptionFair lending issues continue to be a major concern for the financial services industry. Regulators enforce fair lending laws and evaluate what practices may be deemed unfair, deceptive, or abusive to consumers. How do financial institutions prepare for these types of regulatory discus-sions and reviews? What should they be looking for? More importantly, how do they create a methodology for conducting fair lending reviews?

This program will focus on steps financial institutions can take to prevent, detect, and eliminate fair lending problems. This seminar builds a foundation with a brief overview of the five keystones of fair lending.

Who Should AttendSince fair lending involves all aspects of the lending process, everyone from the lending side of the institution can benefit from this seminar. In addition to lenders themselves, this seminar provides helpful information to those who work in loan processing, loan review, HMDA, CRA, compliance, audit, and marketing. Senior lend-ing officers and senior management also will benefit, as they—along with the board of directors—are responsible for insuring compliance with fair lending requirements.

Delivery Method, Program Level, and ContentThis live program is presented at the intermediate level and focuses on federal law. Attendants should be gener-ally familiar with lending terms and procedures. This is the annual review for those who realize the breadth of their task and know that, without help, they can-not read enough to keep up in this area. No advance preparation is required.

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General InformationAttire: Business casual attire is ap-propriate for all TBA programs. Because of temperature variations in meeting rooms, please bring a sweater or jacket for your comfort.

Special Needs: If you have a special need that may affect your participation in this program, or special dietary requests, please send TBA a statement detailing your needs at least 10 days before the program. We will contact you to discuss accommodations.

Cancellation Policy: Cancellations received in the TBA office 5 business days prior to the scheduled program will be refunded in full. Due to commit-ments, cancellations received less than 5 business days prior to the scheduled program are not refund-able. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee.

2014 Fair Lending Compliance

Dates and LocationsJuly 22 – KnoxvilleUT Conference Center600 Henley Street – 865/974-0250

July 23 – NashvilleTBA Barrett Training Center 211 Athens Way – 615/244-4871

July 24 – JacksonUnion University - Barefoot Student Building adjacent to the Carl Grant Events Center 1050 Union University Drive – 615/244-4871

Schedule8:30 am Registration/Continental Breakfast9:00 am Program beginsNoon Lunch1:00 pm Program resumes4:00 pm Adjourn

These meeting locations are designated nonsmoking facilities and properties.

Program InstructorAnetria Connell is a senior consultant at Professional Bank Services. Prior to joining the firm, she served as legal counsel to the Kentucky Depart-ment of Financial Institutions, which regulates depository, nondepository,

and securities entities. Her primary responsibility at the department was the Dodd-Frank Act, whereby she assessed its effect on federal and state law and provided information and training to examiners and staff. In addition to her regulatory experience, Connell practiced business, real estate, and banking law. She graduated from The George Washington University Law school and is licensed to practice law in Ohio and Kentucky.

For more information about this program, contact: Debbie Brickles - dbrickles@TNBankers.orgVice President and Director of Training and DevelopmentTennessee Bankers Association211 Athens Way, Ste 100 • Nashville, TN 37228-1381800/964-5525 or 615/244-4871 or www.TNBankers.org.

Continuing Education CreditAttendants qualify for 6.5 hours of Continu-ing Professional Education (CPE) credit in the area of Specialized Knowledge and Ap-

plication. No advanced preparation required for this program. In accordance with the standards of the National Registry of CPE Sponsors, CPE credits have been granted based on a 50-minute hour. For more information regarding administrative policies or com-plaints, please contact our offices at 615/244-4871.Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regard-ing registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org

This program has not been pre-approved for ICB CE credits. Attendants who require ICB

credits should go to www.aba.com/Training/ICB/Pages/membercereview.aspx for further instructions.

For additional continuing education credit informa-tion, call the TBA education department at 800/964-5525 or 615/244-4871.

Program FeesTBA Members / Associate Members Nonmembers

Early Registration $220 $440

Early registration deadline is July 15.

Registration $250 $470

Day-of-Program $300 $520

Fee covers instruction, reference manual, continental breakfast, refreshment breaks, and lunch. Please register early. Day-of-program registrants will be assessed an additional $50 late registration fee. No written confirmation of seminar registration will be sent from the TBA.Participation in TBA programs is limited to mem-bers, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates.

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2014 Fair Lending Compliance

RETURN COMPLETED FORM AND PAYMENT TO:

Tennessee Bankers AssociationATTN: Monique Jenkins211 Athens Way, Ste 100 • Nashville, TN 37228-1381Phone: 615/244-4871 or 800/964-5525 Fax: 615/324-1990

TOTAL ENCLOSED $____________

Method of payment ❏ VISA ❏ MasterCard ❏ Check

CK#__________ (Make checks payable to Tennessee Bankers Association)

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Name as appears on card (please print) __________________________

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TBA Members / Associate Members Nonmembers

Early Registration $220 $440

Early registration deadline is July 15.

Registration $250 $470

Day-of-Program $300 $520

4 WAYS TO REGISTER! 1. Register online at www.TNBankers.org 2. Scan this form and e-mail it to mjenkins@TNBankers.org 3. Mail this form to the address on the left 4. Fax this form to 615/324-1990

Must be included. For educational tracking only.Last 4 digits only:

❏ July 22 – Knoxville , UT Conference Center❏ July 23 – Nashville, TBA Barrett Training Center❏ July 24 – Jackson, Union University – Barefoot Student Union Building