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2019 Lending Compliance Conference
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9/11/2019 to 9/13/2019
When: Two and a half days
8:00 AM
Where: Best Western Gran Tree
1325 7th
Bozeman, Montana  59715
United States
Contact: Pam O'Reilly

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Montana Bankers Association
Lenders Compliance Conference - 2 and a half days

Featured speaker: Jack Holtznecht



Wednesday, September 11 

7:30 AM                                    Breakfast & Registration

8:30 –                                        Intro and Welcome

8:40 –  9:30AM                         Equal Credit Opportunity Act/Regulation B

9:40  - 10:30AM                        Fair Housing Act

10:30 – 10:45AM                      Break

11:00 – 12:00PM                       Fair Credit Reporting Act

1:00 – 2:00PM                           Flood Disaster Protection Act

2:10 – 3:30 PM                          Truth in Lending

3:30 – 3:45 PM                          Break

3:45 – 5:00 PM                          Truth in Lending

5:00 – 7:00 PM                          Cocktail Reception


Thursday, September 12

7:30 AM                                    Breakfast & Registration

8:30                                           MBA Announcements

8:40 –  10:00AM                       Truth in Lending

10:00 – 10:15 AM                     Break   

10:15 – 12 Noon                        Real Estate Settlement Procedures Act

12:00 – 1 PM                             Lunch

1:00 – 2:30 PM                          Escape Room

2:30 – 2:45 PM                          Break

2:45 – 5:00 PM                          Regulatory Panel:

Mike Selander, FDIC


Friday, September 13

7:30 AM                                    Breakfast & Registration

8:30                                           MBA Announcements

8:40 – 10:00 AM                       Payday Loan Rules/Proposed Changes to CRA

10:00 – 10:15 AM                     Break

10:15 – 11:45 AM                     HMDA

11:45 AM                                  Adjourn

2019 MBA Lending Compliance Conference

September 11 – 13, 2019


Congress has consistently provided special protection to consumer loan borrowers, especially those who secure loans with their home. There has been an explosion of new lending requirements over the past few years.

The program provides an overview of the real estate lending requirements from eleven laws and regulations, along with comprehensive coverage of selected topics, policy suggestions, employee training tips, audit techniques and steps to eliminate past problems. Emphasis is placed on coverage and exemption rules, determining which disclosures are required, the content of the required disclosures and prohibited acts or practices.                                              

Every year major changes appear and this year is no exception. The continued expansion of the integrated disclosure rules (TRID) continues with massive changes published in July 2017, with mandatory compliance on October 1, 2018. The new Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA) was signed into law on May 24, 2018. It impacts several sections of Regulation Z. Some of the revised provisions were effective upon enactment, other sections are delayed. Clarification to Regulation B government monitoring information requirements has been published. HMDA/Regulation C underwent massive revisions effective January 1, 2018, were impacted by EGRRCPA on May 24, 2018, and further proposed changes were announced on May 2, 2019. The program and the manual have been completely updated for these rules.


The following laws and regulations are covered:

·       Truth in Lending Act (Regulation Z) – includes final TRID rules effective October 1, 2018, and a review of EGRRCPA revisions;

·       Real Estate Settlement Procedures Act (Regulation X) – includes a review of final servicing rules that were effective April 19, 2018;

·       Equal Credit Opportunity Act (Regulation B) - includes clarification on the revised rules for collection of government monitoring information and the new residential mortgage loan application;

·       Fair Housing Act - includes a review of recent enforcement actions and an explanation of the reasonably expected marketing area (REMA) concept;

·       Home Mortgage Disclosure Act (Regulation C) includes :

o   The major new Regulation C rules that were effective for the most part on January 1, 2018;

o   A review of the May 24, 2019 EGRRCPA revisions; and

o   A review of the Notice of Proposed Rulemaking and the Advanced Notice of Proposed Rulemaking announced on May 2, 2019.

·       Flood Insurance Rules – includes the recently published Private Flood Insurance rules (effective July 1, 2019);

·       Homeowners Protection Act;

·       Fair Credit Reporting Act – includes a review of the EGRRCPA revisions;

·       Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) – includes a review of the EGRRCPA revisions;

·       Community Reinvestment Act  includes a review of the advanced notice of proposed rulemaking; and

·       Unfair, Deceptive or Abusive Acts or Practices.


Where else can you find:

·       Comprehensive coverage of 11 major federal real estate lending compliance topics in three information packed days; and

·       A 400-page manual that serves as a handbook long after the program has ended.


The program is designed for Compliance Officers, Loan Officers, Loan Processors, Auditors, and others with responsibilities related to the origination and servicing of mortgage loans.. 

Compliance Resource PRESENTER

Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 43 years. In 38 years as a trainer over 145,000 bankers (and many examiners) have participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner.  He later headed the product and education divisions of a regional consulting company. There he developed loan and deposit form systems and software. He also developed and presented training programs to bankers in 43 states. Jack has been an instructor at compliance schools presented by a number of state bankers associations. As a contractor he developed and delivered compliance training for the FDIC for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association.



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