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Compliance Rules for Commercial Loans Secured by Real Estate
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When: 12:30 PM
Where: United States

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Recommended for 2.5 CE Credits

Program Content:

Which regulations apply to commercial loans that are secured by real estate? Are there any exceptions when the real estate is taken as "an abundance of caution"? When do examiners assess civil money penalties for compliance 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? Real-life examples are used to explain how applicable regulations apply during the commercial loan application process.

Covered Topics:

·        Overview of commercial loan compliance hot spots, including Fair Lending laws, Flood Disaster Protection Act, accommodation loans, HMDA, and              insider lending 

·        High-level review of BSA requirements, including the new Beneficial Ownership Rules for Legal Entity Customers that became effective May 11,                  2018

·        How to determine whether the application is for a 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 has been taken as collateral

·        Overview of HMDA requirements and review of the rules for business-purpose loans that became effective January 1, 2018. Some financial                       institutions may be eligible for partial exemptions of some of the 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

·        What are some common compliance violations in the commercial loan area when real estate has been taken as collateral?

·        Flood insurance violations can be costly. What are some of the unique challenges with commercial buildings and collateral?

·        There are four "trip wire" events for flood insurance. Learn about the revised rules for "detached structures on residential property", this can                     include business purpose loans.

·        BONUS TOOLS

·        Matrix of 28 loan types; required disclosures for both consumer and commercial loans with explanations about real estate secured loans.

·        Checklists that outline which compliance regulations apply to commercial credit and the exemptions for certain rules.

·        HMDA flowchart and tips for 2019 reporting activity

·        Flood insurance resources

Who Should Attend:

This informative session is designed for Commercial Lenders, loan assistants and processors, loan operations staff, compliance officers, and auditors.


Susan Costonis is a compliance consultant and trainer.  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.

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM. 




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