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Alabama Bankers Association
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Recorded Tuesday, March 18th, 2008
The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CRCM and CLBB credits.
It is a common misconception among those involved in commercial lending that “compliance doesn’t apply to us.” In fact, there are many rules and regulations that have a direct impact on the commercial lending function, and the penalties for noncompliance can be steep. In this webinar, we explore the range of rules and regulations that cover basic commercial lending (rules specific to real estate lending are excluded, as we cover them in another session). Learn what rules apply, when they apply, definitions of complex terms, as well as the penalties for noncompliance. Learn what these rules are, where to find them, and about the basics.
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- Regulation B – Fair Lending
- Regulation O - Lending to Insiders & Their Related Interests
- Regulation C – Home Mortgage Disclosure Act (HMDA) - unexpected commercial loan impact
- Regulation BB – Community Reinvestment Act (CRA)
- Appraisal Standards
- Flood Insurance Rules
- Real Estate Lending Standards (LTV Rules)
- USA Patriot Act Customer Information Program requirements
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This interactive session will give a basic understanding of each of these rules and is imperative for anyone performing duties in commercial lending areas of the financial institution. This includes loan officers, personal bankers, supervisors, auditors, compliance officers, trainers and others working in these types of positions.
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Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who works in Lending Compliance for a large financial institution in Ohio. Prior to this, Carl was a manager in the Finance & Performance Management service line for Accenture. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at dozens of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.
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