Do Commercial Lenders Have to Worry About Compliance? More Than You Might Think

Carl Pry


Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Vice President and Compliance Manager for a large financial institution in Ohio. 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 is a frequent contributor to 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.
Tuesday, September 22nd, 2009
1:30 pm - 3:30 pm CT
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.

Compliance doesn't apply to commercial lenders, right? It certainly is a common misconception among those involved in commercial lending that "compliance doesn't apply to us." But in fact, there are many rules and regulations that have a direct impact on the commercial lending function. Many of those are rules that people typically think are consumer-only. In addition, examiners are looking more closely at commercial loans due to turbulence in the marketplace.

We'll explore the range of rules and regulations that cover commercial lending so you're not caught unaware.

Covered rules include:

  • Fair Lending - not just for consumer loans
  • Regulation O - do you count all your related interests?
  • HMDA - unexpected impact and making sure all proper applications are reported
  • Community Reinvestment Act (CRA) - reporting and community development
  • Appraisals - new rules and emphasis
  • Flood Insurance - construction and condos especially
  • Real Estate Lending Standards (LTV Rules), including nonconforming loans
  • USA Patriot Act Customer Information Program requirements

Who Should Attend?

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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