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Adverse Action Notices Workshop

How Many Ways Can You Say “No” or “Maybe” without Getting in Trouble? (Hint: It’s more than you think. And yes, regulators are keeping score.)
OnDemand
DATE

Recorded Wednesday,
February 4, 2026

INSTRUCTOR

Lauren Sparks

FORMAT

Workshop

$450.00 or 4 Tokens

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Auditing
  • Commercial/Business Lending
  • Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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Join us for a 2.5-hour workshop built just for community bankers who juggle “no’s,” “not yets,” and “maybe with more collateral” while at the same time remaining compliant with Regulation B/ Equal Credit Opportunity Act (ECOA), and Regulation V/ Fair Credit Reporting Act (FCRA). We’ll unpack the what, why, and how behind Adverse Action compliance to prepare you for sustainable compliance and your next audit.

What You'll Learn

  • Handle the when and how of notifying applicants on denials
  • Review those tricky withdrawn applications with confidence
  • Process counteroffers the right way
  • Spot and prevent common audit pitfalls
  • Tackle second reviews like a pro

Who Should Attend

Anyone who deals with the “no” process: Loan officers, processors, compliance officers, auditors, and anyone who’s ever wondered, “Is this denial notice really complete?”

Lauren Sparks

Instructor Bio

With a career spanning 40+-years as a community banker and banking regulatory risk management consultant, Lauren Sparks is an accomplished advocate for community banks and women’s financial services leadership. In her career Ms. Sparks held positions in community banks that ranged from teller to Investment Officer, Loan Officer, and Cashier. She founded a women-owned, women-led denovo community bank and served as CEO and Chairman of the Board. In risk management consulting, Ms. Sparks moved to bank consulting firms at a local level, and then to a national level where as a Director she specialized in troubled banks and fintech. In 2009, Ms. Sparks formed 3PR, Inc., a woman-owned consulting firm specializing in community banks and financial service firms where she serves as CEO. 3PR serves more than 50 community banks at any given time and has been a preferred vendor for one of the world’s largest software providers.

She has edited the Reference Guide for Regulatory Compliance Manual (RGRC) for the American Bankers’ Association (ABA). Ms. Sparks is a founder of the Houston chapter of the Association of Certified Anti-Money Laundering Specialists (ACAMS) and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and has been an Accredited ACH Professional (AAP).

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