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Community Bank HMDA Workshop

HMDA has morphed throughout its history to its current requirement of 110 total data fields. How your institution handles HMDA data reporting, sometimes without sophisticated software tools, impacts your success across several high-risk compliance categories, including the Community Reinvestment Act and Fair Lending.

Upcoming
Tuesday, August 26th, 2025
10:00 am - 12:30 pm
Presented by Lauren Sparks
3 CRCM Credits
$450.00 or 4 Tokens

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Auditing
  • Commercial/Business Lending
  • Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Reporting
  • Risk Management/Legal
  • Commercial Lender
  • Community Reinvestment Act Officer
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Risk Manager
  • Senior Management
  • Training Manager
  • Trainer

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Join us for this special 2.5-hour workshop for community banks to explore the requirements and the environment for HMDA reporting and accuracy. This means varying degrees of automation may be utilized. This session will include breakout rooms where you will get the opportunity to collaborate with peers, as well as our industry expert, Lauren Sparks. Space is limited, and live attendance is a must for this high-value learning experience!

One of the best ways to master this area is to learn from others, whether to see errors and build foolproof controls around them, or to hear about best practices you might adopt for yourself. We will be in search of the “root cause” for reporting problems.

Examples of HMDA internal controls will be outlined. Finally, we will break into groups to explore the operationalizing of compliance and best practices at your institution. Limited spots available! Let’s get it right!

What You'll Learn

  • Home Mortgage Disclosure Act overview
  • Covered institutions and reporting timelines
  • Key data fields
  • HMDA examination procedures, testing, error rates, and resubmission
  • Relationship of HMDA to Community Reinvestment Act and Fair Lending
  • Common errors and audit findings in HMDA exams
  • Internal controls to support the HMDA process
  • Ideas/tips/tools from other professionals to try in your institution

Who Should Attend

This session is ideal for anyone with hands-on responsibilities for HMDA, the Community Reinvestment Act, or Fair Lending, and/or compliance, as well as those handling key functions in lending from application through onboarding. This can include the loan operations team, loan officers, credit staff, compliance officers, and auditors.

Lauren Sparks

Instructor Bio

With a career spanning 40+ years as a community banker and banking regulatory and risk management consultant, Lauren Sparks is an accomplished advocate for community banks and women’s financial services leadership. In her early banking career, Ms. Sparks held positions that ranged from teller to Investment Officer, Loan Officer, and Cashier. 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 institutions. 3PR serves more than 40 community banks at any given time and has had experience as a preferred vendor for one of the world’s largest software providers.

Ms. Sparks edited the Reference Guide for Regulatory Compliance Manual for the American Bankers’ Association for 10 years. Ms. Sparks is a founder of the Houston chapter of the Association of Certified Anti-Money Laundering Association (ACAMS) and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and an Accredited ACH Processional (AAP).

Continuing Education Credit Information

Community Bank HMDA Workshop has been approved for 3 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

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