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Fair Lending Workshop

What in the world is happening with the Fair Lending rules since 2025? There has been regulatory uncertainty on how the rules still apply and what areas are changing due to Executive Orders and interpretive variations. How does this impact FAIR LENDING at my community bank?

Upcoming
Beginner Friendly
DATE

Thursday, April 2, 2026
2:30 pm - 5:00 pm

INSTRUCTOR

Lauren Sparks

FORMAT

Workshop

CREDIT TYPE

2.5 CRCM Credits

$450.00 or 4 Tokens

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

  • Teller
  • Trainer

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Let’s walk through the baseline framework that is not changing, understand what is, and discuss steps to mature your community bank Fair Lending Program. Limited Spots available! Join us for this special 2 ½ hour class and workshop for community bankers to explore the current and changing requirements and the environment for Fair Lending standards.

We will discuss the basic requirements that all community banks must demonstrate, beginning with the Fair Lending risk assessment process. We will also review policy, training, application and underwriting processes. We will share common errors, audit exceptions and exam findings to highlight potential gaps. Finally, we will break into groups to explore the operationalizing of compliance and best practices at your institution, including risk-rating loan exceptions for Fair Lending. We will share in a “cameras on”, “microphones on” mode during the workshop.

What You'll Learn

  • Regulation B and Fair Housing Act
  • Types of Lending Discrimination
  • Basic Elements of a Community Bank Fair Lending Program
  • Relationship of Fair Lending to Community Reinvestment Act (CRA)
  • An understanding of Reasonably Expected Market Area (REMA) and red-lining
  • Risk Rating loan exceptions
  • Common errors and audit findings in Fair Lending Audits
  • Internal controls to support the Fair Lending Program
  • Impact of the ever-changing small business application requirements (can you say 1071?)
  • A workbook complete with ideas/tips/tools from other bankers to try in your bank

Who Should Attend

This workshop will be advantageous to any community banker with hands-on responsibilities for Fair Lending and/or Community Reinvestment Act compliance, as well as those handling loan adverse actions and loan exceptions. This can include loan officers, loan processors responsible for denials and/or second review, compliance officers, and auditors.
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 Association (ACAMS) and is a Certified Anti-Money Laundering Specialist (CAMS), Certified Regulatory Compliance Manager (CRCM), and has been an Accredited ACH Processional (AAP).

Continuing Education Credit Information

Fair Lending Workshop has been approved for 2.5 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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