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Fair Lending Workshop for Community Banks

No matter how they may be interpreted going forward, Fair Lending requirements are here to stay. How does a community bank address Fair Lending? What are the baseline requirements and what does it look like in your bank? Let’s walk through the baseline framework and discuss steps to mature your Fair Lending Program.

Upcoming
Wednesday, April 2nd, 2025
1:30 pm - 3:30 pm
Presented by Lauren Sparks
2.5 CRCM Credits
$450.00 or 2 Tokens

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

  • Auditing
  • Compliance
  • Lending
  • Risk Management/Legal
  • Bank Legal Counsel
  • Compliance Officer
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Risk Manager
  • Senior Management
  • Training Manager
  • Trainer
  • Workout Specialist/Collector

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Limited Spots available! Join us for this special 2-hour class and workshop for community bankers to explore the 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 analyze the inter-related Equal Credit Opportunity Act (Regulation B) and Fair Housing Act. 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.

What You'll Learn

  • Regulation B and Fair Housing Act
  • Outline of types of Lending Discrimination
  • 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
  • Common errors and audit findings in Fair Lending Audits
  • Internal controls to support the Fair Lending Program
  • Hands on methods to track application activity and other metrics for self-analysis
  • Impact of pending small business application requirements (can you say 1071?)
  • Ideas/tips/tools from other bankers to try in your bank

Who Should Attend

This workshop will be advantageous to anyone 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 almost 40-years as a community banker and banking regulatory and risk management consultant, Lauren Sparks is an accomplished advocate for women’s financial services leadership, and community banks. In her career in banking, Ms. Sparks held positions that ranged from teller to Investment Officer, Loan Officer, Cashier, President and CEO. Ms. Sparks has been at bank consulting firms at a local level and 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. 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.
She 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

Fair Lending Workshop for Community Banks 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.