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HMDA Workshop

How does your community bank handle HMDA data reporting? How you do handle it ultimately impacts the bank’s success across several high‑risk compliance categories—including the Community Reinvestment Act (CRA) and Fair Lending. At a community bank this means varying degrees of automation may be utilized. How do we Get It Right?
Upcoming
DATE

Tuesday, August 18, 2026
11:00 am - 1:30 pm

INSTRUCTOR

Lauren Sparks

FORMAT

Workshop

CREDIT TYPE

3 CRCM Credits

$450.00 or 4 Tokens

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

  • Auditing
  • CRA Compliance
  • General Compliance
  • Lending
  • Mortgage Lending
  • Risk Management/Legal
  • 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

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Join us for this special 2½ hour class and workshop for community bankers to explore the requirements and the environment for HMDA reporting and accuracy. One of the best ways to master this area is to learn from others, whether to see errors and build a foolproof control 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.

What You'll Learn

Home Mortgage Disclosure Act Overview:

  • Covered application
  • Key Data Fields, exam procedures, errors and resubmission
  • Relationship of HMDA to Other Compliance: CRA, Fair Lending, Reg B, 1071
  • Common errors and audit findings in HMDA audits
  • Internal controls to support the HMDA Process
  • Workshop Session: Cameras and microphones on! We will break into groups for Q & A review and
  • ideas/tips/tools to share with your banker peers

Who Should Attend

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 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).

Continuing Education Credit Information

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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