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How NCUA's New Fair Lending Exam Procedures Affect the Frontline Webinar
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When: Archive
2:00 - 3:30 p.m.
Where: In Your Credit Union
Contact: Kristina Kirchmer

Online registration is closed.
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On March 19th, the NCUA issued guidance for federal credit unions (13-FCU-02) and a new 55-page Fair Lending Guide, which address fair lending examinations and training.  The NCUA enforces three fair lending laws – Equal Credit Opportunity Act (Reg B), Home Mortgage Disclosure Act (Reg C) and the Fair Housing Act.  Could your federal credit union be selected for a fair lending exam based on these risk factors?

  • HMDA Outlier – data shows your lending practices are outside the "normal” range for pricing, denials, withdrawals, or lending terms. What’s normal?
  • Fair Lending Violations – NCUA identified fair lending findings or violations noted in recent safety and soundness exams, including compliance exceptions
  • General Compliance Risks – moderate or high-risk ratings on compliance issues received during the last safety and soundness exam
  • Other Factors – potential for higher fair-lending risk because of the volume, types, or complexity of the products and services offered; types of communities served; and if the credit union has been the subject of lending-discrimination complaints.

What do you need to know to assess your fair lending risk?  What are the most-frequent problems in fair lending exams?  Fair lending training isn't just for employees in the loan areas!  Every employee that interacts with members must understand the basic requirements of Regulation B which prohibit discouraging a member or potential borrower.  Join us to learn how to prove compliance with the new NCUA Fair Lending Guide.


  • How to respond when a member asks, "Do you think I'll qualify for a loan?"
  • What is an oral application under Reg B?
  • Questions you can and can’t ask
  • Comments that could discourage
  • What if you deny a member’s loan request?
  • How to handle a discrimination complaint
  • Taking and processing an application
  • The 3 types of discrimination and the 9 prohibited bases
  • The latest fair lending "hot buttons”
    • Fair lending risk assessment template to determine quantity and quality of fair lending risk
    • Checklists for preventing common lending compliance mistakes in Regulation B technical compliance, including an Adverse Action Guide
    • Analysis of NCUA checklists for Reg B, Fair Housing, and HMDA and best practices to prove compliance and reduce fair-lending risk

Who Should Attend?
This informative session is designed for compliance officers, auditors, loan officers, loan assistants, loan administration staff, and anyone who interacts with members regarding a loan application. Attendance verification for CE credits provided upon request.

About the Presenter: Susan Costonis, Compliance Consulting and Training for FIs
Susan Costonis is a compliance consultant and trainer.  She specializes in compliance management along with deposit and lending regulatory training.  Most of her 34-year career was spent as a banker in several areas including lending, loan administration, electronic banking, and compliance risk management. 

Susan has written numerous training manuals and successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies.  She has worked for institutions supervised by the OCC, FDIC, and Federal Reserve.  Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado.  She regularly presents to financial institution audiences in several states and "translates” complex regulations into simple concepts by using humor and real life examples.

Educational Investment:

Archive Only
Over $75 million


$7 - 75 million


Under $7 million


Cancellation Policy: Sorry, no cancellations are allowed after connecting instructions and handout materials are distributed to registrants. Substitutions are welcomed and encouraged.

Please note: The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone.