Commercial Loan Application Danger Zones

Aug 09, 2018 03:00pm -
Aug 09, 2018 04:30pm

Event Description

Which regulations apply to commercial loans?  What if a loan is secured by real estate?  Are there exceptions when real estate is taken as an “abundance of caution”?  Do your commercial lenders and support staff understand the data collection required for HMDA-reportable applications?  Is a written application required for a business-purpose loan?  Can examiners assess civil money penalties for violations?  Attend this webinar to learn the commercial loan application process step-by-step (including real-life examples that illustrate the regulations in easy-to-understand terms) and assure examiners that your commercial lenders have received current compliance training.


  • Overview of commercial loan compliance hot spots, including fair housing, Regulation B, Flood Disaster Protection Act, Fair Credit Reporting Act, accommodation loans, HMDA, and insider lending
  • High-level review of BSA requirements, including the new Beneficial Ownership Requirements for Legal Entity Customers effective May 11, 2018
  • How to determine whether the application is for business or consumer purposes
  • Compliance requirements when real estate is taken as collateral
  • Compliance with Regulation B appraisal rules on loan applications secured by a first lien on 1-4 family dwellings (no business-purpose exception)
  • Common commercial loan violations when real estate has been taken as collateral
  • Overview of HMDA requirements and changes to business-purpose loans for the rules effective January 1, 2018 (important exemptions for agricultural-purpose loan applications)
  • Flood insurance challenges with commercial buildings and collateral, including new rules for “detached structure on residential property” with a commercial purpose

Take-Away Toolkit

  • Matrix of 28 loan types; required disclosures for both consumer and commercial loans with explanations about real-estate-secured loans
  • Outline of compliance regulations that apply to commercial credit and rule exemptions
  • Commercial loan application template
  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

Who Should Attend?

This informative session will provide a greater understanding of commercial loan applications, including real-estate-secured loans.  It will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers.

Registration Options:

If you are having issues with registering online, please contact CBAO's Education & Training Coordinator, Lianne Simeone, (614) 610-1877.

Event Type:Webinar &/or On-Demand Link/CD
Early registration ends on May 04, 2018.
Regular registration starts on May 05, 2018 and ends on Feb 09, 2019.
Late registration starts on Feb 10, 2019.
(GMT-05:00) Eastern Time (US & Canada)


Registration Fees
Fee TypeEarlyRegularLate
 Live Webinar
Member Fee: $265.00$265.00$290.00
Non-Member Fee: $400.00$400.00$425.00
 Additional Hookups
Member Fee: $175.00$175.00$175.00
Non-Member Fee: $260.00$260.00$260.00
 Recorded Webinar + Free Digital Download
Member Fee: $345.00$345.00$345.00
Non-Member Fee: $490.00$490.00$490.00
 Both Live Webinar and Recorded Webinar + Free Digital Download
Member Fee: $395.00$395.00$420.00
Non-Member Fee: $600.00$600.00$625.00