• When is an application complete?
• How many reasons for denial should you give?
• What are the reasons for denial when the applicant rejects your counteroffer?
• Did the customer withdraw the application, or did you discourage them - somehow?
• What if the reason came from the credit report? What if only some of the reasons came from the credit report? What should you tell the customer?
• What should you do if the co-borrower has bad credit? Who gets a notice?

Adverse action is one of the thorniest compliance problems. We just never seem to get it right. Why is telling the customer about the decision so difficult? It should be common sense. This Webinar is loaded with practical answers and clear guidance. You'll learn when an application is complete, when to send a notice to the customer and what to say in the notice. You'll also learn the differences between FCRA and ECOA notices and what you should do when the problem shows up in the credit report.

This is more than talk and theory. The Webinar will include some practical examples so you can see for yourself how the rules work.

About the speaker:  Lucy H. Griffin


Lucy Griffin brings to her clients over twenty-five years of experience working with regulatory agencies and financial institutions. Her extensive work experience with regulatory agencies includes the Federal Home Loan Bank Board, the Board of Governors of the Federal Reserve System, and the Federal Trade Commission. For more than five years, Griffin managed the Compliance Division of the American Bankers Association, managing the Division's activities which included production of compliance resources and programs. Griffin is the editor of Compliance Action and the co-author of the Compliance Accountability Manager. Griffin is also a Senior Advisor with the Paragon Compliance Group, a company dedicated to providing quality compliance training.

Nationally recognized as a leading compliance speaker and trainer, Griffin is on the faculty of ABA's National Compliance School, develops and leads the case study at ABA's National Graduate School of Compliance Management, and is a featured speaker at many national and state compliance conferences and seminars.

Griffin received her B.A. from the University of Michigan, a J. D. from Cornell Law School and is a Certified Regulatory Compliance Manager through the Institute of Certified Bankers and a Certified Risk Professional through the Bank Administration Institute.

This seminar will be delivered utilizing state-of-the-art technology. From the comfort of your office or conference room, you will receive the audio portion of the seminar via telephone, with companion slides, Web pages, polls, Q&A being delivered simultaneously over the Web. One AUDIO line per location can be placed on speaker phone to allow multiple participants.

Handouts will be provided and we welcome questions during and after the seminar, as well as in advance. Questions received after the seminar will be posted on a special Web page for later viewing by seminar attendees.

$199 per location.
Good for all registrations made one week prior to the event. Afterwards $225.

Contact Information: Billing questions can be directed to Carin Eisenhauer, carin@bankersonline.com. All other questions may be directed to mpetry@bankersonline.com

TEST YOUR SYSTEM: Click below to test receiving the presentation using Windows Media Player.

SYSTEM TEST USING WINDOWS MEDIA PLAYER