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Course description

Data collection under the revised HMDA rule begins January 1, 2018 for all applications with action dates in 2018. 


This webinar will improve your understanding of the reporting requirements before you get too far into the reporting year. The topics include commonly asked questions on the revised HMDA rule. We will also leave time to take your questions on any aspect of HMDA. 

The webinar will cover how to approach completing the LAR as well as the following partial list of topics:
  • Loan Purpose including the new Not Applicable purpose
  • Occupancy, especially "investment"
  • Exclusions
  • Conditional Approvals
  • Income and DTI
  • Credit Scores
  • Automated Underwriting System Reporting
  • Preapprovals
  • Rate Spread
  • HOEPA changes
  • Denial reasons
  • Loans costs, points and fees, and other Regulation Z fields
  • Interest rate and first rate change
  • LTV/CLTV and Property Value
  • Application channel and initially payable fields
  • NMLSR ID who is covered and when to report Not Applicable

Instructor(s)

Kathleen Blanchard

Kathleen Blanchard has over 32 years of experience in banking. She has developed lending and regulatory processes as a banker and consultant and presents detailed regulatory training that is very process specific. Her banking background includes commercial and private banking lending, credit review, credit policy and procedures, risk management and regulatory compliance at both community, regional and large international banks. Kathleen has been providing training and consulting services for banks, credit unions and non-bank lenders on their regulatory compliance processes, HMDA and CRA reporting, process development and training since 2006. She is a Certified Regulatory Compliance Manager and a BOL Guru for BankersOnline.com. Kathleen presents her views and advice on HMDA and CRA and other regulatory matters at her website, www.kaybeescomplianceinsights.com Since 2015, Kathleen has been delivering in depth regulatory compliance consulting and training via The HMDA Academy, a unique personalized combination of consulting, training and resources delivered online to assist financial institutions and vendors in learning and applying the revised HMDA process and rules going into effect in 2017 and 2018.

Course curriculum

  • 1

    Video

    • HMDA Review – Answers to Common Revised HMDA Questions
  • 2

    Materials

    • Slides

    • Reporting Demographic Data

    • Conditional Approval Reporting for HMDA

    • HMDA Denial Reasons

    • Reporting Counteroffers on HMDA LAR

    • HMDA and Regulation Z Related Fields

    • Questions and Answers