Reporting HMDA Action Taken for Conditional Approvals

Recorded on June 4, 2019   |   With Kathleen Blanchard

Reporting HMDA Action Taken for Conditional Approvals

With Kathleen Blanchard
  • 1 Video
  • 1 Multimedia
  • 1 PDF
  • 2.0 hrs
Course description

Reporting conditional approvals for HMDA can be confusing; the types of conditions that are outstanding is a key factor in deciding how to report final action taken. This webinar will help you to understand the reporting requirements, how they correspond with Regulation B, and consider some process improvements that will improve the HMDA reporting process.

This webinar will cover:

the conditional approval process,

what is a conditional approval,

what is a credit decision for HMDA reporting purposes,

types of customary commitment or closing conditions and underwriting or creditworthiness conditions,

is action taken always denied if an adverse action notice is issued,

what is different from pre-2018 HMDA conditional approvals, and

procedures a financial institution can implement to clarify HMDA reporting.

Who Should Attend

Lenders, underwriters, lending managers, compliance officers, HMDA reporting staff, auditors, examiners – anyone who is involved with or needs to understand HMDA reporting.

Course Curriculum

Reporting HMDA Action Taken for Conditional Approvals
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Kathleen  Blanchard
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 Kathleen presents her views and advice on HMDA and CRA and other regulatory matters at her website,

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.