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Course description

Understanding the differences in applications for HMDA, Regulation B and TRID (Regulation Z) is key to correct handling and reporting and streamlining the reporting process.

Both HMDA and Regulation B allow the financial institution to define an application based upon internal processes, while TRID is specific regarding when an application is received and disclosures are required. Defining a HMDA application to be the same as a TRID application can lead to reporting problems when a loan is not originated and required information for the HMDA LAR is missing.  Confusing inquiries under Regulation B with HMDA rules can also lead to wasted time and HMDA errors.

Developing a firm process for HMDA applications can save a great deal of time by eliminating confusion and creating an efficient HMDA reporting process. The information in this webinar will help your financial institution to develop a solid HMDA application process. Viewers will come away with an understanding of the fields that absolutely must be completed on the HMDA LAR and which ones allow special reporting for missing information and how to incorporate those differences in your HMDA application definition.

This one-hour webinar will go into detail regarding best practices to define an application for HMDA, for both consumer purpose and business purpose loans.

WHO SHOULD ATTEND: Compliance officers and staff, HMDA reviewers, auditors, quality assurance staff, lending management, and any other staff members who need to be conversant in HMDA reporting rules.


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


    • Access Webinar

  • 2


    • Slides

    • Denied, Withdrawn, Closed for Incompleteness

    • Application Comparison Chart

    • Reg B Notification Summary

    • Questions and Answers


5 star rating

Define HMDA Applications and Reduce Stress

Ivelisse Morales

Great resource, information and tools.

Great resource, information and tools.

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5 star rating

I liked the title.

Rose Stainton

The content of the webinar was very informative. Kathleen Blanchard always does an excellent job. She explains in terms that I can understand. I will certai...

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The content of the webinar was very informative. Kathleen Blanchard always does an excellent job. She explains in terms that I can understand. I will certainly be using the slides and handouts as a future reference. I give it a 5 star rating!

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star rating