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HMDA – Thresholds, Exemptions, Temporary, Partial – How It All Works - 2019
Kathleen Blanchard Recorded on November 21, 2019
HMDA has many definitions and rules that affect reporting of individual transactions; however, knowing whether your financial institution should be reporting comes first. This 1-hour update will review the various reporting thresholds, exclusions and exemptions that must be considered before you ever look at a single loan or application.
This webinar will clear the clouds by explaining how this all works, including:
Closed end loans & Open-end loans lines thresholds – what is closed-end and what is open-end, what is counted, what is temporary, what is not temporary but may change;
Partial exemptions – what institutions are eligible, what are the thresholds and what is counted;
When to report after meeting a threshold;
What to do when a threshold has not been met.
The information presented will be helpful for compliance officers, lenders, auditors, examiners – anyone who needs to understand the intricacies of small business and small farm loans for CRA success.
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.