Documenting an Applicant's Intent to be a Joint Applicant

Recorded on October 07, 2016   |   With David Dickinson

Documenting an Applicant's Intent to be a Joint Applicant

With David Dickinson
  • 1 Video
  • 3 PDFs
  • 2.0 hrs
Course description

ICB Credit: 2.5 CRCM

Joint intent is often something that lenders assume or take for granted. However, in the case of joint intent, even seemingly innocent assumptions can get your financial institution into a lot of hot water. Joint intent falls under the Equal Credit Opportunity Act (Regulation B) and can carry with it violations of the illegal discrimination and the fair lending variety. Join BOL Guru David Dickinson to learn the who, what, when, where and how's to documenting an applicant's intent to be a joint applicant.

Regulation B requires that you affirmatively document an applicant's intent to apply for joint credit. David will immerse you into this topic by analyzing many real life examples. You will also learn when you can and cannot require someone to sign a loan contract according to regulatory requirements.

Course Curriculum

Documenting an Applicant's Intent to be a Joint Applicant
Questions and Answers
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David  Dickinson
David Dickinson

David’s banking career began as a field examiner for the FDIC in 1990. He later became a Loan Officer for a small bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces.

He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA’s Regulatory Compliance Conference. David is also a trainer for hundreds of webinars, is a Certified Regulatory Compliance Manager (CRCM) and has been a BankersOnline Guru for many years. The American Bankers Association honored David with their Distinguished Service Award in 2016.

David and his wife Karen have 3 adult children (none of whom live at home!) & 3 cats (which Dave is allergic to). They live on a lake in Nebraska and when possible, Dave can be found fishing or in the water. David plays the guitar & piano and enjoys singing with Karen. Together they lead worship at their church.