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Description:
This B2B webinar will review current HMDA rules under Regulation C. We will discuss the definition of a covered financial institution, including current loan volume thresholds for open-end and closed-end credit; covered applications and exceptions; the differences in filing consumer and commercial type applications; key compliance dates; and specific data point requirements.
Key Takeaways: Attendees will learn or refresh their knowledge on the current HMDA regulation, including thresholds for bank coverage.
People Who Should Attend:
Consumer and commercial mortgage loan staff who handle HMDA data, compliance officers, and auditors.
Presenter:
Elizabeth Holtrop
Compliance Advisor
Elizabeth serves as Compliance Advisor on the Compliance Hub team. Her banking experience includes trust department operations, consumer mortgage lending, and community bank compliance. Most recently she served on the compliance team for a holding company responsible for two community banks. She assisted with all aspects of the compliance management systems and served as alternate BSA/AML/OFAC officer for both banks, while keeping a primary focus on lending regulation. At the community bank level, Elizabeth created policies and procedures, prepared board reports, served on an internal fraud team, performed countless file reviews, implemented internal fair lending analysis processes, and coordinated compliance staff training in groups and for targeted performance concerns. Elizabeth worked with OCC, FDIC, and state examination teams.
Experienced as a consumer mortgage lender and underwriter, Elizabeth understands the difficulty of dealing with various factors such as TRID compliance, fair lending law, and secondary market rules while juggling excellent customer service and managing a book of business. Her focus has always been on demonstrating 100% compliance for auditors and examiners, while breaking down complex regulations into understandable concepts and step-by-step processes for bank staff. She began her interest in regulatory and legislative research while earning her BA (summa cum laude) in history and political studies from Huntington University. She holds CCBCO and CBAP certifications from the Independent Community Bankers of America.