Regulatory Compliance Conference: Lending
Topics & Objectives

Please note that the Topics/Objectives listed below are subject to change.

Day One: Federal Consumer Lending Regulations

Regulation Z and Truth in Lending Act

• Discuss the new Reg. Z and what it means for your credit union
• Know the practical effects and obligations for the new and pending Reg. Z revisions
• Discover how the disclosure requirements apply to every type of consumer loan
• Understand the types and timing of disclosures in open-end and closed-end lending
• Know how Reg. Z affects the advertising of lending products

Regulation B and Equal Credit Opportunity Act

• Get an overview of the Regulation B along with the Fair Housing Act and other relevant laws
• Learn the ins and outs of the new revisions and developments
• Know the rules that apply to every stage of the credit application process
• Ensure your policies and procedures are up to date

Fair Credit Reporting Act

• Understand the general purpose and requirements of the FCRA
• Learn about revisions under the FACT Act of 2003, together with the evolving regulations from NCUA and other regulators
• Focus on provisions that affect your credit union's interaction with credit reporting agencies
• Discover what information providers, including your credit union, need to know about credit reports
• Understand the credit practice rules and NCUA's lending regulations for state and federal credit unions

Day Two: Advanced Lending Considerations

Lending Myths and Misunderstandings

• Know the truth behind common lending dos and don'ts
• Understand the legal basis behind the newest revisions, examination issues, and case law
• Learn about recent announcements from the NCUA and other regulators
• Make informed business decisions on how to update your policies and practices

Real Estate Lending Compliance Update and Predatory Lending

• Avoid common errors that may expose your credit union to liability
• Discuss pitfalls that could impair the liquidity of your real estate portfolio

Flood Disaster Act and Regulations

• Review your credit union's obligations
• Learn about recent enforcement actions and violations

Advertising and Marketing Considerations

• Review the basic rules as well as protective steps to consider

Electronic Commerce: Lending Tools from Applications to Disclosures

• Review the applicable laws
• See examples of the right and wrong ways to comply

Legal and Regulatory Issues in Member Business Relationships and Commercial Lending
This session is taught from a new section of the CUPP Manual. This program emphasizes basic legal concepts and practical issues as well as NCUA Regulation 12 CFR 723

• Gain a true understanding of business entities, such as sole proprietor, individual borrower, and corporation
• Learn about the differences in consumer, commercial, and member business lending
• Understand the different documentary and underwriting challenges
• Identify the risks related to business lending
• Discuss participations and agreements among participants
• Determine the qualifications of an entity for credit union membership

For more program content information or to request a brochure call 800-356-9655, ext. 4882, or email abollman@cuna.coop. For registration questions, call 800-356-9655, ext.4400 or e-mail reginfo@cuna.coop.