1. Fair Lending Analysis: Meeting Regulatory Expectations and Providing Clarity for Your Institution

Fair Lending Analysis: Meeting Regulatory Expectations and Providing Clarity for Your Institution

Fair Lending Analysis: Meeting Regulatory Expectations and Providing Clarity for Your Institution
Event ID: 70210
Recording: 13200


Duration: 90 minutes including question and answer session.
Presenter(s): Kenneth Agle, president of AdvisX
$299.00, On-Demand includes full audio presentation, question and answer session, and presentation slides.
Who Should Attend? Compliance officers, lending officers overseeing HMDA, HMDA Analysts, loan officers, CRA officers, fair lending officers, operations officers, internal auditors

Fair lending’s challenges often seem murky and clouded by ambiguity. But, to the keen eye, there remain principles in play, which when understood, provide light on this key subject in the realm of regulatory compliance. This need for clarity and understanding through conducted analysis is essential given the ramifications of poor performance under fair lending. Institutions that fail to ensure sound analysis are likely to find themselves not only in the dark, but potentially fearful where proverbial “creepy things” of compliance tend to emerge.

Understanding the core elements of transactional analysis for HMDA and/or other higher risk lending programs remains a cornerstone to a sound fair lending program. This webinar will focus on risk factors that should drive the decision to conduct transactional analysis. The process of analyzing data requires consideration of logical scope and focus areas. This requires understanding of your institution's risk factors. Ken Agle will present a logical series of steps aimed at identifying the scope and focus for your efforts. From there, the process of transactional analysis requires context. There are many sources for establishing context and some of the best of them are readily available and require no subscription. He’ll present some of those sources and how they can be gathered and used. From this point, he’ll focus on how the analysis is conducted and how to present it in a logical report format. Mr. Agle will provide a sample approach report for attendees to use as part of their analysis. Presenting information in a report with sound conclusions is another key element of data analysis. He’ll cover some of the key points needed and those that should be avoided in presenting your findings. He’ll also discuss how new HMDA will be a major game changer in fair lending analysis and how preparations are needed now.

Whether you are new to fair lending or a seasoned veteran, this webinar will provide a strong combination of tools and potential new ideas for illuminating your fair lending analysis. Please join Ken Agle as he covers "Fair Lending Analysis: Meeting Regulator Expectations and Providing Clarity for Your Institution" and walks you through the core steps of completing analysis including a sample form for consideration.


This webinar will provide the key guidance you need to do your own Fair Lending Report, including:

  • A summary of the fair lending regulations, a synopsis of HMDA and why transactional analysis is so important.
  • How Scope is established and where focus comes into play.
  • Establishing performance context to your data from internal and/or external sources.
  • Where context can be useful in presenting potential performance gaps.
  • How to present the data and analysis in the sample provided report.
  • Making conclusions that promote understanding and direction.
  • Disparate impact update.
  • Changes at CFPB and what that means for your institution as far as fair lending.



Your conference leader for "Fair Lending Analysis: Meeting Regulatory Expectations and Providing Clarity for Your Institution” is Kenneth Agle. As president of AdvisX, Mr. Agle brings over 29 years of financial institution experience covering numerous facets of financial institution operations. Mr. Agle specializes in strategic regulatory response and in developing and implementing both proactive and reactive tools and systems to preempt and resolve issues affecting today’s financial institution. Prior to his consulting experience, Mr. Agle had been a financial institution examiner with the FDIC. As a commissioned examiner, Mr. Agle was principally involved in numerous examinations, including safety and soundness, compliance, BSA, IT and trust.


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