CRA Education & Training

Your CRA performance context is your opportunity to tell your institution’s story. In this session, you’ll learn how to develop a compelling, well-supported performance context that highlights your market conditions, community needs, and strategic approach. We’ll cover what regulators look for, how to gather and organize data, and techniques for presenting your narrative in a way that strengthens your CRA exam results.

Fair lending compliance requires more than understanding regulations. Institutions must be able to identify risk, evaluate lending practices, document findings, and demonstrate that fair lending risks are appropriately managed. This seminar provides a practical, risk-focused approach to fair lending oversight for community banks, including risk assessments, self-evaluations, data review considerations, redlining analysis, and fair lending program governance. Participants will explore how institutions can identify areas of elevated risk, consider relevant data and documentation, review lending practices such as pricing, underwriting, exceptions, and geographic lending patterns, and communicate findings to management and the board. Designed from a practitioner perspective, the program focuses on practical, supportable approaches that can be adapted to an institution’s size, complexity, products, markets, and risk profile. Rather than focusing solely on regulatory requirements, the course emphasizes the processes, documentation, and decision-making that support an effective fair lending compliance management program. The program is designed for compliance officers, auditors, risk management personnel, lending managers, and others responsible for fair lending oversight and monitoring. Learning Objectives Describe the key components behind fair lending compliance and recognize common risks. Understand how to develop and maintain a fair lending risk assessment and utilize the results. Distinguish self-evaluations from self-tests and understand how to scope a review. Recognize common review areas and how to identify opportunities for program improvement. Understand how to communicate risk assessment and self-evaluation results to leadership and how to utilize the results.

The ICBA Compliance Institute is built to meet the needs of seasoned professionals seeking the latest regulatory education and industry best practices as well as newer compliance officers seeking to gain a clear understanding of the fundamental concepts of each regulation. This high-quality program provides a fast-paced learning environment that will lead to a detailed study of the relevant areas of regulatory compliance with a focus on the key concepts that spell success in the examination context. Each regulation is approached in terms of the requirements, best practice internal controls, and audit objectives. Learning is reinforced with many sample disclosures, applicability charts, and illustrative quizzes and exercises. The program addresses current hot issues and areas of focus in regulatory compliance. Deep dives into the common challenges related to recent regulatory reform will be covered and the latest guidance and interpretations on all recent rule-making efforts will be discussed. This solid foundation allows the attendee to return to their bank and support their product and service offerings and remain competitive in their marketplace. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. Learning Objectives: Understand the key elements of a bank’s compliance management program.Understand the fundamental and disclosure requirements of bank lending regulations including Reg Z, RESPA, HMDA, SAFE Act, Military Lending Regulations, Homeownership Counseling Act, and flood insurance compliance.Identify fair lending practices and data collection/reporting requirements as outlined in ECOA/Reg B, FCRA, CRA, HMDA, and Fair Housing Act.Outline the key privacy requirements banks must follow under Reg P including the Sections 13, 14, and 15 information-sharing exceptions.Associate deposit account disclosure requirements with the appropriate regulations including Reg CC, Reg DD, and Reg EIdentify disclosure requirements and permissible activities under Right to Financial Privacy Act, Consumer Sales of Insurance, and Non-Deposit Investment Products.Understand the risk exposure and mitigation steps banks may take to manage UDAAP compliance for the bank.Recognize compliance risks and disclosure requirements in advertising and marketing activities by a bank.