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Effectively managing consumer lending while staying compliant with regulatory requirements can be a challenge for some financial institutions. Dive into the basics of consumer lending, including the consumer loan function, marketing strategies, and learn to make informed lending decisions based on the five C’s of credit: capacity, capital, collateral, conditions, and character. Attendees will gain valuable insights into loan structure, support, and documentation while exploring how these elements play a crucial role in the lending process. Real-world examples, such as auto loans, RV loans, and home equity lines of credit (HELOC), will illustrate practical applications throughout the discussion.
The session will also address consumer loan compliance requirements, including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting. Plus, case studies will be used to demonstrate how these concepts are applied, providing a well-rounded understanding of consumer lending and regulatory compliance.
Learning Objectives:
Understand the basics of consumer lending, including key processes and practices.
Explore effective strategies for marketing consumer loans and attracting borrowers.
Learn how banks make lending decisions based on the five C’s of credit: capacity, capital, collateral, conditions, and character.
Examine the structure, support, and documentation of consumer loans, with practical examples such as auto loans, RV loans, and HELOCs.
Apply consumer lending principles through real-world case studies to reinforce learning and decision-making.
Duration: 90 minutes
ICBA Members
Live: $209
On-Demand: $229
Live + On-Demand: $249
Non-Members
Live: $309
On-Demand: $329
Live + On-Demand: $449
Unlimited Webinar Pass subscription: $0
*View CPE Credit Hours in the “Who Should Attend” section.
For more information, call 800-422-7285 or email education@icba.org.
Who should attend: Consumer Lenders, Loan Documentation Specialists, Private Bankers, Business Development Officers, Branch Managers, Financial Service Representatives
Prerequisites: Basic knowledge of banking.
Advanced Preparation: None
Program Level: Basic
Field of Study: Specialized Knowledge
Delivery Method: Group Internet Based.
CPE Credit Hours: 1.5
For more information, call 800-422-7285 or email education@icba.org.
ICBA Education is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: nasbaregistry.org.
In accordance with the standards of the National Registry of CPE Sponsor, CPE credits have been granted based on a 50-minute hour.
Osburn & Associates, LLC
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