"My favorite part of attending ICBA Institutes is connecting with peers from other institutions. I look forward to future events knowing familiar faces will be there, and while the training is always excellent, it’s the networking that keeps me coming back."
-McKenzie Humpal, VP Compliance Officer at First Citizens Bank in Iowa
"Through ICBA, I earned the CCBIA, CBAP, and CCBCO designations, each enhancing my role at different stages of my career. Each designation provided valuable resources and insights that improved my expertise in these areas."
-Michael Hoehn, Assistant Compliance Officer and CRA Officer at First Metro Bank in Muscle Shoals, Alabama.
"The Fraud Seminar was excellent and very informative. I got a lot of resources that will help in our FI. Great tools."
-Donna Franklin, AmeriState Bank, Atoka, Ohio
Displaying slide 1 of 3
Unlimited Webinar Pass
One price for the whole bank
Access more than 80 live webinars and more than 100 on-demand webinars for a full 12 month period— all for one low price.
The Equal Credit Opportunity Act (ECOA), enacted through Regulation B,
prohibits discrimination in credit transactions. The law is designed to
protect applicants from unfair or discriminatory lending practices.
There is a wide variety of rules housed within Regulation B and in some
form or fashion are there to provide transparency, equal access, and
protections to the borrowers. This course will provide you with an
overview of the prohibited bases under ECOA, types of lending
discrimination, application information and evaluation, adverse action,
and appraisal notifications. This course is intended for all personnel.
Learning Objectives:
List the prohibited factors under the Equal Credit
Opportunity Act
Determine if your banks policies and procedures are unfair
and may lead to disciplinary action by the regulators
Know what information you may obtain from an applicant and
how you can use that information when evaluating a credit application
Provide proper notice to an applicant when taking adverse action
Comply with the appraisal notice and copy requirements of
Regulation B
