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Webinar: Fair Lending Comparative File Review

Event Info


August 5th, 2015 2:00 PM   through   3:30 PM

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Fair lending continues to be an examiner hot button. As long as you are making loans, fair lending issues are here to stay. Although cases of overt discrimination are few and far apart, disparate treatment can happen inadvertently. Awareness and periodic monitoring of lending procedures can reduce the possibility of fair lending violations.

Examiners expect financial institutions to conduct ongoing fair lending comparative file reviews.  Since the best offense is a strong defense, this webinar will go step-by-step through a comparative file review and provide worksheets and a report format to make it easier.


  • Types of discrimination:  overt, disparate treatment, disparate impact
  • Lending practices and standards:  pricing, underwriting, file documentation, and exception monitoring
  • Steps examiners will go through during their fair lending exams
  • How and why to conduct a fair lending self-assessment (set the parameters of your fair lending standards)
  • Step-by-step guidance on how to conduct a fair lending comparative file review
  • Guidance on how to download loan information from your system to conduct an electronic comparison


  • Fair lending self-assessment questionnaire
  • Excel spreadsheet for data capture (it automatically generates trend analysis)
  • Cheat sheet of additional information to consider under new HMDA data requirements
  • Report boilerplate to summarize your analysis (for board reporting)
  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.


This informative session is directed to compliance officers, loan officers (commercial and consumer), lending support staff, and auditors.  Board members and management will also benefit from this timely session, because they are ultimately responsible for fair lending standards at your credit union.

Please note:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Ann Brode-Harner, Brode Consulting Services, Inc.

Ann Brode-Harner began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management.  Ann is a well-respected presenter and has spoken to audiences across the country for 25 years.  She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools.  Ann is the author of The Bank Deposit Documentation Manual for Front-Line Personnel, published by Bankers Publishing Company, and is well represented in numerous industry publications.


Note:  All materials are subject to copyright.  Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited.  Print materials may be copied for eligible participants only.


The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.  Registrants receive a toll-free number and pass code that will allow entrance to the seminar.  The session will be approximately 90 minutes, including question and answer sessions.  Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast.  You will need the most-current version of Adobe Reader available free at


Listen to the archived webinar on your


Instructions will be emailed with the archived webinar link.


Can’t attend the live webinar? The archived webinar is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the archived webinar link. This webinar link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.

As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts.  Use the archived webinar or this “off-the-shelf” training program for those that could not attend the live seminar and for future training.

The archived webinar (including the free CD ROM) may ONLY be ordered for 6 months following the webinar. Neither will be available after this time.


Options 1 and 2 described above


*CD ROM is for Mac and PC use only

This event is being conducted by CU Web Training on behalf of the Missouri Credit Union Association. Click here to register:



August 5th, 2015 2:00 PM   through   3:30 PM