HMDA Bootcamp
2025-07-21 09:00 - 12:00 (America/New_York) | Virtual
HMDA Bootcamp
Presented by Michelle Strickland and Monique Reyna, TCA Compliance
Live Streamed ~ July 21, 2025, 9:00 a.m. to Noon CT

A commercial loan secured by an eight-unit residential apartment building is being originated for the purpose of reimbursing the borrower for the purchase and renovation of the apartment building. Is this loan HMDA reportable?

Join the HMDA Boot Camp for the answer to this question, and many other HMDA questions. Whether you are reporting all HMDA fields or limited fields under the exemption, there is a lot that goes into preparing the HMDA LAR. We will review:

Determining whether a loan is HMDA reportable
Requirements and Definitions for each Data Field
Development of sound HMDA Procedures
Timing and Filing Requirements
Refiling when required.

The HMDA Boot Camp is an in-depth program reviewing all requirements of Regulation C. If you are new to HMDA or are an experienced HMDA reporter, this program will be beneficial. The program allows time to address any HMDA questions from participants.

Regulatory Compliance Series
2025-09-15 08:30 - 2025-09-19 16:30 | Center for Banking Excellence, 3201 West White Oaks Dr., Suite 400, Springfield, IL, 62704, United States
This comprehensive series provides an overall deep understanding of the complexities of regulatory compliance and how they apply to everyday situations. New and seasoned team members will diminish the complex nature of regulatory compliance after attending this program. View/Share Program Flyer
Audience
Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Credit Compliance, Part 1 – September 15
Reg B: Equal Credit Opportunity Act
• Equal treatment and fair lending considerations
• Application stages: inquiries, incompletes, withdrawals, denials, and approvals
• Collection of government monitoring information
• Adverse action rules and business loan denial options
• New requirements for providing copies of appraisals and evaluations.
Fair Credit Reporting Act
• Permissible purpose
• Requirements of users of consumer reports
• Duties of furnishers of information to a CRA
• Requirements relating to identity theft.
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
• The FTC Act/Dodd-Frank Act
• Standards for determining what is unfair, deceptive, or abusive.
• Deceptive acts and practices
• Abusive acts or practices
• Managing risks
Flood Disaster Protection Act
• Flood insurance eligibility and determination
• Private Policy requirements and challenges
• Required notification and acknowledgment.
• Insurance and escrow requirements
• Force placed insurance, penalties, and liabilities.
• What examiners look for in a flood exam.
Reg C: Home Mortgage Disclosure Act (HMDA)
• Requirements, responsibility, and reporting
• Loan application register
• Setting HMDA audit sampling sizes
• Discuss common violations.
• Discuss the expanded data field.
Learning Objectives After this program, participants should be able to:
• Differentiate between an application and an inquiry for disclosure purposes, describe the eight stages of an application and identify the latest fair lending issues
• Understand key regulatory provisions of lending rules such as furnishing adverse action notices and FACTA disclosure requirements
• Calculate flood insurance coverage for residential, commercial, and condos using replacement cost value rules
• Complete a HMDA report and understand the coding rules to determine what transactions are HMDA reportable
Credit Compliance Part 2 – September 16
Reg Z: Truth in Lending Act
• Coverage and exemptions
• Finance charges, annual percentage rate and amount financed
• Adjustable-rate mortgage (ARM) disclosures
• Mortgage transfer disclosure
• Right of rescission
• Higher-priced mortgage loans
• Homeownership counseling
• Ability-to-Repay / Qualified Mortgage rules
Reg X: Real Estate Settlement Procedures Act (RESPA)
• Homeownership counseling
• General disclosure requirements
• Restriction of fees
• Escrow accounts
• Mortgage servicing and error resolution procedures
• Early intervention requirements, continuity of contact, and loss mitigation procedures
Learning Objectives After this program, participants should be able to:
• Describe the Ability-to-Repay and QM rules
• Understand the QM exemption rules
• Identify finance and prepaid charges, calculations, APR tolerances, and payment streams on Truth in Lending disclosures
• Recognize when kickback provisions expose the bank to penalties, calculate the initial escrow statement, and perform an ongoing annual accounting adjustment when there is a funding surplus, shortage, or deficit
Credit Compliance, Part 3 – September 17
Homeowners Protection Act (PMI)
• Coverage
• Cancellation and termination
• Disclosure requirements
• Civil liabilities
Reg Z: TILA-RESPA Integrated Disclosures
• Loan estimate
• Closing disclosure
• Tolerances
Military Lending Act
• Coverage
• Lending limitations / Prohibited practices.
• MAPR calculation
• Disclosure requirements
Learning Objectives After this program, participants should be able to:
• Understand the PMI requirements.
• Review new loan estimates and closing disclosures.
• Describe the three tolerance thresholds and applicable fees for each.
• Understand the coverage, scope, and requirements for compliance with the Military Lending Act provisions.
Deposit Compliance – September 18
Reg D: NOW Eligibility and Reserve Requirements
• Repeal of the withdrawal restrictions on savings and money market accounts
• Regulatory minimum and your bank’s early withdrawal penalty
• What are the reserve requirement rules? How do they impact compliance?
• Interest-bearing DDA vs. NOW accounts – they’re not quite the same.
• Interest premium rules – Do they still matter?
Reg E: Electronic Funds Transfer Act
• Disclosures and notices
• Resolving error claims
• Electronic check conversion
• Customer Education
• Remote deposit capture
• Mobile banking
• Foreign remittance rules
• Payroll card and gift card rules
• Examination trends and frequent findings
• Overdraft Opt-ins
Reg CC: Expedited Funds Availability Act
• Disclosures and notices
• Implications of item posting order.
• Common hold notice errors
• Check 21
• Remotely Created Checks
Reg P: Privacy and Information Sharing “Opt-Outs”
• Reg P rules
• Model form (01/01/11)
• Connection with FCRA sharing.
• Do not market/Do not solicit policies
• New CFPB annual disclosure rules
Reg S: Right to Financial Privacy
• Government information requests
• Reimbursement
Fair Credit Reporting Act/ID Theft “Red Flags”
• Address discrepancies
• Credit report alerts
• Other “red flags”
• Affiliate marketing
• Annual report
Reg DD: Truth in Savings Accounts (TISA)
• Disclosures and notices
• Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
• The higher-risk parts of the rules (e.g., inconsistent terminology, products/terms changes)
• Advertising compliance
• Common disclosure errors
• Courtesy Overdraft Programs
Learning Objectives After this program, participants should be able to:
• Identify the information that must be disclosed to deposit account customers.
• Recognize compliance solutions that can enhance sales and operations processes.
• Identify and correct deficiencies that might exist in deposit account disclosures; and
• Understand Truth in Savings (Reg DD) rules.
• Understand the latest enforcement trends for TISA/Reg DD including UDAAP.
• Demonstrate knowledge of the details and bank-wide impact of selected rules.
BSA/AML Compliance and Regulatory Panel – September 19
BSA, AML and USA Patriot Act
• Program components/pillars
• Technical requirements
• CTR requirements and exemptions
• CIP and the beneficial ownership final rule
• Customer due diligence and enhanced due diligence – the 5th Pillar
• Suspicious activity monitoring
• OFAC
• 314(a) searches and 314(b) registration and advantages
• Core and expanded examination procedures
• BSA hot topics (medical marijuana, hemp, Bitcoin, beneficial ownership)
• Recent exam findings and applying lessons learned from enforcement actions
Learning Objectives After this program, participants should be able to:
• Establish a comprehensive BSA/AML program
• Demonstrate knowledge of the details and bank-wide impact of selected rules
TCA Compliance Facilitators
Brian Crow, CAMS, Managing Partner and Co-President
Michelle Strickland, CRCM, Managing Partner and Co-President
Monique Reyna, CRCM, Compliance Consultant
Continuing Education
ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This series has been approved for 8 CAFP, 40 CRCM credits (Programs 1-5 CRCM 8 credits each, Program 5 – 8 CAFP credits). This statement is not an endorsement of this program or its sponsor.
The IBA is recognized as a continuing professional education sponsor for public accountants by the Illinois Department of Financial and Professional Regulation. Public accountants licensed in the state of Illinois will earn 35 credits of continuing professional education credit for attending the five-part series (7 credits per program).
Hotel Information
Courtyard – Springfield
3462 Freedom Drive
Springfield, IL 62704
Hotel: 217-793-5300
IBA Rate: 20% off the available rate
Per Person Fee
IBA Member
All five programs: $1,225
Individual program: $265
Nonmember
All five programs: $2,045
Individual program: $445

Connect & Protect Experience
2026-03-25 08:00 - 2026-03-27 17:00 | Hotel Roanoke, 110 Shenandoah Ave NE, Roanoke, VA, 24016, United States
An Event for Marketing, Human Resources, Retail Banking, Training, Security, Enterprise Risk Management, Operations and Technology, and Compliance Professionals

March 25, 2026 – March 27, 2026

The Connect|Protect Experience is an event for marketing, HR, retail banking, training, security, ERM, operations and technology and compliance professionals that will uncover new ideas, trends and developments in banking.

Regulatory Whiplash – Bank Compliance in the Trump Era (Compliance)
Michelle Strickland | TCA
The past year has been a whirlwind for financial institutions and in turn, compliance professionals. Prior administrations rules repealed, enforcement actions dropped, guidance repealed and the CFPB’s existence on the chopping block. The message sent may be heard as “compliance is no longer important” or unnecessary. This messaging may make it difficult for compliance officers to continue the efforts of managing an effective Compliance Management System. This session will provide attendees with perspective and guidance on how to keep their CMS on track and focus on risks relevant to your institution.

BSA/AML 2-Day School
2026-04-08 08:00 - 2026-04-09 17:00 | Drury Plaza Hotel Richmond, 11049 West Broad Street, Glen Allen, VA, 23060, United States
SA/AML 2-Day SchoolVirginia Bankers Association
Glen Allen, VA

April 8, 2026 – April 9, 2026

The 2026 BSA/AML 2‑Day School provides comprehensive training to meet annual BSA requirements while equipping professionals with practical, real‑world compliance skills. The program explores evolving risks, foundational BSA/AML requirements, examiner hot buttons, and regulatory updates. Attendees will learn how to detect emerging fraud, manage higher‑risk relationships, and strengthen their institutions’ BSA/AML programs in today’s changing regulatory environment.
Seminar Information & Session Topics*

This two-day program is designed to encompass the broad range of topics included in the realm of the Bank Secrecy Act and Anti-Money Laundering.​
Specific topics for 2026 will be posted soon!
*Note: Topics are subject to change based on new guidance or regulation that is published.

2026 BSA Academy
2026-04-27 08:00 - 2026-04-30 17:00 | The Lodge at Gulf State Park, 21196 East Beach Blvd, Gulf Shores, AL, 36542, United States
This week long school provides an up-to-date overview covering a wide range of top industry concerns to ensure your knowledge and understanding of BSA/AML Requirements. In the age of deregulation, BSA/AML is here to stay, with its ever-increasing compliance expectations. Our faculty is highly experienced and knowledgeable. You won’t want to miss this opportunity to dive in deep and bring back helpful knowledge and resources for your bank. We will also have fun!

WHO SHOULD ATTEND?
The school is designed for BSA professionals with a working knowledge of all aspects of the BSA compliance management including BSA, AML, compliance, risk management, auditors, and fraud. Individuals with accountability for BSA compliance will also benefit from this program, such as: retail management, risk management, operations, and employee development.

Compliance School (Hosted by: Maryland, North Carolina, and Virginia Bankers Associations)
2026-05-18 08:00 - 2026-05-21 17:00 | Virginia Bankers Association, 4490 Cox Road, Glen Allen, VA, 23060, United States
Compliance School consists of two tracks, Lending and Deposits, and is designed for entry-mid level compliance personnel.
In 2026, the MBA, NCBA and VBA will join together to host the school with a three- day Lending Track and a one-day Deposits Track.

Regulatory Compliance Series
2026-08-24 08:30 - 2026-08-28 16:30 | Virtual
Hybrid Event

Monday, August 24, 2026 – Friday, August 28, 2026 iCalendarCentral Standard Time

This comprehensive series provides an overall deep understanding of the complexities of regulatory compliance and how they apply to everyday situations. New and seasoned team members will diminish the complex nature of regulatory compliance after attending this program.
Audience
Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Credit Compliance, Part 1 – August 24
Reg B: Equal Credit Opportunity Act
• Equal treatment and fair lending considerations
• Application stages: inquiries, incompletes, withdrawals, denials, and approvals
• Collection of government monitoring information
• Adverse action rules and business loan denial options
• New requirements for providing copies of appraisals and evaluations.
Fair Credit Reporting Act
• Permissible purpose
• Requirements of users of consumer reports
• Duties of furnishers of information to a CRA
• Requirements relating to identity theft.
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
• The FTC Act/Dodd-Frank Act
• Standards for determining what is unfair, deceptive, or abusive.
• Deceptive acts and practices
• Abusive acts or practices
• Managing risks
Flood Disaster Protection Act
• Flood insurance eligibility and determination
• Private Policy requirements and challenges
• Required notification and acknowledgment.
• Insurance and escrow requirements
• Force placed insurance, penalties, and liabilities.
• What examiners look for in a flood exam.
Reg C: Home Mortgage Disclosure Act (HMDA)
• Requirements, responsibility, and reporting
• Loan application register
• Setting HMDA audit sampling sizes
• Discuss common violations.
• Discuss the expanded data field.
Learning Objectives After this program, participants should be able to:
• Differentiate between an application and an inquiry for disclosure purposes, describe the eight stages of an application and identify the latest fair lending issues
• Understand key regulatory provisions of lending rules such as furnishing adverse action notices and FACTA disclosure requirements
• Calculate flood insurance coverage for residential, commercial, and condos using replacement cost value rules
• Complete a HMDA report and understand the coding rules to determine what transactions are HMDA reportable
Credit Compliance Part 2 – August 25
Reg Z: Truth in Lending Act
• Coverage and exemptions
• Finance charges, annual percentage rate and amount financed
• Adjustable-rate mortgage (ARM) disclosures
• Mortgage transfer disclosure
• Right of rescission
• Higher-priced mortgage loans
• Homeownership counseling
• Ability-to-Repay / Qualified Mortgage rules
Reg X: Real Estate Settlement Procedures Act (RESPA)
• Homeownership counseling
• General disclosure requirements
• Restriction of fees
• Escrow accounts
• Mortgage servicing and error resolution procedures
• Early intervention requirements, continuity of contact, and loss mitigation procedures
Learning Objectives After this program, participants should be able to:
• Describe the Ability-to-Repay and QM rules
• Understand the QM exemption rules
• Identify finance and prepaid charges, calculations, APR tolerances, and payment streams on Truth in Lending disclosures
• Recognize when kickback provisions expose the bank to penalties, calculate the initial escrow statement, and perform an ongoing annual accounting adjustment when there is a funding surplus, shortage, or deficit
Credit Compliance, Part 3 – August 26
Homeowners Protection Act (PMI)
• Coverage
• Cancellation and termination
• Disclosure requirements
• Civil liabilities
Reg Z: TILA-RESPA Integrated Disclosures
• Loan estimate
• Closing disclosure
• Tolerances
Military Lending Act
• Coverage
• Lending limitations / Prohibited practices.
• MAPR calculation
• Disclosure requirements
Learning Objectives After this program, participants should be able to:
• Understand the PMI requirements.
• Review new loan estimates and closing disclosures.
• Describe the three tolerance thresholds and applicable fees for each.
• Understand the coverage, scope, and requirements for compliance with the Military Lending Act provisions.
Deposit Compliance – August 27
Reg D: NOW Eligibility and Reserve Requirements
• Repeal of the withdrawal restrictions on savings and money market accounts
• Regulatory minimum and your bank’s early withdrawal penalty
• What are the reserve requirement rules? How do they impact compliance?
• Interest-bearing DDA vs. NOW accounts – they’re not quite the same.
• Interest premium rules – Do they still matter?
Reg E: Electronic Funds Transfer Act
• Disclosures and notices
• Resolving error claims
• Electronic check conversion
• Customer Education
• Remote deposit capture
• Mobile banking
• Foreign remittance rules
• Payroll card and gift card rules
• Examination trends and frequent findings
• Overdraft Opt-ins
Reg CC: Expedited Funds Availability Act
• Disclosures and notices
• Implications of item posting order.
• Common hold notice errors
• Check 21
• Remotely Created Checks
Reg P: Privacy and Information Sharing “Opt-Outs”
• Reg P rules
• Model form (01/01/11)
• Connection with FCRA sharing.
• Do not market/Do not solicit policies
• New CFPB annual disclosure rules
Reg S: Right to Financial Privacy
• Government information requests
• Reimbursement
Fair Credit Reporting Act/ID Theft “Red Flags”
• Address discrepancies
• Credit report alerts
• Other “red flags”
• Affiliate marketing
• Annual report
Reg DD: Truth in Savings Accounts (TISA)
• Disclosures and notices
• Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
• The higher-risk parts of the rules (e.g., inconsistent terminology, products/terms changes)
• Advertising compliance
• Common disclosure errors
• Courtesy Overdraft Programs
Learning Objectives After this program, participants should be able to:
• Identify the information that must be disclosed to deposit account customers.
• Recognize compliance solutions that can enhance sales and operations processes.
• Identify and correct deficiencies that might exist in deposit account disclosures; and
• Understand Truth in Savings (Reg DD) rules.
• Understand the latest enforcement trends for TISA/Reg DD, including UDAAP.
• Demonstrate knowledge of the details and bank-wide impact of selected rules.
BSA/AML Compliance and Regulatory Panel – August 28
BSA, AML, and USA Patriot Act
• Program components/pillars
• Technical requirements
• CTR requirements and exemptions
• CIP and the beneficial ownership final rule
• Customer due diligence and enhanced due diligence – the 5th Pillar
• Suspicious activity monitoring
• OFAC
• 314(a) searches and 314(b) registration and advantages
• Core and expanded examination procedures
• BSA hot topics (medical marijuana, hemp, Bitcoin, beneficial ownership)
• Recent exam findings and applying lessons learned from enforcement actions
Learning Objectives After this program, participants should be able to:
• Establish a comprehensive BSA/AML program
• Demonstrate knowledge of the details and bank-wide impact of selected rules
TCA Compliance Facilitators
Brian Crow, CAMS, Managing Partner and Co-President
Michelle Strickland, CRCM, Managing Partner and Co-President
Monique Reyna, CRCM, Compliance Consultant
Continuing Education
ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This series is under review.
The IBA is recognized as a continuing professional education sponsor for public accountants by the Illinois Department of Financial and Professional Regulation. Public accountants licensed in the state of Illinois will earn 35 credits of continuing professional education credit for attending the five-part series (7 credits per program).
Hotel Information
Courtyard – Springfield
3462 Freedom Drive
Springfield, IL 62704
Hotel: 217-793-5300
IBA Rate: 20% off the available rate
Per Person Fee
IBA Member
All five programs: $1,225
Individual program: $265
Nonmember
All five programs: $2,045
Individual program: $445
