Training
CSI provides a variety of training programs, each tailored to meet the specific needs of the client. The training sessions can serve as an overall regulatory review or be designed to cover specific lending and/or operations compliance regulations as detailed below.
Lending compliance regulations:
- Truth in Lending Act (Regulation Z)
- Consumer-purpose Installment Loans
- Construction Loans
- Private Mortgage Insurance
- Adjustable Rate Mortgages
- Credit Cards
- Home Equity Lines of Credit
- Other Lines of Credit
- Consumer Protection in Sales of Insurance (Regulation H/Subpart H)
- Limited-scope CRA Compliance
- Equal Credit Opportunity Act (Regulation B)
- FACT Act
- Fair Credit Reporting Act
- Fair Housing Act
- Flood Disaster Protection Act
- Home Mortgage Disclosure Act (HMDA); including HMDA "scrubs" to ensure accuracy of the HMDA-LAR
- Home Owners Protection Act ("HOPA")
- Home Ownership and Equity Protection Act ("HOEPA")
- Housing & Urban Development Act (Home Ownership Counseling Notice)
- Private Mortgage Insurance Act
- Real Estate Settlement Procedures Act
- SAFE Act
- Servicemembers Civil Relief Act
- Unfair or Deceptive Practices Act (Regulation AA)
- Loans to Executive Officers, Directors & Principal Shareholders (Regulation O)
Deposit/Operations regulations:
- Electronic Fund Transfers Act (Regulation E)
- Expedited Funds Availability Act (Regulation CC)
- Fair Credit Reporting Act
- Federal Advertising Requirements (including Website requirements)
- Reserve Requirements of Depository Institutions (Regulation D)
- Truth-in-Savings Act (Regulation DD)
- Unlawful Internet Gambling Enforcement Act (Regulation GG)
CSI also offers "Stages of a Loan", an in depth training class that takes your lending staff from the initial interview process through the actual servicing of the loan. The session covers all applicable regulations and can be designed to target a specific audience (e.g., consumer lenders, commercial lenders, loan production staff) or as a general overview for all lending personnel.