The Regulation Where Everybody Knows Your Name
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- Blake Curtis
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1 The Regulatin Where Everybdy Knws Yur Name The webinar will begin at the tp f the hur. Yu may dwnlad the presentatin at:
2 Tday s New Cmpliance Challenges & Slutins The Regulatin Where Everybdy Knws Yur Name Thank yu fr attending. The webinar has started.
3 Husekeeping Asking Questins Dwnlading Materials QuestSft.cm/EverybdyKnwsYurName Technical Difficulties GTMeeting Supprt Line Disclaimer!
4 Legal Disclaimer This presentatin is designed t prvide general educatinal infrmatin in regard t the subject matter cvered as f the date f presentatin and is nt intended t be legal r regulatry advice fr a specific financial institutin.
5 Tday s Panelists Lretta Kirkwd Managing Directr CrssCheck Cmpliance Lenard Ryan President QuestSft Crpratin Mderatr Sctt Mrtensn Marketing Directr QuestSft Crpratin
6 The Regulatin Where Everybdy Knws Yur Name Thursday, September 7, 2017 Lenard Ryan President
7 Tday s Webinar - Part 3 in QuestSft s Five Tpic Webinar Series
8 Tday s Cnversatin - Fair Lending Tday - Fair Lending With The CFPB HMDA - Mre Data Pints - Autmated Regulatry Analysis - States and CFPB T Gang Up - BUT - Is the New CFPB Data Yur Friend r Fe? - Everyne is wrried abut the bad list. - What if public data prves yu are in the tp 1,000 lenders rather than the bttm 1,000 lenders? - Will the data actually allw yu t defend yurself mre easily?
9 What QuestSft Has Already Dne t Prepare Our Custmers 2018 Data Cllectin has been n the street since January 1, 2017
10 What QuestSft Has Already Dne t Prepare Our Custmers All New CFPB Errr Cdes Delivered t Custmers by September 2017 (Over 250)
11 What QuestSft Has Already Dne t Prepare Our Custmers Additinal Fair Lending Fields fr Cmprehensive Analysis
12 The Regulatin Where Everybdy Knws Yur Name Thursday, September 7, 2017 Lretta Kirkwd Managing Directr
13 Sessin Objectives New HMDA Increased Risk Managing Risk Examinatin Prcess
14 Overview Questins What data will be made public? Will there be a grace perid fr accuracy? Will data be reprted by multiple entities? What data will be requested during an exam? Hw will exam samples be selected? Hw will data be used fr fair lending analysis?
15 Overview Big Data Changes: - Data - Lenders - Prducts - Transactins Descriptin Data Pints Data Fields Current LAR Unchanged Mdified Deleted Added New LAR
16 Overview New Data Identifiers Legal Entity Identifier (LEI), Mrtgage Lan Originatr NMLS Identifier Applicant Disaggregated Race and Ethnicity, Age Credit Credit Scre, DTI, CLTV Prperty Prperty Address, Prperty Value, MH Secured Prperty Type, MH Land Prperty Interest, Ttal Units, MF Affrdable Units
17 Overview New Data Lan Channel, Open-End Line f Credit, Reverse Mrtgage, Business r Cmmercial Purpse Pricing Ttal Lan Csts r Ttal Pints and Fees, Originatin Charges, Discunt Pints, Lender Credits, Interest Rate, Prepayment Penalty Term, Lan Term, Intrductry Rate Perid, Nn-Amrtizing Features
18 Increased Risk Regulatrs Federal State Lcal Activities Outlier Analysis Examinatin Enfrcement
19 Increased Risk Fcus Levels f Assistance Underwriting Pricing Steering Redlining
20 Increased Risk Apprach Institutin Peers Market Gegraphy Aggregate
21 Increased Risk Methdlgy Applicant Demgraphic Infrmatin (ADI) Race / Ethnicity Aggregated vs. Disaggregated Gender Age Analysis Regressin Matched Pairs
22 Increased Risk Reputatin Increased Cnsumer Cmplaints Targeted Cmmunity Grup Analysis Media Studies Renewed Class Actin Activity
23 Increased Risk Redlining Fcus Majrity Minrity Tracts Majrity Black Tracts Majrity Hispanic Tracts Gegraphic Delineatin Offices / Lan Officers Market / Service Area Predminant Distributin f Lans Credit Needs Demgraphics Sciecnmic Cnditins Husing Needs / Challenges
24 Managing Risk 3 Lines f Defense Frnt Line / Operatins Cmpliance Management Internal Audit FL Prgram Bard / Management Oversight Rles & Respnsibilities Risk Assessment Cntrls Cmmunicatin Crrective Actin
25 Managing Risk Cntrls Preventive Plicies / Prcedures Operatinal / System Cntrls Training / Educatin Cmmunicatin Detective Perfrmance Analysis Mnitring & Testing Cmplaint Management Internal Audit
26 Examinatin Data Integrity Errrs Omissins Regulatry Interpretatin Applicatin vs. Preapprval vs. Prequalificatin Final Dispsitin / Actin
27 Cntact Infrmatin Lretta Kirkwd Managing Directr Office Cell
28 The Regulatin Where Everybdy Knws Yur Name Thursday, September 7, 2017 Lenard Ryan President
29 Multiple Year Tracking and Organizatin
30 Prduct Radmap / Evlving Challenges HMDA, Fair Lending, CRA and Other CFPB Rules Errr Detectin and Submissin Prcess 2018 Additinal Analytical Reprts fr Addressing the Increase f HMDA Data Fields frm 39 t 110. REMA Reasnably Expected Market Area Mre Instant cmpliance prducts fr digital lending. Mrtgage Lans 30 secnds t a fully cmpliant lan file with natinwide fees fr LE, Licensing, Exclusinary lists, CRA analysis fr additinal prfit, etc. The Regulatin Where Everybdy Knws Yur Name 2017 QuestSft Crpratin
31 Cmpliance EAGLE Amazing Services All in 30 Secnds
32 Instant HMDA, Instant Gecder, Instant Everything! Instant HMDA - Integrated int 15 lan riginatin systems. - Crrect errant data befre the lan funds fr highly accurate data. - New CFPB HMDA Validity Cdes fr Live Testing Cming Sn
33 Resurces That QuestSft Has Gathered T Assist HMDA & Fair Lending Cnsulting CFPB HMDA Training & Preparatin Advanced Fair Lending Prducts LendingPatterns Fair Lending Magic Trademarks f CLC Cmpliance Technlgies
34 What Our Custmers and the Industry Think Abut Us Just in 2016/2017 Befre QuestSft Crpratin
35 QuestSft Custmers Match the Industry 2017 QuestSft Crpratin
36 Next up in ur Webinar Series QuestSft Crpratin
37 Questins? Yu can enter yur questin in the GTWebinar applicatin bx in the Questins sectin. If we can t get t yur questin during this sessin, we will create a Q & A dcument with all the questins and answers fr yur review. Fr infrmatin n prducts referenced during this presentatin, cntact QuestSft at ptin 1 r visit
38 Thanks fr jining us tday! Nw it s time t make Fair Lending relaxing Fr mre infrmatin n slutins, call (800) ptin 1 r visit us at Yu can dwnlad this presentatin at:
Today s New Compliance Challenges & Solutions The Regulation Where Everybody Knows Your Name
Webinar: Everybdy Knws Yur Name 9/7/2017 The Regulatin Where Everybdy Knws Yur Name The webinar will begin at the tp f the hur. Yu may dwnlad the presentatin at: www.questsft.cm/everybdyknwsyurname Tday
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