2024 HDMA Workshop

HMDA Workshop 
“What are you missing? How can you be better? “


The Home Mortgage Disclosure Act, Regulation C,  is one of the most difficult regulations to understand with so many gray areas. Many banks do not understand the significance of inaccurate reporting and they suffer civil money penalties. This HMDA Workshop will help you understand common errors and how to avoid costly mistakes. We will cover a broad range of topics to help you gain the knowledge to pass the HMDA part of your compliance examination.  

INSTRUCTOR: 

Kristin Harville
Performance Solutions, Inc. 


Attendees will receive a Training Program Manual, a Resource Manual (packed with “real world” examples, forms, templates, handouts). Attendees will also participate in case studies, review "real world” situations, and develop "take-aways” that can be implemented back at their banks.

Agenda Includes:
• Who and what HMDA applies  
• Categories of reporting, including information on the property, loan type, and loan features
• Coverage rules Questions …who collects and submits information, and when
• What types of loans are reportable • What data is reported
• Tips for data collection and validation
• How to handle HELOCs
• Requirements for reverse mortgages
• Requirements for commercial loans secured by a dwelling
• Rules for temporary financing, including clarification and examples  
• Rules for refinancing, when it applies and when it does not
• Pre-approvals vs. pre-qualifications
• Reporting requirements
• Mixed use loans
• Fair Lending connections
• Best Practices and guidance 

ABOUT THE INSTRUCTOR:
Kristin Harville is a Senior Consultant with PSI. As a former Compliance Director and Bank Examiner, she is a highly respected Certified Regulatory Compliance Manager (CRCM) and Certified AML and Fraud Professional (CAFP), with a Juris Master’s Degree in Law (Major in Financial Regulation). With over 20 years of regulatory experience in BSA/AML/CFT, Deposit and Lending Regulatory Compliance, Internal Audit, Compliance Risk Assessment, Compliance Training & Development, and Enterprise Risk Management. Her goal is to consistently provide practical "real world solutions" for today's compliance community. Kristin is a dedicated, results-oriented facilitator and consultant.