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Welcome
to PA Banker
Education
Blah,
Blah, Blah..... the regulatory agencies
have strengthened their determination that
discrimination, intentional or not, will
not be tolerated. The procedures allow
banks to self-assess their application of
credit policies to all applicants and to
ensure that credit policies are applied in
the same way to all applicants, regardless
of race, color, sex, income, religion,
national origin, or marital
status.
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News
and Events
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The
New Fair Lending Examination
Procedures
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Training
Learning
Opportunities
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PBA
Training Room
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link
3897 North Front Street
Harrisburg, PA
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Check
This Out!
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Richard
Bishop, CRCM, Young &
Associates
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Overview:
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The
New Fair Lending Examination
Procedures
The
Federal Financial Institutions
Examination Council (FFIEC)
released its new uniform fair
lending examination procedures in
January of 1999. These procedures
are used by all FFIEC member
agencies - OCC, FDIC, the Fed,
and OTS - in their examinations
for compliance with the board,
nondiscriminatory requirements of
the Equal Credit Opportunity Act
and the Fair Housing Act. The
focus of the procedures is to
determine if there are
disparities in the application of
lending policies between
different groups. Because of
these examination procedures, the
regulatory agencies have
strengthened their determination
that discrimination, intentional
or not, will not be tolerated.
The procedures allow banks to
self-assess their application of
credit policies to all applicants
and to ensure that credit
policies are applied in the same
way to all applicants, regardless
of race, color, sex, income,
religion, national origin, or
marital status.
Seminar
Topics
- Agenda
- Background
- Examination
scope Guidelines
- Identifying
Discrimination Risk Factors in
Residential and Consumer
Lending Practices
- Reviewing
Residential Lending
Products
- Organizing
and Focusing Risk
Analysis
- Compliance
Management Review
- The
Examination Procedures
- Documenting
overt
discrimination
- Transactional
underwriting analysis
&emdash; residential,
consumer, and commercial
loans
- Analyzing
potential disparities in
terms and
conditions
- Analysis
of potential discriminatory
steering or
redlining
- Analysis
of potential pre-screening
or marketing
- Credit
Scoring
- Disparate
impact issues
- Concluding
the Examination
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Agenda:
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8:15
A.M.
REGISTRATION
8:30 A.M. PROGRAM
BEGINS
10:15 A.M.
REFRESHMENT BREAK
10:30 A.M. PROGRAM
RESUMES
12:00 P.M.
LUNCHEON
12:45 P.M. PROGRAM
RESUMES
3:15 P.M.
ADJOURNMENT
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To
Register:
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The
registration fee of $190 includes
all seminar sessions, materials
and breaks. The non-member bank
fee is $285. Please mail the
enclosed registration form and
payment to:
Pennsylvania
Bankers Association
P.O. Box 152
Harrisburg, PA 17108
Attn: Jackie Ametrano
DOWNLOAD
REGISTRATION FORM
NOW
ß
link
(Adobe
Acrobat
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link
document)
Casual
dress is welcome and
suggested.
If
you have any questions about the
seminar, please contact Jackie at
(717) 255-6939 or FAX (717)
233-1477.
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Hotel
Info:
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The
Days Inn Harrisburg North, 3919
North Front Street,
(717)233-3100, is holding a block
of rooms. Please call the hotel
directly and reserve your room.
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Contact:
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Jackie
Ametrano
(717) 255-6939
jametrano@pabanker.com
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mailto
link
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