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After a much-anticipated wait, on March 30, 2023, the Consumer Financial Protection Bureau (CFPB) issued its final rule on Section 1071 of the Dodd-Frank Wall Street Reform and Protection Act (Dodd-Frank Act) amending the Equal Credit Opportunity Act (ECOA) by addressing small business lending data collection and reporting requirements.

This final rule covered in an 888-page document, will require covered financial institutions and voluntary reporters to maintain, report, and publicly disclose information about small business lending; including new data points for the capture of small businesses that are owned by women, minorities and LGBTQI. The data is intended to help show whether lenders are serving the credit needs of small businesses in their communities, by increasing transparency in the lending marketplace. Although the rule is under the Fair Lending umbrella, it will impact the Community Reinvestment Act (CRA); in particular, with the new definition of a small business loan.

There is no doubt that this new rule will present significant operational, interpretive and resource challenges for banks. Therefore, let the South Florida Compliance Association (SFCA) be your educational platform to assist you in understanding the requirements of this new rule. With tiered implementation compliance reporting mandates, you can’t be left behind…. So, join us on June 6, 2023, as we spend a day diving through Section 1071 of the Dodd Frank Act with well-known regulatory dynamic speaker, Ms. Patti Joyner, President of Financial Solutions.

Some of the topics covered will include:

  • Institutional and Transactional Coverage
  • Effective Date/ Compliance Date Tiers/ Transactional Provisions
  • Key Definitions
  • Covered Credit Transactions
  • Reportable Data Fields
  • Requirements to Collect and Report Data
  • Provisions involving Privacy and Availability of Data
  • Record keeping
  • Safe Harbor

and more…

  • Date: June 6th, 2023
  • Time: 8:30am-4:00pm
  • Ticket price: $250 Member – $350 Non Member
  • Location:
    Miami Airport Marriott
    1201 NW LeJeune Road
    Miami, FL 33126


Patti D. Joyner, CRCM, Founder & President, Financial Solutions

Patti Joyner founded Financial Solutions in 1990 to provide community financial institutions with effective solutions for the ever-increasing need for cost-effective regulatory risk management. The company provides in-house training, compliance policy and procedure development and litigation support.

Patti’s ability to transform complex requirements into simple, practical solutions is bound by a deep conviction that “excellence is not optional,” easily translating into effective answers for community bankers. Patti firmly believes that being a community banker is all about the size of your heart, not your bank’s assets! She has a thorough understanding of the current regulatory environment and is able to integrate and streamline competing priorities without compromising compliance, results, or your sanity. Patti loves people and banking – put the two together and its inspiring!

Ms. Joyner is a frequent presenter for the American Bankers Association where she served as a faculty member of its prestigious Stonier Graduate School of Banking and National, Intermediate and Graduate Compliance Schools. Additionally, Patti has delivered many ABA briefing/webcast series on a wide variety of compliance subjects. She works extensively with state and regional banking associations and enjoys being a frequent speaker for various regulatory and law enforcement agencies. It was Patti’s privilege to be named ABA’s annual Distinguished Service Award winner for 2018 in recognition of her contribution to the banking industry across our country.

Patti is a regularly published compliance resource for many other regional and national publications. Her high energy style and slightly wicked sense of humor combine to provide entertaining, effective, successful, and compliant solutions that will leave a smile in your heart along with answers to your questions.

Ms. Joyner has a B.S. degree in Accounting from Louisiana Tech University where she graduated with honors. Patti earned her Certified Public Accountant (CPA) certification in 1984. She has 40+ years of banking experience and is a Certified Regulatory Compliance Manager (CRCM).

Suggested Attendance
A must for compliance officers, fair lending officers, CRA officers, legal staff, small business loan originators, and internal auditors.

This seminar has been approved by the ABA Professional Certifications for 7.25 CRCM, CERP CE credit hours.  The training will appear as: South Florida Compliance Association| Are You Ready to Tackle Section 1071 – the New Small Business Lending Data Collection Rule.