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Loan Compliance Update presented by Patti D. Joyner, CRCM

Loan Compliance Update presented by Patti D. Joyner, CRCM

We are Back!
Live & In-person

Register now for the full day Seminar 9:00am to 4:00pm
Welcome back pricing of $200

Covered Topics:

Session 1 – 9:00 AM – 12:00 PM, including a 15-minute break

  • Regulatory Compliance Environment under CFPB Director Rohit Chopra
  • Fair Lending Remains a Priority
    • Real Estate Appraisals as Source of Potential Discrimination
    • Appraisal Reconsiderations of Value (ROV) to Address Valuation Issues
    • Presidential PAVE Task Force
  • Equal Credit Opportunity Act (ECOA) and Regulation B
    • Adverse Action Notices – Reasons for Denial and Applicant Education
    • FCRA Credit Score Provisions for Adverse Action Notices
    • Impact of Artificial Intelligence and Machine Learning

Session 2 – 1:00 PM – 4:00 PM, including a 15-minute break

  • Flood Insurance Hot Water Issues
    • Frequent Violations
    • Insurable Structures, Contents Coverage and Force Placement Issues
    • 2022 Frequently Asked Questions (FAQ) Update
  • TILA RESPA Integrated Disclosures (TRID) Update
    • TILA Coverage and Exceptions (e.g., LLCs, Corporations, Foreign Nationals)
    • Frequent Violations
    • Recent CFPB Clarifications and Fact Sheets

Who Should Attend:

Anyone in the institution having virtually any responsibility in the lending, from senior management, loan officers, underwriters, loan Operation or Servicing specialists, to compliance officers.

  • Date: September 08, 2022
    Registration: 8:00 am – 9:00 am
    Program: 9:00 am – 04:00 pm
    Lunch: 12:00 pm – 1:00 pm
  • Location:
    Miami Airport Marriott
    1201 NW LeJeune Road
    Miami, FL 33126
    (305) 649-5000

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).