Lending Compliance Triage

THANK YOU FOR ATTENDING 2025'S

LENDING
COMPLIANCE
TRIAGE

STAY TUNED FOR THE ANNOUNCEMENT OF NEXT YEAR’S CONFERENCE!

2025's conference was approved for 12 CRCM, CERP, 1 CAFP, CFMP credits from the ABA.

Where Compliance Officers take their Lending Compliance Programs to the next level

The 17th Annual BankersOnline Lending Compliance Triage virtual conference was bigger and better than ever before!

For 2025’s conference we assembled an amazing line-up of the country’s top Lending Compliance experts and instructors. Together they’ve created an information packed two-days of compliance training. This was not your typical compliance conference – it is a practical workshop packed with action-oriented sessions that give your team:

Hands-on tools to quickly evaluate and address compliance hotspots
Timely knowledge on emerging shifts in fair lending enforcement, including state-level activity and enforcement lookbacks
Clarity on evolving frameworks around TRID disclosures, AI in vendor diligence, SCRA/MLA intricacies, fraud threats, variable rate challenges, and more
Flexibility and access with 90-day on-demand replay of all sessions and zero travel required

If you weren’t able to join us live, you can still benefit from 2025’s conference!
Twelve (12) information-packed training sessions, from top-tier speakers, lots of CRCM continuing education credit, and a lively panel based Q&A wrap-up each day. This compliance training prepares you and your team with the everything you need to manage and improve your institution’s lending compliance programs.

12 Information Packed Sessions | Nationally Recognized Speakers | 12 CE Credits | ZERO Travel

*Paid registrations include on-demand access to all conference content following the event.

CAN'T MISS INDUSTRY INSIGHTS

TOP REASONS TO ATTEND

Navigate Evolving Regulations with Confidence

Fair Lending in Flux: Learn how enforcement has shifted under new political leadership, why disparate treatment risks remain high, and how states are stepping in even as federal priorities pivot.
1071 & CRA Shifts: Get clarity on the CRA rollback, understand the extended 1071 compliance timeline, and walk away with a prioritized roadmap to prepare your institution
TRID & Variable Rate Challenges: Tackle common TRID pitfalls and sharpen your compliance strategies around ARM disclosures, QM/ATR rules, and today’s variable rate landscape.

Strengthen Risk Management & Examiner Readiness

Loan Modifications & Foreclosures: Gain practical guidance on disclosures, rescission rights, state-specific foreclosure requirements, and related fair lending risks..
Flood Insurance Complexities: Decode the nuances that frequently lead to violations, from force placement rules to insurable value calculations.
Financial Crime Threats: Equip your team with strategies to combat synthetic identities, deepfakes, and AI-enabled fraud while staying compliant..

Harness Innovation & Compliance Synergy

Data Modeling & AI: Build a stronger foundation for predictive models, vendor oversight, and AI adoption while addressing bias, transparency, and exam readiness.
Digital Marketing vs. UDAAP: Balance creativity and compliance in digital ads and social media, avoiding Section 8 and UDAAP pitfalls..
Military Lending & Service Member Protections: Master SCRA and MLA distinctions, ensuring your institution properly protects military borrowers without missteps.

2025's Conference Agenda

2025's conference was approved for 12 CRCM, CERP, 1 CAFP, CFMP credits from the ABA.

DAY ONE:
NOVEMBER 5, 2025

Hot Topics in Lending: Staying Ahead of the Curve
10:00 - 10:50 am ET | Kimberly Boatwright, CRCM, CAMS, FLE

Lending compliance is evolving at record speed. From the GENIUS Act’s data reporting challenges to CRA, Debanking requirements, Section 1071 enforcement, and the expanding focus on AI-driven credit decisions, regulators are raising the bar for what it means to maintain a compliant lending program.

In this session, we’ll unpack the latest developments, exam priorities, and trends shaping the lending landscape. Attendees will gain practical insights into how regulators are interpreting new rules, where institutions are getting tripped up, and what proactive steps can reduce your institution’s risk exposure.

Key Topics Include:

The latest regulatory priorities and enforcement focus areas in lending compliance
GENIUS Act implementation and its intersection with fair lending and data governance
1071 and CRA modernization—real-world compliance challenges and solutions
Navigating AI, bias, and algorithmic decisioning under fair lending expectations
Action steps to strengthen your institution’s compliance readiness

Who Should Attend:
Compliance officers, CRA and fair lending specialists, auditors, lending executives, and risk management professionals seeking a forward-looking view of today’s most pressing compliance issues.

Loan Modification
11:00 - 11:50 am ET | Carl Pry, CRCM, CRP, JD

Making changes to existing loans is a challenging endeavor. What are the critical compliance implications when dealing with these requests? What types of disclosures must be provided, if any? Must new appraisals be obtained (and how do we do that if appraisers can’t do on-site work?) Must rescission rights be provided?

This session will deal with the ins and outs of making changes to loans of all types.

Join us to get answers to questions like:

Do I have to provide an adverse action notice if I deny a modification request?
Are there fair lending risks when modifying or refinancing loans?
Why would we have to provide a rescission notice if we’re just lowering the rate?

Loan Foreclosure
12:00 - 12:50 am ET | Carl Pry, CRCM, CRP, JD

The last few years have unfortunately seen many borrowers default on their mortgage loans, forcing lenders and servicers to consider foreclosing. What are you permitted to do and when? What notices must be provided? The foreclosure process is by its nature a state-specific endeavor, but there are some general requirements as well.

This session will discuss those requirements and provide guidance on the proper steps to follow to ensure you understand all the requirements when considering or initiating a foreclosure action.

If you have questions like,

How do we know what we need to do precisely in my state?
Do we need an attorney to foreclose?
What if the borrower wishes to pay us back after the foreclosure is over?

then this session is for you.

LUNCH BREAK
12:50 - 2:00 pm ET

Enjoy! Our agenda resumes at 2:00 pm.

Data Modeling For Lenders
2:00 - 2:50 pm ET | Maureen Carollo, CRCM, CAMS

The data management environment in banking has been elevated to a heightened perception level in our industry lately, between Machine Learning, A.I., statistical analysis and Model Risk Management. Are you comfortable in creating and utilizing the data that you need to communicate clearly with executive management on the performance of products, regulatory benchmarks, data quality, exam prep and everything in between using models? If so, you can benefit from significantly enhancing decision making processes, improve customer experiences, and drive business growth.

This session will address the myriad of challenges related models, including purchasing, developing, the risk management of this function, regulatory expectations and best practices on developing your program, especially for the lending side of the house. We will cover the following issues:

Defining what is and is not a model
Intro of predictive modeling
How we are expected to conduct due diligence on these tools
How to address and verify their accuracy in output
How to utilize the output appropriately
Types of models used in lending
Identifying relevant data sources
Model development and validation
Implementation and integration
Ethical considerations and compliance such as bias

By the end of this session, you will have a solid foundation in using predictive models for lending, equipped with practical knowledge and tools to apply in your own environment.

Digital Ads, Social Media, and UDAAP - the Trifecta of Tension
3:00 - 3:50 | Rebekah Leonard, CRCM

Lenders are under a lot of competitive pressure – especially mortgage lenders. Not only is the real estate market a tougher sell these days, but the professional crowd competing for loans is vast, wide, and often poorly regulated. Lenders who work for supervised financial institutions are feeling burdened by numerous rules and regulations which are stifling their competitive edge and creative prowess… or so I’ve been told by lenders trying to claw to the top of influencer-driven social media advertising. In addition, machine-learning tools are within easy reach to super-customize target audiences and gain the biggest buck from advertising dollars.

In the middle of this, compliance professionals are left trying to help their institutions be successful while flashing the warning lights of fair lending, RESPA Section 8, and UDAAP.

This session is a real-life look at what lenders are wanting to do, what regulators are warning NOT to do, and how compliance officers can build bridges between the two.

Fair Lending Isn't Gone - It's Just Evolving (Again)
4:00 - 4:50 pm ET | Kimberly Boatwright, CRCM, CAMS, FLE

There’s a common assumption floating around that Fair Lending is quietly slipping into the background under the Trump administration — especially with the rollback of disparate impact guidance and what looks like the quiet retirement of the “Combating Redlining” initiative. But here’s the thing: Fair Lending hasn’t disappeared. It’s just shifted focus — and compliance officers need to be paying attention.

If we learned anything from Trump’s first term, it’s that enforcement doesn’t stop — it pivots. And that’s exactly what’s happening now.

• Disparate Treatment: Still Very Much on the Table
While disparate impact might be on the ropes at the federal level, disparate treatment (i.e., intentional discrimination) is alive and well — and it’s measurable. Publicly available HMDA data continues to be a powerful tool for identifying problematic patterns in lending practices. Special interest groups know this, and they’re using it. Regulators — both federal and state — are too.

In fact, HMDA remains one of the most accessible, transparent datasets out there, which makes it a prime target for data-driven investigations and enforcement efforts.

• The States are Stepping In
And let’s not forget the states. If federal guidance is loosening, state regulators are stepping up to fill the gap. As recently as July 2025, we saw a new push from state authorities aimed squarely at enforcing disparate impact — even as the federal stance becomes more hands-off.

This isn’t new. We’ve seen this patchwork approach before a tightening or loosening at the federal level that gets counterbalanced by aggressive state action. It’s a reminder that compliance isn’t just about what the CFPB or DOJ is doing — it’s about understanding the full regulatory ecosystem.

• Lookbacks Matter
One of the most overlooked risks right now? Lookbacks.
Just because enforcement seems quieter today doesn’t mean it won’t roar back tomorrow — and when it does, regulators tend to look back six or seven years. The Biden administration made that abundantly clear.

So for compliance teams, now is not the time to coast. It’s time to double-check your risk assessments, revisit your pricing and underwriting models, and make sure your Fair Lending program isn’t just collecting dust in a policy binder.

Q & A Session
5:00 - 6:00 pm ET | All Speakers with John Burnett

We close out the day with an exciting question and answer session, where you can interact with each of the day’s presenters. Moderated by John Burnett.

DAY TWO :
NOVEMBER 6, 2025

Leveraging AI and Vendor Due Diligence-What You Need to Know
10:00 - 10:50 am ET | Maureen Carollo, CRCM, CAMS

In our rapidly evolving landscape of financial services, the integration of Artificial Intelligence (AI) presents both opportunities and challenges for banks. This session is designed for the compliance professionals who must comply with regulatory requirements with their prudential regulators, focusing on the critical aspects of AI implementation and vendor due diligence. Attendees will gain insights on the regulatory expectations, risk management and strategies, and best practices for ensuring compliance and mitigating risks associated with AI and third-party vendors. We will cover the following issues:

Overview of AI technologies and their applications in the banking world
Explanation of machine learning, natural language processing and robotic process automation
Examples of AI applications in banking
Benefits and potential risks of AI adoption
Key regulatory guidance from the regulators
Understanding the regulatory expectations and compliance requirements
Identifying and assessing risks and creating strategies to mitigate the risks in AI programs
Steps for effective vendor assessments and ongoing monitoring
Understanding the importance of transparency, accountability, and explainability in AI uses
Techniques for identifying potential risks in AI such as bias detection as well as data integrity checks
Future trends in AI and the related compliance implications

By the end of this session, you will have a much greater comfort level in your knowledge and potential implementation of AI in your vendor due diligence programs and you will be ready to apply a deeper understanding of how AI can help in your shops.

Atten-HUT: SCRA and MLA Bootcamp
11:00 - 11:50 am ET | Rebekah Leonard, CRCM

What do the SCRA and MLA have in common? Service members, of course, but even that deserves a footnote of clarification. Did you know you will NEVER have a single loan that is subject to both laws? The coverage of each law is completely separate and distinct from the other, even though both provide important and necessary service member protections. While both laws protect those that serve (or have served) our country, they are quite different in scope, coverage and intent. However, they are very frequently confused, leading to compliance errors, wrongful treatment, and violations.

The provisions of both the SCRA and MLA can get a bit tricky to implement. Not only must you have a clear understanding of who is entitled to what (and when), but there are sleeper provisions that may be flanking your best defenses!

Military members are informed of their rights as part of their basic training as well as later throughout their military career. Make sure you equally understand their rights and can effectively execute your regulatory orders!

Financial Crime + Lending Compliance = Risk Mitigation
12:00 - 12:50 am ET | Tim Rollins

With the rise of sophisticated financial crime schemes, understanding and mitigating fraud risk is more critical than ever! This session will provide actionable insights into assessing fraud risk, identifying attack vectors, and implementing effective controls to protect lending operations.
Participants will learn how to safeguard against a variety of threats, including synthetic identities, elder abuse, bust-out schemes, deepfakes, AI-driven attacks, and account takeovers.

Session objectives include:
• Learning to evaluate the likelihood and potential impact of various types of fraud commonly seen in lending,
• Understanding current and evolving attack vectors, including AI-enabled schemes, synthetic fraud, and digital account takeovers, and
• Gaining practical strategies and best practices for preventing, detecting, and mitigating fraud while maintaining regulatory compliance.

LUNCH BREAK
12:50 - 2:00 pm ET

Enjoy! Our agenda resumes at 2:00 pm.

Flood Insurance
2:00 - 2:50 pm ET | Carl Pry, CRCM, CRP, JD

Flood insurance rules seem simple on their face: see if the structure is in a flood zone, and if it is, require insurance. So why is it so complicated? The answer is because of the many nuances in the rules, and the many ways lenders can get in trouble.

In this session we’ll address many of those especially risky areas and common violations, and equip you with the knowledge to avoid getting into the types of trouble so many lenders have over the years.

We’ll go over…

The best way to determine insurable value
Which kinds of structures are considered detached and which structures don’t require insurance
When you can force place insurance

and more!

TRID Issues: Avoiding the Most Common Compliance Pitfalls
3:00 - 3:50 pm ET | Kimberly Boatwright, CRCM, CAMS, FLE

Think you’ve mastered TRID? Think again.
Even the most seasoned lenders and compliance teams still stumble over common disclosure pitfalls, timing requirements, and tolerance cures. In this session, we’ll break down the most frequent TRID issues that continue to trip up institutions — and show you practical strategies to avoid costly mistakes. Join us for real-world examples, regulator hot buttons, and actionable guidance you can take back to your team.

Since its implementation, TRID has remained one of the most complex and heavily scrutinized areas of mortgage lending compliance. Despite years of experience, institutions continue to encounter challenges with timing requirements, disclosure accuracy, tolerance thresholds, and cure obligations. These errors not only create operational headaches but can also lead to regulatory criticism, financial liability, and reputational harm.

This training dives into the real-world TRID issues that banks and lenders face most often. We’ll walk through disclosure timing rules, revisit tolerance categories and their common misunderstandings, and discuss frequent pain points such as changed circumstances, fee misplacements, and closing disclosure corrections. Attendees will also gain insight into examiner expectations and learn practical strategies for identifying and resolving TRID problems before they become violations.

Whether you’re new to TRID or have been working with it since 2015, this course will sharpen your knowledge and help protect your institution from costly errors.

Variable Rate Compliance Issues
4:00 - 4:50 | Rebekah Leonard, CRCM

We are deep into 2025, and interest rates are still volatile and houses are still expensive! The low fixed rates of yesteryear lulled many bankers into variable rate complacency. We didn’t have to think too much about them, because we were too busy making loans in the hot market. Now that rates have climbed, variable rates have become quite relevant again.

The compliance issues surrounding variable rates are voluminous (hello Ability to Repay / QM underwriting and ARM disclosures). Moreover, existing loans are coming due and there is pressure to renew / refinance / modify them at competitive rates.

Join this session to get a refresher on the multiple compliance items to watch far (like discount points, buydowns, assumptions, and the variable rate “Refinance” trigger), as well as get a handle on the creative methods the industry is employing to keep loan volume going (like speculating on the “Cost of Waiting!”).

Q & A Session
5:00 - 6:00 pm ET | All Speakers with John Burnett

We close out the day with an exciting question and answer session, where you’re able to interact directly with each of our speakers, moderated by John Burnett.

2025 SPEAKING FACULTY

THANK YOU FOR JOINING US!
CHECK OUT ON-DEMAND REGISTRATION RATES BELOW

REGISTRATION RATES

$1,395

Early Bird Discount: 2 for 1
Two Attendees for One Price

Great Value

BUNDLE AND SAVE!

$2,370

Attend Both Conferences and Enjoy Two Registrations for the Price of One

Popular

$1,945

Full conference Access
For You & Four Colleagues.
(large team Pricing Available)

Team Pricing

THANK YOU FOR ATTENDING 2025'S