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Auditing the Loan Estimate will be our primary subject and the focus of the "regulatory" portion of the presentation. We have not covered TRIO issues directly in 5 years, and at that time, we moved through the regulation at a quick pace, not covering all the little odds and ends that exist, especially in the commentary. The presentation will include real life examples of errors that could cost your bank money. Some will be "manufactured," but the majority of the case studies will originate from actual findings that Young & Associates has found in our audit and review work. 

Reviewing your Loan Policies is a continuation of last quarter's review of deposit policies. It will be presented in a similar manner. We will discuss what should be part of your loan policies so that your staff has a path to follow as they implement the regulations in your bank. Many banks have a policy that states that the bank will "follow the regulation." Regulators are requiring more detail in the policies, and this portion of the presentation will help you assure that your policies will meet regulatory requirements. Due to the time we will spend on the Loan Estimate, and the actual size and complexity lending policies, this will be part one of Reviewing your Loan Policies. We will complete the remaining loan policies in our next quarterly session.