Agenda

First 4 Mondays in June:
June 1, 8, 15 and 22

1:45 p.m.          Registration
2:00 p.m.          Program Begins
4:00 p.m.          Program Adjourns

Topics

What You’ll Learn:

1. Regulation B (ECOA) Fundamentals
We’ll cover what Regulation B requires and how it applies to your daily work. This includes:

• Prohibited bases of discrimination
• What counts as an application
• Required notices and timing (including adverse action notices)
• Handling applicant information correctly
• Common compliance pitfalls and how to avoid them

Your staff will walk away knowing exactly what you can and cannot do when working with
applicants, and how to document your actions properly.

2. TRID Basics and Workflow

• TRID can feel complex, but we break it down into a clear, step-by-step process:
• Loan Estimate (LE): when it must be issued and what it must include
• Closing Disclosure (CD): timing, accuracy, and delivery requirements
• Key timing rules, including the 3-day waiting periods
• Fee tolerances and how to manage changes
• Re-disclosure triggers and when updates are required

We’ll also connect TRID rules to real workflow scenarios so you can see how everything fits
together from application to closing.

3. Real-World Application
This training focuses on how the rules actually show up in your day-to-day tasks. We’ll go
through examples such as:

• Handling incomplete or withdrawn applications
• Managing last-minute changes before closing
• Communicating with borrowers without creating compliance risk
• Coordinating between loan officers, processors, and closing teams

4. Common Mistakes and How to Avoid Them
We’ll highlight frequent audit findings and operational errors, including:

• Missed disclosure deadlines
• Incorrect fee tolerance handling
• Incomplete or inaccurate adverse action notices
• Poor documentation practices

Your staff will learn simple habits that help prevent these issues before they happen.

Speaker(s)

PRESENTER

Bill Elliott has more than 45 years of banking experience. As a senior consultant and Director of Compliance Education at Young & Associates, Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials. During his career, Bill spent 15 years as a compliance officer and CRA officer in a large community bank, and also worked for a large regional bank. He has been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections and commercial loan workout.

Fees

Registration fees include the program and materials.

$695 IBA Member per Bank
$ 895 Non-Member per bank

location

This course is a Virtual event. We look forward to “seeing” you! You will receive your manual 2-3 days in advance should you want to print this to have during training. At this time, you will also receive log in instructions. 

Association Contact

If you have questions, contact Molly Gibbs at 317-387-9380 or via e-mail at mgibbs@indiana.bank