HMDA Part 3: Commercial Loans

Date:

Nov 20, 2025

Register

HMDA reporting can be complicated – especially when it comes to commercial loans.

Do you know the difference between covered and excluded applications? What qualifies as a dwelling – or mixed-use dwelling? What demographics must be reported? This educational session will answer these questions and more, as well as exploring sticky problem areas that can lead to violations. Register today!

Agenda

November 20, 2025
11:00am - 12:00pm EST

This webinar will offer a review of the fundamental requirements specific to commercial loan applications while focusing on the common problem areas that can create reporting violations. Real-life examples for commercial loans will be offered. Additionally, HMDA resources will be provided to improve training, identify potential reporting errors, and streamline the data integrity process.

Topics

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Distinguish between covered and excluded applications
  • Understand which structures meet the standard of being a dwelling for HMDA reporting
  • Know what counts as gross annual income
  • Meet the challenges of reporting demographic information
  • Handle complex issues with mixed-use dwellings, which are often used as collateral for commercial loans
  • Use the CFPB and FFIEC HMDA resources more effectively
  • Define the correct loan purpose
  • Explain complex HMDA scenarios to lending staff, including new employees
Speaker(s)

Susan Costonis
Compliance Training & Consulting for Financial Institutions

Susan Costonis is a compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real-life examples.

Additional Information

WHO SHOULD ATTEND?

This informative session is designed for all employees who need to understand and manage HMDA reporting, including loan operations staff, commercial loan officers, loan assistants, processors, compliance officers, and auditors.

TAKE-AWAY TOOLKIT

  • HMDA flowchart for 2025 activity, including updated resources from the CFPB
  • Tool for taking demographic information
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Fees

Live Webinar - $255

  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions

On-Demand Webinar - $255

  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions

Live + On-Demand - $375

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact

Katie Yates
Education Coordinator
o: 317-387-9380
d: 317-333-7162
kyates@indiana.bank