Consumer Lending School

This two-day school is designed to prepare consumer lenders to meet two primary challenges. The first challenge is to originate loans to qualified consumer and residential borrowers and minimize collection problems and loan losses. The second challenge is to be in compliance at all times with ever-changing fair lending regulations.

Event Dates

Tuesday, September 29, 2020 to Wednesday, September 30, 2020


The Consumer Lending School will be held virtually via Zoom Technology.


Students will log in & register between 8:45 and 9:00 a.m. on Tuesday, September 29, with class beginning at 9:00 a.m.


Registration Pricing:

IBA Members

Fees include casebook, study materials, continental breakfast, lunch and refreshment breaks each day.

Program Topics

Day One

  • Define Consumer Lending
  • Review Consumer, Personal and Household Loan Purposes
  • Discuss the concept of gathering “complete” information from Applicants
  • Review the steps in Evaluating the Applicant Credit Information
  • Making the “best” loan decision
  • Review the basics of Consumer Loan Documentation
  • Discuss Consumer Loan Collection Issues
  • Review the following Federal and State Lending Regulations:
  1. Equal Credit Opportunity Act as implemented by Regulation B
  2. Regulation P (Privacy)
  3. Truth-in-Lending Act as implemented by Regulation Z
  4. Homeowner Equity Protection Act
  5. The Fair Credit Reporting Act
  6. USA PATRIOT ACT—Customer Identification Program Requirements

Day Two

  • Review Basic Residential Loan Products
  • Using the Uniform Residential Loan Application
  • Evaluating Residential Loan Application Information
  • Surveys, Title Commitments and Final Title Policies
  • Basic Appraisal and Evaluation Compliance Requirements
  • Federal Lending Regulation to Include:
  1. The Equal Credit Opportunity Act, Regulation B 
  2. The Fair housing Act
  3. Truth-in-Lending/Real Estate Settlement Procedure Act
  4. The Home Mortgage Disclosure Act
  5. The Flood Disaster Protection Act