• Follow
    • LinkedIn
  • Already Registered?
Skip Navigation
2019 CRA and Fair Lending Colloquium
  • 2019 CRA and Fair Lending Colloquium

    NOVEMBER 10-13, 2019
    JW Marriott Orlando, Grande Lakes

         
    • Summary
    • Agenda
    • Professional Credits
    • Community Impact & Excellence in Analytics Awards
    • Contact Us
    • Invitation
    • Speakers
    • Save 200
    • 7 Ways Marketing Page
  • Facebook
  • Twitter
    Tweet
  • LinkedIn

Why Attend Agenda Speakers Pricing FAQ Location Sponsors Professional Credits Awards
Why Attend Agenda Speakers Pricing FAQ Location Sponsors Professional Credits Awards Register Now
 
Save Your Seat. Register Now!

Agenda

 

The CRA and Fair Lending Colloquium is known for delivering quality content from the nation's top compliance experts as they discuss best practices and analyze regulatory trends affecting the Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA) and fair lending rules. Continue to visit this page as we update the specifics of the program and speakers.

To view descriptions of each session, please click on the session title. To view all descriptions, click on “Show Description” below.

 

DOWNLOAD 2019 AGENDA

  [+] Show Description
  • Sunday, November 10, 2019
  • Monday, November 11, 2019
  • Tuesday, November 12, 2019
  • Wednesday, November 13, 2019
  • Closed  Closed
  • Optional  Optional
  • Fee  Fee
  • Sunday, November 10, 2019
  •  
    8:00 AM  -  10:00 AM
    HMDA Basics (Cost $225)

    Registration required; limited to 40 attendees

    This workshop provides a complete walk-through of the HMDA regulations and an overview of the updated HMDA rule. The session will also introduce you to the requirements and provide strategies for maintaining data integrity. It’s a perfect way for new compliance professionals to start off the Colloquium. Additional registration is required to attend.

    Speakers:
    • Tina Cline, 
    • Eliott Ponte, 
    • Angela Myers 
    Fee  Optional  Closed 
    10:30 AM  -  1:30 PM
    CRA Basics (Cost $265 including lunch)

    Registration required; limited to 40 attendees

    This workshop provides a complete walk-through of current CRA regulations as well as any updates on CRA Modernization. Find out how they impact banks both large and small. The session will also introduce you to how the regulators will examine your institution and review lending, investment, and service activity (as applicable) to assign a CRA rating. It’s a perfect way for new CRA professionals to start off the Colloquium. Additional registration is required to attend.

    Speakers:
    • Bobbie Selgado, 
    • Ellen Murphy, 
    • Ann-Marie Lefebvre 
    Fee  Optional  Closed 
    10:30 AM  -  1:30 PM
    Fair Lending Wiz® User Forum (Cost $265 including lunch)

    Limited to Fair Lending Wiz Users; registration required; limited to 40 attendees

    With the changes in fair lending oversight practices, Fair Lending Wiz users are looking for more sophisticated ways to use this software. The Fair Lending Wiz Forum is a formal session that will provide users with an opportunity to interact directly with the product managers to ask questions and make suggestions and hear about software features that can have a direct impact on your work. Attend this session and collaborate with other Fair Lending Wiz users to share ideas and learn about best practices. Additional registration is required to attend.

    Speakers:
    • Lori Lennemann, 
    • Miral Patel 
    Fee  Optional  Closed 
    2:00 PM  -  5:00 PM
    CRA Wiz® User Forum (Cost $225)

    Limited to CRA Wiz Users; registration required; limited to 40 attendees

    With changes in lending practices and an improving economy, CRA Wiz users are looking for more sophisticated ways to use this software. The CRA Wiz Forum is a formal session that will provide users with an opportunity to interact directly with the product managers to ask questions and make suggestions and hear about software features that can have a direct impact on your work. Attend this session and collaborate with other CRA Wiz users to share ideas and learn about best practices.

    Speakers:
    • Ann-Marie Lefebvre, 
    • Mindy Marchetti, 
    • Elias E. Rizkallah, 
    • Matthew Joy, 
    • Corey Laporte 
    Fee  Optional  Closed 
    2:00 PM  -  5:00 PM
    Fair Lending Basics (Cost $225)

    Registration required; limited to 40 attendees

    This course is ideal for new fair lending officers and those who need a refresher on the basics of the regulation and the implications for your institution. This workshop provides a complete review of interagency fair lending examination procedures, including a review of past and current fair lending violations and an examination of current regulatory trends. You will also learn about key trends in fair lending analytics, especially with consideration of the new HMDA 2018 expanded data. Join us to learn about the risk factors that may apply to your institution, how regulators assess the significance of these risks, and how to conduct a streamlined examination. Additional registration is required to attend.

    Speakers:

    • Margraret "Maggie" Weir Westby, Attorney&Adjunct Professor, Boston University School of Law
    • Sara Cook, Senior Regulatory Consultant, Wolters Kluwer
    • Britt Faircloth, Senior Regulatory Consultant, Wolters Kluwer
    Speakers:
    • Margaret “Maggie” Weir Westby, 
    • Britt Faircloth, 
    • Sara Cook 
    Fee  Optional  Closed 
    2:00 PM  -  5:00 PM
    Government Wiz User Forum (Cost $225)

    Limited to Government Wiz Users; registration required; limited to 40 attendees

    The CRA Wiz and Fair Lending Wiz Forum is an interactive session that will provide government users with an opportunity to interact directly with experts and other users of the product. This session will allow users to ask questions, make suggestions and hear about software features that can have a direct impact on your work. Highlights will include product updates and product features that pertain to the examination procedures. Attend this session and collaborate with other CRA Wiz and Fair Lending Wiz users to share ideas and learn about best practices.

    Speaker:
    • Sara Hill 
    Fee  Optional  Closed 
    6:00 PM  -  8:00 PM
    Conference Opening Welcome Reception
  • Monday, November 11, 2019
  •  

    Meal

    7:00 AM  -  8:15 AM
    Breakfast
     

    General Session

    8:30 AM  -  9:00 AM
    Welcome
    9:00 AM  -  9:45 AM
    Opening Keynote: “The Color of Money": Looking Back and Forward

    A behind-the-scenes look at the Pulitzer Prize-winning investigation "The Color of Money," which led to reforms in fair lending, as well as recent research in fair housing.

    Speakers:

    • Bill Dedman, Journalist and author
    Speakers:
    • Bill Dedman 
     

    Break

    9:45 AM  -  10:05 AM
    Morning Break with Exhibitors
     
    10:05 AM  -  10:35 AM
    Community Impact Award Ceremony
    Please join your peers in recognizing this year's Community Impact Award recipient. This award recognizes a CRA or community development program and the dedicated compliance professional who has demonstrated innovative community lending and has been instrumental in improving low- to moderate-income communities. Sponsored by Banzai. Presented by Taylor Woodruff, Senior VP of Sponsor Acquisition, Banzai
     

    General Session

    10:35 AM  -  12:00 PM
    A Collaboration of Different Voices on Developing the Future

    Lessons from the past can inform the future. We have invited a group of unlikely collaborators to share their current initiatives and research related community development, homeownership and servicing.  This diverse group shares a passion for positive change – and some powerful information that we can all learn from.

    Moderator:

    • Lisa Rice, President and CEO, National Fair Housing Alliance

    Speakers:

    • Alanna McCargo, Vice President, Housing Finance Policy, Urban Institute
    • Ashley Harrington, Senior Policy Counsel, Center for Responsible Lending
    • Jason Richardson, Director of Research, National Community Reinvestment Coalition
    • Chrissi Johnson, VP, Public Policy & External Affairs, Quicken Loans
    Moderator:
    • Lisa Rice 
    Speakers:
    • Chrissi Johnson, 
    • Jason Richardson, 
    • Alanna McCargo, 
    • Ashley Harrington 
     

    Meal

    12:00 PM  -  1:00 PM
    Lunch
     

    Breakout Session

    1:00 PM  -  2:00 PM
    Can CRA Save Rural America? Filling the Gaps in the Definition of Assessment Area
    Today, 21 million Americans live in 473 counties dealing with persistent poverty. Rural distressed communities that CRA activities fail to reach are sometimes referred to as “CRA deserts.” These areas do not get enough CRA investment because fewer banks operate branches there, and since the current concept for an ""assessment area"" is largely driven by geographies in which a bank has physical locations. Let’s start with a healthy discussion about how to reevaluate the concept of assessment area and then identify ways to increase investments going forward. The panel will focus on how banks with little-to-no physical footprint or few branches in rural communities can obtain CRA favorable consideration for investments in areas of persistent poverty.

    Moderator:
    • Darren Welch, Counsel, Skadden Arps

    Speakers:

    • Donna Gambrell, President and CEO, Appalachian Community Capital
    • Buzz Roberts, President and CEO, National Association of Affordable Housing Lenders
    • Jan Bergeson, CRA officer, Ally Bank
    Moderator:
    • Darren Welch 
    Speakers:
    • Donna Gambrell, 
    • Buzz Roberts, 
    • Jan Bergeson 
    1:00 PM  -  2:00 PM
    HMDA Data Integrity: Find the Keys to Getting it Right
    Many details about borrowers, underwriting, pricing and loan features are as part of the HMDA expansion are now available to the public – and with it the potential for increased scrutiny. The increase in the number of fields magnified the regulatory risk inherent in HMDA loan application register submissions. This is especially true for HELOC, commercial data and any other new/modified fields that have not been subject to mandatory HMDA reporting and rigorous data quality testing in the past. The increased data sets present new information and insights into their lending practices for financial institutions, but also a whole new set of implications for—and scrutiny around—managing compliance programs. As a result, the effort required to collect and report accurate data has increased. This session will review the essential factors for a robust HMDA CMS and highlight some best practices and lessons learned when working with lines of business to “close the loop” on data integrity. Speakers will review adjustments they made to data collection and testing procedures and share insights into how this data is being used and by whom, and will dig into a few specifics, including:•Expanded state level fair lending investigations and enforcement•Potential threats from interpretations of Public Data•Challenges collecting and analyzing expanded data—including HELOCS •Data integrity and file review challenges•Involving all lines of business in the editing, review and sign-off of data components•Increased scrutiny from regulators and the public•How the 2018 data and future data will be reviewed during exams

    Moderator:
    • Loretta Salzano, President, Franzen and Salzano, P.C.

    Speakers:

    • Amanda Ceniceros, Senior Compliance Officer, Banner Bank
    • Tim Lambert, Senior Counsel, CFPB
    • Laura Foote,HMDA Program Risk Manager, US Bank
    Moderator:
    • Loretta Salzano 
    Speakers:
    • Amanda Ceniceros, 
    • Laura Foote, 
    • Tim Lambert 
    1:00 PM  -  2:00 PM
    Mythbusters: Uncover the Truth Behind Popular Compliance Myths and Legends

    Mixing tested industry expertise and plain old-fashioned ingenuity, these myth busters will take a hard look at common perceptions, and prove or disprove popular myths, misconceptions or legends that lurk in our industry. – or myths that have to be busted: • Transaction testing on 2018 HMDA data• Community benefits agreements • HUD Zones and Opportunity Zones• REMA versus AA: who wins?• OCC's exam guidance • OCC's new redlining standards• Disaster areas • Mortgage-backed securities and CRA consideration

    Moderator:

    • Karen Tucker, President, Tucker Consulting

    Speakers:

    • Jason Keller, Economic Development Director, Federal Reserve Bank of Chicago

    • Vando Eanes, Director for CRA and Fair Lending Policy
    Moderator:
    • Karen Tucker 
    Speakers:
    • Jason Keller, 
    • Vonda Eanes 
    2:10 PM  -  3:10 PM
    Expanded HMDA Boosts Fair Lending Data Analytics Programs – Ready to Pump Yours Up?
    “I am Hans.” “And this is Franz.” “And we are here to pump you up!” The expanded HMDA data presents a great opportunity to revisit – or pump up - your fair lending analytics program. The addition of new data references and data points to determine the potential for discrimination--and increased activity now possible around analysis of lending. The increased data sets present new information and insights into their lending practices for financial institutions, also a whole new set of implications for—and scrutiny around—managing fair lending programs. This session will review best practices for data mining and data analysis across all HMDA reportable lending products – and touch on areas including:•Incorporating disaggregated race, ethnicity, and gender fields into fair-lending monitoring and testing.•Evaluating changes in fair-lending performance in light of the changes in institution and transaction coverage and data fields•Incorporating, risk-rating and prioritizing HMDA data for fair-lending analytics into fair-lending risk assessments•Using expanded HMDA data to enhance peer comparisons, marketing analyses, redlining analyses, and reverse redlining analyses.•Managing loan pricing and fair lending data analysis in light of margin compression and new HMDA fields•Incorporating monitoring output into management and the board reporting•Pricing data is now public - will that create redlining issues? Reverse redlining issues? Or public perception issues?•Machine Learning Models, Alternative Data in underwriting—new challenges/opportunities

    Moderator:

    • Sara Cook, Senior Regulatory Consultant, Wolters Kluwer

    Speakers:

    • Brae Riley, VP, Fair Banking Officer, BOK Financial Corporation
    • Matt Bunting, Director of Fair Banking, Mutual of Omaha Bank
    • Jason Dietrich, Economist, CFPB
    Moderator:
    • Sara Cook 
    Speakers:
    • Brae Riley, 
    • Matt Bunting, 
    • Jason Dietrich 
    2:10 PM  -  3:10 PM
    Opportunity Knocks: Open the Door to Investing in Opportunity Zones for CRA Credit

    The 2017 “Tax Cuts and Jobs Act” included new tax incentives relating to “Qualified Opportunity Zones” to encourage real estate development in certain designated qualifying low income communities. Developers plan to borrow from banks in connection with planned developments to take advantage of these new rules; therefore it is crucial for bankers to understand these new rules. And it is not yet clear the extent to which Qualified Opportunity Zone developments will qualify for CRA purposes. This session will provide an overview of Opportunity Zones, the challenges and benefits of using them and importantly, how to make the connection with CRA.

    Moderator:

    • Stevie D. Conlon, Vice President, Tax & Regulatory Counsel, Wolters Kluwer

    Speakers:

    • Barry Wides, Deputy Comptroller Community Affairs, OCC
    • Robert L. Schwaba, Senior Tax & Regulatory Specialist, Wolters Kluwer
    • Kevin Rogers, Senior Vice President, Community Development Lending and Investing Manager, PNC Community Development Banking
    Moderator:
    • Stevie Conlon 
    Speakers:
    • Barry Wides, 
    • Kevin Rogers, 
    • Robert Schwaba 
    2:10 PM  -  3:10 PM
    What are the Rules of the Road for Innovation? Balance Innovative and Flexible Risk Appetite

    There is a continued push to be innovative, flexible and responsive. You are all in - and guess what? The regulators are, too! How do you recalibrate your risk tolerance to accommodate the desire to move forward with innovation? Some institutions can afford to try something and it is considered just the cost of doing business. But to some institutions, a loss such as a credit risk or a reputational risk, can have significant negative impact. This session will outline regulator expectations around innovation and strategies for pushing to be innovative and flexible while recalibrating your risk appetite.

     

    Moderator:

    • Phillip Freer, Jr., Senior Director, Examinations and Compliance Programs, American Bankers Association

    Speakers:

    • Bobbie Kennedy, Associate Deputy Comptroller, OCC
    • Daryl Hall, Compliance Officer, Fifth Third Bank
    • David Lenoir, President & CEO, CRA Partners and Senior Crimestoppers
    Moderator:
    • Phillip Freer, Jr. 
    Speakers:
    • Bobbie Kennedy, 
    • Daryl Hall, 
    • David Lenoir 
     

    Break

    3:10 PM  -  3:30 PM
    Afternoon Break with Exhibitors
     

    General Session

    3:30 PM  -  4:00 PM
    Washington Update with the Department of Justice (DOJ)
    Speakers:
    • Jon Seward 
    4:00 PM  -  5:30 PM
    Moving to Consensus on Modernizing the CRA Regulations

    The OCC received roughly 1,300 distinct responses to its Advanced Notice of Public Rulemaking from the financial services industry, advocacy groups, and representatives of federal, state, and local government entities, among others. The Federal Reserve Board published, "Perspectives from Main Street: Stakeholder Feedback on Modernizing the Community Reinvestment Act," a summary of feedback received from bankers and community groups during a series of 29 roundtable discussions on the current state of, and potential revisions to, the Community Reinvestment Act (CRA). The conversation around modernizing CRA continues as the industry looks to the ANPR responses and the priorities of the other prudential regulators charged with enforcing this important regulation. This session will provide an update on CRA reform and review any progress made on reaching common ground on key aspects of the CRA framework, including:•Measuring CRA Activity and Clarifying CRA-Qualifying Activities•Geography and Refining the Assessment Area Definition•Implementing an Objective Set of Measures•Defining Community Development•Ensuring that CRA investments target those most in need in a bank’s community•Assessing lending – including digital lending – by banks outside of the area where their main offices and branches are located.

    Moderator:

    • Krista Shonk, Vice-President, Regulatory Compliance Policy, American Bankers Association

    Speakers:

    • Stephen Cross,Senior Advisor Alvarez & Marsal
    • James Matthews, Senior Vice President, CRA Strategy & Program Management, Capital One
    • Lisa Mensah,President and CEO Opportunity Finance Network
    Moderator:
    • Krista Shonk 
    Speakers:
    • Stephen Cross, 
    • Lisa Mensah 
     

    Break

    6:00 PM  -  8:30 PM
    Evening Social at Splitsville Luxury Lanes in Disney Springs
    Join us for an evening of bowling, billiards, and continued networking.
  • Tuesday, November 12, 2019
  •  

    Meal

    7:00 AM  -  8:30 AM
    Breakfast
     
    7:30 AM  -  8:30 AM
    EVERFI Power Session: Elevate Your CRA Strategy with Financial Education at Scale
    Financial institutions face increasingly high expectations when it comes to engaging with their communities and fulfilling CRA requirements. Gone are the days when a “check the box” mentality will do. Financial institutions across the country are noticing this shift and thinking strategically about not only developing unique and comprehensive CRA strategies, but also proving their efficacy. Join EVERFI for this breakfast session to learn how BNB CRA and Community Development Director,Daniel Delehanty, is utilizing financial education at scale to elevate and differentiate their CRA strategy. Sponsored by EVERFI.
    Moderator:
    • Bria Barker Lee 
    Speaker:
    • Daniel Delehanty 
    7:30 AM  -  8:30 AM
    Wolters Kluwer Power Session: Strategies for Slaying the Expanded HMDA Data Dragon

    Sponsored by Wolters Kluwer

    In a realm of unprecedented, abundant public HMDA data, how can you ensure that management, examiners and the public are sharply focused on the critical metrics that accurately portray your institution? Enter the sword-wielding dragon slayer of legend, the knightly compliance officer. With sharp focus and precision tools, you can direct attention to the right places. Sophisticated technology allows for mapping and regression, driving smarter questions, which in turn elicit thoughtful answers from available data. Attend this session and hear CRA and fair lending experts demonstrate how to slay the expanded HMDA data by:

  • Mapping for Majority Minority Tracts, including Majority Black and Majority Hispanic Tracts
  • Comparing Performance to Peer and Area Demographics
  • Identifying Individual Outliers with Regression
  • Consultants:
    • Britt Faircloth, 
    • Miral Patel, 
    • Mindy Marchetti 
     

    General Session

    8:45 AM  -  9:30 AM
    Honorary Keynote Address: The Future of Financial Services Structure and Regulation
    For over two hundred years, the United States banking system has provided consumers and businesses with financial services and products that has helped them grow and prosper. Today, we are experiencing a strong wave of evolving and innovative change that promises to bring more people into the financial mainstream. We are pleased that Tom Curry will join us to share his perspectives on how the financial services structure, and federal and state supervision and regulation will need to adapt as technology transforms the financial services landscape.

    Speakers:
    • Thomas Curry, Partner, Nutter, McClennen&Fish, LLP
    Speakers:
    • Thomas Curry 
    9:30 AM  -  10:00 AM
    Washington Update with the Office of the Comptroller of the Currency (OCC)
    The OCC will provide an overview of regulatory developments and how they are impacting the agency, their supervisory priorities and the institutions they supervise.

    Speakers:
    • Grovetta Gardineer, Senior Deputy Comptroller for Bank Supervision Policy, Office of the Comptroller of the Currency
    Speakers:
    • Grovetta Gardineer 
     

    Break

    10:00 AM  -  10:20 AM
    Morning Break with Exhibitors
     

    Breakout Session

    10:20 AM  -  11:20 AM
    Big Ideas for Small Business Lending

    Small business lending is key to CRA compliance for most banks, however, the prospect of new fair lending regulations is looming large. Small, women and minority owned businesses remain a focus of discussion and debate in the industry. Potential challenges and burdens include defining “small business” and identifying meaningful data points to collect. This session will take a look at current trends, trouble spots and opportunities. •What is the status of Dodd Frank Act Section 1071?•How do you think about redlining in small business?•How can small business data collection support innovation and economic growth?•Is there opportunity to align data collection requirements among regulators and the SBA? •What are the fair lending risks in small business lending?•How can you effectively document decisions given the varying ways to “take” an application?•How do you determine who is similarly situated?What if we have to create another LAR for small business?What data is visible to underwriting staff and if is it limited, how can it progress or inhibit your goals?

    Moderator: 

    • Kitty Ryan, Vice President/Senior Counsel, American Bankers Association

    Speakers: 

    • Nicholas Roesler, Senior Vice President, U.S. Bank
    • David Evans, Senior Fair Lending Specialist, FDIC
    • Tim Lambert, Senior Counsel, CFPB
    Speakers:
    • Nicholas Roesler, 
    • David Evans, 
    • Tim Lambert 
    10:20 AM  -  11:20 AM
    CRA Exam Management: Tips and Tricks from the Pros
    Zoom up – and let’s look at the examination process from a 50-foot perspective. Join these seasoned experts as they step through their approach to successful exam management. They’ll share tips and tricks as they walk through the essential phases of the exam lifecycle, including: establishing a strong governance framework, preparatory work, daily exam interactions and post-examination follow-up.

    Moderator:
    • Lloyd Brown, Corporate Community Reinvestment Act Officer & Head of CRA Regulatory Group , Citibank, N.A.

    Speakers:

    • Rachel Lefkowitz, SVP Compliance, Popular Bank
    • Beth Trotter, EVP & CRA Officer, IBERIABANK
    • Stephanie Cameron, CRA Administration Manager, Citizens Bank
    Moderator:
    • Lloyd Brown 
    Speakers:
    • Rachel Lefkowitz, 
    • Beth Trotter, 
    • Stephanie Cameron 
    10:20 AM  -  11:20 AM
    First Do No Harm. Do You Have Conduct and UDAAP Risk Under Control?

    Conduct risk that results in consumer or customer harm is a big concern for financial institutions. Regulators are looking for—and finding—these types of issues at several institutions, large and small. The CFPB recently held a symposium to discuss the definition of "abusive acts of practices," so the abusive prong of UDAAP is not likely to go away any time soon. Looking beyond the traditional first, second and third lines of defense, this session will discuss risk assessment strategies that connect business lines, compliance and even human resources. With a special focus on metrics and key indicators, experts will look at potential trouble spots for UDAAP and conduct risk and provide actionable takeaways to help you as you collaborate with your business lines to identify these risks early.

    Moderator:

    • Tom Grundy, Senior Director, Wolters Kluwer

    Speakers:

    • Daniel Johnson, Vice President, Fair Banking Officer, First United Bank and Trust Company
    • Christopher Leach, Federal Trade Commission
    • Amy Armstrong, VP, Compliance Advisory, Discover Financial Services
    Moderator:
    • Tom Grundy 
    Speakers:
    • Daniel Johnson, 
    • Amy Armstrong, 
    • Christopher Leach 
     

    General Session

    11:30 AM  -  12:00 PM
    Washington Update with the Federal Reserve Board of Governors

    The FRB will provide an overview of regulatory developments and how they are impacting the agency, their supervisory priorities and the institutions they supervise.

    Speakers: 

    • Eric Belsky, Director, Federal Reserve Board

    Speakers:
    • Eric Belsky 
     

    Meal

    12:00 PM  -  1:30 PM
    Regional Roundtable Lunch
    Sit with peers and regulators from your state!
     

    Breakout Session

    1:30 PM  -  2:30 PM
    Fair Lending Risk Review: From Regression Analysis to Comparative File Review

    A Fair Lending Risk Review (FLRR) provides an overall picture of your institution’s lending performance based on a specific dataset from a statistical point of view. It is a key part of “telling your story” to your regulators, especially in preparation for an exam. The FLRR can also help identify any fair lending gaps or problems that exist on a day-to-day basis and can be used to dig deeper into your data and next steps, especially if requested by a regulator.•Do you want to know what your data says about you?•How do you find opportunities to fill gaps in identified lending disparities?•Is regression analysis right for you? •How do you identify outliers for comparative file review? (marginal effects, odds ratios, etc.)•How do you do a comparative file review?•What are the considerations for remediation?

     Moderator: 

    • Phillip Freer, Jr., Senior Director, Examinations and Compliance Programs, American Bankers Association

    Speakers: 

    • Jason Dietrich, Economist, CFPB
    • Jessica Thurman, Senior Examination Specialist, Federal Deposit Insurance Corporation
    • Britt Faircloth, Senior Regulatory Consultant, Wolters Kluwer
    Moderator:
    • Phillip Freer, Jr. 
    Speakers:
    • Jason Dietrich, 
    • Jessica Thurman, 
    • Britt Faircloth 
    1:30 PM  -  2:30 PM
    It Takes a Village to Achieve Community Impact

    Let’s take some time to discuss the process of finding common ground and trying new approaches to community development. Attend this session and learn best practices for maximizing CRA investments and hear how institutions have been developing innovative activities and investments across the enterprise and in the community. Leave with ideas for integrating CRA innovation across the institution, leveraging the knowledge of other lines of business, challenging branch staff to identify business opportunities and allocating responsibility for managing and tracking opportunities for compliance with CRA. Walk away with ideas for maximizing CRA community development activities.

    Moderator: 

    • Jessica Farr, Subject Matter Expert, Federal Reserve Bank of Atlanta
       

    Speakers:

    • Ellen Murphy, Principal, CRA Strategy, VP, Bank of the West
    • Scott Sills, Chief Marketing Officer, The Citizens National Bank of Meridian
    • Joel Sklar, Principal and President, Samuels & Assocaites
    Moderator:
    • Jessica Farr 
    Speakers:
    • Scott Sills, 
    • Ellen Murphy, 
    • Joel Sklar 
    1:30 PM  -  2:30 PM
    M&A Due Diligence: How Do Fair Lending and CRA Impact Your Expansion Plans?

    Mergers, acquisitions and other expansion activities attract considerable attention and scrutiny from customers, regulators, and community advocates. To manage the application process successfully, planning, due diligence and advance preparation are all critical. M&A veterans will discuss how they manage the fair lending and CRA aspects of the application process with a focus on: • Analyzing the data of all institutions involved for Fair Lending and CRA risk;• Evaluating branch network optimization, or branch planning, branch distribution in LMI areas, innovative branching;• Working successfully with community advocates; and • Planning for post-approval implementation.

     Moderator: 

    • Anand Raman, Partner, Skadden, Arps, Slate, Meagher & Flom, LLP

    Speakers: 

    • Caren Puckett, SVP, Enterprise Fair Banking Officer, SunTrust Bank
    • Lindsay Yousif, SVP, Director of Fair Lending & Responsible Banking, TCF Bank
    • Cindy Collins, EVP, Chief Compliance Officer, Hancock Whitney Bank
    Moderator:
    • Anand Raman 
    Speakers:
    • Caren Puckett, 
    • Lindsay Yousif 
     

    Break

    2:30 PM  -  2:50 PM
    Afternoon Break with Exhibitors
     

    General Session

    2:50 PM  -  3:10 PM
    The Alfredo deHaas Excellence in Analytics Award
    Please join your peers in a ceremony to present the 4th Annual Alfredo deHaas Excellence in Analytics Award. This award recognizes the invaluable work of an individual who excels in leveraging data to demonstrate his or her institution's commitment to fair lending compliance and/or realizing CRA goals. This award is meant to trumpet the "unsung heroes" who embody Alfredo's passion and spirit for championing the creative and thoughtful use of data. Alfredo served valiantly as a compliance officer with Union Bank of California until his passing in 2013.
    Master of Ceremonies:
    • Tim Burniston 
    3:10 PM  -  3:40 PM
    Washington Update with the Consumer Financial Protection Bureau (CFPB)
    The CFPB will provide an overview of regulatory developments and how they are impacting the agency, their supervisory priorities and the institutions they supervise.

    Speakers:

    • Patrice Ficklin, Assistant Director, Consumer Financial Protection Bureau
    Speakers:
    • Patrice Ficklin 
    3:40 PM  -  5:00 PM
    Let’s Get Real About How Artificial Intelligence (AI) Impacts Fair Lending, CRA and UDAAP

    In the age of artificial intelligence, machine learning and big data, digital technologies have the potential to transform access to credit. Moreover, using machine learning algorithms to incorporate big data sets, artificial intelligence can find relationships between new factors and consumer behavior, creating the possibility of far larger types of data to be factored into a credit calculation. In this environment, how can we test our models to make sure consumers are protected against unfair or discriminatory lending practices? How can we navigate the use of big data analytics and machine learning to expand access to credit? And what measures should you have in place to best protect your bank? What are best practices for managing data? How can you map data linkages between divisions, business lines, and third parties and put controls in place throughout the organization? We’ll also discuss what a “digitized bank” means in terms of customer products and interface.

     Moderator:

    • Christina Speh, Head, CRA Fair Banking & Testing Compliance, TD Bank

    Speakers:

    • Mark Schultz, Vice President, Capital One
    • Phillip Gregorchuk, Financial Institution Examiner, Federal Deposit Insurance Corporation
    • Eric Wilbrandt, Risk Quantitative Model Validation Analyst, Regions Bank
    • Paul Gu, Founder and Head of Product, Upstart
    Moderator:
    • Christina Speh 
    Speakers:
    • Mark Schultz, 
    • Eric Wilbrandt, 
    • Paul Gu, 
    • Phillip Gregorchuk 
     

    Break

    5:00 PM  -  5:00 PM
    Evening on Your Own!
  • Wednesday, November 13, 2019
  •  

    Meal

    7:00 AM  -  8:30 AM
    Breakfast
     

    Breakout Session

    8:45 AM  -  9:45 AM
    CRA Benchmarking – Get in the Game Early!

    Setting benchmarks for CRA performance that are in line with regulator expectations and community needs is tough. Your goal is to present a living portrait of your bank and community that examiners can leverage to assess your performance. Where do you start? When do you start? How do you start? This session will review successful strategies for CRA planning, goal setting and benchmarking, touching on:

  • Developing and enhancing your CRA program
  • Setting Targets
  • Monitoring Targets
  • Managing internal expectations
  • Conducting community outreach
  • Moderator: 

    • Lilly Thomas, Senior Vice President and Senior Reg Counsel, Independent Community Bankers of America

    Speakers: 

    • Michelle Brewer, Deputy Chief Compliance Officer, United Community Bank
    • Matthew Joy, Compliance Manager, Mechanics Bank
    Moderator:
    • Lilly Thomas 
    Speakers:
    • Michelle Brewer, 
    • Matthew Joy 
    8:45 AM  -  9:45 AM
    Exam Prep 201: Advanced Preparation for Small and Intermediate Banks

    Preparing for your next examination starts today. Join us as we look beyond the technical requirements to the areas that matter most. Learn what is “reasonable,” “substantial” and “excellent” and hear about resources available to help you assess your bank’s performance. The numbers are important but putting them into context for your area is key to telling your story. This session is also important if you are on the cusp of moving from Small to Intermediate-Small Bank.•Getting agreement on the best measures for your performance • Gauging performance against standard benchmarks•Operationalizing your program internally and outlining targets and setting goals

    Speakers:

    • Craig Nolte, Regional Manager, Community Development, Federal Reserve Bank of San Francisco
    • Ann-Marie Lefebvre, Consulting Manager, Wolters Kluwer
    Speakers:
    • Craig Nolte, 
    • Ann-Marie Lefebvre 
    8:45 AM  -  9:45 AM
    Remain Vigilant: Fair Lending Enforcement Trends and Emerging Risks

    This session will review all the enforcement trends and emerging fair lending concerns. Your fair lending program remains a focus – but what are the current trends that should be shaping your priorities? Join these experts as they review recent enforcement trends and emerging fair lending concerns and provide you with compliance management strategies to mitigate risks and demonstrate compliance during exams. This session will touch on:•Implications from the recent Facebook and HUD investigations;•Increasing activity by community groups and state attorneys general;•Emerging risks from innovative underwriting criteria, machine learning and AI; and•Defining and evaluating “models”.

    Moderator:

    • Kitty Ryan, Vice President/Senior Counsel, American Bankers Association

    Speakers:

    • Paul Hancock, Partner, K&L Gates LLP
    • David Enzel, Deputy Assistant Secretary, HUD
    • Dawanda Asberry;, SVP, Director of Fair and Responsible Banking, Busey Bank
    Speakers:
    • Paul Hancock, 
    • Dawanda Asberry, 
    • David Enzel 
     

    Break

    9:45 AM  -  10:00 AM
    Morning Break with Exhibitors
     

    General Session

    10:00 AM  -  10:30 AM
    Washington Update with the Federal Deposit Insurance Corporation (FDIC)

    The FDIC will provide an overview of regulatory developments and how they are impacting the agency, their supervisory priorities and the institutions they supervise.

    Speakers:

    • Mark Pearce, Director, FDIC
    Speakers:
    • Mark Pearce 
    10:30 AM  -  12:00 PM
    You Can Take It With You!!! Key Takeaways to Share When You Return Home

    Take home some valuable lessons that you can implement at home. You just spent three days listening to today’s leading experts identify regulatory trends, describe compliance strategies, and share practical advice for maintaining your sanity in today’s regulatory environment. Go back with a roadmap for navigating today’s hottest issues and avoiding trouble. This group of “voice of the industry” experts will dig deep and share practical advice on key takeaways, such as: •HMDA Expanded Data•Fair Lending Testing Mechanisms (Disparate Impact, Proxy Data, Redlining)•Regulatory Expectations Around CRA •Key Regulatory Initiatives•Trends in oversight and enforcement

    Moderator:

    • Paul Hancock, Partner, K&L Gates LLP 

    Speakers:

    • Donna Murphy, Deputy Comptroller for Compliance Risk Policy, OCC
    • Karin Lockovitch, Former Chief Compliance Officer/Currently Consultant, Bank of the West, Zions Bancorp., Suntrust
    • Chelsea Keegan, Head of Borrower Compliance, Fair Lending Officer LendingClub
    • Lori Lennemann, Senior Regulatory Consultant, Wolters Kluwer
    Moderator:
    • Paul Hancock 
    Speakers:
    • Donna Murphy, 
    • Karin Lockovitch, 
    • Chelsea Keegan, 
    • Lori Lennemann 
     
    12:30 PM  -  3:30 PM
    Advanced CRA Wiz Training (Cost $255 includes lunch)

    Advanced CRA Wiz Training: Best Practices for Meeting Internal Obligations and Regulator Expectations (Cost $255 includes lunch)

    Limited to CRA Wiz Users; registration required; limited to 40 attendees

    Leverage CRA Wiz to enhance your compliance measures. During this advanced intensive training session, Wolters Kluwer CRA consultants will cover the essentials of CRA software process flows, including import format/data normalization, data and operational process enhancements, and custom documentation. We may also review advanced techniques creating assessment area maps and conducting a CRA self-assessment using demographic and performance context. Experts will share best practices and strategies for leveraging the software to address current CRA challenges.

    Speakers:
    • Ann-Marie Lefebvre, 
    • Angela Myers 
    Fee  Optional  Closed 
    12:30 PM  -  3:30 PM
    Advanced Fair Lending Wiz Training (Cost $255 includes lunch)

    Advanced Fair Lending Wiz Training: Best Practices for Meeting Internal Obligations and Regulator Expectations (Cost $255 includes lunch)

    Limited to Fair Lending Wiz Users; registration required; limited to 40 attendees

    During this advanced intensive training session, Wolters Kluwer consultants will demonstrate advanced software techniques for conducting a fair lending assessment using risk review, a comparative file review, and regression analysis. This session will also cover any updates relating to the 2018 expanded HMDA data. This demonstration will mimic the Interagency Fair Lending procedures. Additional registration is required to attend.

    Speakers:

    • Britt Faircloth, Senior Regulatory Consultant, Wolters Kluwer
    • Sara Cook, Senior Regulatory Consultant, Wolters Kluwer
    Speakers:
    • Britt Faircloth, 
    • Angela Myers 
    Fee  Optional  Closed 
Printer Friendly
Already Registered?

Hosted by : WK_S_04_Rev_RGB_Color

Top