How to Analyze Fair Lending Compliance

Instructor: Craig M Taggart
Product ID: 704678
Training Level: Basic
  • Duration: 90 Min
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The stakes are only getting higher: the Dodd-Frank Act contains provisions requiring additional HMDA data to be collected and submitted in the years to come. This training program will focus on how in the years to come we'll be collecting and submitting data on commercial applications as well. Understanding your data is no longer a "nice-to-have"; it's a necessity.

"How to Analyze Fair Lending Compliance" - This course is approved by NASBA (National Association of State Boards of Accountancy). Attendees of Live Webinar are eligible for 1.8 CPE credit up on full completion of the course.

Why Should You Attend:

Your HMDA-LAR data is the ground floor of a fair lending examination, and your regulators are performing detailed statistical analysis in preparation for the exam. It is a goldmine of information simply because it contains demographic information of applicants and borrowers. Performing analysis of HMDA data is no longer a best practice; it is an expectation of examiners. They expect you to understand your own data and be able to apply a risk-based focus in your efforts.

But what does this mean? How to best do this? This program explores ways to use HMDA data in various types of analyses. This isn't meant only for larger institutions, either. There are many tools that even the smallest community banks can (and should) utilize. This webinar will explore how many of these analyses can be performed with just Excel. But in today's strict fair lending examination environment, understanding your own data is a necessity.

Learning Objectives:

  • Examiner expectations regarding additional data elements
  • Identifying and analyzing outliers
  • Regression analysis, matched pairs/comparative file review, and individual file review
  • Service level analysis
  • Analyzing foreclosures, modifications, and other distressed situations
  • What to do with the information when you're done - reporting and escalation

Areas Covered in the Webinar:

  • Collecting the information you need (it's more than just LAR data)
  • Basic calculations to run to identify areas for further analysis: disparity ratios, t-values, and more
  • Analyzing your data by "slices"
  • Identifying problem areas
  • Reviewing peer data
  • Examples of tables, calculations and comparisons to run
  • Analyzing pricing information

Who Will Benefit:

  • Mortgage Lending
  • Mortgage Brokers
  • Home Buyers
  • Marketing
  • Compliance and Audit Teams
  • Special Assets Officers
  • Credit Officers
  • Loan Department Management
  • Auditors
  • Bank Counsel
  • Banking personnel involved in the collection process

Instructor Profile:

Craig Taggart has almost a decade of experience in the fields of mergers and acquisitions and business financing. Mr. Taggart works strategically with his clients to achieve the highest value for their business within the capital markets. His experience with BCC Capital Partners in the M&A industry has greatly contributed to his understanding of transaction structure, strategic placement of buyers, and the attainment of maximum market value for his clients. He has represented and sold many businesses in a number of different industries and has significant experience working with companies in: continuing education, transportation, software and professional services. Mr. Taggart is currently working in the clean energy sector that covers multiple initiatives within M&A and corporate development.

He is a certified merger and acquisition advisor, accredited valuation analyst as well as an active member of Alliance of Mergers and Acquisition, and The National Association of Certified Valuators and Analysts (NACVA). His knowledge and expertise also extends to systems such as: Software as a Service (SaaS), and ERP and CRM systems (Netsuite, Salesforce, Sage 100, 500, X3 ERP). Mr. Taggart has been a certified fraud examiner since 2011 and has previously worked at Deloitte with their quality risk management team.

He earned his MBA from the San Diego State University specializing in financial management. Mr. Taggart graduated from the California State University Northridge with a bachelor’s degree majoring in organizational psychology.

We are registered with and adhere to the Statement on Standards for Continuing Professional Education programs of the National Registry of CPE Sponsors. Our registration number is 109066. Please check with the governing body of your license and state for specific CPE requirements. Grievances may be forwarded to the company at 650 620 3961. Grievances may also be forwarded to the National Registry of CPE Sponsors-NASBA, 150 Fourth Avenue North, Suite 700, Nashville, TN 37219-2417, 615-880-4200,, e-mail

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