10 Steps to Pass Your Next Compliance & Fair Lending Exam
How prepared is your financial institution for the August 1 “Integrated Disclosure” changes?

Fair lending remains a “hot topic” with regulators. A compliance examination is the “report card” that financial institution regulators use to “pass or fail” a financial institution’s compliance and Fair Lending program. Will your bank or credit union pass the test?

This fast-paced seminar provides practical guidance to develop and maintain a risk-based compliance management program.  Whether your bank is a small community bank, credit union or a large regional institution, this seminar will review the components of an effective compliance management system including Board and management oversight, audit and monitoring functions, organizational structure, corrective action, training, and recommended policies and procedures.  Participants will then be guided through the entire exam process beginning with elements of the initial request letter, moving to suggestions for managing the exam process, and concluding with preparation for the exit meeting and explanations of the compliance rating system. 

Covered Topics

  • What are the latest compliance exam procedures and “hot spots”? Learn 10 steps to help you prepare for and PASS the compliance exam.
  • What should be in place for the “Integrated Disclosure” changes?
  • What can you learn from recent enforcement actions, including penalties for UDAAP?
  • How do you develop a risk-based compliance management program? 
  • What does the Board need to know and what is appropriate Board oversight? 
  • What type of corrective action is required when you find a compliance deficiency?
  • What are practical tips to prepare for and manage the compliance exam process?  
  • What are the most recent fair lending “hot topics”?  


The program is designed for both experienced and new Compliance Officers, Auditors, Risk Managers, and Senior Management.  Requirements for small and large financial institutions are covered with a particular emphasis for FDIC supervised institutions. Links will be provided for the CFPB, OCC, Federal Reserve, and NCUA exam procedures.


Susan Costonis is a compliance consultant and trainer. She frequently provides consulting services to financial institutions regarding fair lending and other compliance management issues. Her 37 year career in banking and training began with 20 years at First National Bank, an affiliate of Wells Fargo Bank, in Fort Collins, CO. Susan has been a bank compliance consultant or compliance officer in Louisiana since 1998.

During her career, Susan has successfully managed compliance programs and exams for institutions supervised by the OCC, FDIC, and Federal Reserve. She is a Certified Regulatory Compliance Manager and completed the ABA Graduate Compliance School and the Graduate Banking School of the University of Colorado. Susan regularly presents seminars to financial associations.

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.5 CE Credits


Live Webinar which includes 7 Day On-Demand  - $265
Six Month On-Demand – $295
Live plus Six Month On-Demand – $365
CD-ROM (Includes Six Month On-Demand) – $325
Premier (Includes all options) – $395
Additional Locations – $75                     


Online: Click here.

Phone: Call Total Training Solutions at (800) 831-0678

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.