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2026 Fair Lending All-Day Live Streaming

An in-depth, detailed discussion of all things fair lending - what are the more recent developments? Where does our risk lie? What are the regulators' expectations? We'll discuss all this and much more.
Upcoming
DATE

Wednesday, June 17, 2026
10:00 am - 5:00 pm

INSTRUCTOR

Carl Pry

FORMAT

Live Stream

CREDIT TYPE

6 CRCM Credits

$849.00 or 5 Tokens

Includes: 12 months of OnDemand playback access

  • Auditing
  • Commercial/Business Lending
  • Compliance
  • CRA Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Risk Management/Legal
  • Transaction Compliance
  • Bank Legal Counsel
  • Branch Manager
  • Commercial Lender
  • Community Reinvestment Act Officer
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Customer Service Representative
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Mortgage Lender
  • Private Banker
  • Risk Manager
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Workout Specialist/Collector

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Despite news to the contrary, fair lending continues to be a very hot topic in 2026, even with a constant flow of new developments and expectations. Lenders continue to have important legal obligations to fulfill, and litigation is becoming more prevalent. As well, the states have begun acting to “fill in the gaps” in perceived retrenchment of enforcement. Over the past few years, we’ve seen new requirements and enhanced enforcement we must monitor. More recently, we’ve seen a de-emphasis on disparate impact liability and changes to Reg. B’s discouragement and Special Purpose Credit Program rules.

Are you keeping up with all these changes that will impact your institution? It is more critical now than ever to ensure your fair lending program covers all the bases. There are new ways of looking at lending patterns, activities, and risks, and new expectations from the agencies.

In this all-day streaming session, we’ll go in-depth with a discussion of fair lending principles, expectations, and techniques. We’ll explore what’s new in the area of fair lending, to new interpretations of protected classes, to future potential legislation and new agency leadership and priorities. We’ll also cover aspects of formulating and maintaining an effective fair lending risk assessment, a critical component of an institution’s fair lending compliance program. We’ll also explore the many risks and hot spots to monitor for fair lending, and discuss how to best comply with the new requirements and expectations. We’ll ensure you’re ready for your next fair lending compliance examination so you can put your best foot forward.

What You'll Learn

This session delivers a comprehensive, practical examination of fair lending requirements, enforcement trends, and risk management expectations across the entire lending lifecycle.

  • Fair lending legal and regulatory structure – a brief history and where these requirements come from
  • Who exactly is covered, “applicants” and “creditors”
  • Special Purpose Credit Programs – leveling the playing field, and potential changes
  • Violation consequences
  • Related laws and regulations, HMDA, CRA, ADA, and more
  • Prohibited bases under the rules (what you can do, as well), including changes in definitions – including examples and scenarios
  • “Vulnerable populations” – covered?
  • Legal theories of discrimination – how is fair lending enforced? Including examples
  • Recent Executive Orders and de-emphasis on disparate impact liability
  • Fair lending throughout the lending process – from A-to-Z
  • The fair lending risk assessment – quantitative and qualitative factors
  • Marketing considerations – putting your best foot forward
  • Regulator priorities – supervisory reports
  • Discrimination is UDAAP – CFPB and FDIC exam manuals, what does this mean?
  • Redlining (including reverse redlining) – what is it, how do we analyze it, and what is new (hint, plenty)
  • “Intrabank” vs. “Interbank” redlining analyses, including the opportunity assessment – what are the standards?
  • Digital redlining – what is this and how does it impact your institution? How to look at redlining in the digital age
  • REMA/Marketing Area/Service Area – what is this? What should we do to be ready for our next exam?
  • Marketing and advertising issues – what can and can’t we do?
  • Artificial intelligence (AI), algorithms, and “big data” – new areas of opportunity as well as risk
  • Fair lending issues in the servicing environment, especially debt collection, default management, and foreclosures
  • Government monitoring information – when to get it under Reg. B and HMDA, and how to handle it, including the URLA/1003 application form, and new Fannie/Freddie requirements for servicers
  • Foreign language issues and “Limited English Proficiency,” or LEP, customers – how to handle this thorny issue?

Who Should Attend

Anyone involved in the lending process within your institution, from marketers to loan officers, from processors to closers, and everyone in between.
Carl Pry

Instructor Bio


Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Advisor for Asurity Advisors in Washington, DC. Through his more than 35-year working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves as the Chair of the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.


Continuing Education Credit Information

2026 Fair Lending All-Day Live Streaming has been approved for 6 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

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