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Fair Lending Essentials

The federal fair lending landscape has changed significantly—and financial institutions need to understand what those changes actually mean for their fair lending compliance programs. Changes in federal enforcement priorities, regulatory interpretation, and supervisory expectations have created questions for compliance professionals. Has fair lending enforcement really changed? What happened to disparate-impact risk? What remains enforceable under ECOA and the Fair Housing Act? How should institutions approach redlining, HMDA data, marketing, underwriting discretion, and fair lending testing in today's environment? This 90-minute live webinar cuts through the uncertainty and focuses on what compliance professionals need to know now. Rather than simply reviewing the fundamentals of fair lending, this program examines the current regulatory landscape, the risks that remain, and the practical steps institutions should take to ensure their fair lending programs remain effective, defensible, and aligned with current requirements.
Upcoming

Intermediate

DATE

Tuesday, December 1, 2026
2:30 pm - 4:00 pm

INSTRUCTOR

Kimberly Boatwright

FORMAT

Webinar

CREDIT TYPE

2 CRCM Credits

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Auditing
  • Commercial/Business Lending
  • Compliance
  • CRA Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Risk Management/Legal
  • Bank Legal Counsel
  • Commercial Lender
  • Community Reinvestment Act Officer
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • 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
  • Trainer

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Review the significant changes in federal fair lending policy and enforcement priorities and what they mean for financial institutions.

  • Separate Regulatory Change From Compliance Risk
    Understand which fair lending requirements have changed, which remain in place, and why a change in federal enforcement priorities does not eliminate fair lending risk.

  • Take a Fresh Look at Disparate Impact
    Examine the current regulatory treatment of disparate-impact theory and what compliance professionals should consider when evaluating policies, procedures, products, and lending practices.

  • Understand Where Intentional Discrimination Risk Remains
    Review disparate treatment and other forms of prohibited discrimination and consider how lending decisions, exceptions, pricing, steering, and discretion can create risk.

  • Reevaluate Your Fair Lending Program
    Consider whether your current risk assessment, policies, testing, monitoring, training, and governance processes still make sense in today's regulatory environment—or whether they need to be adjusted.

  • Connect HMDA and Fair Lending
    Explore how HMDA data can help identify lending patterns and potential risk, while recognizing the limitations of using HMDA data as a standalone fair lending analysis.

  • Understand Redlining Risk
    Review the continued importance of geographic lending patterns, assessment areas, marketing, branch locations, outreach, and community access when evaluating potential redlining concerns.

  • Look Beyond Federal Enforcement
    Consider fair lending risk arising from state regulators, state attorneys general, litigation, community organizations, and other external stakeholders.

  • Consider the Impact of Marketing and Technology
    Explore how advertising, digital marketing, automated decision-making, and other technology-driven lending processes can create fair lending concerns even when traditional underwriting processes have not changed.


What You'll Learn

During this live webinar, we will examine:

  • The current federal fair lending regulatory and enforcement landscape
  • Key changes affecting ECOA, Regulation B, and fair lending enforcement
  • Disparate treatment and disparate-impact theories
  • What the changing federal environment means for fair lending risk assessments
  • Underwriting discretion, exceptions, pricing, and other areas of potential risk
  • HMDA data and fair lending analysis
  • Redlining and geographic lending risk
  • Marketing, advertising, and digital delivery channels
  • Small business lending and Section 1071 considerations
  • State enforcement, litigation, and other sources of fair lending risk
  • Fair lending testing and monitoring in the current environment
  • Policies, procedures, training, and governance considerations
  • What compliance professionals should evaluate before entering 2027

Participants will leave with a clearer understanding of the current fair lending environment and practical considerations for managing risk in a changing regulatory landscape.

The goal is not to abandon your fair lending program—or to continue doing everything exactly as it has always been done.

The goal is to understand what has changed, identify what still matters, and make informed decisions about where your institution should focus its fair lending resources now.

Who Should Attend

This program is designed for:

  • Compliance officers and compliance professionals
  • Fair lending and CRA officers
  • Lending compliance personnel
  • Risk managers
  • Internal auditors
  • Loan operations and lending managers
  • Mortgage and consumer lending professionals
  • Bank and credit union counsel
  • HMDA professionals
  • Others responsible for managing, testing, or monitoring fair lending risk
Kimberly Boatwright

Instructor Bio

Kimberly Boatwright is EVP and Director of Risk and Compliance at Compliance Resource, LLC, and has more than two decades of experience working in the financial services industry. Ms. Boatwright is a well-regarded financial industry risk and compliance professional with a strong background in program development and implementation. She is a thought leader who specializes in Fair Lending, Anti-Money Laundering, OFAC, and consumer compliance. During her career, she has worked for and consulted with all types of financial institutions helping to establish and evolve compliance and risk programs. She is a frequent public speaker, trainer, and author on compliance and risk management topics. Kimberly is a Certified Regulatory Compliance Manager and a Certified Anti-Money Laundering Specialist.

Continuing Education Credit Information

Fair Lending Essentials has been approved for 2 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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