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Commercial Loans Secured by Real Estate

Apr 29 2:00 PM - Apr 29, 2020 3:30 PM
Apr 29, 2020 2:00 PM - 3:30 PM

Do you take real estate as collateral for commercial loans? If so, you must comply with a variety of related regulations or risk civil money penalties. Join us to learn how to stay above the fray.

Learning Objectives

  • Understand and avoid commercial loan violation hot spots, including fair housing, Regulation B, Flood Disaster Protection Act, Fair Credit Reporting Act,accommodation loans, HMDA, and insider lending
  • Use toolkit resources to comply with requirements when real estate is taken as collateral, including the Reg B appraisal copy rules on first-lien 1-4 family dwellings
  • Correctly identify “detached structure” coverage for flood insurance
  • Explain documentation requirements for beneficial ownership rules to legal entity loan applicants and complete the required certification process
  • Distinguish between business- and consumer-purpose loan requests• Comply with the HMDA requirements for business-purpose loans

Which regulations apply to commercial loans? What if a loan is secured by real estate?Are there exceptions when real estate is taken as “an abundance of caution”? Can examiners assess civil money penalties for violations? Do your commercial lenders and support staff understand the data collection required for HMDA-reportable applications?Is a written application required for a business-purpose loan? Join us to learn the answers to these questions and more. Real-life examples will be used to demonstrate how regulations apply during the commercial loan application process. 



Susan Costonis, Compliance Consulting and Training for Financial Institutions

Susan Costonis is a compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training.Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998,completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real-life examples. 




Live and recorded webinar, handouts, quiz with answer key and training log are included.

Your registration includes access from up to three locations, making it easier to share and learn with remote staff during the coronavirus crisis. Training materials will be available to download the day of the event.

Additional Info

Commercial Lending Series

This webinar is also available as part of a six-part series. Purchase the full series of six webinars for $1,295 and save $259.

Learn more >>

Event Type


Topics Covered

  • Live Webinars
  • Compliance
  • Lending & Collections