JANUARY–FEBRUARY 2019 | VOL. 40 | NO. 1
BY BRIAN WATERS,
28 Fair Lending
BY BRIT T FAIRCLOTH,
36 On the Frontline
BY LEAH M. HAMILTON,
38 From the
4 The Future of Consumer Financial Protection
BY NESSA FEDDIS, J.D.
In the world of consumer financial regulation, much has
happened since the 2016 election. In Director Mulvaney’s short
tenure a conspicuous re-direction is beginning to take hold.
Here you’ll find what has changed, and its projected path.
10 Re-evaluating Your 2018 HMDA Implementation
BY JOSEPH N. DURHAM, CRCM, CAMS, and
PAUL R. OSBORNE, CPA, AMLP, CAMS
It is important for banks to reevaluate their implementation
processes for the March 1, 2019 HMDA reporting deadline,
if they have encountered accuracy-related issues compiling
data for their 2018 LARs (Loan Application Registers). This
re-evaluation needs to be adequately documented to show
the steps taken and the changes demonstrating the good
faith effort of compliance.
14 Hidden Tripwires in the New 2018 HMDA Rules
BY CARL G. PRY, CRCM, CRP
On this journey of implementation, several critical areas
of confusion and concern have been noted. This article
discusses a few of those problem areas, issues to be aware
of, and other pain points to address.
18 Compliant Digital Marketing
BY RENEE W. HUFFAKER, CPA, CRCM
This article helps compliance professionals understand how
digital marketing may introduce new risks to the bank, as
well as how to measure and monitor the objectives and
reach of a campaign. This knowledge will help demonstrate
to regulators that marketing tactics include all areas of
communities in which the bank operates.
32 Post TRID 2.0: Managing Potential Compliance Risk
BY SUE BURT
It is now past the mandatory effective date of TRID 2.0,
and now is an ideal time to ensure your implementation
efforts are in compliance, and that disclosures match actual
policies and practices. This article reviews the TRID 2.0
amendments, a few disclosure requirements that represent
potential compliance risk, and potential enhancements to