CSBS BAI Course Catalog

Commercial Lending: UDAAP, Reg B, and Other Fair Lending Issues 25 minutes This course addresses the key components to treating consumers fairly from pre-application to closing, including what information cannot be considered while underwriting a commercial loan and which actions or practices may be unfair, deceptive or abusive. 45 minutes Intended for financial institution employees in a small business lending role, this course surveys the relevant laws and regulations they must understand and follow to protect consumers and their institutions. The course covers fair lending laws, regulations relevant to loans secured by real estate, and key components of the Bank Secrecy Act and USA PATRIOT Act. It also looks at other consumer protection laws relevant to small business lending, including Regulation Z, the Servicemembers Civil Relief Act, and the Fair Credit Reporting Act. 40 minutes This course provides an overview of the implementation of Section 1071, the amendment to Regulation B that requires financial institutions to compile data regarding certain business credit applications and report the data to the Consumer Financial Protection Bureau (CFPB). You will receive guidance on which types of loans are covered and what institutions are covered by the rule as well as the dates by which the rule must be implemented. The course is recommended for commercial lenders/small business lenders, loan processors, and their managers. Customer Service 25 minutes This course provides an overview of common borrower concerns throughout the account servicing process and identifies how to resolve these issues, including how to deal with difficult consumers and handle consumer disputes. Ethics 25 minutes This course provides an overview of the importance of ethical behavior to financial institutions and identifies the general rules of ethical behavior, how to recognize unethical behavior on the job, and the process for handling ethics violations. Regulations addressed in this course include the Dodd-Frank Act and the Bank Bribery Act. Fair Lending 20 minutes This course addresses the key components to treating consumers fairly from pre-application to closing, including what information cannot be considered while underwriting a commercial loan and which actions or practices may be unfair, deceptive or abusive. This course includes: Reg B. Laws and Regulations for Small Business Lending Section 1071: The Small Business Lending Data Collection Rule Commercial Banking: Addressing Borrower Concerns Commercial Banking: Ethics Commercial Banking: Equal Consideration

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