CSBS BAI Course Catalog

Consumer Lending: Explaining Rates, Fees, and Disclosures 30 minutes This course, intended for consumer lending personnel, provides an overview of the disclosures required at closing, the fees that go into the cost of a loan, and the documents consumers must sign at closing. Regulations addressed in this course include UDAAP and the Military Lending Act (MLA). 25 minutes This course, intended for consumer lending personnel, provides a high-level overview of the pre-application phase of consumer loans, including the steps of the sales/consulting cycle; required disclosures; and how to avoid discouraging, unfair, deceptive or abusive acts or practices when discussing a consumer loan. Regulations addressed in this course include Reg B, TILA, and FCRA/FACTA. 25 minutes Intended for consumer lending personnel, this course provides an overview of private education loans, including the unique requirements of private education loans, the risks associated with them, and the disclosures required at each stage of the loan process (Regulation Z). 25 minutes Intended for consumer lending personnel, this course provides an overview of the lending process, including how to answer consumer questions, what disclosures must be provided throughout the application timeline, and what common forms are needed for an application. This course also addresses the types of ques-tions lenders can and cannot ask during the application process. Regulations covered in this course include Regulation B, Regulation Z, and ECOA. 15 minutes Intended for fair lending officers, risk managers, and compliance professionals, this interactive course provides an in-depth look at redlining and reverse redlining. Collections 165 minutes This course, recommended for lenders, describes which factors affect delinquency rates for consumers. It also identifies delinquent borrowers and outlines the components of an effective collection policy, as well as the steps in preliminary collection procedures. It also explains the provisions of the Fair Collection Practices Act, various collection methods, and remedial payment techniques. 30 minutes This course, recommended for loan servicing and collections staff at lending institutions, introduces debt collection practices available to debt collectors as established by the Fair Debt Collection Practices Act (FDCPA), including the rules and restrictions for contacting delinquent borrowers and third parties. To avoid unfair, deceptive, and abusive practices with delinquent borrowers, lending institutions may refer to the FDCPA-which serves as a best practice for other federal and state laws that restrict the collection activities of lending institutions. This course is suggested as the second course in a series of three courses on consumer loan collections. Consumer Lending: Exploring Needs and Options Consumer Lending: Private Education Loans Consumer Lending: Understanding the Application Process Redlining Risks and Mitigations Consumer Loan Collections Consumer Loan Collections: Contacting Delinquent Borrowers

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