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Course description

The intent of applicants to apply for credit jointly is often something that lenders assume or take for granted. However, in the case of joint intent, even seemingly innocent assumptions can get your financial institution into a lot of hot water. Erroneous assumptions regarding joint intent can lead to claims of illegal discrimination under the Equal Credit Opportunity Act (Regulation B). Your lenders must make an actual determination that intent to apply jointly exists and must then properly document that joint intent. Join BOL Guru David Dickinson to learn the who, what, when, where and how of documenting an applicant's intent to be a joint applicant.

You will also learn when you can and cannot require someone to sign a loan contract according to regulatory requirements.

Regulation B requires that you affirmatively document an applicant's intent to apply for joint credit. David will immerse you in this topic by analyzing many real life examples.



Instructor(s)

David Dickinson

David’s banking career began as a field examiner for the FDIC in 1990. He later became a Loan Officer for a small bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces.He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA’s Regulatory Compliance Conference. David is also a trainer for hundreds of webinars, is a Certified Regulatory Compliance Manager (CRCM) and has been a BankersOnline Guru for many years. The American Bankers Association honored David with their Distinguished Service Award in 2016.David and his wife Karen have 3 adult children (none of whom live at home!) & 3 cats (which Dave is allergic to). They live on a lake in Nebraska and when possible, Dave can be found fishing or in the water. David plays the guitar & piano and enjoys singing with Karen. Together they lead worship at their church.

Course curriculum

  • 1

    Video

    • Documenting Joint Intent
  • 2

    Materials

    • Materials

    • Slides

    • Questions and Answers