HMDA Reporting Part 3: Commercial Lending Issues

On-Demand Webinar:
StreamedNov 11, 2021Duration60 minutes
  • Unlimited & shareable access starting
    two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions
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Round out your HMDA knowledge with Part 3 of this three-part series.

Learn how HMDA applies to commercial lending, including the nitty gritty requirements and problem areas to avoid.  Real-life examples will be used to further illustrate how to use HMDA resources. 

  • Identify common reporting problems for commercial loan applications:
    • Distinguish between covered and excluded applications
    • Know which structures are a dwelling for HMDA reporting
    • Discern what counts as gross annual income
    • Properly report demographic information; while corporations and partnerships are exempt, this information must be requested from “natural persons”
    • Address complex issues with mixed-use dwellings, which often serve as collateral for commercial loans
  • Use the CFPB and FFIEC HMDA resources more effectively
  • Define the correct loan purpose
  • Explain complex HMDA scenarios to lending staff, including new employees


This HMDA-focused webinar will review the fundamental requirements specific to commercial loan applications and focus on problem areas that can create HMDA reporting violations.  Real-life examples will reference HMDA resources that can be used to improve training, identify potential reporting errors, and streamline verifying data integrity.  This is the third webinar in a three-part series.  Attend Parts 1 and 2 to learn more about application basics and collecting demographic information.


This informative session is designed for all employees who need to understand and manage HMDA reporting, including loan operations, loan officers, loan assistants, processors, compliance officers, and auditors.


  • HMDA flow chart for 2020 activity, including updated resources from the CFPB
  • Tool for collecting demographic information
  • Step-by-step data collection definitions and important reporting tips
  • Employee training quiz
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits.

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.

Presented By

Susan CostonisSusan Costonis
Compliance Training & Consulting for Financial Institutions