Introduction to Consumer Lending

Effectively managing consumer lending while staying compliant with regulatory requirements can be a challenge for some financial institutions. Dive into the basics of consumer lending, including the consumer loan function, marketing strategies, and learn to make informed lending decisions based on the five C’s of credit: capacity, capital, collateral, conditions, and character. Attendees will gain valuable insights into loan structure, support, and documentation while exploring how these elements play a crucial role in the lending process. Real-world examples, such as auto loans, RV loans, and home equity lines of credit (HELOC), will illustrate practical applications throughout the discussion.

The session will also address consumer loan compliance requirements, including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting. Plus, case studies will be used to demonstrate how these concepts are applied, providing a well-rounded understanding of consumer lending and regulatory compliance.

Learning Objectives:

• Understand the basics of consumer lending, including key processes and practices.

• Explore effective strategies for marketing consumer loans and attracting borrowers.

• Learn how banks make lending decisions based on the five C’s of credit: capacity, capital, collateral, conditions, and character.

• Examine the structure, support, and documentation of consumer loans, with practical examples such as auto loans, RV loans, and HELOCs.

• Apply consumer lending principles through real-world case studies to reinforce learning and decision-making.

Duration: 90 minutes

Who Should Attend: Consumer Lenders, Loan Documentation Specialists, Private Bankers, Business Development Officers, Branch Managers, Financial Service Representatives

Instructor(s): David Osburn, Osburn & Associates, LLC

Recorded: Mar. 6, 2025.