Introduction to Consumer Lending

Webinar

Introduction to Consumer Lending

Mar 6, 2025 | 11:00 am ET • 10:00 am CT | Webinar

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

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Pricing

ICBA Members

Live: $209

On-Demand: $229

Live + On-Demand: $249


Non-Members

Live: $309

On-Demand: $329

Live + On-Demand: $449


Unlimited Webinar Pass subscription: $0

Attendance/Cancellation Policy:

  • Full payment is required prior to live webinar attendance. Digital products will be made available when full payment is received.
  • Registration fee is valid for only the individual registered. Each attendee must register.
  • Digital product purchases cannot be cancelled once the order has been processed and the product is available to use.
  • Refunds will not be granted unless there is a technical issue that cannot be resolved that prevents the purchaser from accessing and/or using the product. Refund requests for technical issues must be received within 15 days of the date of purchase. No refunds will be issued once the bank has received webinar materials or after the start date.

Continuing Professional Education Credit (CPE) Requirements (if applicable*)

  • Enter your full name when joining the webinar. Your Zoom session must display your full name and match the registration.
  • Attend the live webinar session for the duration of the session. NOTE - If attending by phone audio only, no CPE will be awarded due to participant’s inability to respond to poll questions.
  • Answer all poll questions displayed during the session.

*View CPE Credit Hours in the “Who Should Attend” section.

For more information, call 800-422-7285 or email [email protected].

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

Prerequisites: Basic knowledge of banking.

Advanced Preparation: None

Program Level: Basic

Field of Study: Specialized Knowledge

Delivery Method: Group Internet Based.

CPE Credit Hours: 1.5

David Osburn

Osburn & Associates, LLC

Code of Conduct

Registration, attendance, or participation at this event constitutes an agreement to adhere to the ICBA code of conduct and complaint policy. ICBA aims to be welcoming, safe, and inclusive to all participants, with the most varied and diverse backgrounds possible.

As such, The Independent Community Bankers of America (“ICBA” or the “Association”) has adopted a zero-tolerance policy toward all forms of unlawful discrimination and harassment.

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