1

DEALING WITH CLIENTS FAIRLY

What you need to KNOW

(A Presentation of your CCB Compliance Team and Star University)

Dealing With Clients Fairly 2

Introduction

Dealing With Clients Fairly: Introduction

3

Course objectives

At the end of this training you should: Have a basic understanding of the three kinds of

illegal discrimination and how they come up in the context of lending practices;

Have a basic knowledge of the major laws and regulations that govern Fair Lending practices;

Understand the importance of bank compliance and your crucial part in it; and

Commit to scrupulous observance of the law and bank policy.

(Click here to continue)

Dealing With Clients Fairly: Introduction

4

Course overview

This course is presented mostly in Question and Answer format with seven modules following this introduction.

Module I—basic facts about discrimination—What it is, and what kinds are illegal.

Modules II & III—The Equal Credit Opportunity Act and the Fair Housing Act—Substantive rules on Fair Lending practices: what lenders can and cannot do.

Modules IV & V—The Home Mortgage Disclosure Act and the Community Reinvestment Act—Requirements for the public disclosure of certain Fair Lending data.

Modules VI & VII—Unfair, Deceptive, or Abusive Acts or Practices regulations and the Servicemembers Civil Relief Act—Prohibition of unfair business practices and requirements for handling credit transactions with our men and women who are called to active military duty.

Dealing With Clients Fairly: Introduction

5

This course is about 6 Fair Lending laws...

The Equal Credit Opportunity Act (ECOA) The Fair Housing Act (FHA) The Home Mortgage Disclosure Act (HMDA) The Community Reinvestment Act (CRA) Federal Trade Commission Act—Unfair, Deceptive,

and Abusive Practices (UDAAP) The Servicemembers Civil Relief Act (SCRA)

Dealing With Clients Fairly: Introduction

6

...but just one Capital City Bank Fair Lending policy

“This bank will not knowingly discriminate

against any member of a protected class in any manner whatsoever.”

(Click here to continue)

Dealing With Clients Fairly: Introduction

7

“The bank will encourage all who are interested to

apply for credit and will by neither word nor deed discourage any person

from applying for credit.”

Dealing With Clients Fairly: Introduction

8

“The bank will take all applicants seriously, treat them with due deference,

and diligently process their applications.”

Dealing With Clients Fairly: Introduction

9

“The bank will apply uniform and objective

standards of creditworthiness without

regard to an applicant’s membership in

a protected class.”

Dealing With Clients Fairly: Introduction

10

“The bank will provide all applicants with an equally courteous and high quality

of service, from the moment they make first contact with the bank

through the underwriting decision and beyond.”

CAPITAL CITY BANK

More than your bank…your banker!