New this year! CUNA Consumer Lending School and CUNA Mortgage Lending School have combined for the ultimate training event for lenders! Breakout sessions will be offered for customized training.

To meet today's competitive lending demands, your credit union needs lending professionals who have an eye on the current economy and have a vision for your credit union's success. Ensure your credit union is ready to tackle 2010 by attending CUNA Consumer & Mortgage Lending School — Day 2, which features seminars on today's lending challenges & opportunities, consumer and mortgage lending regulations, and methods to reach out to members who are in financial trouble.

Of related interest:
CUNA Consumer & Mortgage Lending School — Day 1
CUNA Consumer & Mortgage Lending School — Day 3
CUNA Consumer & Mortgage Lending School — Day 4

This seminar is part of the CUNA Consumer & Mortgage Lending School . Click here for additional seminars on this topic.

LOCATION
MGM GRAND LAS VEGAS
3799 Las Vegas Blvd S
Las Vegas, NV 89109-4319
Phone: (702) 891-1111
Reservations: (800) 929-1111
Fax: (702) 891-3036


AIRLINE INFORMATION
Delta Air Lines offers special benefits for CUNA including discounts on fares and a person-to-person reservation service. To make reservations, call Delta Meeting Network reservations at 800-328-1111, Monday through Friday, 7:00 a.m. — 7:00 p.m. Central Time. Refer to File Meeting Code NM6P2.

Lending in Today's Market—Challenges & Opportunities (General Session)

• Explore what makes lending in 2010 unique
• Learn about the keys to capturing market share
• Establish how your credit union can balance the risks with desired returns

Regulations for the Mortgage Lender (Breakout Sessions)

• Discuss fair lending issues, Equal Credit Opportunity Act, Reg B, Fair Housing Act, and fair lending exams
• Review reporting requirements for the Home Mortgage Disclosure Act, including the addition of the new higher priced mortgage loan category
• Learn about truth in lending requirements, reviewing what constitutes a finance charge and rescission requirements
• Examine new changes for home equity lines of credit, new disclosure requirements for closed end mortgages, new advertising requirements and appraisal prohibitions, and the new higher priced mortgage loan requirements and restrictions
• Gain a better understanding of the revisions to the Real Estate Settlement Procedures Act, including the all-new good faith estimate and settlement statements, and transfer of servicing notices
• Discuss the new appraisal requirements - what exactly is the credit union supposed to be doing and when does your credit union need to comply with the home valuation code of conduct
• Learn about flood insurance requirements, including situations when you do not have to require flood insurance
• Take a look at special collection considerations, including protections under the Servicemembers Civil Relief Act

Consumer Lending Regulations for New Lenders (Breakout Sessions)

• Learn how to identify financial risks for your credit union while avoiding fines, penalties, and lawsuits
• Gain needed knowledge to understand and comply with the numerous lending regulations that impact the lending operation everyday including: Truth in Lending Act and Reg Z, The Equal Credit Opportunity Act – Reg B, Home Mortgage Disclosures Act – Reg C, Servicemembers Civil Relief Act, Fair Credit Reporting Act, Fair Debt Collection Practices, FACT Act, and the Credit CARD Act

Improving Interpersonal Communication Skills (Breakout Sessions)

• Understand and apply techniques of business interpersonal negotiation to get proven results
• Learn how to listen so people talk, and how to talk so people listen, increase your influence with these strategies
• Establish how to give and receive feedback that makes a difference
• Discuss how to deal with conflict and get problems resolved
• Recognize and deal with irrational conflict and when it is a "shark" attack
• Craft effective and professional e-mail messages

The Basics of Credit Reporting (Breakout Sessions)

• Gain a better understanding of the information found in a credit report and what would not be included in the report
• Discuss the role of credit reporting companies in the lending process
• Learn what laws regulate credit reporting
• Identify who can get a copy of your credit report and under what circumstances
• Explore common myths about credit reporting
• Discuss what a credit score is, how they are used, and how to improve credit scores

How to Work With Members Who Are in Financial Trouble (Breakout Sessions)

• Recognize when members are ready to discuss financial challenges
• Learn how to seek and get your members to open up to discuss the challenge
• Establish the four key areas to focus on a solution for members’ financial troubles
• Discuss the importance of a communication strategy that involves members
• Analyze how to turn successes and failures into training moments for lending staff
• Establish the do’s and don’ts when giving member feedback and learn to focus on the process not the person
• Explore methods that reach out to members who are in financial trouble

This school is beneficial for all lenders who want to meet today's competitive lending demands.

Affiliation with CUNA/League is required for attendance.

INSTRUCTORS

Tracy Jean Ashfield

Tracy founded Strategic Mortgage Solutions (SMS) in 2001, which she later merged into Prime Alliance Solutions, Inc., and served as executive vice president. Currently, Tracy is President of Ashfield and Associates, which helps credit unions with mortgage lending strategy, development, policies, product design, training and strategic planning.

In addition to working with credit unions and CUSOs, Tracy works with the NCUA and NASCUS to provide training and education in the area of residential mortgage lending. Tracy has helped the largest mortgage granting credit unions enhance their programs while helping those new to mortgage lending develop business strategies that have propelled them into efficient, profitable real estate lenders.

Tracy is the co-author of Credit Union Mortgage Strategies: The Best Never Rest and numerous other periodicals on credit union lending strategies.

Mary-Lou Heighes, CUCE

Mary-Lou has been involved in the credit union movement since 1989. She has been involved in all areas of credit union operations: general operations, marketing, collections, lending and compliance. She is a CUNA Certified Credit Union Compliance Expert (CUCE) and is president of Compliance Plus, Inc., which provides strategic planning, training, compliance and consulting services to credit unions. Mary-Lou was the senior research and information consultant for the California/Nevada Credit Union League for seven years and since founding her company in 2000, has provided training for credit unions and leagues around the country. Prior to her tenure at the league, she spent five years in the credit union trenches.

Woody Hodgdon, CUCE, BSACS

Woody is the founder of W & D Adventures, LLC and Regulations A-Z & More. He has been a national compliance presenter for more than 17 years and recently retired from Addison Avenue Federal Credit Union after 28 years. Woody was most recently the national compliance manager at Addison Avenue and was located in their Loveland, Colorado branch. He spent three years as an agent for CUNA Mutual in northern Colorado prior to starting his management career with credit unions. Woody has been involved in credit union management, operations, marketing and compliance issues for more than 30 years and has also held jobs as interim credit union manager, vice president of operations, branch manager, marketing manager, collection & compliance manager and senior loan officer.

Rory Rowland, CCUE

Rory is a business consultant and dynamic seminar leader specializing in programs on lending, technology, leadership, and communications skills. After serving as president of two credit unions and earning his CCUE, Rory began using his communications skills and specialized background in credit unions to help others in the movement be more effective.

Rory has presented his humoerous and high-energy programs in all 50 states over the past eight years, as well as in Canada and Mexico. Rory is continually one of the most highly rated speakers at state and national associations throughout the country, including many of the credit union leagues conferences throughout the country.

Rod Griffin

Rod is director of Public Education for Experian. He is responsible for Experian’s national consumer education program and supports the company’s community involvement and corporate responsibility efforts.

He produces a variety of consumer education materials and for more than a decade has written Ask Experian, an online consumer credit advice column, with Maxine Sweet, vice president of Public Education. On average, consumers today submit more than 2,000 questions to the column each month.

Rod speaks regularly at regional and national financial literacy events and supports various national consumer education initiatives including the LifeSmarts Consumer Knowledge Competition, for which he serves on the Corporate Advisory Board, and the Jumpstart Coalition for Financial Literacy with the goal of promoting financial education for America’s youth.

He partners with consumer organizations including Call For Action, the National Consumers League, the National Association of Consumer Agency Administrators, the Consumer Federation of America and many others to provide individuals with important credit and other financial information.

Rod also works closely with state attorneys general, offices of consumer affairs, and other government agencies to address consumer concerns and responds to inquiries from the media, consumer credit counselors, and educators to ensure they have accurate, up-to-date information about consumer credit and credit reporting.

CANCELLATIONS
The last day for cancellations was March 21, 2010. Substitutions are accepted anytime prior to the start of the program at no additional cost. Simply fax event and contact information, listing the new participant and who they will be replacing. Cancellation fees do not apply for free or complimentary programs.