Events Calendar

Webinar: Top 10 Issues for the 2019 HMDA Report: Due March 1, 2020
Thursday, January 09, 2020, 03:00pm - 04:30pm

Learn the top 10 HMDA challenges and gain valuable tools for submitting your 2019 HMDA data.


  • Confidently submit the 2019 data with improved data integrity
  • Effectively use the HMDA resources in the CFPB’s 2019 FIG
  • Define several confusing issues, such as the definition of a dwelling, mixed-use property scenarios, and complex demographic information collection
  • Explain how to handle quality edits
  • Understand clarifications for complicated data points


HMDA reporting continues to be a challenge for many financial institutions – and is potentially expensive. One of the 10 largest HMDA lenders was fined $1.75 million on June 5, 2019, for filing multiple years of inaccurate reporting. This fast-paced webinar will cover the top 10 HMDA challenges and provide valuable tools, so you can confidently submit your 2019 HMDA data by March 1, 2020. The materials will include citations, tips, and real-life examples, and illustrate the roots of reporting errors.


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


  • HMDA worksheets and flowchart, including updated resources from the CFPB
  • Lists of data fields for each data point
  • Step-by-step data collection definitions and tips to avoid mistakes
  • HMDA compliance resources, including submission checklists and fair lending considerations
  • Employee training log
  • Interactive quiz

SPEAKER:  Susan Costonis, Compliance Consulting and Training for Financial Institutions

Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training. Most of her 35-year career was spent as a banker in several areas including lending, loan administration, electronic banking, and compliance risk management.

Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real-life examples.