Consumer Lending Virtual Course

9 a.m. to Noon Tuesday, Aug. 25
9 a.m. to Noon Wednesday, Aug. 26

4 Ways to Register

Online Registration

Phone 573-636-8151
  Fax Registration
Fax 573-634-2754
  Mail Registrations
Mail to:
PO Box 57
Jefferson City, MO
Print brochure.


This two half-day course is designed to prepare consumer lenders to meet two primary challenges. The first challenge is to originate loans to qualified consumer and residential borrowers and minimize collection problems and loan losses. The second challenge is to be in compliance at all times with ever-changing fair lending regulations.

Day One - Consumer Loan Origination

Discussion Topics 

  • define consumer lending
  • review consumer, personal and household loan purposes
  • discuss the concept of gathering “complete” information from applicants
  • review the steps in evaluating the applicant credit information
  • making the “best” loan decision
  • review the basics of consumer loan documentation
  • discuss consumer loan collection Issues
  • review the following federal and state lending regulations:
    • Equal Credit Opportunity Act as implemented by Regulation B
    • Regulation P (privacy)
    • Truth-in-Lending Act as implemented by Regulation Z
      • Right of Rescission
      • Home Owner’s Equity Protection Act
      • APR Disclosure
    • The Fair Credit Reporting Act
    • USA PATRIOT Act - Customer Identification Program Requirements

Day Two - Residential Origination

Discussion Topics 

  • review of basic residential loan products
  • discuss the uniform residential loan application
  • evaluating residential loan application information
  • surveys, title commitments and final title policies
  • basic appraisal and evaluation compliance requirements
  • residential loan documentation (note, disclosure and deed of trust/mortgage)
  • Fair Lending Regulations
    • Equal Credit Opportunity Act, Regulation B
      • Definition of Appraisal
      • Notice of the Right to Receive a Copy of an Appraisal
    • Fair Housing Act
    • TILA-RESPA Disclosures
    • Home Mortgage Disclosure Act
    • Flood Disaster Protection Act
    • appraisals and evaluations

Who Should Attend

Community bankers and lenders who participate in their bank’s consumer loan origination process will benefit from this program, as well as newly appointed loan officers and members of the bank’s credit administration and loan processing areas.


John Cochran
Cochran Associates LLC

In his banking career that spans 40 years, John Cochran has served in various lending and senior management positions, including president and CEO of a community bank. John established Cochran Associates LLC in 2000 to provide bank training and consulting services. To date, he has presented lending seminars for many state bank associations and annually participates in several commercial lending schools as a principal instructor or sole presenter. John also has served on the faculty of the Pacific Coast Banking School where he presented a series of lectures on credit risk management.

For More Information

Contact the MBA Education Department at 573-636-8151 or email.

Registration Fees

  • MBA Member - $495 per person
  • Each Additional - $425 per person
  • Nonmember Fee - $1980 per person
Note: MBA will issue an invoice based on initial registrations from a bank. Following the online seminar, we will review the attendee list and if additional bank employees attend, we will send a second invoice based on the above pricing to reconcile the difference.


8:45 a.m. Sign In
9 a.m.  Seminar Begins 
Noon Adjournment 


Full refunds will be granted for cancellations received by MBA at least five days before the seminar date. After that date, an administrative fee of $10 per canceled registration will be retained. Cancellations will not be accepted two days before the seminar. Substitutions are always permitted.

CPE Continuing Education

CPE will be granted to registered attendees upon request.
Specialized Knowledge – 7 credits (attendance both days)
Instructional Delivery Method: Group Live presented online due to COVID-19
Prerequisites: Basic knowledge of bank lending practices.
Program Level: Basic
Advanced Preparation: None

Webinar Instructions

This webinar will be presented through the virtual platform. We recommend that you join us via computer a PC, Mac, iPad, iPhone or Android device. You will receive a confirmation email two days before the webinar with login information.