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Cash Flow Analysis
Only cash can repay loans. To effectively conduct a complete credit analysis, the sources and uses of cash in the business must be understood. This seminar discusses the mechanics of constructing...
FCRA: Overview (Individual)
The Fair Credit Reporting Act (FCRA) became effective on April 25, 1971. The FCRA contains responsibilities both for entities that are consumer reporting agencies, for entities that procure and use...
Appraisal Standards (Individual)
Appraisals are an intricate part of the real estate lending process whether consumer or commercial. Whether the transaction requires an appraiser or uses an evaluation, the bank must ensure that...
Regulation B: Equal Credit Opportunity Act - Overview (Individual)
The Equal Credit Opportunity Act (ECOA), enacted through Regulation B, prohibits discrimination in credit transactions. The law is designed to protect applicants from unfair or discriminatory...