CRA FREQUENTLY ASKED QUESTIONS
Thursday, September 11, 2008 - 2:30 to 4:30 p.m. ET
Speaker: Jack Holzknecht - Pegasus Educational Services, LLC

When we conduct webinars on the Community Reinvestment Act we are always inundated with questions. And we have conducted quite a few programs on various aspects of CRA over the years. We have "mined" those previous programs to develop a list of frequently asked questions. The questions cover all aspects of the law and regulations - coverage, definitions, assessment area delineation, lending test, investment test, service test, public file contents, and data collection, reporting and disclosure. And we have scheduled plenty of time for your new questions during the program.

Why Participate?
The program provides a thorough review of CRA and the implementing regulations. Participants receive a detailed manual that serves as a handbook long after the program is completed.

Program Highlights
Frequently Asked Questions include, but definitely are not limited to:
v What are the definitions of large, small and intermediate -small banks, and what are the differences between the three types?
v What are the cut points for low, moderate, middle and upper income?
v What are the rules for delineating an assessment area?
v Why CD activities are important?
v What qualifies as a CD activity?
v What is the CRA Performance Context and how is it used?
v What must be included in a CRA Public file?
v How do we decide which examination option we should choose?
v What lending practices are considered "innovative and flexible?"
v What is a reasonable loan-to-deposit ratio?

Who Should Attend
The program is designed for loan originators, loan officers, lending department management, compliance officers and auditors.

Meet the Speaker
Jack Holzknecht, a principal with Pegasus Educational Services, LLC, has provided training to thousands of bankers and examiners for 25 years. Jack’s career began as a federal bank examiner. He has been an instructor at compliance schools presented by the Kentucky, Pennsylvania, New York and Texas bankers associations. He also developed and delivered training for the FDIC and OTS.

Registration Fee
$260 per event, per location