Adverse Action Notices: More Than Just A Notice

Date Recorded: November 25, 2025
Presenter: Ginger McCullough, CRCM, Director, Forvis Mazars, LLP.

Adverse action processing is a part of our daily operations, so why is it that we still struggle with all getting our file documentation accurate? Incorrectly handling our files that don’t originate can create examinations issues, HMDA data integrity errors, and more importantly fair lending red flags. Accurate file documentation is important to ensure we don’t get caught in the cross hairs of regulators for false positive disparities in our data and documentation.

This webinar will discuss not only the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA) regulatory requirements but will also discuss the risks associated with getting it wrong.

HERE IS WHAT YOU WILL LEARN: 

• When to identify the receipt of an application.
• What denial reasons to use in various scenarios.
• Common errors in processing adverse action files.
• How to stay in compliance with the timing requirements for processing applications and the fair lending implications if you don’t.
• The importance of conducing a second-level review of adverse action files for fair lending.

FORMAT/INSTRUCTIONAL METHOD: GROUP INTEREST BASED
An online presentation and any additional supplemental materials, as applicable, will serve as the basis. You can stream the audio through your computer or dial-in using a telephone number/PIN. Ample time will be dedicated to taking questions from attendees. Be sure to submit your questions during the webinar, as we are unable to offer telephone or email support after the presentation.