2026 HMDA Workshop

HMDA Workshop 
“What are you missing? How can you be better? “

The Home Mortgage Disclosure Act (HMDA) – Regulation C – remains one of the most complex and misunderstood regulations in the compliance world. With frequent updates and interpretive
nuances, it’s easy to make reporting mistakes that can lead to civil money penalties and examiner criticism.

INSTRUCTOR: 

Kristin Harville
Performance Solutions, Inc. 


This one-day HMDA Workshop is designed to help you gain a clear understanding of what is required, identify common problem areas, and strengthen your institution’s accuracy and confidence in reporting. Through discussion, examples, and case studies, you’ll learn how to interpret gray areas, validate your data, and avoid costly errors before your next exam.

Attendees will receive a Training Manual and a Resource Toolkit filled with forms, templates, and examples. You’ll also participate in case studies and real-world exercises designed to provide practical takeaways you can apply immediately at your bank.

Agenda Highlights:

• Understanding who and what HMDA applies to
• Categories of reportable data — property, loan type, and loan features
• Coverage rules: who collects and submits data, and when
• Identifying which loans are reportable
• What data is required and how to collect it accurately
• Tips for data validation and avoiding common mistakes
• Reporting Home Equity Lines of Credit (HELOCs)
• HMDA requirements for reverse mortgages
• Reporting rules for commercial loans secured by dwellings
• Clarification on temporary financing and refinances
• Understanding pre-approvals vs. pre-qualifications
• Proper reporting for mixed-use properties
• Fair Lending connections and red flags
• Best practices and examiner insights for stronger HMDA reporting

ABOUT THE INSTRUCTOR:
Kristin Harville is a Senior Consultant with PSI. As a former Compliance Director and Bank Examiner, she is a highly respected Certified Regulatory Compliance Manager (CRCM) and Certified AML and Fraud Professional (CAFP), with a Juris Master’s Degree in Law (Major in Financial Regulation). With over 20 years of regulatory experience in BSA/AML/CFT, Deposit and Lending Regulatory Compliance, Internal Audit, Compliance Risk Assessment, Compliance Training & Development, and Enterprise Risk Management. Her goal is to consistently provide practical "real world solutions" for today's compliance community. Kristin is a dedicated, results-oriented facilitator and consultant.