Compliance Issues for Commercial Lending

Date Recorded: September 18, 2025
Presenter: Mark Burnside, CRCM, Director, Forvis Mazars, LLP

Commercial, business, and agricultural loans always present unique compliance concerns for financial institutions. Given that commercial loans tend to be negotiated and specific to each transaction, the process and the terms tend to vary widely, certainly much more than consumer transactions. Commercial loan officers also tend to equate compliance with consumer loans, which can result in overlooking compliance issues that apply to them.

While most federal regulations are geared toward consumer lending, there are numerous regulations that apply to commercial loans – including a few regulations considered consumer only! Even the phrase “federal consumer protection laws” suggests that the scope of such laws is limited solely to consumer products and services. However, many of these laws — including the Equal Credit Opportunity Act (ECOA), the Flood Disaster Protection Act (FDPA), and the Servicemembers Civil Relief Act (SCRA), among others — also apply to commercial lending.

The Compliance for Commercial Lending program will provide in-depth analysis and discussion regarding the compliance regulations that apply to commercial loans and the common issues and pitfalls that occur as a result.

Here’s What You’ll Learn:

• Consumer Regulations with Commercial Lending Implications
• Fair Lending
• ECOA/Regulation B
• FCRA
• HMDA
• CRA
• UDAP
• Flood Disaster Protection Act
• Loans to Insiders/ Regulation O
• Servicemember Civil Relief Act
• Protecting Tenants at Foreclosure
• BSA/OFAC / Beneficial Ownership
• Appraisals