AI compliance clarity, reduced risk, stronger defensible decisions.
AI-driven underwriting, credit reporting, and account management systems are rapidly being integrated into core financial operations. However, many organizations are relying on automated outputs without fully understanding how these systems are evaluated under existing legal standards. This disconnect creates significant risk--ranging from compliance gaps and flawed credit decisions to documentation deficiencies and increased exposure to regulatory scrutiny and litigation. This course delivers a practical, legally grounded framework that translates AI and automation into established compliance and risk management standards. Attendees will learn how to evaluate automated decisioning systems through the lens of accuracy, reasonable procedures, and defensible documentation, while identifying where breakdowns occur in real-world workflows. By aligning regulatory expectations with underwriting, credit analysis, and operational processes, participants will leave equipped to strengthen internal controls, improve decision quality, and confidently manage AI-driven systems in a manner that protects both performance and compliance.
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Why Lorman?
Over 39 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Agenda
The Regulatory Backdrop
- CFPB Guidance Confirming No AI Exemption Under Existing Law
- Joint Interagency Enforcement Posture on Automated Systems
- Why 2026 Represents a Turning Point for Compliance and Risk Management
FCRA Framework Applied to AI Systems
- Accuracy and Reinvestigation Obligations in Automated Environments
- Furnisher Responsibilities When Algorithmic Systems Generate Reportable Data
- Interpreting Reasonable Procedures in Model-Driven Decisioning
FDCPA Considerations in Automated Communications
- Ai-Generated Consumer Communications and Disclosure Risks
- Misrepresentation and Validation Concerns at Scale
- Communication Timing, Frequency, and Automation-Related Compliance Failures
Exposure Points and Case-Based Scenarios
- Data Integrity Failures Upstream of Credit Reporting
- Systemic Reporting Errors Resulting From Model Outputs
- Insufficient Human Oversight in Automated Workflows
- How Automation Transforms Routine Errors Into Actionable Violations
- Where Liability Attaches Across CRAs, Furnishers, and Service Providers
Risk Mitigation and Best Practices
- Internal Controls and Defensible Documentation Standards
- Human Review Integration and Escalation Checkpoints
- Building a Compliance Framework That Withstands Regulatory and Litigation Scrutiny
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Credit
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Why Lorman?
Over 39 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Credits
OnDemand Course
This course was last revised on June 16, 2026.
Call 1-866-352-9540 for further credit information.
- AR CLE 1.0
- This course has been approved for 1.0 hour(s) of CLE by the Arkansas CLE Board.
- Arizona CLE 1.0
- The Arizona State Bar does not pre-approve or pre-certify MCLE programs. However, records of this program and attendance will be maintained by Lorman Education Services/Noggin Guru for auditing purposes. This activity may qualify for up to 1.0 hour(s) toward your annual CLE requirement for the State Bar of Arizona.
- CA MCLE 1.0
- Lorman Education Services/Noggin Guru is a State Bar of California approved MCLE sponsor and this course qualifies for 1.0 CLE hour(s) of participatory credit.
- CT CLE 1.0
- Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. This course has been approved for CLE credit in jurisdictions aside from CT and therefore it automatically meets the content and delivery requirements in Connecticut. Credit is based on a 60 minute credit hour and shall be awarded as follows: 1.0 CLE credit(s).
- GA CLE 1.0
- This program has been approved by the Georgia Commission on Continuing Lawyer Competency for 1.0 CLE hour(s).
- HI CLE 1.0
- This program was approved by the Hawaii State Board of Continuing Legal Education for 1.0 CLE credit hour(s).
- MO CLE 1.2
- This course qualifies for self-study CLE credit in Missouri.
- NH MCLE 1.0
- NH MCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. Lorman Education Services/Noggin Guru believes this Ondemand course meets the requirement of NH Supreme Court Rule 53 and may qualify for CLE credit(s). Program Length: 60 Minutes.
- NJ CLE 1.2
- This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 1.2 hour(s) of total CLE credit.
- PA CLE 1.0
- This Distance Learning program has been approved by the Pennsylvania Continuing Legal Education Board for 1.0 hour(s) of substantive law, practice and procedure CLE credit.
- VT CLE 1.0
- This self-study program has been approved by the Mandatory Continuing Legal Education Board of Vermont for 1.0 hour(s) of CLE credit. Please note: Attorneys may only claim 12 credits per compliance period in this format. This course is considered "Non-Moderated Programming without Interactivity".
- WI CLE 1.0
- This program qualifies for 1.0 hour(s) of ondemand CLE through the WI Board of Bar Examiners.
- WV MCLE 1.2
- This program has been approved by the West Virginia State Bar MCLE Commission for 1.2 MCLE hour(s).
To earn each credit Lorman offers through the OnDemand learning platform, you need to watch 100% of the program. Also, for certain credits you will need to fulfill additional requirements which will be displayed on the "credits" tab when viewing the course.
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
MP3 Download
- Arizona CLE 1.0
- CA MCLE 1.0
- CT CLE 1.0
- HI CLE 1.0
- VT CLE 1.0
- WV MCLE 1.3
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
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Credit
More Program Information
Why Lorman?
Over 39 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Faculty
Tim Sanders
Credit Repair of Florida
Timothy Sanders
- Founder and president of Credit Repair of Florida
- NACSO Certified Credit Specialist
- Published author of Understanding Your Credit Score
- Seminar speaker and Freddie Mac CreditSmart certified trainer
- Member of the National Association of Credit Service Organizations, National Association of Realtors, Mortgage Bankers Association, National Association of Real Estate Brokers, and UF/IFAS Extension Advisory Committee
- B.A. Degree, University of Central Florida
- Can be contacted at [email protected] or 407-734-3426
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Credit
More Program Information
Why Lorman?
Over 39 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
All of your training, right here at Lorman.
Pay once and get a full year of unlimited training in any format, any time!
- OnDemand Courses
- Live Webinars
- MP3 Downloads
- Course Manuals
- Executive Reports
- White Papers and Articles
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- State Specific Credit Tracker
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Questions? Call 877-296-2169 to speak with a real person.
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