March 4, 2015 - The SCRA and Military Lending Act - They ARE a big deal.
Presented by Andy Zavoina
For practical purposes servicemembers and their dependents form a protected class in their dealings with your bank. Many banks don't believe this law applies to them because they don't have many military customers. It does apply. The Servicemembers Civil Relief Act and the Military Lending Act include extraordinary protections for this group, and mistakes on your part can be costly and earn your financial institution unwanted publicity. Proposed changes to Military Lending Act regulations will make compliance an even bigger challenge! Headlines continue to report fines and court cases involving lenders and others who don't follow the rules. This information-packed webinar will provide information you can use to help keep your institution out of trouble. Learn more.
March 18, 2015 - Regulation O - Lending to Insiders
Presented by Jack Holzknecht
Congress enacted the Financial Institutions Regulatory and Interest Control Act in 1978. The insider lending provisions of the law were implemented as Regulation O. Examiners frequently cite violations of Regulation O during examinations. Examiners take very seriously their mission to prevent insider abuse. Learn more.
March 24, 2015 - Maze of Debit Card Compliance
Presented by Brian Crow
"I didn't know that Reg applied to debit cards, too!" Managing a compliant debit card program is no small task for a financial professional in today's regulatory environment. Even experienced compliance professionals who know the route through the maze may find a dead end in the form of recent changes to VISA/MasterCard rules on Zero Liability and cash advances. Regulators have tucked rules governing debit, gift, and payroll cards into several different regulations. An associate familiar with deposit compliance may miss obligations found in predominately loan related Regs. Institutions that have misinterpreted what a regulation says have found themselves facing hefty civil money penalties and UDAAP citations. Join Brian Crow as he leads you through the maze of regulations to the cheese at the end, a compliant card program. Learn more.
March 25, 2015 - Appraisals and Evaluations: Performing Internal Compliance Reviews
Presented by Eric Collinsworth
This webinar will focus on the key points that banks need to be aware of relating to reviewing appraisals and evaluations for minimum compliance with the regulatory guidelines as well as the most recent revisions to USPAP. This will include an in-depth analysis and discussion of the requirements of USPAP Rules and Standards 1 & 2, as well as what to look for in any valuation report for compliance with the Interagency Guidelines for Appraisals and Evaluations. Learn more.
March 30, 2015 - Cybersecurity: Third Party Resilience - What the FFIEC Wants You to Know
Presented by Susan Orr
Cybersecurity is an enterprise-wide issue for financial institutions, and the FFIEC has it on their radar. One key area of focus during IT examinations will be Cybersecurity Preparedness, which extends to Outsourced Third Party Risk Management, Incident Response, Business Continuity, and Disaster Recovery. On February 6, 2015, the FFIEC released an update to the Business Continuity Planning Handbook adding Appendix J: Strengthening the Resilience of Outsourced Technology Services. The update includes guidance on Third Party Management, Third Party Capacity, Testing with Third-Party Technology Service Providers, and Cyber Resilience. Learn more.
April 2, 2015 - Fair Lending Hot Topics - Don't Get Burned!!
Presented by Patricia Cashman
Can you feel the heat? Fair Lending has been moved up to the "front-burner". CFPB's Director Richard Cordray stated in his cover remarks for the 2014 Fair Lending Report that "…we are working to remove the unnecessary obstacles too many Americans face in the consumer financial marketplace. This includes ferreting out discrimination in credit markets, including the markets for home mortgages and auto lending." Failing to take proactive steps to pump-up your fair lending program might result in a serious burn. Learn more.
April 7, 2015 - Building a BSA Training Program
Presented by Deborah Crawford
Is orange the new black? Not in our plan.
One of the four pillars of BSA is training. How much training is enough? What does the FFIEC BSA AML Examination manual say we should or shouldn't do? How often does the Board have to be trained? What has to be in frontline training? Who should be trained on BSA? Is online training enough? You have questions and we have the answers. Learn more.
April 8, 2015 - Advertising Compliance
Presented by David Dickinson
In this webinar, we will focus on complying with the advertising requirements in the regulations noted below. We will also address how advertisements can cross the line between "luring" someone and not deceiving them (UDAAP). Included will be examples of what you can say, can't say, when to say it, etc. Several real life examples of advertising errors will also be shared. Learn more.
April 16, 2015 - Loan Servicing Requirements for Small Servicers
Presented by John Burnett
Mortgage loan servicing requirements have been in effect since January 10, 2014. Small servicers enjoy exemptions from some of those requirements, but not all of them. To make sure your institution qualifies for the exemptions and to understand which requirements it still has to comply with as a small servicer, join John for his informative presentation of "Loan Servicing Requirements for Small Servicers." Learn more.
May 14, 2015 - Keeping My Stuff Safe - Technological Advances to Improve Security - What's Available
Presented by Susan Orr
The technology age has brought a plethora of products and services that have changed how we live, work, and play. We can do just about everything without ever leaving our homes. Personally we can buy groceries, do our banking, and buy just about any product you can imagine. Technology advances have also combined the multiple devices we have grown to love and just can't be without like smart phones, blackberries, MP3 players, iPads, and tablets. When it comes to electronic data, over 90% of all a companies assets are created, stored, processed, and transmitted electronically. From a banking perspective, banks have become the leader in implementing technology. Unfortunately, all these advances have come with a price and the need for security, and monitoring is imperative. Fortunately, there are also technology advances that help protect information, and keep my stuff safe. Learn more.
August 5, 2015 - HMDA - Beyond the Input
Presented by Patricia Cashman
Submission of the 2011 HMDA LAR is but a distant memory. Nothing HMDA-related to think about until the Disclosure and Aggregate Reports are available later this summer. Right? WRONG!!!! There are a myriad of reasons for looking over your HMDA data now! Fair lending; Marketing; Cross-selling; Expansion. These are just some of the gems waiting to be discovered within your HMDA LAR. Learn more.