August 19, 2014 - HMDA - Coming Attractions
Presented by Jack Holzknecht
The Consumer Financial Protection Bureau (CFPB) has begun the process of revising Regulation C to reflect changes to HMDA made by the Dodd-Frank Act and to modernize the collection and reporting of HMDA data. Big changes are coming to those who are already covered by the regulation. The CFPB is also considering making the regulation applicable to all lenders that originate 25 or more covered loans per year.
August 20, 2014 - Safe Deposit Regulatory Compliance & Legal Issues
Presented by Dave McGuinn
Safe Deposit Box services have their own collection of laws and regulations that have to be complied with. From notice requirements under the PATRIOT Act to abandoned property requirements under state rules, this informative two-hour presentation will provide the information you need to help keep your institution on the path to compliance.
August 26, 2014 - Keeping Bank Secrets: Things you Can Go to Jail for Telling
Presented by Mary Beth Guard
Which requests for customer records can you not tell anyone about - including the customer? How far does SAR secrecy go? When does the customer get to know about Search Warrants? Is it wrong to reveal the customer's name popped up on the 314(a) list? Keeping customer information confidential is something all bankers learn from day one. What you don't necessarily learn, however, is that there are certain types of records and activities that are subject to strict specific prohibitions against disclosure. When those prohibitions are not observed, you, as a banker, can face criminal prosecution. This webinar provides a road map to how to safely navigate the federal statutes that carry criminal penalties for violations.
September 8, 2014 - Checkup for your RDC Program
Presented by Susan Orr
Remote Deposit Capture, or RDC, covers a lot of territory and continues to expand. RDC doesn't just refer to your merchant customers but now includes consumer mobile capture, ATM deposit capture, lockbox operations, and even your internal branch capture. How will your deployment of RDC stack up against the expectations of your examination team? Is your risk-analysis current? Have you included all your RDC applications? Have you kept up on any technology changes that can affect your service delivery or mitigate the risks involved? Are your controls robust enough to satisfy your management's risk tolerance and the scrutiny of examiners who have seen RDC deployed by scores of other financial institutions? Get the latest information on RDC best practices that can keep you in the good graces of both management and regulators in this webinar.
September 10, 2014 - Critical Issues on Certificates of Deposit
Presented by Deborah Crawford
Still put a piece of paper into a sleeve and give it to the customer and call it a CD? It might be old-fashioned but many institutions still handle nonnegotiable CDs and other time deposits much as they handled the negotiable instrument of days gone by. As we transition from the traditional certificates that are negotiable to the time deposit with a contract, what rules apply and which rules are no longer applicable? Let's look at the procedures which might not make sense anymore such as the use of Loss of CD affidavits. Today's procedures could mean that you need signatures of all parties and not just the individual opening the account. Old-school might not work in today's legal and regulatory environment. In this webinar, we look at CD rules, procedures and ownership issues that may need to be re-thought and revamped.
September 16, 2014 - S.A.F.E. Act - Auditing for Compliance
Presented by Patricia Cashman
After the initial flurry of activity from the initial Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) requirements, you might be tempted to push back the audit on this area. After all, don't you have enough to do with all of the fun created by Dodd-Frank? Hold on there! Auditing for SAFE Act compliance is an annual requirement.
September 22, 2014 - FinCEN's Beneficial Owners Proposal: What It Can Mean for You
Presented by Sonja Kriegsmann and John Burnett
FinCEN's proposal to beef up Customer Due Diligence requirements by requiring financial institutions to obtain and verify beneficial ownership information for entity new customers promises to complicate and prolong the new account process and to require significant updates to your policies and procedures documents. FinCEN claims it will level the playing field for all institutions. That can only mean that many banks will need to step up their efforts. If you're looking for an analysis of the proposed regulatory changes and the message behind FinCEN's prefatory information, or searching for ideas you can use in a comment on the proposal, join Sonja and John for this in-depth discussion.
September 23, 2014 - Bankruptcy 101
Presented by Sam Ott
Mistakes when one of your depositors or other debtors have started bankruptcy proceedings can be expensive, and risk court sanctions, too. So anyone at your institution who might take action to collect a debt from one of those customers needs to understand the basic provisions of the Bankruptcy Code. You can avoid tripping over those Code provisions by attending this informative webinar about your rights and obligations as creditors under the Bankruptcy Code.
September 24, 2014 - Using CPTED to Make Our Banks Safer
Presented by Dana Turner and Carol Dodgen
Crime Prevention Through Environmental Design (CPTED) is defined as the proper design and effective use of the build environment to deter crime. Applying this process can lead to a reduction in fear and the actual occurrence of crime. The presenters will discuss the principles of CPTED and how to apply these principles to make your institution more inviting to customers and less attractive to criminals. Using photographs and examples to illustrate, participants will examine both effective and ineffective uses of lighting and landscaping. Participants will gain an understanding of CPTED and how they can apply these tested methods to their facilities. Also included in this presentation are suggestions for cost-effective strategies for integrating the CPTED methods with the physical security review process.
September 30, 2014 - Revised Escrow Rules - Review and Update
Presented by Jack Holzknecht and Mary Beth Guard
The escrow rules for mortgage loans continue to expand. The escrow requirements in both RESPA (Regulation X) and Truth in Lending (Regulation Z) were expanded in January 2014. The rules in Regulation Z are expanding again in August 2015. This program covers all of the escrow rules - the long-standing requirements, the recently revised requirements, and the soon to be effective requirements.
October 7, 2014 - CRA - Digging for Credit
Presented by Patricia Cashman
Does it seem that all of the traditional sources for CRA credit are either overused or gone the way of the Dodo bird? This webinar will assist you in identifying new or overlooked sources that will assist in achieving a satisfactory rating while helping your financial institution to become a better neighbor. Safe housing for seniors; protecting veterans from crime; preventing foreclosures…these are just the beginning.
November 5, 2014 - Vault Burglaries, Floods, Fires & Other Disasters
Presented by Dave McGuinn
Damage to a bank's safe deposit vaults caused by a burglary, fire, flooding, tornado or other disaster can create not only major logistical problems, but also potentially huge legal liability. But there are measures your bank can take that can limit its financial exposure to such events. Attend this important two-hour presentation to get key information you can use to mitigate the post-disaster exposure of your safe deposit operations.