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Most Common Violations - Lending
(Presented By: Mary Beth Guard and Andy Zavoina)
Many webinars focus on one particular issue. This webinar is broad. It is about common violations in lending and is a potpourri from regulation to regulation. Learn from your peers mistakes. This is the webinar you want if your compliance lending is going to be reviewed in the next year, internally or externally, if you want to know the common things to review when you audit or if you need a refresher on loan issues.
 |  | WEBINAR TIME:
11:30AM - 1:30PM PT
12:30PM - 2:30PM MT
1:30PM - 3:30PM CT
2:30PM - 4:30PM ET |  |  |  |
Can't Attend?
Order the CD-ROM, $269
Learning from someone else's mistake is always a good thing. When examiners are finding violations in one institution, they'll look for those same things in the next. Be an ending point and learn what is being criticized so that you can ensure these errors are not happening in your institution when you are examined. This leads to positive findings on your compliance report card.
We have read reports from the federal regulators and heard from countless bankers in emails, Guru Questions, the threads and telephone calls pertaining to "what do you know about this?" These situations can sneak up on a compliance officer and lender, especially when it is a new application of an old requirement.
We'll discuss everything from Regulation B to Z and provide you with a laundry list of issues others are having problems with. The chances are, you may be also. And finding these errors and correcting them is an integral part of any compliance program. It is a good feeling when the examiner asks about a certain scenario and you tell them "We saw some of that. You'll find it in my audit reports from 9 months ago. But we corrected that procedure and haven't seen an instance of it since." Your senior management and board will appreciate the comments as well. Getting the common violations out of the way early on leaves you to devote time to the other 9,999 things on your "to-do" list.
Here is a list of just part of what will be covered and each represents a common violation your peers didn't see coming either:
- Proper collection of monitoring information.
- What to do when monitoring information is not provided?
- Are privacy disclosures needed for a customer with just a loan?
- How do you disclose the payment schedule on a closed end loan?
- When are early disclosures required for a mortgage loan?
- Is this a finance charge?
- What is this about a Reg. AA cosigner notice?
- Does a holiday loan extension trigger a flood requirement?
- What goes on a Special Flood Hazard Determination form?
- And more.
Many webinars focus on one particular issue. This webinar is broad. It is about common violations in lending and is a potpourri from regulation to regulation. This is the webinar you want if your compliance lending is going to be reviewed in the next year, internally or externally, if you want to know the common things to review when you audit or if you need a refresher on loan issues.
About the speakers:
Mary Beth Guard has been teaching financial privacy to bankers since the early 1990s and has authored more than a hundred articles on private-related subjects. In addition, she has created privacy cheat sheets and matrices used by thousands of bankers nationwide. Currently serving as Executive Editor of BankersOnline.com, Mary Beth has had a long and distinguished career, focusing on the banking industry since 1984. Previously, Mary Beth served as EVP/General Counsel and COO for the Oklahoma Bankers Association and General Counsel for the Oklahoma State Banking Department.
Mr. Andy Zavoina, CRCM, is a consultant with the Glia Group, best known for its involvement with BankersOnline.com.
Andy has been in finance and banking for 22 years. Over 20 years were with a holding company with two Central Texas community banks that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. After starting in loan workouts, Mr. Zavoina has been a consumer, commercial and real estate lender and managed those departments as well as being the banks first Webmaster. He was responsible for compliance- management, -auditing, and -training for both banks.
Andy is a past Chairman of the American Bankers Association's Compliance Executive Committee. He was the 2003 recipient of the American Bankers Association's Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He currently serves on the Editorial Advisory Board for the ABA's Compliance Magazine, Compliance Action magazine, is a member of the ABA's Compliance School Board and is a BankersOnline Guru. He also served on the Texas Bankers Association's Compliance Committee.
More information...
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888.229.8872