This event is hosted by Patty Joyner of Financial Solutions, a frequent presenter for the American Bankers Association where she serves as a faculty member of its prestigious Stonier Graduate School of Banking, National, Intermediate and Graduate Compliance Schools and frequent presenter at ABA’s highly effective in-bank compliance schools for larger financial institutions. Additionally, Patti […]
Program Overview As executive orders and legal challenges reshape the Diversity, Equity, and Inclusion (DEI) landscape, companies are adapting their strategies to remain compliant while maintaining inclusive workplaces. How can organizations integrate DEI principles into broader business operations, ensure employee engagement, and evolve terminology to create a “Welcoming, Winning, World-Class Workplace”? Join us for an […]
This event is facilitated by Patty Joyner of Financial Solutions, a frequent presenter for the American Bankers Association where she serves as a faculty member of its prestigious Stonier Graduate School of Banking, National, Intermediate and Graduate Compliance Schools and frequent presenter at ABA’s highly effective in-bank compliance schools for larger financial institutions. Additionally, Patti […]
We tend to think of commercial loans as being free of troublesome compliance requirements, but that simply is not accurate. This webinar will present and explain a checklist for commercial loans. Several compliance-related laws apply to commercial loans as well as consumer loans. This colorful checklist, patterned after the popular Best-Ever Consumer Checklists, will guide […]
Many head tellers are teaching the next generation of tellers who will go on to manage our financial institutions in the future. You will learn the importance of cash handling, the legal issues behind checks, how to place holds, and many security and fraud procedures. Learn how to stay in compliance, minimize fraud and help […]
Institutions must be familiar with the standard means for compliance and the risk management process, as well as what is important today in this dynamic regulatory environment. Technical compliance is no longer the only issue to be concerned about, as UDAP/UDAAP can found even though every “normal” compliance requirement may have been strictly followed. In […]
Federal fair lending enforcement actions against financial institutions continue to poise huge risks to any intuition, regardless of size or complexity. In this session, you’ll review the key elements of an effective fair lending program, gain tactical tips for maintaining compliance, and learn to avoid common challenge areas that leave your institution open to unnecessary […]
Let’s get down to the basics. We will cover requirements, guidelines, and rules for lending. All information in the webinar will be clearly documented in a colorful and user-friendly handbook. This is a wonderful resource that lenders, loan processors, and compliance officers will refer to time and time again. In addition to providing compliance summaries, […]
Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task. This series includes bi-monthly (6), two-hour webinars focused on the most recent changes to the compliance landscape. Carl Pry, a well-known and highly respected compliance expert and recipient of the 2015 ABA […]
In this day and age of UDAP/UDAAP, it’s clear that how you say what you say in your advertisements is just as important as what you say. Style matters. You must be clear and conspicuous in your wording so as not to confuse and deceive.
This program has been lauded by attendees as an effective, interactive, and fun way to learn about compliance. The Alumni Session with TCA Compliance is for attendees with an intermediate or advanced knowledge of deposit and lending regulations.
An overview of the RTP® Network and its compliance requirements
Step-by-step guidance on preparing for and conducting a RTP® self-audit
Best practices for identifying and mitigating compliance risks within your RTP® policies and procedures
Insights and elaboration on key audit areas, including transaction monitoring, data security, and regulatory adherence
Strategies for continuous improvement and maintaining compliance in a dynamic payment environment
Understand the regulatory requirements impacting your mobile banking services, including Reg Z, Reg CC, Reg DD, and UDAAP
Utilize provided tools to assess risks associated with electronic banking
Discuss ADA applicability to mobile banking services
Review best practices for implementing and updating mobile banking products
The GENIUS Act and key legal takeaways
How banks can legally issue or support stablecoins
What this means for payments, compliance, and innovation
Understanding your institution’s responsibilities under the Uniform Unclaimed Property Act
Defining key terms of dormancy, unclaimed property, abandoned property and escheatment.
Obtaining filing information from your state
Documenting communication efforts with dormant accountholders
Managing your dormant/unclaimed funds compliance program to avoid or prepare for a state audit
Reviewing fines and penalties for non-compliance
The scope of Section 1071 and its impact on your institution
How the lawsuits have impacted implementation
Actionable steps for implementing the new rules as efficiently as possible within your institution
The required data fields and find out how to begin collecting them
How to identify additional resources that may be required to achieve compliance, including budgeting, staffing, tools & training
Strategies for what you should be doing now
How to communicate the impact of Section 1071 on the institution to the board, senior management, and commercial lending teams
How to establish a proactive plan to acclimate employees and customers to changes in the lending process
Potential BSA changes – CTR thresholds and more
BSA FAQs: anything new?
OCC and FDIC standardization of MRAsStatus of “debanking”
Fed supervisory ratings change
Regulators: “pragmatic approach” to regulation and supervision
AI: Banks should “raise their game”
District Court enjoins 1033 enforcement
CFPB withdrawal of FCRA interpretive rule, and clarifies federal preemption of state laws
State of the CFPB: staffing and funding
CFPB rescissions: nonbank registry rule, adjudication process, nonbank form contracts
Reputation risk elimination by agencies
Rescission of climate risk principles for large organizations
OCC proposes to rescind recovery guidance
Review Basic “business” structure: C Corporations to LLC’s
Explore the 6 Elements of Loan Structure: Loan Purpose, Sources of Repayment, Adequate Amount, Appropriate Term, Adequate Support, Framework for Monitoring
Summarize the 4 Elements of Loan Support: Collateral, Guaranties, Business Loan Agreements, Subordination Agreements
Highlight “commercial” loan documentation issues including promissory notes, security agreements, and guaranties along with the use of the BSA Loan Rating, Collateral Rating, and C&I Borrower Rating Matrixes
Discuss Loan Pricing and Monitoring Issues
Review current compliance issues: Equal Credit Opportunity Act (Reg B), Bank Secrecy Act (BSA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act, and UCC Article 9
Analyze comprehensive Loan Structure/Documentation/Compliance Case Study
The multitude of IRS resources available online, and where to find them (as well as how to read them)
Taxpayer Identification Numbers – soliciting them, reporting issues, mismatches from the IRS and what to do (includes truncation options)
Backup withholding – “B” notices: what to do and when
1099 reporting – its many and various forms, from interest and dividend income, abandoned and foreclosed property, IRA distributions, debt cancellation, and miscellaneous reporting
1099-C Discharge of Debt rules
1098s – what amount is reportable here? How about points? What is a qualifying mortgage?
IRA reporting – 5498s and the 1099-R (including a new requirement)
Timing requirements for the various forms
Penalties for noncompliance and failure to file
Changes in reporting requirements for tax year 2021
The Foreign Account Tax Compliance Act (FATCA) – what it is and what you have to do about it
Included Self-Paced Courses
Regulation X (Real Estate Settlement Procedures Act): Delve into the procedures and disclosures required in consumer real estate transactions.
Flood Insurance Provisions: Learn about the requirements when structures are taken as collateral for mortgage loans, including required flood insurance provisions.
Appraisal Regulations: Explore the various requirements when real estate is taken as collateral for a loan, including definitions, selection criteria, and program requirements.
SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act): Learn about the registration requirements of mortgage originators who are involved in the making of consumer mortgage loans.