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Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.

Carl Pry, a well known and highly respected compliance expert and recipient of the 2015 ABA Distinguished Service Award will be presenting a quarterly update that will address new items to be aware of, deadlines and what’s on the horizon. In a simple language webinar format that you can view from your office, Carl will make sure you have the information you need to keep your financial institution in compliance.

Attendees love the handouts that Carl provides each quarter including links to all relevant source documents and resources.

The “Quarterly Compliance Briefing: Winter 2021” webinar has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. Certification holders must report these credits at https://aba.csod.com.

Covered Topics
Covered topics coming soon.

This is Part IV of a four-part series. You can attend all the sessions to obtain the most comprehensive information or any part in the series independently.

Who Should Attend?
Anyone in the institution having compliance responsibilities – when you think about this, it could be just about anyone in the institution. This may include members of senior management, operations personnel, lending personnel, underwriters, customer service representatives, back-room personnel, and of course compliance officers, auditors, and attorneys, and anyone else in the institution that might benefit from this valuable information.

Presenter
Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor’s and master’s degrees from Louisiana State University. She has 30+ years of combined teaching and banking experience.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

“Oh what a tangled web we weave”… Walter Scott was referring to the web woven by people who intend to deceive others. The CFPB has created a “tangled web” while crafting regulations intended to prevent deception. This webinar will help you untangle the intricacies of numerous fee disclosure requirements.

The proper disclosure of fees on consumer loan transactions has always been complicated, take for example the multi-page calculation of a finance charge in §1026.4. Fee disclosure has become more complicated over the past few years with the addition and revisions of rules for:

High-Cost Mortgages;
Truth in Lending Act/Real Estate Settlement Procedures Act Integrated Disclosures (TRID);
Ability to Repay/Qualified Mortgage Rules;
Home Mortgage Disclosure Act/Regulation C; and
The Military Annual Percentage Rate.

This program explains:

Which fees are included in or excluded from the:
Finance charge, per §1026.4 – The finance charge is a critical component in the calculation of the APR. Regulation Z provides a list of fees that are included in the finance charge and a list of fees that may be excluded, if certain conditions are met. Violations often occur when a fee is excluded from the finance charge but all of the conditions for the exclusion have not been met.
Annual Percentage Rate (APR), per §1026.22 – The APR is based on the finance charge. Violations frequently occur when the finance charge is not properly calculated.
Total Points and Fees, per §1026.32 – Jack has declared this number as “the most important number in the world of compliance.” It is used to determine coverage for Section 32 rules, it is disclosed in a Section 32 disclosure and on the HMDA LAR, and it is used to determine QM status under Section 43. A single miscalculation can result in multiple violations.
Military Annual Percentage Rate (MAPR), per the Department of Defense’s §232 – Disclosure of the MAPR has been required since October 2007, but as a result of the limited scope of the rule most lenders have not needed to disclose the number. As a result of revisions to Part 232, effective October 3, 2016, the scope of the rule is dramatically expanded and most lenders will need to disclose the number. Although the calculation of the MAPR is similar to the calculation of an APR, differences generally result in a much higher number.
The TRID Tolerance rules contained in §1026.19;
The proper disclosure of fees on the Loan Estimate and Closing Disclosure, per §1026.37 and .38; and
How some of these numbers impact a HMDA disclosure.
Please note that the program materials include a list of examples of specific fees outlined in the regulation.

The “Untangling the Web of Fee Disclosures” webinar has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. Certification holders must report these credits at https://aba.csod.com.

Covered Topics
A violation of the finance charge rules contained in §1026.4 may also cause a violation of the disclosure requirements in §1026.18 or §1026.38 since the finance charge is included in those disclosures;
Improper categorization of fees on the TRID disclosures contained in §1026.37 and .38 may result in a violation of the tolerance rules contained in §1026.19;
Failure to follow the APR calculation rules contained in §1026.22 may result in:
The incorrect APR appearing in the disclosures contained in §1026.18, §1026.32, §1026.37 or §1026.38;
Inadvertently triggering coverage of §1026.32;
An inaccurate calculation of the rate spread disclosed on the HMDA LAR and used to determine the applicability of the high-cost mortgage loan rules contained in §1026.32 and the higher-priced mortgage loan rules contained in §1026.35; or
The incorrect disclosure of the HOEPA status disclosed on the HMDA LAR;
An inaccurate determination of the higher-priced covered transaction status of a loan for purpose of determining which a transaction achieves safe harbor or presumption of compliance status for the ability to repay rules in Section 1026.43;
Failure to properly calculate the total points and fees as prescribed by the high-cost mortgage loan rules contained in §1026.32 can:
Inadvertently trigger §1026.32 coverage;
Violate the disclosure rules contained in §1026.32;
Result in an incorrect entry on the HMDA LAR; and
Blow the Qualified Mortgage status for purposes of §1026. 43; or
Failure to follow TRID rules contained in §1026.38 may result in the incorrect disclosure of the total of all itemized amounts that are designated borrower-paid at or before closing on HMDA LAR.

Who Should Attend?
This program is designed for everyone involved in the origination and management of consumer credit (including mortgage loans), including lenders, the compliance staff and auditors.

Presenter
Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 45 years. In 40 years as a trainer over 150,000 bankers (and many examiners) have participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he developed loan and deposit form systems and software. He also developed and presented training programs to bankers in 43 states. Jack has been an instructor at compliance schools presented by a number of state bankers associations. As a contractor he developed and delivered compliance training for the FDIC for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

Available Upgrades:

12 Months OnDemand Playback  $110
12 Months OnDemand Playback + CD $140
Additional Live Access $75 per person

 

We will cover all the 2021 changes to deposit accounts and recap what needs to be done this year.

We will also look at the status of pending legislation and continuing challenges facing the deposit side of the financial institution. Regulation D, E, CC, DD and the hot topics that surround these regulations. What are the new supervisory issues, FDIC insurance issues, exam hot spots and everything that deposit compliance officers need to do their jobs in 2021. This catch-all program will be helpful to make sure we have not missed anything so far in 2021. Checklists and summaries will help you manage these complex areas affecting our customers.

Covered Topics
Savings Account
Regulation CC
FFIEC BSA Exam Manual Changes
CTR Changes delayed but still worth looking at
SECURE ACT and CARES Act on IRAs
Nonresident alien interest reporting rules
Safe Banking Act and the Illicit Cash Act–Status
Overdraft Programs
Sweep Accounts
UDAAP
2021 Sanctions and lessons learned
Marijuana Update
Handling time deposits—renewals, partial withdrawals
Who needs a NOW account when we have interest-bearing DDA
Error Resolution
Deceased Accounts
Tax reporting, B Notices and penalties
And So much more

Who Should Attend?
This program is designed for deposit operations, deposit compliance, branch administration, bookkeeping, account services and those who run the operations side of the bank.

Presenter
Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor’s and master’s degrees from Louisiana State University. She has 30+ years of combined teaching and banking experience.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

Your year end BSA wrap up will feature all areas of interest for BSA Officers as we close out one year and begin another.

What is new and what is pending? This program will bring 2021 into focus for those of you managing BSA and all its parts.

Covered Topics
Beneficial Ownership Update
Crimes in 2021 and Advisories
SAR Decision Making
CTR changes pending
Wrapping up the year
Risk Assessments, Audits and Training
Online account opening verification procedures
Who Should Attend?
BSA Officers, BSA Staff, Deposit Operations, Compliance and Branch Staff.

Presenter
Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor’s and master’s degrees from Louisiana State University. She has 30+ years of combined teaching and banking experience.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

ACH, ATM and Debit Card error resolution rules are confusing. There are Regulation E rules and VISA or MasterCard rules that don’t always sync up. While the math behind zero liability is easy, the rest can be very hard to understand. This is also an area that has seen more examiner scrutiny in the last couple of years. Make sure your error resolution processes are up to speed!

This webinar will dissect the Regulation E error resolution requirements in plain English.

The “Regulation E: Errors & Disputes” webinar has been approved for 2.5 CAFP, CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. Certification holders must report these credits at https://aba.csod.com.

Covered Topics
Disclosures (Initial, Change in Terms & Periodic)
What is an EFT?
Consumer & Bank Liability
Investigation Time Limits
Resolution Requirements
How the Visa & MasterCard Rules fit in
Common Misconceptions
UDAAP Risks

Who Should Attend?
This webinar is designed for the frontline, management, compliance officers, auditors and other risk management or other operations personnel.

Presenter
David Dickinson’s banking career began as a field examiner for the FDIC in 1990. He later became a Compliance Officer and Loan Officer for a small bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces.

He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA’s Regulatory Compliance Conference. He is also a trainer for hundreds of webinars, is a Certified Regulatory Compliance Manager (CRCM) and has been a BankersOnline Guru for many years. The American Bankers Association honored David with their Distinguished Service Award in 2016.

David and his wife Karen have 3 adult children and 2 grandsons (none of whom live at home!) and 3 cats (of which Dave is allergic … the cats, not the children!). They live on a lake in Nebraska and when possible, he can be found fishing or making sawdust in his shop. David plays the guitar & piano and enjoys singing with Karen. They occasionally lead worship at their church.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

Being a notary public is a responsibility assumed by many financial institution employees. Unfortunately, most do not understand the personal liability when agreeing to serve in this capacity. Notaries and others will learn best practices for dealing with issues unique to the financial industry. Help your team know their responsibilities, plus learn basic laws, liability and reviews of various notarial acts.

Covered Topics
Basic Notary Public laws
Responsibilities of a Notary Public
Conflicts of interest
What happens when the law and the employer don’t agree
Different types of notarial acts
Notarial liability and why notaries are sued

Who Should Attend
Bank legal counsel, managers, supervisors and notaries, as well as potential new notaries.

Presenter
Terri D. Thomas, JD is the Director of the Kansas Bankers Association Legal Department, which specializes in providing compliance and legal assistance to Kansas banks.

Terri has worked with financial institutions for over thirty-nine years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansas predecessors. She has also served as a trust department manager and branch manager.

Receiving her Bachelor of Arts degree from Kansas State University in 1985, Terri continued her education at Washburn University School of Law and obtained her Juris Doctor in 1988. She has served as an Adjunct Professor at Washburn University School of Law in Topeka, Kansas and the University of Kansas School of Law in Lawrence, Kansas, and is a frequent seminar presenter for financial associations in the Midwest.

Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

Available Upgrades:
12 Months OnDemand Playback + $110
12 Months OnDemand Playback + CD + $140
Additional Live Access + $75 per person

It’s that time of the year again – when thoughts turn to IRS reporting issues and the myriad rules to follow and forms to complete. Learn about the many forms financial institutions must report, with an emphasis on when and exactly what to report. We’ll include easy-to-follow charts to complete each form.

The “IRS Information Reporting: Rules and Forms” webinar has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. Certification holders must report these credits at https://aba.csod.com.

Covered Topics
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 rule
1098s – what amount is reportable here? How about points? What is a qualifying mortgage?
IRA reporting – 5498s and the 1099-R
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

Who Should Attend?
Anyone in your institution with responsibility for collecting tax information, filing various IRS forms, or someone who must be aware of TIN requirements. This may include senior management, operations personnel, and back-room personnel, plus compliance officers, auditors, and attorneys, and anyone else who might benefit from this valuable information.

Presenter
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

Risk? Are taking court orders, power of attorneys, and other documents too much risk?

During this program we will look at the high risk involved in fiduciary accounts and the legal documents that come with them. From guardianships to power of attorneys, we will look at the key players, who can do what, and whether you can refuse the account. Learn how to open these high-level accounts and how to look at the paperwork and involve legal counsel. Some institutions send all paperwork to legal counsel, but many do a first look-see and then send it to legal when it involves complications. Learn how your procedures may be exposing your institution to risk on these special accounts.

Covered Topics
Power of attorney documents-key components, players, state rules
What can an agent do or not do on a POA?
Living trusts, charitable trusts and pension trust documents
Guardianships and Conservatorship Accounts court orders and
Other fiduciary arrangements—UTMAs, Social Security and VA Accounts
Estates, Small Estates and rights at death.
General rules of what fiduciaries can and cannot do

What you will receive:
New Account Handbook on set up procedures

Who Should Attend?
New Accounts, Branch Managers, Loan Officers, Bank Management, Deposit Operations, Deposit Compliance, Branch Administration, BSA Officer, BSA staff, Compliance Officers, Training and others who open accounts.

Presenter
Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor’s and master’s degrees from Louisiana State University. She has 30+ years of combined teaching and banking experience.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

It’s 2021 and the examiners are expected next month. Will your financial institution pass the test?

This program is designed to provide an update and the steps needed to complete an overdraft service checkup on your program before examiners arrive. Whether your system is automated or ad hoc, there are some themes and specifics examiners will target this year. Join us for a look at litigation, federal laws, state law issues, and other overdraft “hotspots” in this regulatory environment. It continues to be shifting sand.

Covered Topics
Understanding the regulations, the guidance and the regulatory environment
Authorize Positive/Settle Negative
What are good funds?
Average Balance/ledge balance
Fee per item per time
Lawsuits–See, e.g., Lloyd v. Navy Fed. Credit Union,
Your ODP program and whether it will pass the test—checklist for exams
Regulation E, Reg DD and State Laws
Examination “hot spots” and how the rules are being interpreted
Law suits around the country and how financial institutions are being targeted for unfair trade
Your policy, procedures, fees in 2021
Fair or unfair trade? A look at the federal and potential state issues
Frequently asked questions about overdraft programs
Why fees have to be consistent
And much, much more…

Who Should Attend?
This informative session is designed for the compliance area, deposit operations and management who are responsible for implementing a fair and compliant Overdraft Program.

Presenter
Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor’s and master’s degrees from Louisiana State University. She has 30+ years of combined teaching and banking experience.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

Financial institutions are required to complete transactions for customers who have created revocable and irrevocable trusts. To protect your financial institution’s interests when using these documents, it is imperative to understand the basic do’s and don’ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents.

Covered Topics
What are the differences between revocable and irrevocable trusts?
What does it mean when a trust is called a “living trust” versus a “testamentary trust?”
How does the financial institution establish the relationship, including changing titles and performing transactions (loans or deposits)?
How many co-trustees does it take to bind the trust?
When can a successor trustee do business for the trust?
Can a power of attorney be used with a trust document?
Can a trust own a safe deposit box?
Can a trust co-own an account with another trust (or person)?

Who Should Attend?
Financial institution employees involved with opening new accounts, deposit or loan documentation and operations.

Presenter
Terri D. Thomas, JD is the Director of the Kansas Bankers Association Legal Department, which specializes in providing compliance and legal assistance to Kansas banks.

Terri has worked with financial institutions for over thirty-nine years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansas predecessors. She has also served as a trust department manager and branch manager.

Receiving her Bachelor of Arts degree from Kansas State University in 1985, Terri continued her education at Washburn University School of Law and obtained her Juris Doctor in 1988. She has served as an Adjunct Professor at Washburn University School of Law in Topeka, Kansas and the University of Kansas School of Law in Lawrence, Kansas, and is a frequent seminar presenter for financial associations in the Midwest.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

Available Upgrades:
12 Months OnDemand Playback $110
12 Months OnDemand Playback + CD + $140
Additional Live Access + $75 per person