Events

There have always been specific fair lending risk factors for commercial loans, but not a great deal of attention from regulators who are more focused on the safety and soundness aspect of commercial loan portfolios. What will your examiners begin to review with the advent of the 1071 rules? When an examiner compares a file for a denied women or minority-owned small business applicant to an “established good commercial customer” will your bank be able to justify the decision? Will the collection activities also receive more scrutiny?

These five areas will be a reason to “fine-tune” fair lending training in the commercial loan area:

  • Vague or subjective underwriting
  • Risk-based pricing that’s not based on objective criteria
  • Lack of File Documentation and exception tracking
  • Marketing and advertising practices
  • Patterns of lending and exclusions identified in the most recent CRA exam.

*Special Note — the proposed CRA rules specifically reference the use of 1071 data analysis.

FAILURE TO ACHIEVE A SATISFACTORY CRA RATING WILL STOP YOUR BANK’S PLANS FOR EXPANSION.

What You’ll Learn
This program will include an overview of potential fair lending red flags, but also often solutions for a successful program for commercial lenders that include:

  • Understanding fair lending risk in the commercial product line
  • Controls for written underwriting, pricing standards and collection activities
  • Exception guidelines including exception authority, tolerances and trends
  • Overview of the 1071 rules and impacts
  • Tools for fair lending training

Who Should Attend
This program is designed for chief credit officers, commercial lenders, commercial loan assistants, compliance officers, auditors, Fair Lending officers, collections staff, loan administration staff, CRA officers.

Instructor Bio
Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Costonis has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Costonis has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and translates complex regulations into simple concepts by using humor and real life examples.

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

You will receive highlighted screen shots showing you how to complete a SAR Handbook to help with timing, referral forms, and other tools to help with your SAR filings.

What You’ll Learn

  • How to complete the note to FinCEN
  • What is an advisory or GTO form
  • Cyber crimes
  • Human smuggling and human trafficking
  • Line-by-line review of all instructions
  • Copy of Form and instructions
  • Referral forms for staff, excel spreadsheet of all advisories and mortgages
  • How to complete a narrative

Who Should Attend
BSA Officers, BSA Support Personnel, Deposit Operations, Compliance Officer, Branch Operations

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Florida 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 35+ years of combined teaching and banking experience.

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

The chance to significantly overhaul banking regulations comes around perhaps once in a generation — or maybe twice. On May 11, 2022 the Federal Reserve, Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency released a proposed set of overhauled regulations under the Community Reinvestment Act, the 1977 law intended as a countermeasure against discriminatory lending (AKA redlining). The comment period ends August 5, 2022.

What potential impacts are likely for YOUR bank, based on your size of being evaluated as a small, intermediate, or large bank?

What You’ll Learn

  • Review of key elements of the proposed rule and comparisons to the current regulations
  • A recap of the May 5, 2022 Interagency Webinar on the CRA proposal
  • Potential use of the Section 1071 proposed rules for minority and women-owned small business loans

There are eight performance tests that have potential implications for your bank’s CRA strategy, they include:

  • The Retail Lending Test for large and intermediate banks. The test also includes screens and metrics.
  • The Retail Services and Products Test for large and intermediate banks.
  • The Community Development Financing Test for large and intermediate banks. The test includes metrics and benchmarks.
  • The Community Development Services Test for large banks. The test includes metrics.
  • The Community Development Financing Test for Wholesale or Limited Purpose Banks.
  • The small bank performance standards.
  • The intermediate bank community development performance standards.
  • Standards in a strategic plan

Who Should Attend
This program will benefit lenders, compliance officers, CRA officers, lending support staff, legal counsel, auditors, and those involved in acquisitions and merger activities.

Presenter Bio
Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Costonis has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and translates complex regulations into simple concepts by using humor and real life examples.

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

Each webinar in this series is 1 hour in length. Please see below for details on the specific events.

Included Webinars
The Diversity, Equity & Inclusion Program Journey — Part 1
Key Topics in Diversity, Equity & Inclusion Training and Communications — Part 2

The Diversity, Equity & Inclusion Program Journey — Part 1
June 28, 2022, 1:30 pm CDT
This webinar will address how to incorporate DE&I processes into key steps in the employee lifecycle, including recruitment and hiring, and professional development.

Covered Topics

  • Introduction to workplace diversity, equity and inclusion
  • DE&I policies
  • DE&I program infrastructure
  • An organization’s DE&I journey
  • DE&I training and communications
  • DE&I in the employee lifecycle
  • DE&I metrics
  • DE&I and an organization’s community
  • DE&I in the global context

Key Topics in Diversity, Equity & Inclusion Training and Communications — Part 2
June 29, 2022, 1:30 pm CDT
This webinar includes the essentials — introductions to workplace diversity, equity, and inclusion — and then delves into other related topics, including the critical role of inclusive leadership, and unconscious bias, micro behaviors, cultural competence and humility, civility and respect, and others.

Covered Topics

  • Inclusive leadership
  • Unconscious bias
  • Micro-behaviors
  • Cultural competencies
  • Humility
  • Civility and respect
  • Allyship
  • Other DE&I topics

Who Should Attend
Individuals involved in an organization’s DE&I initiatives, others who liaise and/or support these initiatives, and people managers who want to understand the evolving landscape of DE&I practices in managing teams.

Instructor Bios
Laura Jacobus has spent over two decades years in corporate ethics and compliance management, including with Cisco Systems and Juniper Networks. She currently serves as a legal/management consultant to various high-tech and other industry clients, primarily in the ethics and compliance field. Jacobus has co-authored Essential Lawyering Skills: A Companion Guide for Neil W. Hamilton‘s ROADMAP (American Bar Association 2021), which is focused on professional development and professional identity formation for law students, as well as cultural competence and matching of personal values to those of employers. Laura also teaches at several colleges and universities on a broad range of organizational culture issues, including diversity, equity and inclusion. She received a Juris Doctor from SCU Law and a bachelor of arts in English from SCU. She is licensed to practice law in California.

Aurora Realin has worked in diversity, equity and inclusion for over two decades in the healthcare and government research fields, including with Adventist Health Orlando and the Jefferson Lab. She is a published author and speaker and has served as the editor of the 3rd and 4th editions of A Desk Reference Guide to Personalizing Patient Care, a resource guide for healthcare professionals and staff. She has consulted with various hospitals, non-profit and private industries in diversity, equity and inclusion, international nursing, supplier diversity, training and development, and patient experience. She has a master’s degree in business administration from Southern Adventist University and undergraduate degree, certifications in diversity, equity, and inclusion from the University of Central Florida, Simmons University, and the University of South Florida.

Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $339

Available Upgrades:

  • 12 Months OnDemand Playback + $140
  • 12 Months OnDemand Playback + CD + $200
  • Additional Live Access + $100 per person

Covered Topics
Training Day Agenda (Subject to change)

  • 9:00 am – 10:30 am CT (Followed by a 15 minute break and Q&A)
  • 10:45 am – 12:00 pm CT (Followed by a 60 minute lunch break and Q&A)
  • 1:00 pm – 2:30 pm CT (Followed by a 15 minute break and Q&A)
  • 2:45 pm – 4:00 pm CT (Followed by Q&A and session wrap up)

Attend the Appraisal Rules and Standards, RESPA Requirements, and Banking Servicemembers Seminar from the convenience of your own office or home via Live Streaming Video as it happens on Wednesday, May 18 (9:00 am – 4:00 pm Central Time), or at your own convenience with 12 months of OnDemand playback.

Banking Servicemembers: Rules, Regulations, and Issues to Be Aware Of

One of a financial institution’s greatest reputation risks is the mistreatment of servicemembers. Issues involving servicemembers are among the most critically important to regulators, so it’s essential to understand the requirements and get them right. Financial Institutions have been taking great care not to treat service members and their family members less favorably, due to these compliance and reputation risks problems in this area present. But what exactly are the rules?

The Servicemembers Civil Relief Act (SCRA) is the most well-known, of course. But there are other considerations, such as fair lending and even UDAAP. And the Military Lending Act (MLA) regulations cover different loans than does the SCRA. What we’ve seen over the last few years are lenders that believe they don’t have issues to deal with for military customers that are unfortunately taken by surprise. Does your institution know the rules, and what to do and not do? The SCRA and MLA aren’t the only issues to contend with either, as the CFPB has been particularly active when it comes to servicemember issues and concerns.

This live streaming session is designed to address all these issues, so you can be prepared. Know what it means to reduce the interest rate on active duty borrowers to 6%, as well as various other protections against foreclosure and other areas. Know how to determine whether you have a “covered borrower” under the MLA and SCRA, as the standards are different. We’ll also talk about some of the more recent enforcement actions taken against other institutions, to learn from others’ mistakes.

Appraisal Rules and Standards: Compliance with Changing Standards

The past few years have seen a significant emphasis on real estate appraisals and evaluation rules and regulations. With attention on credit standards increasing in general, it’s more important than ever to be aware of the rules. Revised Interagency Guidelines and requirements for consumer real estate loans under Reg Z have been in place for years, and we’ve seen additional requirements finalized recently. Just in the last few years, we’ve seen significant proposed and final regulations changing some thresholds and providing some additional exceptions from the requirement. In some cases (called “flipping transactions”), lenders even have to obtain two appraisals on the same property for one loan. And of course, COVID-19 has proved challenging, and in response, some leeway has been provided for appraisals.

Because breakdowns in appraisal practices were partly blamed for the mortgage crisis, regulators raised their expectations; lenders’ appraisal and evaluation programs must include more elements than ever before. Some themes now emphasized by the agencies are independence of the appraiser, evaluator, reviews, and qualifications. There are also limitations to using AVMs (automated valuation models), BPOs (broker price opinions), and similar evaluations such as tax valuations that must be accounted for.

Do you know the requirements? We’ll provide in-depth details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you need.

RESPA Requirements: Compliance in Today’s Mortgage Environment

Contrary to popular belief (and some wishful thinking), RESPA hasn’t gone away. Sure, TRID gutted most of RESPA’s disclosure requirements, but the rule itself didn’t disappear. In fact, there are many provisions that have been added to RESPA since the mortgage crisis, most notably servicing requirements for distressed borrowers. And in this time of the pandemic, there are unfortunately more distressed borrowers than we wish there would be. But that makes compliance with the requirements all that more important.

This streaming session will address all of RESPA’s requirements, both from an origination as well as servicing standpoint. The escrow rules are still in place, and the regulatory agencies have a renewed focus on Section 8 issues. Make sure you understand what these requirements are and are able to include them in your mortgage lending compliance processes.

Who Should Attend
Loan officers, lenders, compliance officers, auditors, underwriters, loan support staff, appraisers, closing agents, management, and many others will benefit from this event!

Instructor Bio
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

Live Stream + Access the recording for 12 months. $1049

CRA changes are coming. Get insight and information about what’s on the CRA horizon during this timely webinar. A sample CRA tracking log, action plan, and self-checklist will give you smooth sailing through the sea of changes. Don’t miss this chance to prepare.

After This Webinar You Will Be Able To:

  • Understand current regulatory requirements and how proposed changes will impact your CRA program
  • Identify technical requirements for banks of all sizes
  • Develop effective CRA compliance strategies
  • Conduct a thorough CRA self-assessment
  • Communicate your CRA efforts to the board

Webinar Details
All was quiet on the Community Reinvestment Act (CRA) front for over 15 years, until 2020 when the OCC issued their final rule to “strengthen and modernize” current CRA regulations and the Federal Reserve issued an Advanced Notice of Proposed Rulemaking detailing their own approach to bringing CRA into the 21st century. Then in 2021, the OCC pulled back on these new rules and now the Agencies will be issuing a joint CRA ruling.

Receiving a strong CRA rating is very important. A poor rating can significantly impact board and management’s strategic goals and adversely affect your bank’s reputation in the communities you serve. This session will dive into these rules and explain how to prepare your CRA program to meet regulatory expectations. Whether you are a small bank, intermediate-small bank, or a large bank, this webinar will address the rules that apply to you. It will also review best practices for documenting your efforts during the recent pandemic to ensure your bank receives credit for all you have done to assist your communities. Join us for this jam-packed session!

Who Should Attend?
This informative session is designed for CRA officers, compliance officers, lending officers, and internal auditors.

Take-Away Toolkit

  • CRA tracking log
  • CRA action plan
  • CRA self-checklist
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

Note: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Presenter
Dawn Kincaid – Brode Consulting Services Inc

Dawn Kincaid began her banking career while attending The Ohio State University. She has over 20 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Kincaid served as the senior vice president – operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized implementation of new products and services. Kincaid has served in the roles of compliance, BSA/AML, CRA, privacy, and security officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits and exams, and presented for numerous state associations.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

Writing a dynamic CRA context report can show examiners not only that your financial institution understands the community demonstrate why your CRA program qualifies for a “Satisfactory” or possibly “Outstanding” rating credit needs, but that you are effectively meeting the needs in the assessment areas you serve. We will review the steps required to establish your case and tips for managing the exam.

The definition of “community development” changed in September 2005 to include, among other things, activities that revitalize or stabilize designated disaster areas. A financial institution’s activity will be considered to revitalize or stabilize a designated disaster area if it helps to attract new, or retain existing, businesses or residents and is related to disaster recovery and examiners will consider revitalization or stabilization activities that take place within 36 months after the date of the disaster designation. Could your financial institution be eligible to receive special consideration for lending in a designated disaster area?

Covered Topics

  • Five steps for managing a CRA exam and the importance of developing a CRA strategy.
  • Review of the FAQs relating CRA and COVID-19 pandemic were added on March 8, 2021
  • NEW! — The OCC issued a proposal on September 8, 2021 to rescind the CRA rule published in June 2020 and replace it with rules the federal banking agencies adopted in 1995
  • Five FAQs relating to CRA and the COVID 19 pandemic were added on March 8, 2021 by the OCC, FDIC, and Federal Reserve
  • Tips for banks that are ISB (intermediate small banks of $330 million in the prior two calendar years and the transition to CRA reporting when the large bank threshold of $1.322 billion is reached.
  • Learn how to document lending activity in designated disaster areas.
  • What’s included in a performance context? Learn how to describe your institution, quantify the ability and capacity of the bank to meet credit needs based on financial data. Learn how to highlight the positive outcomes of your lending focus and business strategy.
  • Tips to describe your assessment area including demographic and economic data resources.
  • Best practices to deal with CRA-related complaints and potential fair lending issues that can threaten a successful exam.
  • Definitions of Community Development Loans and Services
  • Ideas for passing the Investment Test portion of the exam

Who Should Attend
This session is “must” for CRA Officers of small, intermediate, and large institutions. The session will also benefit the Board & senior management, credit administration, lenders, compliance, and marketing professional.

Instructor Bio
Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Costonis has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Costonis has been a certified regulatory compliance manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and translates complex regulations into simple concepts by using humor and real life examples.

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

Excel expert David H. Ringstrom, CPA, focuses on the basics of using Excel pivot tables in this comprehensive presentation. Pivot tables empower you to easily create reports from complex data, simply by using your mouse. Ringstrom explains how to initiate a pivot table from a list of data, expand and collapse pivot table elements, dig deeper into the numbers with the Report Filter command, and much more. As is the case with many features in Excel, pivot tables have nuances that can trip you up, so Ringstrom points out traps and teaches you tricks to help ensure your reports are always accurate.

Ringstrom demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the subscription-based Microsoft 365 (formerly Office 365) version of Excel. Ringstrom draws your attention to any differences in the older versions of Excel (2021, 2019, 2016, and earlier) during the presentation as well as in his detailed handouts. Ringstrom also provides an Excel workbook that includes most of the examples he uses during the webcast.

Microsoft 365 is a subscription-based product that provides new feature updates as often as monthly. Conversely, the perpetual licensed versions of Excel have feature sets that don’t change. Perpetual licensed versions have year numbers, such as Excel 2021, Excel 2019, and so on.

Covered Topics

  • Identifying the ideal data for analysis with Excel’s PivotTable feature.
  • Creating a pivot table to transform lists of data into on-screen reports.
  • Distinguishing the differences among pivot table-related menus in Excel 2013 and later versus older versions of Excel.
  • Adding rows to a blank pivot table to create instant reports.
  • Repositioning or removing subtotals within pivot tables.
  • Exploring the nuances of formatting numbers within pivot tables.
  • Avoiding the dreaded PivotTable Field Name Already Exists error prompt.
  • Filtering pivot tables to show fewer columns and/or rows of data.
  • Presenting the largest or smallest values in chart form by way of a Top 10 pivot chart.
  • Unlocking additional filtering capabilities in pivot tables by knowing where to position one’s cursor to re-enable the Filter command.
  • Utilizing the Tabular Format command to display pivot table data in two or more columns instead of a single column in Compact Form.
  • Resetting all filters at once within a pivot table by way of the Clear Filters command.

Who Should Attend
Professionals who need to create actionable reports from lists of data with minimal effort.

Instructor Bio
David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. Ringstrom’s mantra is “Either you work Excel, or it works you”, so he focuses on what he sees users don’t, but should, know about Microsoft Excel. His goal is to empower you to use Excel more effectively. To learn more about David, you can view his LinkedIn profile and follow him on Facebook or Twitter (@excelwriter).

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

Civil money penalties continued to be assessed for violations of the Flood Disaster Protection Act (FDPA) even though the basic regulatory requirements have remained the same for a number of years. Bottom line, adequate flood insurance is required to be in place when a MIRE (Make, Increase, Renew, or Extent) event occurs and the structure securing the loan is in a special flood hazard area. And on top of that, if the borrowers drop their flood insurance your institution must force place in a timely manner.

The components of an effective flood compliance management program include timely ordering of the determination; action steps when collateral is in a special flood hazard area; fulfilling notice requirements; and evaluating flood policies. Join us as we discuss the requirements of the FDPA so that you can ensure there are no leaks in your institution’s flood compliance program!

Covered Topics

  • Understand critical elements in the flood determination process
  • Calculate the minimum amount of flood insurance required
  • Explain the differences between an NFIP versus a private flood policy
  • Appropriately review a private flood policy
  • Recognize timing requirements for force placing flood insurance
  • Watch for potential flood issues with third-party service providers
  • Implement monitoring and tracking tools to aid with fulfilling compliance responsibilities

Who Should Attend
This informative session is designed for lenders, loan processors, lending staff, compliance officers, risk officers, and trainers.

Instructor Bio
Molly Stull began her banking career on the teller line while working on her undergraduate degree and has continued working in the financial industry ever since. Some of her experience includes roles in operations, business resumption planning, consumer compliance, and conducting audits. Her favorite role is ensuring that her audience, whether on the sports field or in the financial industry, understands the “why” behind the rule. Her wealth of financial knowledge and her numerous years of experience enable her to relate the material to the audience.

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 has been years since the federal bank regulatory agencies have overhauled the Community Reinvestment Act (CRA) regulations. Right now, major revisions are unfolding, but in awkward manner. This program provides a review of the existing CRA rules, the FDIC’s proposed rule, the OCC’s final rule, and an explanation of the Federal Reserve Board’s Advanced Notice of Proposed Rulemaking.

Covered Topics
This program provides a review of the current, the FDIC’s proposed, the FRB’s advanced proposed, and the OCC final requirements of CRA and its implementing regulations, including:

  • Existing, proposed and revised performance tests, standards, and ratings;
  • Assigned ratings under current, proposed and revised regulations;
  • Assessment area delineation under the current rule and the new facility-based and deposit-based methods;
  • New concepts such as retail deposits, retail lending product lines, and qualifying activities lists;
  • Evaluation concepts such as CRA Evaluation Measures, geographic distribution tests, and borrower distribution tests;
  • Evaluation options under current, proposed and final rules;
  • Current data collection requirements and the expanded requirements under the proposed and final rules;
  • Community Development activities under the current, proposed and revised regulations;
  • The status of “intermediate small banks.” (Will the category continue to exist?);
  • How small is a “small bank” under existing ($1.305 billion), proposed ($500 million) and revised regulations ($600 million);
  • An explanation of the periodic adjustments to the asset-size thresholds used to define “small bank” and “intermediate small bank;”
  • A review of recent redlining cases;
  • A review of the CRA Questions and Answers, exam results and CRA agreements; • Public file requirements;
  • CRA notices;
  • An explanation of how to obtain community development credit for COVID-19-related activities; and
  • The status of the proposed and final revisions to the regulations.

Who Should Attend?
The program is designed for loan officers, compliance officers, CRA officers, loan department staff, bank counsel, and auditors. Whether new to the requirements of the CRA and its regulations or a seasoned veteran, this program provides a comprehensive review of the rapidly changing requirements of the CRA.

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. Holzknecht’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. Holzknecht 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