Events

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IRA & HSA Update: Discover What’s New & Changing

With a new year, you need new information! If you deal with IRAs or HSAs, you won’t want to miss this important update, complete with regulatory changes, pending legislation, and 2023 contribution limits.

After This Webinar You’ll Be Able To:

  • Understand the far-reaching effects of recent IRS guidance on IRA required minimum distributions and beneficiary distributions
  • Be up to date on pending legislation and potential changes, including operational and IRA owner impacts
  • Analyze the new 2023 federal tax withholding changes and know when to use IRS Form W-4R versus Form W-4P
  • Identify 2022 and 2023 IRA and HSA contribution limits
  • Examine current HSA trends and common questions

Webinar Details
As one year ends and another begins, the start of another IRA and HSA season is upon us. Be prepared by catching up on recent regulatory changes, clarifications, and interpretations. Learn about the significant impact that pending legislation will have on IRA owners and financial organizations. Whether your duties include dealing directly with IRA and HSA owners or involve operational, reporting, or managerial responsibilities, this session will provide practical insights into what’s new and important in the world of IRA and HSA plans.

Who Should Attend?
This timely webinar will benefit all staff who deal with IRA and HSA owners, or who have IRA or HSA operational, compliance, or decision-making authority. The session will also provide value to those who hold insurance or securities licenses.

Take-Away Toolkit

  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Frank LaLoggia – LaLoggia Consulting, Inc.
Frank LaLoggia is the president of LaLoggia Consulting, Inc., Rochester, New York, a pension consulting firm that assists financial organizations with ongoing support in the creation, development, and marketing of their retirement plans offerings.

LaLoggia coordinates and conducts retirement plan seminars and training programs throughout the United States, including in-house IRA, HSA and employer retirement plan training sessions. With over 39 years’ experience in employee benefits, he has assisted many leading financial organizations in the pension and financial services industries. LaLoggia has achieved the designation of Deferred Compensation Specialist through Northeastern University’s Center for Continuing Education and The National Retirement Plans Training Conference.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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2023 Call Report Update

Learn all about the 2023 Call Report revisions before you begin preparing the next report. Join this webinar to explore the impacts of CECL, TDRs, technical clarifications, and more. Ensure you are up to date with the changes to reporting forms and instructions — and know how to avoid common errors.

After This Webinar You’ll Be Able To:

  • Assess the impact of proposed Call Report revisions for the 2023 reporting year
  • Determine how the current expected credit loss (CECL) model impacts reporting loans, securities, and other Call Report items
  • Evaluate how the reporting of troubled debt restructured (TDR) loans in the Call Report will change as banks adopt ASU 2022-02 concerning loan modifications
  • Be on top of technical clarifications made to the Call Report instructions in 2022
  • Understand commonly misreported Call Report items, including loan and regulatory capital items

Webinar Details
Given the ever-changing accounting and regulatory landscape, it is imperative that Call Report preparers and reviewers keep up with changes to the reporting forms and instructions. The agencies continue to issue proposed and finalized changes that will impact all filers of the Call Report in 2023 and beyond. This session will highlight Call Report changes effective in 2023, in particular the new and revised items impacted by the adoption of the CECL model. In addition, the changes to reporting troubled debt restructured loans will be addressed. Join us to learn the recent Call Report changes and items that are still commonly being misreported, including an institution’s regulatory capital.

Who Should Attend?
This informative session is designed for all Call Report preparers and reviewers, including CFOs, controllers, and others responsible for ensuring the accuracy of their institution’s quarterly Call Report.

Take-Away Toolkit

  • PDF booklet of relevant accounting and regulatory guidance
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Michael Gordon, CPA – Mauldin & Jenkins, LLC
Michael Gordon is a CPA and partner in the Atlanta office of Mauldin & Jenkins, LLC. He received his bachelor’s in European History and Economics in 2003 from Vanderbilt University and received his MBA with a concentration in Accounting in 2005 from the Georgia Institute of Technology Scheller College of Business. Since joining Mauldin & Jenkins in 2005, he has focused on financial institution audits and employee benefit plans. Gordon also has experience with HUD and governmental entity audits. He is a member of the American Institute of Certified Public Accountants and the Georgia Society of Certified Public Accountants.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Beginning Security Officer: Dos, Don’ts, & Compliance

Snap up this expert training for new security officers. Everyone has to start somewhere — even security officers. They are foundational to the safety of each financial institution and training is essential to their success. This practical program will address the security officer’s role, best practices, regulatory compliance, physical security issues, and more.

After This Webinar You’ll Be Able To:

  • Comprehend exactly what the security officer is responsible for under the Bank Protection Act and implementing regulations
  • Understand lighting, landscaping, locations, and locks – the four Ls of security
  • Determine the proper steps to take with cash recyclers and ITMs
  • Explain to management the need for an annual risk assessment
  • Identify the records the bank security officer should keep

Webinar Details
The Bank Protection Act (BPA) and implementing regulations specify security officer requirements. This program will focus on these regulations, especially on Regulation H, to demonstrate what your security program should contain. Although the regulations are very specific, they allow leeway for risk-management decision-making. This program will include industry standard practices and demonstrate (with pictures) how to comply. Security officer dos, don’ts, and best practices will be covered. Other topics will include:

  • How often your staff should be trained on security
  • How new equipment will change your training strategies
  • How often the security officer should receive specialized training, like active shooter
  • What the security officer should consider when evaluating equipment or training issues

Who Should Attend?
This informative session is designed for security officers, risk management professionals, internal auditors, and compliance officers.

Take-Away Toolkit

  • Regulation H checklist to determine if your security program is current
  • Night inspection form to help implement your physical security inspections
  • Proper Employee Conduct During and After a Robbery form for training
  • Risk Management Basics: Before, During, and After the Robbery
  • Risk Management Basics: Robbery Styles
  • Risk Management Basics: Physical Risk Assessments, Thinking Like the Robber
  • Sample incident report
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Barry Thompson, CRCM – Thompson Consulting Group, LLC
Barry Thompson is an international speaker, trainer, consultant, and writer. He is a security and compliance “guru” for a leading national training organization and regularly presents security conferences for trade groups – he has trained over 54,000 financial professionals.

Thompson is recognized worldwide, presenting in Brussels, Belgium to European bankers on internal fraud; at the United Nations on identity theft; and to Japanese bankers on bank security. Thompson has worked in the financial services industry for over four decades, and has held the positions of security officer, compliance officer, treasurer, senior vice president, and executive vice president. He has handled over 900 security cases and has been involved with investigations and prosecutions at the federal, state, and local levels. Thompson is the author of 101 Security Tips for the Beginning Security Officer and Inside the Vault and has been interviewed by Newsweek, Computer World, USA Today, and other national publications.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Credit Reporting Risks in the Banking Environment

FCRA compliance is crucial. Fortunately, the regulations, examination guidance, and hard-earned experience create a detailed model of a fully compliant credit reporting system, if you know where to look. Unfortunately, many institutions fail to follow basic compliance requirements. Join credit reporting veteran David Reed as he cuts through the regulatory web and shares a clean and manageable FCRA process for your institution.

After This Webinar You’ll Be Able To:

  • Appreciate the increasing credit reporting compliance risks
  • Understand the critical steps in responding to credit report disputes
  • Avoid employment screening related FCRA issues
  • Identify FCRA risks created by bankruptcy
  • Conduct a credit reporting inventory
  • Identify and avoid common compliance landmines

Webinar Details
Fair Credit Reporting Act (FCRA) violations continue to be at the top of the CFPB’s complaint list. While credit reports continue to play an essential role in financial institution operations, if you think it all revolves around lending, you’d be wrong! For example, pre-employment screenings often use credit reports as an evaluation tool, and discharge in a consumer bankruptcy requires special attention to report the obligation correctly.

Because credit reporting continues to be one of the most-cited consumer concerns, it receives added attention from the CFPB, examiners, and “consumer protection” and employment attorneys. From policies and procedures to quality assurance and organizational charts, this essential function impacts every financial institution and there are basic steps that will increase efficiency, reduce risks, and calm compliance nerves. This webinar will focus on the unique operational and compliance challenges posed by credit reporting and utilization issues. From consumer disputes to confidentiality and all the gray areas in between, this session will provide a commonsense approach to FCRA compliance and management.

Who Should Attend?
This informative session is designed for senior executives, managers, human resources staff, compliance staff, lending personnel, collections managers, frontline managers, internal auditors, and anyone involved with credit reporting.

Take-Away Toolkit

  • Sample FCRA policy
  • Sample pre-employment credit report checklist
  • Permissible purposes checklist
  • FCRA examination guidance
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
David A. Reed, JD – Reed & Jolly, PLLC
Attorney, author, consultant, and nationally recognized trainer, David Reed is a partner in the law firm of Reed & Jolly, PLLC. He provides guidance to financial institutions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections.

A former trial attorney and vice president and general counsel of a large regional financial institution, Reed is also a Certified Fraud Examiner. He is particularly known as an expert in the areas of operations, bankruptcy, and collections. He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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2022 HMDA Submission Due March 1, 2023: Updates, Challenges, & Real-Life Examples

Confused about HMDA reporting? You’re not alone. The real-life examples used in this timely webinar will help clarify the confusion on the top five issues — before the March 1 reporting deadline.

After This Webinar You’ll Be Able To:

  • Submit the 2022 data with added confidence and improved data integrity
  • Effectively use the HMDA resources in the CFPB’s 2022 FIG (Filing Instructions Guide)
  • Interpret several confusing issues such as what is and isn’t a dwelling, mixed-use property scenarios, and complex demographic information collection
  • Explain how to handle quality edits
  • Understand clarifications for complicated data points

Webinar Details
HMDA reporting continues to be a challenge for many financial institutions. Most importantly, this public data can be scrutinized for potential discriminatory practices that can challenge your financial institution’s reputation. Join this fast-paced webinar to learn about issues that challenge HMDA reporters and receive valuable tools to submit your 2022 HMDA data by March 1, 2023. The presentation will include citations, tips, and real-life examples. You will learn important information about the causes of reporting errors, including these top five issues:

  • Secondary market reporting rules
  • Dwelling definitions and mixed-use property scenarios
  • Demographic information collection tips
  • Reporting tips for applications made in the commercial loan area
  • Data integrity challenges — submission and resubmission steps

Who Should Attend?
This informative session is designed for all employees who need to understand and manage HMDA reporting, including loan operations staff, loan officers, loan assistants, processors, compliance officers, fair lending officers, IT support staff, and auditors.

Take-Away Toolkit

  • HMDA worksheets and flow chart for 2022 activity, including updated resources from the CFPB
  • Lists of data fields for each data point
  • Helpful HMDA compliance resources, including checklists for submission and fair lending considerations
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Susan Costonis, CRCM – Compliance Training & Consulting for Financial Institutions
Susan Costonis is a compliance consultant and trainer who began her career in 1978. 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

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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CTR Line-by-Line: Accuracy & Insight

Garner CTR acumen and expertise with this line-by-line look at the form.

Do you understand aggregation and know when to use “unknown”? Learn more about FinCEN’s requirements and guidance. This detailed review will bring you newfound insight, increase reporting accuracy, and ensure compliance.

After This Webinar You’ll Be Able To:

  • Understand the difference between aggregate and multiple transactions
  • Know the two options for reporting transactions of a sole proprietorship
  • Explain when separate transactions should be aggregated
  • Distinguish between when “unknown” should and should not be used
  • Report multiple cash-in and cash-out transactions on a single CTR

Webinar Details
Whether you are new to CTRs or have some experience, little nuances and off-pattern scenarios can cause confusion. This webinar will guide you through the report process by explaining each section, incorporating FinCEN’s own instructions, FAQs, and guidance. Accurately completing the CTR not only provides vital information for law enforcement, but also keeps your institution out of trouble with the regulators. Join us to gain valuable insights into the CTR reporting process.

Who Should Attend?
This informative session is designed for BSA staff, anyone responsible for any aspect of CTR reporting, branch management, compliance personnel, and auditors.

Take-Away Toolkit

  • Sample CTR reporting policy
  • CTR cheat sheet
  • Internet links to helpful resources
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Mary-Lou Heighes – Compliance Plus, Inc.

Mary-Lou Heighes is president and founder of Compliance Plus, Inc., which has assisted financial institutions with the development of compliance programs since 2000. She provides compliance training for trade associations and financial institutions. Heighes has been an instructor at regulatory compliance schools, conducts dozens of webinars, and speaks at numerous conferences throughout the country.

Involved with financial institutions since 1989, Heighes has over 30 years’ compliance experience. Before starting Compliance Plus in 2000, she spent five years working as a loan officer, marketer, and collector. She also worked at a state trade association for seven years providing compliance assistance and advising on state and federal legislative issues that affect financial institutions.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Anti-Money Laundering Act: Update & Lessons Learned

Learn how to evaluate your institution’s compliance with the AML Act provisions already in place and plan for those coming down the pike. This session will address the impact on policies, risk assessments, monitoring procedures, and training programs, as well as provide tools and examples to successfully navigate the changes.

After This Webinar You’ll Be Able To:

  • Identify the purpose of the AML Act and its impact on your BSA program
  • Incorporate the eight AML/CFT priorities into your BSA/AML risk assessment and red flag monitoring programs
  • Explain FinCEN’s 2022 final rule to implement beneficial ownership information reporting
  • Understand FinCEN’s frameworks to facilitate information sharing among financial institutions and their service providers, regulators, law enforcement, and others
  • Detail how virtual currency is considered in regulatory definitions and red flags you should know
  • Prepare for changes being proposed to CTR and SAR reporting, including to thresholds and required fields
  • Use the information and tools provided to inform your management and board of current and future changes

Webinar Details
It’s been three years since the Anti-Money Laundering Act of 2020 (AML Act) became effective. While there have been a number of notices, advisories, reports, and rulemakings, there are many key components, which may result in additional regulation. Passage of the AML Act has already set in motion a number of issues that will impact your risk-based BSA program and potentially change recordkeeping and reporting requirements. From risk assessments to beneficial ownership to CTRs and SARs — you need to be prepared for changes big and small.

Who Should Attend?
This informative session is designed for BSA officers, compliance officers, security officers, and anyone responsible for managing your BSA/AML program.

Take-Away Toolkit

  • AML Act implementation plan
  • Sample BSA/AML risk assessment updated for the AML Act
  • Beneficial ownership final rule fact sheet
  • 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 agency 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 of 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
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The ABCs of RDC

Checks are going away, right? Not so fast! Many people still use them — or receive them. Does your financial institution offer RDC as a convenience to your accountholders? Do you know what to do when a check is presented twice? Get the goods about remote deposit capture procedures and risks with this timely webinar.

After This Webinar You’ll Be Able To:

  • Distinguish between mobile and desktop services
  • Understand the regulations and guidance relating to remote deposit capture (RDC)
  • Define risk mitigation steps your financial institution can take
  • Explain the options when a check has been presented more than once
  • Clarify the responsibilities relating to the RDC indemnity

This course is eligible for 1.8 AAP/APRP credits.

Webinar Details
We keep hearing that checks are going away, but that just isn’t true. They are still around and may even be the preferred method of payment for some accountholders. Offering remote and mobile deposit capture of checks allows accountholders to keep banking with you even when they move or get a check in the mail. Learn the differences between mobile and desktop services, risk mitigation, duplicate deposits, and much more.

Who Should Attend?
This informative session is ideal for check operations staff, NCP candidates, auditors, compliance staff, and product managers.

Take-Away Toolkit

  • Sample RDC risk management policy
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Michele Barlow. AAP, NCP – Macha/PAR

Michele Barlow is the Senior Vice President at Macha/PAR (Everything Payments, Everywhere), with offices in Wisconsin and Maryland. Before joining the Macha team in 2009, Barlow spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Barlow is a past member of NACHA’s Blue Ribbon Panel and currently serves on the APRP Oversight Panel, the Payments Institute Board of Regents, and Nacha’s LMS Editorial Board. She is active on other national committees, and a frequent speaker at industry events. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Barlow holds a bachelor’s from the University of Wisconsin.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Advanced Issues in Dormant Accounts, Unclaimed Property & Escheatment

Unique, complex, and overseen by state regulators. That’s what dormant accounts and unclaimed property are. Every financial institution should have a rock-solid procedure for dealing with these accounts and escheatment to the state. This webinar’s scenarios will awaken you to the attendant challenges and compliance issues.

After This Webinar You’ll Be Able To:

  • Distinguish when an account is deemed “dormant” for dormancy fee purposes versus escheatment purposes
  • Create procedures to keep accounts from becoming abandoned property that must be escheated to the state
  • Identify which unclaimed and abandoned property must be escheated to the state
  • Understand your institution’s responsibilities under the uniform unclaimed property laws
  • Determine in which states your institution is obligated to escheat property

Webinar Details
The financial industry’s procedures and practices regarding dormant accounts and unclaimed property have come under attack by state agencies which claim they are entitled to the escheatment of these accounts and property. Dormant accounts and unclaimed property are subject to complicated laws which can cause administrative problems for your institution. This webinar will explain the Uniform Unclaimed Property Act and the tools needed for financial institutions to evaluate their related procedures and practices. There will be a quick review of the basic rules before focusing on more advanced issues. Since escheat laws vary, this webinar will not cover state-specific escheat laws. However, you will be able to find your state-specific escheat laws by using the contact information provided.

Who Should Attend?
This informative session is designed for staff involved with dormant accounts and unclaimed property, including deposit operations personnel, safe deposit box staff, account service representatives, compliance officers, auditors, and managers.

Take-Away Toolkit

  • Contact information for the unclaimed property administrators in every state
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Elizabeth Fast, JD, CPA – Spencer Fane LLP

Elizabeth Fast is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions. Fast is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Final ATR/QM Rules: Guidance, ATR Options, & Policy Update

Do you have the new ATR/QM rules down pat? Now that the 43 percent DTI rule is gone, do you know what to do? This webinar will provide the details, options, sample policy, and best practices you need to comply with the final rules.

After This Webinar You’ll Be Able To:

  • Understand the requirements of the QM final rules
  • Determine which loans are affected by the ATR/QM rules
  • Define the qualified mortgage options and conditions for each
  • Use best practices and tools to determine a consumer’s ability to repay
  • Identify which institutions qualify as “small creditors” and which elements of the QM rules apply

Webinar Details
The ATR/QM rules require lenders to make a reasonable, good faith determination of a consumer’s ability to repay any residential mortgage loan. The original general QM rules provided that a borrower’s debt-to-income (DTI) ratio could not exceed 43 percent. However, as of October 1, 2022, financial institutions must adhere to the revised general QM definition which eliminates this restriction and replaces it with priced-based thresholds tiered to the loan amount and lien position.

This session will dive into the details of the final QM rules and provide best practices for how to ensure your policies and procedures accurately reflect the changes. It will also review the seven ability-to-repay (ATR) options and provide guidance on how to not only implement the new changes, but to strengthen your current ATR/QM compliance program.

Who Should Attend?
This informative session will benefit loan officers, loan operations personnel, compliance officers, and internal auditors.

Take-Away Toolkit

  • Sample policy language
  • Sample ATR worksheet
  • 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 agency 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 of 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
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