oF ComplianCe Fund of Compliance WEB.pdf · 2015. 12. 11. · Tennessee Bankers Association is...
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2016 FUNDAMENTALS OF COMPLIANCE January 26-27, Knoxville | January 27-28, Nashville CUT THROUGH THE CLUTTER!
Transcript of oF ComplianCe Fund of Compliance WEB.pdf · 2015. 12. 11. · Tennessee Bankers Association is...
2016Fundamentals
oF
ComplianCeJanuary 26-27, Knoxville | January 27-28, Nashville
Cut through the Clutter!
day one speakerK. Natalie Straus, CRCM, is a vice president at Professional Bank Ser-vices, Inc. Straus received her undergraduate degree from Washington and Lee University in Lexington, VA, and her law degree from Ameri-can University, Washington College of Law, in Washington, DC. As a PBS consultant, Straus provides consulting services in compliance with an emphasis on deposit operations and issues. She performs consumer compliance and fair lending reviews, as well as HMDA data integrity reviews for clients of varying degrees of size and complexity. In addi-tion, Straus assisted one of PBS’s largest clients in the implementation of an enhanced home equity quality assurance program.
2016
FundamentalsoF
ComplianCe
day one - deposits
How to Ensure Compliance with Deposit Regulations This one-day seminar covers the latest changes in federal deposit regulations. Eliminate confusion by learning to interpret deposit compliance regulations. Ensure your deposit program is in compliance. Learn how to avoid costly penalties.
Deposit compliance is a complex topic that involves a significant number of employees at most financial institutions. The various federal laws and regulations relating to deposit compliance establish requirements for initial disclosures that must be given to new customers (and in some cases, upon request to inquiring noncustomers), periodic disclosures after the account is opened, overdraft disclosures and opt-in provisions, error resolution procedures including foreign transactions, and restrictions on advertising.
How to Ensure Compliance with Deposit Regulations provides a simple and effective way to bring key personnel up-to-date on current federal regulations. The major federal regulations governing deposits are explained by Straus in easy-to-understand language. Walk away knowing exactly what your institution needs to do to achieve total compliance.
Who Should AttendThis seminar will benefit compliance officers, auditors, cashiers, operations personnel, tellers, customer service representatives, and new accounts personnel. The program serves as a comprehensive introduction to new deposit employees and a refresher/new developments class for experienced deposit personnel.
Program LevelIntermediate
The ManualThe manual includes a plain language explanation of each regulation covered and is designed to serve as a continuing reference. Professional Bank Services, Inc. holds the copyright on the manual, and it is illegal to duplicate the book.
Day One TopicsCustomer Identification Procedures• Customer information required to open an account• Methods for verifying identity• CIP recordkeeping requirements
Regulation D• The implications of reserve requirements on deposit compliance• The types of accounts that are subject to transaction limitation rules• Requirements to monitor transactions and take action on accounts in violation
Electronic Funds Transfer Act/Regulation E• Initial disclosure and overdraft disclosure requirements• How to handle a customer’s stop payment request• When liability can be imposed on the customer for unauthorized transfers• How to comply with the error resolution procedures
day one Continued
Expedited Funds Availability Act/Regulation CC• Determine availability schedule for next-day and delayed availability institutions• Learn how and when to use case-by-case and exception holds• Initial notice and delayed availability notice requirements• Responsibilities when handling returned checks
Truth-in-Savings Act/Regulation DD• How to ensure accurate and consistent initial disclosures• What information must be on advertisements for deposit products• Subsequent and periodic disclosure requirements
Fair Credit Reporting Act Deposit Issues• What specifically is meant by “consumer report”• The only situations under which a consumer reporting agency may furnish a
consumer report• Critical steps you must follow if your institution takes adverse action based on a
consumer report• Key areas in which the FACT Act affects deposit accounts
Advertisement of Membership• Deposit insurance coverage, signs, and advertising requirements• The rules related to proper display of membership signs at offices• Permissible ways to broadcast your FDIC or NCUA membership• The types of advertisements that do not require an official FDIC or NCUA
statement• NCUA official sign, advertising statement, and exclusions from the advertising
requirements
Bank Sales of Noncredit Related Insurance• What you can – and can’t – do when selling an insurance product or annuity• Disclosures that must be made to a prospective buyer of an insurance product• Permissible ways to reward employees for generating insurance sales leads
Responding to Customer Complaints and Inquiries• The regulations with complaint and inquiry requirements• How to establish a system for responding to complaints
Unfair, Deceptive or Abusive Acts or Practices (UDAAP)• Determining what is unfair or deceptive• Determining what is abusive• Managing risk for advertisements and consumer complaints
Garnishment of Accounts Containing Federal Benefit Payments• Initial action upon receipt of garnishment order• Account review• Procedures to protect benefits• Notice to the account holder
day tWo - lending
2016 Introduction to Lending ComplianceCompliance is a fundamental issue for all financial institution personnel. The burden of comprehending the increasing list of federal regulations cannot be effectively placed on just one person or group of people.
Get the best information, first hand. Connell will teach you when a regulation is applicable, the financial institution’s general responsibilities, and how to use additional sources to deal with more complex situations or questions. You also will gain insight on how various regulations relate to each other and develop a clearer understanding of the regulatory framework. The seminar includes a separate, dedicated review of each compliance regulation affecting the lending process.
Who Should AttendThis seminar is an overview of compliance responsibilities imposed by the major regulations in the lending area, particularly consumer compliance. It is designed to meet the needs of lending officers and loan administration personnel. It is appropriate for those needing an introduction to lending compliance or more experienced personnel wanting a refresher course.
Program LevelBasic
The Manual
day tWo speakerAnetria Connell is a senior consultant at Professional Bank Services, Inc. Prior to joining the firm, she served as legal counsel to the Ken-tucky Department of Financial Institutions, which regulates depository, nondepository, and securities entities. Her primary responsibility at the department was the Dodd-Frank Act, where she assessed its effect on federal and state law, and provided information and training to exam-iners and staff. In addition to her regulatory experience, Connell prac-ticed business, real estate, and banking law. She graduated from The George Washington University Law School in 2004 and is licensed to practice law in Ohio and Kentucky.
The manual includes a plain language explanation of each regulation covered and is designed to serve as a continuing reference. Professional Bank Services, Inc. holds the copyright on the manual, and it is illegal to duplicate the book.
Day Two Topics• Truth-in-Lending Act/Regulation Z• RESPA/Regulation X• HMDA/Regulation C• Fair Credit Reporting Act/FACT Act-Regulation V• Flood Disaster Protection Act• Bank sales of insurance• Limitations on terms of consumer credit extended to service members and
dependents• Equal Credit Opportunity Act/Regulation B• Unfair, deceptive or abusive acts or practices
Plus These Focal Points• Prohibitions on discriminatory lending activity• Spousal signature rules• What questions are permitted during the application process• Permissible uses of consumer reports• Coverage and disclosure requirements for flood insurance• Coverage, exemptions, and mortgage disclosure requirements of Truth-in-Lending• Right of Rescission• Section 32 (HOEPA transactions) and 35 mortgages (Higher Priced Mortgage
Loans)• RESPA coverage, exemptions, and disclosures• Collection and reporting of HMDA data• Written and oral disclosures related to the sale of optional insurance• Coverage and disclosure rules for certain loans to service members and their
dependents• Standards of determining what is unfair, deceptive or abusive
general inFormationAttire: Business casual attire is appropriate for all TBA programs. Because of tempera-ture variations in meeting rooms, please bring a sweater or jacket for your comfort.
Program Availability: Due to hotel guarantees and material production, reservations received less than five days before the program will be subject to space and material availability.
Special Needs: If you have a special need that may affect your participation in this pro-gram, or special dietary requests, please send TBA a statement regarding any special need at least 10 days before the program. We will contact you to discuss accommodations.
Cancellation Policy: Cancellations received in the TBA office five business days prior to the scheduled program will be refunded in full. Due to commitments with hotels, cancellations received less than five business days prior to the scheduled pro-gram are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee.
Inclement Weather Policy: Cancellations due to inclement weather are refundable, minus a late cancellation fee of $50 for a one-day program and $75 for a two-day program. Please call the TBA office at 615-244-4871 or 800-964-5525 x 150 regard-ing the status of a program due to inclement weather. This will provide information concerning program status, cancellation fee, and refund requests. You may call the program site phone number listed in this brochure to check the status of the program.
Continuing eduCation Credit
Program Level - Intermediate/BasicAttendees qualify for 6.5 hours per day of Continuing Professional Educa-tion (CPE) credit in the area of Specialized Knowledge and Application. No prerequisites are required for this program. In accordance with the standards
of the National Registry of CPE Sponsors, CPE credits have been granted based on a 50-minute hour. For more information regarding administrative policies or complaints, please contact our offices at 615-244-4871.Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org
This program has not been pre-approved for ICB CE credits. Attendees who require ICB credits should go to www.aba.com/Training/ICB/Pages/
membercereview.aspx for further instructions.
For continuing education credit information, call the TBA education department at 800-964-5525 or 615-244-4871.
hotel inFormationTBA has not blocked hotel accommodations for this program. The hotels listed are close to the program site for those who need overnight accommodations. Please call the hotel for room rates and to make reservations.
Knoxville• Knoxville Marriott
500 Hill Avenue, 865-637-1234
• Holiday Inn Select 525 Henley Street, 865-522-2800
• Knoxville Hilton 501 West Church Avenue, 865-523-2300
Nashville• Fairfield Inn & Suites Downtown at the Gulch
901 Division Street, 615-690-1740
• Hampton Inn & Suites Elliston Place 2330 Elliston Place, 615-320-6060
• Hampton Inn Vanderbilt 1919 West End Avenue, 615-329-1144
• Millennium Maxwell House Hotel* 2025 Rosa L. Parks Boulevard, 615-259-4343 or 866-866-8086 Offers TBA corporate rates based on availability
• SpringHill Suites Nashville MetroCenter* 250 Athens Way, 615-244-5474 Offers TBA corporate rates based on availability
*closest to TBA Barrett Training Center
dates & loCationsJanuary 26 & 27, KnoxvilleUT Conference Center600 Henley Street, Knoxville, 37902865-974-0250
January 27 & 28, NashvilleTBA Barrett Training Center211 Athens Way, Nashville, 37228615-244-4871
registration Fee
Fees include instruction, comprehensive manual, continental breakfast, refreshment breaks, and lunch both days. No written confirmation of registration will be sent from TBA.
Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates.
Both days - same person Members / Associate Members Nonmembers
Early Registration $470 $940
Early registration deadline is January 12.
Registration $500 $970
Day-of-Program $550 $1,020
Single day Members / Associate Members Nonmembers
Early Registration $235 $470
Early registration deadline is January 12.
Registration $265 $500
Day-of-Program $315 $550
These meeting locations are designated nonsmoking facilities and properties.
For more information about this program, please contact:Penny [email protected] Bankers Association615-244-4871 or 800-964-5525, or visit www.TNBankers.org.
agenda Both days8:30 a.m. Registration/Continental Breakfast9:00 a.m. Program beginsNoon Lunch1:00 p.m. Program resumes4:00 p.m. Adjourn
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