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February 8, 2010 - The Non-Credit Card Provisions of the Fed's Credit CARD Act Final Rule Presented by Carl Pry   Time is short and the new final amendments to Regulation Z's open end credit rules are voluminous. The old amendments effective 7/1/10 have been rescinded, and combined and refined into the new rules. Significant parts of the new rules implementing provisions of the Credit CARD Act of 2009 carry a February 22, 2010, compliance date, and many of the new rule's provisions affect open end credit other than credit card accounts! So even if you don't issue credit cards, you need to know which provisions affect your institution, and whether you'll need to comply by 2/22/10 or by 7/1/10. Join Carl Pry as he covers only the rules changes that affect non-credit-card open end credit in this critically important two-hour presentation.
February 10, 2009 - Reg Z New Rules for Private Education Loans Presented by Jack Holzknecht and Mary Beth Guard   It’s time to get educated about private education loans. If your bank lends money for postsecondary educational expenses, and if any of those loans are not insured by the federal government, you have some fast catching up to do. New Regulation Z rules covering such loans will be effective on February 14, 2010, and your institution must decide whether you’ll continue to offer the loans or structure them so they don’t become subject to the new rules. To find out more about the new regulatory requirement and get the information you’ll need to keep your bank in compliance, join Mary Beth and Jack for this important and informative webinar.
February 16, 2010 - Gigantic Changes to Regulation Z Rules for Open-end Credit Presented by Jack Holzknecht and Mary Beth Guard Do you embrace change, or does it keep you awake at night? The pending regulatory changes affecting open-end credit are the stuff of nightmares! Whether you offer credit cards, HELOCs or other open-end credit, you’re facing new rules affecting disclosures, payments, changes in terms, billing, finance charges, notices … and much more. Virtually every aspect of open-end consumer lending will be affected. Join Mary Beth and Jack for this fast-paced information-packed presentation to learn what is changing, when, and how it will affect your institution’s practices.
February 16, 2010 - Regulation CC - After Fed Consolidation Presented by John Burnett  The culmination of the Federal Reserve System's consolidation of check processing regions has made profound changes in the impact of Regulation CC on depositary financial institutions. With the elimination of the nonlocal check come a lot of changes affecting disclosures and limits on case-by-case and exception holds. Find out what has changed, what is likely to change, and what remains unchanged in Regulation CC in its 22nd year, in this informative presentation by BOL Guru John Burnett.
February 17, 2010 - Cyber-Education/Awareness for your Customers – Requirements and Recommendations Presented by Andy Zavoina  Your bank has a website or uses email to contact customers. Having a presence in cyberspace means you have obligations to meet. Regulatory guidance requires financial institutions make and continue to make, efforts to educate their customers about the hazards facing them. This means you have an obligation to protect your customers in cyberspace. Banks are being sued because of their failure to meet this obligation and certainly criticism from regulators is a real possibility during exams. You must be proactive to make your customers aware of current threats as this is your best defense against fraud and identity theft. Taking reasonable steps to ensure that logon credentials are protected, multifactor authentication is in place and effective and that your customer knows how to identify spam and scams will save you money and preserve your reputation. With more customers opting for internet banking and e-delivery of banking information, their computers and smartphones become your tools for security. You must recognize what your requirements are, and what must be conveyed to your customers to comply with the spirit and intent of these rules.
February 18, 2010 - Auditing HMDA Making it Right Presented by Patricia Cashman  With change come mistakes, and this has been a year of change for HMDA. The October 1 rule change for rate spread reporting draws attention to the risk of errors in that one field in the HMDA Loan Application Register of reporting institutions. That and other key fields in the LAR and an institution's procedures for getting loans and applications reported have to be reviewed to ensure that lenders and loan processors "get it right." Attend this webinar to get the information you need to help lending institutions avoid HMDA civil money penalties or worse.
February 24, 2010 - RESPA - Lessons Learned: How to Complete the New Good Faith Estimate and Settlement Statements Presented by David Dickinson  Now that you've started using HUD's new GFE and HUD-1 forms, are you really comfortable with the new forms and requirements, or have you begun to realize what you still need to figure out? Sometimes the true impact of changes as significant as the new RESPA rule isn't truly felt until you've "lived" with them awhile. This webinar is a chance for a careful review of the requirements for completing the new RESPA forms with the benefit of a few weeks of experience under your belt.
February 25, 2010 - The Beginning Security Officer Presented by Barry Thompson  Do you suddenly find yourself cast in the role of Security Officer at your bank, and no one gave you a script? Whether you're new in the role or looking for a refresher on the basics, Barry Thompsons webinar for "The Beginning Security Officer" is the presentation you're looking for. You'll get key information on your role and the network of supporting characters you will need to ensure the success of your bank's security program.
March 1, 2010 - Social Networking - Compliance and Legal Implications Presented by Carl Pry Has your institution decided to join the social networking trend? Are you ready to set up a Facebook page and enlist "fans"? Before leaping into this new territory, be aware of the rules. Yes, there are rules even here in this new electronic frontier. And your bank's name may already be "out there," for good or for ill. Join Carl Pry as he explains the rules, the risks and the rewards of social networking for your institution, so you can be prepared to manage this new communications channel.
March 2, 2010 - All about Escrows Presented by David Dickinson With the approaching effective date for required escrows on Higher Priced Mortgage Loans, most banks will be setting up many more escrow accounts than in the past. Others will be managing escrow accounts for the first time. HUD's RESPA regulation includes detailed and complex requirements for how those escrow accounts are disclosed and managed. This webinar will provide all the information you need to ensure your institution's handling of escrow accounts complies with those rules.
March 3, 2010 - Top 25 HSA Issues for 2010: What Every Banker Should Know Presented by Whitney Johnson  Anything connected to the federal Tax Code has to be complicated, and Health Savings Accounts or HSAs are no exception. Your staff has to understand how these complex tax-favored products work before they can explain them to customers. With tax reporting season upon us and rules changes for 2010, now is the time to clear up misconceptions and grasp fundamentals. Learn from an acknowledged HSA expert in this information-packed two-hour presentation.
March 9, 2010 - Picky Little Details in Lending Compliance Presented by Andy Zavoina You've gotten through the big picture items in the recent amendments to Regulation Z, RESPA, flood, but it's the little things that can bite you. So many regulations have little nuances that slap a bank in the face during its exam. In this webinar, we look at the fine points of the changes, the small details that could too easily be overlooked when you're looking at the forest, and not the trees.
March 10, 2010 - Workplace Lessons from the Ft. Hood Tragedy Presented by Andy Zavoina 
March 11, 2010 - How Will Your Remote Deposit Capture Program Standup to Examiner Scrutiny? Presented by Susan Orr  Is your bank's Remote Deposit Capture Risk Management program ready for examiner scrutiny? Have you even had time to look at it? It has been a year since the FFIEC issued its Guidance, and there have been audits and exams. Get the latest on the status of efforts to publish examiner work programs for RDC, along with a review of the major exam and audit findings and much more that you can use to ensure your program is ready for an examiner's scrutiny.
March 15, 2010 - Fair Lending - Assessments on Risk and Performance Presented by Andy Zavoina, Rick Freer and Calvin Hagins   The simple truth is that fewer loans are being approved these days. Making sure lending discrimination isn't affecting the process is crucial and a fair lending risk assessment is your starting point. This program gives you a chance to hear from regulators what they're seeing in the way of fair lending violations, disturbing trends, inadvertent errors. This webinar will focus on fair lending responsibilities, how risk is identified, measured, and controlled. Ongoing monitoring techniques will be discussed, along with wrapping it up for the board, based not on what regulators want, but what the spirit and intent of these rules require.
March 16, 2010 - Construction Loan Compliance Rules Presented by Jack Holzknecht Residential construction lending is a complicated business made more complex by the special regulatory requirements that apply. Particularly if
construction lending isn't a routine part of your business, the unique nature of these loans can cause confusion and costly compliance mistakes. Jack Holzknecht's webinar on Construction Loan Compliance Rules will give you the information you need to clear away the confusion and avoid construction loan compliance mishaps.
March 17, 2010 - X Marks the Spot: Auditing for RESPA Presented by Patricia Cashman If you are planning for RESPA audits, you need to know the territory has changed, and you'll need a new map to find your way around in HUD's revised and complex Regulation X. With Pat Cashman as your guide in her presentation on Auditing for RESPA compliance, you'll soon have the tools you need to find your way through the RESPA maze.
March 18, 2010 - Opening Business Deposit Accounts: Documenting Existence and Authority Presented by Ken Golliher  This webinar provides simple explanations regarding sole proprietorships, partnerships, corporations, and limited liability companies. The program first focuses on how they are established; why the business owners might choose one form of business organization over another; and what documents the bank might reasonably require to verify a business' existence. It also addresses what types of documentation is necessary to establish signature authority over each type of business account. It identifies any applicable consumer protection laws, but does not include a detailed analysis of their requirements.
March 24, 2010 - Corporate Account Take-Over and Securing your Internet Banking Site! Presented by Paul Carrubba and Dan Fisher   Account takeovers can mean significant losses for your customer or your bank. You need to know how to best protect the bank from liability when a customer's account is compromised. Get information you can use to minimize your bank's exposure to account takeover losses in this important presentation from Paul Carrubba and Dan Fisher.
March 25, 2010 - Overdrafts - New ATM and Debit Card Rules Presented by John Burnett If you didn't register for the January session of this popular webinar concerning the new restrictions on overdraft fees for ATM and debit card transactions, we're offering a second live presentation. The new rules, with a July 1, 2010 compliance date, will have a profound effect on the overdraft services of most banks and credit unions, and could require operational and programming changes to ensure compliance with a new opt-in requirement. Join BOL Guru John Burnett as he analyzes the new rule and the steps you will need to take by July 1 and beyond to ensure compliance.
March 30, 2010 - BSA/AML/OFAC Policies: What should they include? How should we say it? Presented by Ken Golliher This webinar provides a methodical, organized approach to the development of written policies and procedures in support of three key compliance efforts. Attendees can compare their current documents for possible improvements or use the techniques they will learn from the program as the basis for simply starting fresh.
April 7, 2010 - INSIDER TIPS: Bank Secrecy Act Presented by Patricia Cashman You've reviewed and updated your BSA/AML/CIP risk assessments, tweaked your policies and redone your procedures. Where do you look for those final touches that will make your compliance program shine for examiners? Get some valuable insider tips from BOL Guru Patricia Cashman to help improve a compliance culture across your business lines, make sure your program documentation is current, and enhance your program. Pat will even help you find some helpful gems in the exam manual!
April 14, 2010 - Unfair/Deceptive=Big Trouble Presented by Andy Zavoina When something just doesn't "smell right," but isn't a blatant violation of a law or regulation, examiners and lawyers scrutinize the practice to see if it falls within the catchall category of Unfair or Deceptive Acts or Practices. Over the last ten years, financial institutions have collectively incurred fines of hundreds of millions for "UDAP" problems. This webinar examines what the law and rules say, examples of enforcement actions, changes in enforcement powers and strategies, and how to avoid violations.
April 20, 2010 - HOW TO: Auditing Bank-Controlled DDAs Presented by Patricia Cashman Internal, bank-controlled DDA accounts can expose your bank to significant losses if they are not properly identified and adequately controlled. Yet digging them up for review can be a daunting task in itself. Find out how to identify these potentially risky accounts and learn how to review and evaluate your bank's controls over them in this informative Patricia Cashman webinar.
May 12, 2010 - A_Z of Reg E Presented by Andy Zavoina Reg E has changed and as you "sell" debit cards, claims increase. If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Answer "Yes" to all the above. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. We will discuss the changes in Reg E that concern you now, we'll review what has to be done to investigate a claim made more than 60 days after the debit or statement, and if you can deny a claim because the customer refuses to file a police report. We'll also dispel the myths that you can require the merchant to resolve the claim first and that family members can't steal money - from your bank.
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