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Course description

While “you don’t know what you don’t know” in terms of recent lending compliance developments, you will still be held responsible for it. This is why a review of changes to the loan rules and Regs is important. You must confirm what you do know, and find out what you missed so these can be corrected.

Compliance Officers are still dealing with TRID.   In fact, many are still dealing with the math – what costs go where and what reimbursements have to be made and what if it was all the title company’s fault? There is a lot to address, plus 2019 has seen a few new and revised requirements. HMDA rules are being refined, Military lending is being defined by enforcement, and the flood rules are always a major problem and they changed too. And these are just three major examples that are enough to keep you busy all year. But wait, there’s more.

Many banks suffered regulatory penalties. There are valuable lessons to be learned from another bank’s mistakes and it may be your chance to tweak policies and procedures to avoid penalties under UDAAP, flood and various other penalties we can all learn from.

So what’s new, what’s different, and what do you need to focus on in 2020? This recap will help you answer these questions.

Here are a few of the things we’ll cover in this fast-paced two-hour review:

  • TRID updates
  • Appraisal changes
  • Flood insurance changes
  • HMDA updates
  • Lending to the military, SCRA and MLA – lessons learned
  • Fair lending
  • Debt collections
  • Regulatory manual updates 
  • Legal cases of interest
  • Regulatory penalties we can all learn from
  • And much more


WHO SHOULD ATTEND: This webinar is designed for everyone who manages and audits compliance and has lending related compliance responsibilities, including Compliance Officers, Auditors, Lenders, Loan Administration staff and senior management. 

Instructor(s)

Andy Zavoina

Mr. Andy Zavoina, CRCM, is an Executive Vice President with the Glia Group, Inc., best known for its involvement with BankersOnline.com. He joined Glia and BOL in 2003. Mr. Zavoina has been in finance and banking for over 42 years. Over 20 years were with a two-bank holding company that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He has done loan workouts, has been a consumer, commercial and real estate lender and managed those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks. Mr. Zavoina is a recipient of the American Bankers Association’s Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He is a past Chairman of the ABA’s Compliance Executive Committee, the Editorial Advisory Board for the ABA Compliance Magazine and served as a member of the ABA’s Compliance School Board. He is a BankersOnline Guru. He also served on the Texas Bankers Association's Compliance Committee. He is a graduate of the ABA National Commercial Lending School, National Compliance and National Graduate Compliance School and is a Certified Regulatory Compliance Manager with the Institute of Certified Bankers. He has written articles and lectured on compliance, the use of the internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations across the U.S. and teaches basic compliance and compliance management. You can reach Andy on the Internet by using his e-mail address, [email protected], or visiting http://www.bankersonline.com.

Course curriculum

  • 1

    Webinar

    • Access Webinar
  • 2

    Materials

    • Materials

    • Slides

    • Questions and Answers