Training on Demand

Type of Participant

Cost

Premium Member

$175

Non-Premium Member

$175

• Audit and Compliance Department Training

  Bank-wide Compliance + Top 10 Compliance Mistakes - Training on Demand Non-Member Price: $250.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Do you ever wonder if other financial institutions are making the same mistakes you seem to be finding? Have you corrected something only to find it has happened again? Or worse, are you waking up in the middle of the night wondering what you are missing while tackling all of the new regulatory changes? If you find you have more work than hours in the day and don’t know where to focus your efforts, you won’t want to miss this webinar! During this one hour session, you will learn the most common compliance mistakes and how to correct them. What You Will Learn: Common lending compliance mistakes Common deposit compliance mistakes Common compliance management program mistakes Best practices for correcting mistakes Tips for preparing a corrective action process Who Should Attend: Compliance and audit personnel, lending and deposit operations, and management Qty:     Contact us for more information on this Product + ADA Requirements for ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Department of Justice has issued final rules regarding the Americans with Disabilities Act (ADA) and automated teller machines (ATMs). These final rules require new standards for accessibility to ATMs by impaired customers. These rules cover such items as voice guidance, height and reach requirements, input devices, numerical keypads, function keys, display screen, and Braille instructions. This webinar will provide guidance on the specifics of the rule, what modifications may be required, what ATMs should be modified to comply with these new rules and the practical impact of complying with these rules. What you will learn: The new ADA regulations that apply to ATMs What ATMs must be modified When an institution must comply with these rules The practical impact of these rules Target Audience: Compliance Officers, Risk Managers, Human Resources, Auditors, Operations Management Qty:     Contact us for more information on this Product + Advertising Rules for Deposit and Non-Deposit Investment Products - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Advertising regulations can be traps for the unwary. Regulations limit what can be stated in an advertisement and also mandate what must be disclosed. Do you know how to craft a compliant deposit advertisement? When can you say “free” in an ad? What are the regulations for advertising non-deposit investment products? We will discuss the regulatory guidance that governs advertisements for deposit products, including the use of the words “free” and “profit.” We will also cover advertising requirements related to non-deposit investment products and FDIC membership. We will touch on matters relating to UDAP in connection with advertisements. What You will Learn: What must be included in a deposit advertisement? What limitations are imposed on the use of the term “free” or “profit” in an advertisement? What is required in an advertisement of non-deposit investment products? Specific requirements for advertising overdraft protection products How UDAP rules generally impact advertisements Target Audience: Compliance officers, auditors, marketing personnel, risk officers, deposit and loan operations employees. Qty:     Contact us for more information on this Product + Affiliates and Sharing with Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with affiliates, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers' information for marketing purposes Affiliate sharing Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard you are held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Inconsistencies in affiliate-sharing and the new privacy notices. Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product + Compliance Best Practices for 2012 - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Kick off 2012 on the right foot! 2011 was a very busy year and who can keep? We’ve compiled your issues and problems from your compliance questions, and we’ve compiled several best practices for you to take away from this session. Join our entire panel of experts as we discuss best practices that you can employ within your institution so that you don’t spend 2012 hiding under 2011’s problems!. We will cover the following Best Practices: Update your risk assessment Reviewing and updating policies and procedures Training Documentation Monitoring for compliance Compliance management program Who Should Attend: Senior management, compliance and audit personnel Qty:     Contact us for more information on this Product + CRA - Defining Your Assessment Area and Maintaining the Public File - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have there been changes to your financial institution’s footprint? Has your financial institution’s CRA Assessment Area been reviewed recently? You should review your Assessment Area for potential changes before the examiners change it for you. Do you know what information should be contained in the CRA public file? Are you keeping your financial institution’s public file up to date? This session will provide information on defining the Assessment Area, adjusting Assessment Area as needed, and keeping the CRA public file up to date. What you will learn: How to define the Assessment Area Factors to be consider in defining the Assessment Area Why adjustments should be made to the Assessment Area Requirements for maintaining CRA public file Target Audience: CRA Officers, compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product + Criminal Penalties in Statutes - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Because there are very few criminal sanctions in the banking arena, a financial institution and its employees could be lulled into a false sense of believing that that if they cross the line - “it’s only money.” The fact is, there are criminal sanctions available to law enforcement and every financial institution employee is subject to them from senior management to the newest employee. This webinar will give an overview of the most common criminal sanctions, how to be aware of them, and what you can do to protect against them. What you will learn: How to inform yourself about possible criminal sanctions Why are some acts subject to criminal penalties versus civil penalties What are the most common areas subject to criminal sanction Who can face criminal penalties What steps you can take to help prevent occurrence Who should attend: Compliance managers, BSA/AML personnel, loan personnel, auditors Qty:     Contact us for more information on this Product + Customer Identification Programs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Is your Customer Identification Program compliant? Are you meeting the minimum requirements and utilizing it to its full capability not only in the BSA/AML context, but also in connection with Identity Theft and Internet gambling? Make sure your CIP is on the right track and you are using it to its full capabilities to minimize customer identification issues in your institution.  What You Will Learn: Minimum CIP requirements CIP requirements for natural persons CIP for businesses Leveraging CIP in connection with Identity Theft Leveraging CIP in connection with Internet gambling Target Audience: BSA Officers, Compliance Officers, Deposit Operations managers, Loan Operations managers, management, and audit personnel? Qty:     Contact us for more information on this Product + FCRA and Your Obligations as an Information Furnisher - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Fair Credit Reporting Act and FACT Act are not only still alive, but they're still kicking, with new programs and requirements still arising periodically. The newest in the growing list of FCRA/FACTA requirements is the new set of required policies and procedures under Regulation V to handle consumer disputes about consumer report information, and to ensure the accuracy and integrity of information that is furnished to consumer reporting agencies. This session will walk through the new policies and procedures that all furnishers will be required to have, procedures that are encouraged by the regulators, and more that may be on the way! Who Should Attend: Compliance Officers, Risk Managers, Auditors, Chief Credit Officers, Lending Management Qty:     Contact us for more information on this Product + FCRA Identity Theft & Address Discrepancy Red Flag Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: After years of waiting, we have regulations for the red flag identity theft requirements under the Fair Credit Reporting Act, as amended by the FACT Act. In this session, we'll take a look at your requirements to establish an Identity Theft Prevention Program, and the policies and procedures you're expected to develop to deal with discrepancies in customer addresses.  What you Will Learn: When a financial institution is required to develop an Identity Theft Prevention Program The required and expected components of Identity Theft Prevention Programs How institutions are required to identify and deal with address discrepancies Target Audience: Compliance and audit personnel, Deposit and Loan Operations, Management   Qty:     Contact us for more information on this Product + FDIC Insurance in a Dodd-Frank World - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In today’s world, you have so many new compliance rules to learn all thanks to the Dodd- Frank Wall Street Reform and Consume Protection Act. Several years ago, you would have thought nothing of your FDIC insurance because it was relatively unchanged. That isn’t the case anymore! Because of bank failures, the economy, and the general distrust of the U.S. financial system, there isn’t a single rule that has been left untouched. The regulations on FDIC insurance are no exception. In 2008, the FDIC began its moderate restructuring of FDIC insurance, along with the Temporary Liquidity Guarantee Program to develop the structure we have today. We will discuss all of the requirements, expiration dates, sign requirements, and rules for sweep accounts in this session. We will also cover the basics of how FDIC coverage works. This session will be offered in two parts. We will spend the first session explaining basic FDIC coverage and advertising membership, and break for questions and answers. We will then go right into the second session on the current status of FDIC insurance. What you will learn: Session 1:     The basic rules of coverage How coverage can be maximized for deposit accounts Where FDIC signage needs to be placed and advertising membership Coverage of unique products Session 2: The history of recent FDIC insurance changes The state of FDIC insurance today under Dodd-Frank Sweep accounts and other insured accounts Who Should Attend: Compliance officers, auditors, marketing personnel, risk officers and deposit operations employees Qty:     Contact us for more information on this Product + Getting Ready for a Compliance Examination - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you wondering why there?s a Web session on preparing for an examination? Compliance examinations can be an expensive undertaking, in both your time and your institution's condition. However, the experience can be more of an investment than an expense if you prepare in advance. Preparing for a compliance examination will not only assist the examiners, but also ensure that you have a better understanding of your job and increase your value to your organization. Through open communication and cooperation, you can expect a straight answer to the basic question: ?How am I doing?? By working together, you and the examiners are more likely to discover ways to improve efficiency and minimize errors. Plus, you?ll have happier examiners! Your cooperation in supplying the needed information will contribute greatly to the speed with which the examiners can do their work and get out of your way. Sign up for this Web session and find out how you can be better prepared! What You Will Learn: Overview of a typical compliance examinations Best practices for examination preparation What to do before, during and after an examination Common pitfalls to avoid Target Audience:  Compliance and audit personnel and any other personnel that interact with examiners Qty:     Contact us for more information on this Product + Money Services Business and Privately Owned ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Money Services Business and Privately Owned ATMs – Things you were afraid to know and were scared to ask about financial institutions’ obligations and duties In this session, we will discuss Money Services Businesses and associated obligations and duties of Financial Institutions that service MSBs. We will also discuss the new rules for stored value cards – strike that – prepaid access cards. We will conclude with a discussion on privately owned ATMs. What You Will Learn: What is a Money Services Business What are the financial institution’s due diligence obligations How are prepaid access devices treated under the new rules What is a privately owned ATM Ways to mitigate risks of banking MSBs and privately owned ATM customers Target Audience:  BSA Officers, Compliance Officers, Deposit Operations managers, management, and audit personnel Qty:     Contact us for more information on this Product + OFAC and 314a Obligations and Duties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you confused about financial institution's obligations and duties under the Office of Foreign Asset Control laws and regulations? Do all the acronyms leave you dazed and confused? If you have not updated your OFAC compliance program, risk assessment and reviewed internal controls lately, this program will offer guidance to assist you before the examiners walk through the door. This session will also review your obligations and reporting requirements under Section 314(a) of the USA PATRIOT Act. What You Will Learn: The different OFAC sanctions programs What transactions should be blocked or prohibited Tips for your OFAC compliance program  Updating the OFAC risk assessment and maintaining internal controls Records to be searched under 314(a)  Who Should Attend: Compliance and audit personnel, deposit operations, and management Qty:     Contact us for more information on this Product + Privacy - Sharing with Nonaffiliated Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with nonaffiliated entities, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with nonaffiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers’ information for marketing purposes Nonaffiliate sharing inconsistencies Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard are you held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product + Regulation GG: Your Obligations to Stop Unlawful Internet Gambling - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Haven't heard of Regulation GG? It's the regulation that implements the requirements to identify and prohibit unlawful internet gambling under the SAFE Port Act, and it goes into effect in 2009! What You Will Learn: Who is covered by Regulation GG, What customers and transactions are at risk for unlawful internet gambling, Policy and procedure requirements, and When you have to have your program in place. Target Audience: Compliance officers, compliance and audit staff, risk management Qty:     Contact us for more information on this Product + Regulation W - Relations With Affiliates Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Given the current climate in the financial services industry, it’s important to be familiar with the rules of Regulation W if you have affiliates and conduct transactions with those affiliates. Section 23A of Regulations W requires transactions between a financial institution and its affiliates to be on terms and conditions consistent with safe and sound banking practices. Section 23B of the regulation requires that certain transactions be consistent with market terms and conditions. However, the provisions and some of the interpretations of the rules are extremely technical making this seemingly easy regulation a very difficult one to master. To keep you insulated from civil liability, criminal penalty and administrative sanctions, you need to be aware of the technical requirements of the rules. You will also need to understand any Dodd-Frank implications for you in affiliate transactions. This session is designed to address all the issues surrounding transactions with affiliates that are allowed and not allowed. What You Will Learn: Overview of Sections 23A and 23B The roles of affiliates versus non-affiliates Valuation and timing rules to determine amounts of transactions Limitations of transactions between entities What are the covered transactions and exceptions Little known special rules and exceptions Technical guidance of quantitative limits and collateral requirements Who Should Attend: Loan officers, chief financial officers, accounting staff, operations and loan staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules.   Qty:     Contact us for more information on this Product + SAFE Act Live Update - Training on Demand (Live Q & A's Included) Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: We will bring you up to date on where things stand now as far as the implementation of the SAFE Act. We will cover: A quick recap of the background and coverage of the SAFE Act A review of who in your institution will be considered to be a Mortgage Loan Originator (“MLO”)        - Why the current vague MLO definition will cause problems        - What the two alternate approaches are to defining position descriptions relative to MLOs A summary of what your institution’s obligations are under the SAFE Act Administrative and structural issues the SAFE Act raises Where you can go to obtain additional detailed guidance with respect to registration of your MLOs The timing of getting all of your MLOs registered We will also provide plenty of time for live questions and discussions relating to what the rules require of your institution and what your options are for how you approach your compliance responsibilities. Target Audience: This webinar is for compliance personnel dealing with mortgage related lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective mortgage loan customers. Qty:     Contact us for more information on this Product + SAFE Mortgage Act Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Regulations implementing the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (aka the “SAFE Act”) go mandatory October 1, 2010. The Act and its implementing regulations will, over time, reshape the way mortgage products are delivered to your customers. While the new Mortgage Loan Originator (MLO) registration requirements in the rules have been delayed until an unannounced date (currently expected to be near the middle of 2011), there is much you can and should do now to prepare for the full impact of the SAFE Act. You have decisions to make, policies and procedures to create, internal recordkeeping systems to design, standards to create and many, many people to train. What You Will Learn: What the full impact of the new rule is What choices you have to make regarding your staffing What you can start doing immediately to get ready Who Should Attend: Compliance Officers, Chief Credit Officers, Mortgage Lending Management, Consumer Lending Management, Loan Officers and Other Lending Staff. Individuals in charge of Human Resources Management should also be encouraged to attend. Qty:     Contact us for more information on this Product + Setting Up a Compliance Program - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you wondering how to startup a compliance program in your institution? This session will guide you step-by-step on the organizational structure required to get you on your way to establishing a comprehensive and successful compliance program. During the course of this session, we will tackle such topics as defining your job, determining the financial institution’s present compliance status and of course, working with your Board of Directors. These and other primary topics are discussed to give you a clear and concise direction on developing your program and the resources required to be successful in your institution. What You Will Learn: Startup – defining your job Assembling the resources Initial prioritization of your work Explaining the regulations Selected problems Working with your Board of Directors Who Should Attend: New compliance officers, senior management, and compliance personnel charged with developing a compliance program. Qty:     Contact us for more information on this Product + The Remote Deposit Capture Assessment - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Guidance from the FFIEC suggests that Remote Deposit Capture (RDC) must be viewed as a delivery system. The associated risks of this delivery system must be understood and quantified by any financial institution offering RDC to their customers. In this webinar on “The Remote Deposit Capture Assessment,” we will discuss the FFIEC guidance and how a financial institution can assess the risks associated with this product, including compliance risks. We will address the technology aspects that allow customers to initiate deposits from their premises. We will also look at risk management techniques that can help an institution assess merchant environments, the combined operation for processing remote deposits, and the contractual agreement between a financial institution and a commercial customer. What You Will Learn: Relevant points of interest regarding the FFIEC RDC assessment guidance The elements of an RDC Risk Assessment How to conduct an RDC Risk Assessment Target Audience:  Risk management, lending and compliance personnel at financial institutions that offer, or are considering offering, Remote Deposit Capture Qty:     Contact us for more information on this Product + Unfair or Deceptive Acts or Practices: A Refresher for Dodd-Frank Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The government is on a continuing quest to eliminate "predatory lending" and any perceived unfair or misleading actions or ongoing practices by financial institutions that would contribute to the financial bewilderment of the consumer. Various agencies have over the years issued regulations and commentary, restricting (and sometimes instructing) financial institutions on permissible ways and means of dealing with consumers and financial institution customers. In July 2010 the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), which reinforces and supplements the traditional rules. What You Will Learn: What types of acts and practices are traditionally covered by the UDAP guidance and rules  What the Dodd-Frank Act requires How to conform your practices to address the various UDAP requirements Who Should Attend: This webinar should be attended by audit, compliance, credit administration, and other personnel responsible for deposit and loan compliance management in your institution. Qty:     Contact us for more information on this Product

  Deposit-side Compliance + ADA Requirements for ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Department of Justice has issued final rules regarding the Americans with Disabilities Act (ADA) and automated teller machines (ATMs). These final rules require new standards for accessibility to ATMs by impaired customers. These rules cover such items as voice guidance, height and reach requirements, input devices, numerical keypads, function keys, display screen, and Braille instructions. This webinar will provide guidance on the specifics of the rule, what modifications may be required, what ATMs should be modified to comply with these new rules and the practical impact of complying with these rules. What you will learn: The new ADA regulations that apply to ATMs What ATMs must be modified When an institution must comply with these rules The practical impact of these rules Target Audience: Compliance Officers, Risk Managers, Human Resources, Auditors, Operations Management Qty:     Contact us for more information on this Product + Advertising Rules for Deposit and Non-Deposit Investment Products - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Advertising regulations can be traps for the unwary. Regulations limit what can be stated in an advertisement and also mandate what must be disclosed. Do you know how to craft a compliant deposit advertisement? When can you say “free” in an ad? What are the regulations for advertising non-deposit investment products? We will discuss the regulatory guidance that governs advertisements for deposit products, including the use of the words “free” and “profit.” We will also cover advertising requirements related to non-deposit investment products and FDIC membership. We will touch on matters relating to UDAP in connection with advertisements. What You will Learn: What must be included in a deposit advertisement? What limitations are imposed on the use of the term “free” or “profit” in an advertisement? What is required in an advertisement of non-deposit investment products? Specific requirements for advertising overdraft protection products How UDAP rules generally impact advertisements Target Audience: Compliance officers, auditors, marketing personnel, risk officers, deposit and loan operations employees. Qty:     Contact us for more information on this Product + Affiliates and Sharing with Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with affiliates, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers' information for marketing purposes Affiliate sharing Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard you are held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Inconsistencies in affiliate-sharing and the new privacy notices. Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product + Compliance for Regulation DD - Deposit Disclosures - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: You've heard about the Overdraft Protection Amendments to Regulation DD, and you've been given advertising requirements. But what else is there to Regulation DD? A lot more! All your account disclosure requirements and subsequent disclosure requirements are here and simplified for your bank to comply with on a daily basis. Does your bank provide traditional deposit products and some non-traditional deposit products, or are you confused about what disclosures to provide and when? Hear and see Regulation DD broken down step-by-step in one hour. What You Will Learn: The types of accounts covered under Regulation DD What a new account is for disclosure purposes The disclosures provided for each type of account at account opening Which types of changes to account disclosures require subsequent disclosures What a Regulation DD periodic statement is and when it is required What the CD disclosure rules are Target Audience: Heads of deposit operations, technology managers, new accounts personnel, compliance personnel, and auditors Qty:     Contact us for more information on this Product + Customer Identification Programs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Is your Customer Identification Program compliant? Are you meeting the minimum requirements and utilizing it to its full capability not only in the BSA/AML context, but also in connection with Identity Theft and Internet gambling? Make sure your CIP is on the right track and you are using it to its full capabilities to minimize customer identification issues in your institution.  What You Will Learn: Minimum CIP requirements CIP requirements for natural persons CIP for businesses Leveraging CIP in connection with Identity Theft Leveraging CIP in connection with Internet gambling Target Audience: BSA Officers, Compliance Officers, Deposit Operations managers, Loan Operations managers, management, and audit personnel? Qty:     Contact us for more information on this Product + Discretionary Overdraft Programs in 2011 - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Discretionary overdraft programs have been through the regulatory wringer in the last few years. Practically every aspect of your discretionary overdraft program, including developing it, managing it, disclosing it, and allowing customers to utilize it, is under scrutiny. This webinar will provide a good overview of the recent regulations and guidance that govern discretionary overdraft programs. Learn what examiners will be expecting of you, and the practical and impractical challenges of the recent regulations and guidance.  What You Will Learn: • The Regulation E rules relating to the opt in requirements, • The Regulation DD rules relating to the disclosure of overdraft fees, • The FDIC Overdraft Payment Supervisory Guidance.Who Should Attend Target Audience: Compliance Officers, Risk Managers, Auditors, Deposit Operations Management Qty:     Contact us for more information on this Product + Dispute Resolution Under Regulation E - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Consumer disputes arising from unauthorized electronic transactions seem to be on the rise. We have all experienced claims of unauthorized activity that left us with suspicions and the bank without money. Knowing the rules and having procedures designed to provide the bank with a blueprint for a thorough investigation of the allegations, will allow you to respond confidently to these disputes, providing credit when appropriate and properly responding to the consumer when your investigation reveals no error occurred. What you Will Learn: What is an error for Regulation E purposes  Who is covered by Regulation E Time periods for dispute resolution under Regulation E When to issue provision credit and what to do with it when the investigation is complete What to do when you don't believe your customer's story How VISA and MASTERCARD rules for dispute resolution differ  Target Audience: Compliance Officers, Bank Auditors, Risk Officers and Deposit Operations Employees Qty:     Contact us for more information on this Product + FDIC Insurance in a Dodd-Frank World - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In today’s world, you have so many new compliance rules to learn all thanks to the Dodd- Frank Wall Street Reform and Consume Protection Act. Several years ago, you would have thought nothing of your FDIC insurance because it was relatively unchanged. That isn’t the case anymore! Because of bank failures, the economy, and the general distrust of the U.S. financial system, there isn’t a single rule that has been left untouched. The regulations on FDIC insurance are no exception. In 2008, the FDIC began its moderate restructuring of FDIC insurance, along with the Temporary Liquidity Guarantee Program to develop the structure we have today. We will discuss all of the requirements, expiration dates, sign requirements, and rules for sweep accounts in this session. We will also cover the basics of how FDIC coverage works. This session will be offered in two parts. We will spend the first session explaining basic FDIC coverage and advertising membership, and break for questions and answers. We will then go right into the second session on the current status of FDIC insurance. What you will learn: Session 1:     The basic rules of coverage How coverage can be maximized for deposit accounts Where FDIC signage needs to be placed and advertising membership Coverage of unique products Session 2: The history of recent FDIC insurance changes The state of FDIC insurance today under Dodd-Frank Sweep accounts and other insured accounts Who Should Attend: Compliance officers, auditors, marketing personnel, risk officers and deposit operations employees Qty:     Contact us for more information on this Product + Getting Ready for a Compliance Examination - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you wondering why there?s a Web session on preparing for an examination? Compliance examinations can be an expensive undertaking, in both your time and your institution's condition. However, the experience can be more of an investment than an expense if you prepare in advance. Preparing for a compliance examination will not only assist the examiners, but also ensure that you have a better understanding of your job and increase your value to your organization. Through open communication and cooperation, you can expect a straight answer to the basic question: ?How am I doing?? By working together, you and the examiners are more likely to discover ways to improve efficiency and minimize errors. Plus, you?ll have happier examiners! Your cooperation in supplying the needed information will contribute greatly to the speed with which the examiners can do their work and get out of your way. Sign up for this Web session and find out how you can be better prepared! What You Will Learn: Overview of a typical compliance examinations Best practices for examination preparation What to do before, during and after an examination Common pitfalls to avoid Target Audience:  Compliance and audit personnel and any other personnel that interact with examiners Qty:     Contact us for more information on this Product + Money Services Business and Privately Owned ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Money Services Business and Privately Owned ATMs – Things you were afraid to know and were scared to ask about financial institutions’ obligations and duties In this session, we will discuss Money Services Businesses and associated obligations and duties of Financial Institutions that service MSBs. We will also discuss the new rules for stored value cards – strike that – prepaid access cards. We will conclude with a discussion on privately owned ATMs. What You Will Learn: What is a Money Services Business What are the financial institution’s due diligence obligations How are prepaid access devices treated under the new rules What is a privately owned ATM Ways to mitigate risks of banking MSBs and privately owned ATM customers Target Audience:  BSA Officers, Compliance Officers, Deposit Operations managers, management, and audit personnel Qty:     Contact us for more information on this Product + Privacy - Sharing with Nonaffiliated Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with nonaffiliated entities, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with nonaffiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers’ information for marketing purposes Nonaffiliate sharing inconsistencies Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard are you held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product + Proposed Regulation CC Amendments - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Since it consolidated all the Federal Reserve Bank check processing regions into one, rendering the concept of “nonlocal check” as obsolete as the flintlock musket, the FRB is only now getting around to eliminating the references to that term in Regulation CC. While they were there, they proposed rules to induce more institutions to clear checks electronically. Under the proposals, a depositary financial institution would not be entitled to expeditious returns of bounced checks unless it agrees to receive them electronically. A paying financial institution effectively would be allowed to compel other financial institutions to present checks to it electronically. Incidentally, the safe-harbor period for an exception hold would be reduced to four business days. Consistent with their general trend to make disclosure more “readable”, the FRB has revised 13 of the model forms in Appendix C to the regulation to try to improve their readability for consumers. What You Will Learn: Details of the proposed changes, including required use of electronic methods Their likely effects on your institution’s operations The new forms the FRB is introducing Facts on which you may base any comments you’d like to give the FRB (which are due June 3) Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. **Please Note: This Training on Demand is included in the Funds Availability Solutions Toolset ("FAST") on CD-ROM. You do not need to order this separately if you have already ordered the FAST disc or have plans to. Qty:     Contact us for more information on this Product + Protecting Your Bank Against Fraudulent and Counterfeit Items Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection.  Description: We have all witnessed the increase in fraudulent items being presented for payment at banks. This web session will focus on how handle suspicious items to protect your bank and what recourse you have when a fraudulent item slips through. We will discuss Regulation CC exception holds, the Uniform Commercial Code, and common sense steps you can take to minimize the risk from fraud.  What You Will Learn: - Proper use of exception holds under Regulation CC - Common fraudulent check scams and scenarios - What to do when you suspect a check is fraudulent - What to do when a fraudulent "on us" check is presented at your bank for payment - How to take an item for collection Target Audience:  Compliance and audit personnel, Tellers, Deposit Operations, and Accounting   Qty:     Contact us for more information on this Product + Regulation GG: Your Obligations to Stop Unlawful Internet Gambling - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Haven't heard of Regulation GG? It's the regulation that implements the requirements to identify and prohibit unlawful internet gambling under the SAFE Port Act, and it goes into effect in 2009! What You Will Learn: Who is covered by Regulation GG, What customers and transactions are at risk for unlawful internet gambling, Policy and procedure requirements, and When you have to have your program in place. Target Audience: Compliance officers, compliance and audit staff, risk management Qty:     Contact us for more information on this Product + Regulation R - Sales of Securities - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: What is Regulation R? How does Regulation R interact in the compliance framework? During this session, we will explore Regulation R and its scope. We will also look at how and whether it applies to your institution. We will review the types of non-deposit investment activities that are covered under Regulation R and explain the implications of Regulation R for institutions falling within its reach. We will also discuss referral compensation and the new rules set in the regulation. If you are wondering whether you are covered, we will also identify activities that do not fall within Regulation R's coverage. What you Will Learn: What is appropriate referral compensation and how should an institution set the standards? What activity is not covered under Regulation R? Other Compliance Implications Ways to avoid operating losses when dealing with ACH debits and credits  Target Audience: Compliance officers, bank auditors, risk officers, management, branch administrators, and trust department personnel Qty:     Contact us for more information on this Product + Regulation W - Relations With Affiliates Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Given the current climate in the financial services industry, it’s important to be familiar with the rules of Regulation W if you have affiliates and conduct transactions with those affiliates. Section 23A of Regulations W requires transactions between a financial institution and its affiliates to be on terms and conditions consistent with safe and sound banking practices. Section 23B of the regulation requires that certain transactions be consistent with market terms and conditions. However, the provisions and some of the interpretations of the rules are extremely technical making this seemingly easy regulation a very difficult one to master. To keep you insulated from civil liability, criminal penalty and administrative sanctions, you need to be aware of the technical requirements of the rules. You will also need to understand any Dodd-Frank implications for you in affiliate transactions. This session is designed to address all the issues surrounding transactions with affiliates that are allowed and not allowed. What You Will Learn: Overview of Sections 23A and 23B The roles of affiliates versus non-affiliates Valuation and timing rules to determine amounts of transactions Limitations of transactions between entities What are the covered transactions and exceptions Little known special rules and exceptions Technical guidance of quantitative limits and collateral requirements Who Should Attend: Loan officers, chief financial officers, accounting staff, operations and loan staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules.   Qty:     Contact us for more information on this Product + Sending Things Back - Returned Checks and Deadlines - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your bank from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Deposit operations can be a lovely place to work when all is going well. But if somebody somewhere fouls up, the job can quickly become unpleasant, not just for the people there, but for the financial institution’s bottom line. Some mistakes carry liability not just for the amount of the item in question, but for consequential damages to customers of other institutions you’ve never met. In their usual plain-English style, the experts at FIS Regulatory Advisory Services pull together the various rules from multiple sources into one concise presentation. The outline will be a valuable tool in your work, and the sources of the rules are cited for future use by you and your counsel. What You Will Learn: Risks in remote deposit capture Stopping payment on cashier’s checks When returning is optional versus mandatory Who’s liable on a forgery of which signature Remotely created (“Authorized by your depositor”) checks Stale- and post-dated checks The most troublesome return reasons Wrongful dishonor liability Target Audience: Deposit operations personnel, compliance officers, branch managers, customer service representatives, auditors Qty:     Contact us for more information on this Product + The Remote Deposit Capture Assessment - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Guidance from the FFIEC suggests that Remote Deposit Capture (RDC) must be viewed as a delivery system. The associated risks of this delivery system must be understood and quantified by any financial institution offering RDC to their customers. In this webinar on “The Remote Deposit Capture Assessment,” we will discuss the FFIEC guidance and how a financial institution can assess the risks associated with this product, including compliance risks. We will address the technology aspects that allow customers to initiate deposits from their premises. We will also look at risk management techniques that can help an institution assess merchant environments, the combined operation for processing remote deposits, and the contractual agreement between a financial institution and a commercial customer. What You Will Learn: Relevant points of interest regarding the FFIEC RDC assessment guidance The elements of an RDC Risk Assessment How to conduct an RDC Risk Assessment Target Audience:  Risk management, lending and compliance personnel at financial institutions that offer, or are considering offering, Remote Deposit Capture Qty:     Contact us for more information on this Product + Unfair or Deceptive Acts or Practices: A Refresher for Dodd-Frank Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The government is on a continuing quest to eliminate "predatory lending" and any perceived unfair or misleading actions or ongoing practices by financial institutions that would contribute to the financial bewilderment of the consumer. Various agencies have over the years issued regulations and commentary, restricting (and sometimes instructing) financial institutions on permissible ways and means of dealing with consumers and financial institution customers. In July 2010 the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), which reinforces and supplements the traditional rules. What You Will Learn: What types of acts and practices are traditionally covered by the UDAP guidance and rules  What the Dodd-Frank Act requires How to conform your practices to address the various UDAP requirements Who Should Attend: This webinar should be attended by audit, compliance, credit administration, and other personnel responsible for deposit and loan compliance management in your institution. Qty:     Contact us for more information on this Product

  Lending Compliance + A Primer on Current RESPA Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: This session covers all of RESPA’s basics from what transactions are covered by RESPA and what the exemptions are, to what aspects of mortgage lending are impacted by RESPA’s detailed template for real estate lending. What You Will Learn: What loan transactions are covered by RESPA What exemptions from coverage are provided What partial exemptions are provided for open-end credit RESPA’s standards for GFE disclosures and what types of fees have to be included RESPA’s allowance for using average costs when disclosing certain settlement charges Servicing transfer disclosure requirements When making loans When actually transferring servicing Escrow accounting requirements Initial disclosures Annual analysis requirements Handling of shortages, deficiencies and surpluses The most dangerous part of RESPA’s rules – Section 8 What the rule restricts What it exempts How to avoid costly Section 8 problems Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. Qty:     Contact us for more information on this Product + A Primer on Flood Insurance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Flood determinations, insurance coverage, servicing requirements...wish there was a place to get a good understanding of all of the flood insurance rules?  Now there is.  Whether flood insurance is new to you, or you just need to brush up on your knowledge, this session provides a good foundational understanding of the flood insurance rules, including: When the flood rules apply; What property is insurable; How insurance is calculated; Recent changes to the flood insurance rules for construction loans, manufactured homes and condominiums; Flood insurance requirements during servicing of a loan; and Force placement rules. Who Should Attend: Senior management, compliance officers, risk management, loan officers, loan processing and loan servicing personnel, and auditors Qty:     Contact us for more information on this Product + Account Opening Disclosures - Open-End Credit (Not Home Secured) - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Because of the Credit CARD Act, all open-end consumer credit, other than home secured credit must have account opening disclosures that are uniform in message to consumers applying for that product. They sound simple but try to draft or review these for compliance, and your head starts to spin – does it go in a table, does it go in a box, does need to be bolded, does it go in standard font? Find out as we go through the how to’s of the account opening disclosures for open-end (not home secured credit). What You Will Learn: How to create/review these disclosures for compliance How to understand the regulation for variances in disclosures based on product When the disclosure needs to be delivered What parts of the disclosures are considered substantive for purposes of subsequent disclosures Penalties for non-compliance Target Audience: Compliance personnel, lenders, retail personnel, management Qty:     Contact us for more information on this Product + Advertising Closed & Open-End Consumer Credit - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this fourth installment of our series on the new final changes to Regulation Z, we explore some of the more detailed requirements of the new and complex advertising rules for closed and open-end products, dwelling and non-dwelling secured.   What You Will Learn: The new rules for advertising closed-end adjustable rate mortgages disguised as "fixed" rate products The newly defined seven deadly sins of unfair and deceptive acts and practices The new open-end rules for dwelling and non-dwelling secured credit products Target Audience Compliance Officers, Lenders, Marketing Personnel, and Management Qty:     Contact us for more information on this Product + Affiliates and Sharing with Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with affiliates, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers' information for marketing purposes Affiliate sharing Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard you are held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Inconsistencies in affiliate-sharing and the new privacy notices. Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product + An Introduction to the Community Reinvestment Act - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have you recently been promoted to CRA Officer for your financial institution and wonder what CRA is? Do you know the difference between the examination categories? Do you know what examiners will look for during your CRA examination? This session will provide you with basic information on CRA and how to maintain your program. What you will learn: Basics of CRA The different examination categories The performance standards How to prepare for a CRA examination Myths Who should attend: CRA Officers, compliance and audit personnel, and management. Qty:     Contact us for more information on this Product + Appraisals 2011 - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Accurate valuation of collateral has always been an important part of any successful lending endeavor. And given the extreme rollercoaster ride that property values have been on the last few years, it should come as no surprise that the accuracy and integrity of your appraisal and evaluation process has become a focal point of regulatory concern. Recently, the agencies have been busy strengthening and modernizing their guidance on appraisals and evaluations. Regulation Z was updated to enhance the value of appraisals used in principal dwelling secured transactions and the Interagency Appraisal and Evaluation Guidelines have received a complete and total makeover to help provide better guidance. What You Will Learn: In this session, you will learn what the new appraisal/evaluation expectations are and how to structure your lending operations to comply with the revised expectations. We will cover: The appraisal regulations The newly overhauled Interagency Appraisal and Evaluation Guidelines, The appraisal rules now included in Regulation Z. Target Audience: Lending, compliance, and audit personnel involved in real estate lending who need to be aware of these revised appraisal/evaluation expectations or who are involved in the mortgage loan origination process. Qty:     Contact us for more information on this Product + CERCLA Requirements and What They Mean for Lenders - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Until now, lenders have assumed an exempt status under CERLCA when acting as the secured lender for borrowers purchasing potentially contaminated environmental sites. Why bother with CERCLA when it didn't bother with you? For all commercial loans secured by real property, a lender would conduct a cursory review of public records, perhaps inspect the property prior to loan closing, and that was it. But under the new CERLA changes that went into effect November 1, 2006, a lender's exempt status may not remain so clear. CERCLA mandates that potential buyers conduct Phase I environmental investigations on real property prior to loan closing in order for a buyer (your borrower) to claim the innocent landowner defense. So what does this ultimately mean for lenders? Sing up for this training session and find out! What You Will Learn: A summary of what CERCLA is What the CERCLA Amendments are and when they go into effect How the CERCLA changes can impact your lending practices What these changes mean for borrowers What these changes could mean for lenders in the foreclosure process Who Should Attend: Branch managers, CSRs, compliance managers, loan operations, commercial lenders, and auditors Qty:     Contact us for more information on this Product + Completing RESPA's Good Faith Estimate ("GFE") Form - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: This session will cover all of the essentials you need to be aware of in order to deal effectively with the preparation of RESPA’s Good Faith Estimate Forms. We cover: The purpose and content of the GFE form The information you need to be able to properly prepare the form A how-to primer on the completion of each section of the form An overview of how the GFE and HUD forms link to each other A brief summary of tolerance standards that apply to the different sections of the form Target Audience: This webinar is for compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. Qty:     Contact us for more information on this Product + Completing RESPA's HUD-1 Form - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: This session covers the basics of proper completion of HUD’s HUD-1 settlement statement form.  You will learn: The content and purpose of each defined section of the form, What information is needed for the preparation of each section of the form and the basics of how to complete each section, Some of the problem areas that make proper completion tricky and areas where HUD still needs to provide additional guidance on proper form completion, and How the GFE and HUD-1 forms link to each other.  Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. In addition, this session is helpful for settlement agents and those involved in either preparation of or explaining of HUD-1 and GFE forms to loan customers. Qty:     Contact us for more information on this Product + Compliance Aspects of Defaulted Real Estate Loans - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: You’ve seen in the news how mistakes on state law issues, such as not reading the documents before signing foreclosure papers, can foul up a loan collection, right? Learn how to avoid the pitfalls brought on by federal compliance laws regarding bad (or going-bad) real estate loans. What must you continue to do after the borrower defaults? What can you stop doing? At what stage in the process? Some of the answers may surprise you. Let the surprises come here, inexpensively, in the safety of a webinar, rather than at great expense and embarrassment in a courtroom. The entire presentation is done in FIS’s usual plain-English style. What You Will Learn: That there is a federal appointee paid on commission to defeat your liens The pitfalls when you add obligors to a loan Things to avoid as you negotiate When you may pull credit on whom HMDA angles to commercial restructurings Environmental issues and risk Bank Secrecy Act and deteriorating loans What to do about deceased borrowers Who Should Attend: Workout personnel, compliance staff, loan officers, loan operations personnel, auditors Qty:     Contact us for more information on this Product + Compliance for Illegal Discrimination and Regulation B - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Regulation B prohibits discrimination in a credit transaction on an illegal basis. Regulation B violations can be more costly than violations of any other regulation. This seminar will include a comprehensive discussion of what constitutes illegal discrimination, steps that your bank can take to prevent illegal discrimination, and methods to monitor your bank's credit process to detect illegal discrimination if it should occur. Target Audience: Loan officers, persons in credit administration, fair lending officers and compliance officers Qty:     Contact us for more information on this Product + CRA - Defining Your Assessment Area and Maintaining the Public File - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have there been changes to your financial institution’s footprint? Has your financial institution’s CRA Assessment Area been reviewed recently? You should review your Assessment Area for potential changes before the examiners change it for you. Do you know what information should be contained in the CRA public file? Are you keeping your financial institution’s public file up to date? This session will provide information on defining the Assessment Area, adjusting Assessment Area as needed, and keeping the CRA public file up to date. What you will learn: How to define the Assessment Area Factors to be consider in defining the Assessment Area Why adjustments should be made to the Assessment Area Requirements for maintaining CRA public file Target Audience: CRA Officers, compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product + Customer Identification Programs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Is your Customer Identification Program compliant? Are you meeting the minimum requirements and utilizing it to its full capability not only in the BSA/AML context, but also in connection with Identity Theft and Internet gambling? Make sure your CIP is on the right track and you are using it to its full capabilities to minimize customer identification issues in your institution.  What You Will Learn: Minimum CIP requirements CIP requirements for natural persons CIP for businesses Leveraging CIP in connection with Identity Theft Leveraging CIP in connection with Internet gambling Target Audience: BSA Officers, Compliance Officers, Deposit Operations managers, Loan Operations managers, management, and audit personnel? Qty:     Contact us for more information on this Product + Dealing Effectively With RESPA's "Cure" Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Although it is literally oxymoronic to use a word like “tolerance” in connection with a set of rules that are as unforgiving as are RESPA’s rules for tolerances and cures, RESPA does provide lenders with a little bit of “wiggle room” when making settlement cost disclosures on Good Faith Estimates of loan settlement charges. But the rules are very confusing and poorly explained by HUD, so this session will help you understand how much tolerance you have and how to “cure” errors when they occur. You will learn: What the tolerance standards are for settlement cost accuracy, Zero tolerance categories, 10% aggregate tolerance categories, and Categories for which no tolerance standards are provided How “cures” for over-charges are to be properly shown on HUD-1 and 1A forms, How cures differ based on when the cure is given (at closing, or after closing), How cures and reimbursements interact with Regulation Z disclosures and with Regulation Z reimbursement standards, What documentation needs to be maintained in connection with tolerances and cures, and What customer communications are expected. Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. In addition, this session is helpful for mortgage loan settlement agents. Qty:     Contact us for more information on this Product + Dealing Effectively With RESPA's Changed Circumstances Rule - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Because in life, things change and your disclosures often should as well, HUD’s changed circumstances rules have become an important part of getting RESPA’s GFE and HUD-1 forms completed properly. The changed circumstances rules are complex, poorly explained by HUD, and dangerous to your profitability if you don’t follow them carefully. So, we have created this session to help you deal effectively with RESPA’s changed circumstances requirements. You will learn: The regulatory definition of changed circumstances, What the pitfalls and dangers are of not responding appropriately to them, Practical ways to distinguish when you do and when you don’t have changed circumstances, What you can and can’t change on your GFE disclosures as a result of changed circumstances, and How to document changed circumstances so our examiners don’t second-guess your disclosure changes. Target Audience: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. In addition, this session is helpful for mortgage loan settlement agents. Qty:     Contact us for more information on this Product + Escrow and You: The Basics of What You Need to Know - Updated - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this session, we will cover the basics of escrow for institutions that either escrow occasionally or are new to the escrow process as set forth in RESPA. Even if you escrow all the time, this course will serve as a refresher in the basics. We will cover the fundamental rules under RESPA and the how to's for the initial and annual escrow disclosures. The session will also address other compliance issues such as escrows for flood insurance, taxes and hazard insurance and requirements for escrowing for higher-priced mortgage loans, and other considerations that could develop from the origination of a loan through to the servicing. What You Will Learn: What the initial and annual disclosure requirements are, and the contents of those disclosures The basic principles of escrow Other compliance issues with escrow Why you may need to escrow  Who Should Attend: Compliance personnel, audit personnel, loan servicing personnel Qty:     Contact us for more information on this Product + Getting Ready for a Compliance Examination - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you wondering why there?s a Web session on preparing for an examination? Compliance examinations can be an expensive undertaking, in both your time and your institution's condition. However, the experience can be more of an investment than an expense if you prepare in advance. Preparing for a compliance examination will not only assist the examiners, but also ensure that you have a better understanding of your job and increase your value to your organization. Through open communication and cooperation, you can expect a straight answer to the basic question: ?How am I doing?? By working together, you and the examiners are more likely to discover ways to improve efficiency and minimize errors. Plus, you?ll have happier examiners! Your cooperation in supplying the needed information will contribute greatly to the speed with which the examiners can do their work and get out of your way. Sign up for this Web session and find out how you can be better prepared! What You Will Learn: Overview of a typical compliance examinations Best practices for examination preparation What to do before, during and after an examination Common pitfalls to avoid Target Audience:  Compliance and audit personnel and any other personnel that interact with examiners Qty:     Contact us for more information on this Product + HMDA for Commercial Lending - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: HMDA compliance is difficult enough when all you do is “cookie cutter” retail mortgage lending, but it can become a downright daunting task when you throw in the twists and turns that come when you venture into commercial lending. So we have created a training session targeted specifically at the issues that often make reporting commercial transactions difficult. We will look at how the retail and commercial lending processes flow differently, how to determine which commercial transactions are reportable and which are not, and then go field by field through the loan application register looking at the specifics of how to correctly report information for commercially related transactions. What You Will Learn: Learn what the rules are for identifying and correctly reporting commercial transactions on the HMDA/LAR. Understand some of the specific areas where reporting institutions often go astray when handling commercial reporting responsibilities and how to avoid making those types of mistakes in your institution. We will explain: What the rule requires Why commercial loan reporting tends to be handled wrong in many institutions What specific types of transactions are and are not reportable What data elements tend to cause errors in reporting and what unique things need to be considered when reporting commercial transactions Who Should Attend: Compliance, Audit, and Loan Operations personnel Qty:     Contact us for more information on this Product + Home Equity Lines of Credit in Today's Market - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: For a number of years, home equity lines of credit were the hottest consumer lending product around. But recent changes in the market and new regulatory guidance make offering home equity lines of credit more challenging than ever. What You Will Learn: New and renewed guidance on the risks and examiner expectations with respect to home equity lines of credit, What actions you're allowed to take to protect your collateral, and how you should take it, and How the new changes to Regulation Z affect your HELOC lending practices Target Audience: Compliance officers, risk managers, senior management and lenders Qty:     Contact us for more information on this Product + How to Perform a HMDA Scrub - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Home Mortgage Disclosure Act (HMDA) requires depository and non depository lenders to collect and publicly disclose information about housing related loans to determine whether financial institutions are adequately serving their communities' housing finance needs. HMDA is one of the shortest regulations, yet one of the most confusing for compliance and lending staff. In recent years regulators have increasingly imposed Civil Money Penalties (CMPs) for repeat violations of HMDA. In this session you will learn “How to Perform a HMDA Scrub” to ensure your HMDA data is accurate for March 1st, 2012 submission. What You Will Learn: How to use the “Guide to HMDA Reporting, Getting it Right”. HMDA’s purpose, data collection, reporting and disclosure requirements. The types of loans transactions reported on your HMDA LAR. Step by Step instructions for each field reported. What to expect when you submit your HMDA LAR. Who Should Attend: Compliance Officers, Lending Personnel, Loan Operations, Loan Servicing Qty:     Contact us for more information on this Product + Impacts of Increased Coverage Limits within Regulation Z and M - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: It’s been a long time coming, and a long time needed! The coverage limits for both Regulation Z and M are increased to $50,000 instead of $25,000. What does this mean for your products? Which products are impacted? We will discuss coverage of both regulation, and what products are traditionally impacted. We will also discuss compliance concerns as they apply to closed- and open-end credit, and leases that fall under Regulation M. What You Will Learn: What is covered under the coverage threshold for both regulations What the exemptions are to the coverage threshold for Regulation Z What the exemptions are to coverage from Regulation M How your loan products are impacted through initial and subsequent disclosures Who Should Attend: Compliance officers, audit personnel, loan officers, lending operations and servicing Qty:     Contact us for more information on this Product + John Warner National Defense Authorization Act Rules on Protecting Service Members and their Dependents - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Our government is on a continuing crusade to eliminate “predatory lending” – even if it can’t seem to figure out precisely how to define it. The John Warner rules attempt to keep creditors from “preying” on America’s military members and their dependents. As institutions struggle to make small dollar loans, find out how these rules may impact your institution. What You Will Learn: What types of “consumer loans” are covered by the rules Who is protected by the rules and what must be done to identify covered persons Additional disclosures that are required in connection with covered transactions Contract limitations that apply to covered transactions How to structure loan products to avoid coverage What the penalties are for non-compliance Who Should Attend: Audit, compliance, credit administration, and other personnel responsible for loan compliance management in your institution Qty:     Contact us for more information on this Product + Modern Day Lending with Risk Based Pricing - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Successful lenders learn to effectively manage all forms of credit risks. One of the ways that lenders traditionally have managed lending risks is by charging riskier borrowers higher prices in order to compensate for the loan losses that inevitably come from those (hopefully few) borrowers who fail to repay their loans as agreed. Over time, information derived from credit reports has become a critical factor in helping lenders to determine with greater precision the amount of risk they are facing when evaluating prospective borrower requests. Enter the Risk-Based Pricing rules which require creditors to disclose certain information about consumer reports to consumers. In this session we will navigate the implementing rules under the Fair and Accurate Credit Transaction Act of 2003 (also known as the "FACT Act") and the Dodd-Frank Act as it pertains to the requirements of institutions to provide Risk-Based Pricing notices. What You Will Learn: Learn what the rules on risk-based pricing requires a regulated financial institution to do to implement and develop their own risk-based pricing notices. We will explain: What the rule requires When you have to give a risk-based pricing notice Which risk-based pricing notice you are required to provide How to establish your credit standards for risk-base pricing notices The alternative to providing risk-based pricing notices How and when the notices must be delivered Who Should Attend:  Compliance and audit personnel, Loan Operations Qty:     Contact us for more information on this Product + Mortgage Loan Originator Compensation Rules - What you Can and Can't Pay For - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this ever-changing world of regulatory compliance where each day meets with new compliance challenges, even the way you pay people is the subject of regulation. Financial institutions will now need to address how they compensate mortgage loan originators. While yield spread premiums may not affect all institutions, every financial institutions compensates its loan originators in one way or another, and some of the things you may have compensated originators for in the past are no longer permitted. Identify potential problem areas in your institutions and understand what you must have in place, and what procedures you must change in order to be compliant. What You Will Learn: Who is a mortgage loan originator What the rules say you can and cannot do with regard to compensation What is steering, how to identify it, and some practical tips for eliminating it Target Audience: Compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product + Privacy - Sharing with Nonaffiliated Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with nonaffiliated entities, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with nonaffiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers’ information for marketing purposes Nonaffiliate sharing inconsistencies Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard are you held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product + Proposed Servicing Settlement Agreement in the Action Against Servicers Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Numerous State Attorneys General and the U.S. Department of Justice together have brought actions against the nation’s largest mortgage servicing institutions, alleging improper practices in mortgage servicing and foreclosure. A 27-page draft settlement proposal was leaked and carries implications for any institution that services mortgages or initiates foreclosures. Two of our compliance attorneys, one with years of experience as an in-house attorney for financial institutions, the other a former Assistant Attorney General with years of prosecutorial experience, have studied the proposed settlement and will discuss its provisions from both industry and prosecutorial perspectives. Some of the proposal’s provisions appear innocuous (“Don’t lie on affidavits!”), others could impose radical changes on your practices. The proposal has met resistance and may be revised before adoption. What You Will Learn: What’s in the proposal (or final agreement, as the case may be at air time Recommendations for changes in servicing practices that the agreement (proposed or final) may impose on innocent institutions who are not parties to the action. What parts of it we believe you may safely ignore What parts we believe will require you to change your servicing policies and procedures By what date you must comply Target Audience: Real estate lending officers, collection personnel, inside and outside auditors, compliance officers, inside and outside counsel. Qty:     Contact us for more information on this Product + Regulation W - Relations With Affiliates Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Given the current climate in the financial services industry, it’s important to be familiar with the rules of Regulation W if you have affiliates and conduct transactions with those affiliates. Section 23A of Regulations W requires transactions between a financial institution and its affiliates to be on terms and conditions consistent with safe and sound banking practices. Section 23B of the regulation requires that certain transactions be consistent with market terms and conditions. However, the provisions and some of the interpretations of the rules are extremely technical making this seemingly easy regulation a very difficult one to master. To keep you insulated from civil liability, criminal penalty and administrative sanctions, you need to be aware of the technical requirements of the rules. You will also need to understand any Dodd-Frank implications for you in affiliate transactions. This session is designed to address all the issues surrounding transactions with affiliates that are allowed and not allowed. What You Will Learn: Overview of Sections 23A and 23B The roles of affiliates versus non-affiliates Valuation and timing rules to determine amounts of transactions Limitations of transactions between entities What are the covered transactions and exceptions Little known special rules and exceptions Technical guidance of quantitative limits and collateral requirements Who Should Attend: Loan officers, chief financial officers, accounting staff, operations and loan staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules.   Qty:     Contact us for more information on this Product + Regulation Z Rules: Mortgage Loan Payment Disclosures - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Two new rules - 1 easy way to learn about them. One of the purposes of the Truth in Lending Act is to provide meaningful disclosure of credit terms to enable consumers to compare credit terms available in the marketplace more readily and avoid uninformed use of credit. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of any changes to the rules and these new requirements. The massive changes to various compliance laws and regulations continue. One of the most recent are the significant changes to Regulation Z regarding two new rules that go into effect January 2011. One of the rules will have an impact on the contents of the “Fed Box” disclosure on mortgage loans. Although the other change may only have a minor impact on your operations, you still need to be aware of this requirement. As financial institutions adapt to all these various regulatory changes make sure you are one of the successful ones to get a heads up on these changes coming down the pipeline. What You Will Learn:  How to implement certain provisions of the Mortgage Disclosure Improvement Act of 2008 (MDIA). The notice requirements that need to be provided to consumers. How to replace the current payment schedule with the new interest rate and payment summary tabular format disclosure. Who Should Attend: Loan processors, auditors, loan officers, compliance personnel and other individuals in your loan operations areas that are affected by the new rules. Qty:     Contact us for more information on this Product + Regulation Z: The Ins and Outs of the Early TIL - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this session, we explore the early disclosure requirements under Regulation Z and the Housing and Economic Recovery Act’s Mortgage Disclosure Improvement Act and try to unravel the mystery of when you must disclose and redisclose the early TIL. What You Will Learn: The types of transactions that require the early TIL The fee restrictions associated with disclosing the early TIL The time periods associated with disclosing and/or re-disclosing the early TIL Under what circumstances must the early TIL be re-disclosed Who must receive the early TIL Record retention requirements for the early TIL Who Should Attend: Compliance and audit personnel, risk officers, loan operations, lenders, and management Qty:     Contact us for more information on this Product + Reporting 2011 HMDA Data Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: HMDA reporting is a perennial source of questions, errors, and civil money penalties. We will describe the loan applications that must be included on the Loan Application Register and for each loan, the information that must be included. What You Will Learn: The definitions critical to accurate HMDA reporting, including dwelling, home improvement, refinance, prequalification, temporary financing, and more…  Which loan applications are reportable, which are optionally reportable, and which should not be reported The information that must be included for each reported loan application Any new regulatory changes that may be forthcoming! The massive changes to HMDA that Dodd-Frank will bring! Target Audience:  Compliance and audit personnel, Loan Operations Qty:     Contact us for more information on this Product + RESPA - Overview of the New Final Regulations - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The regulators continue to rock our worlds with more huge changes to the lending regulations. Learn what changes HUD has put in place with its new final RESPA regulation, including: The new mortgage servicing transfer disclosure and timing requirements for it, The new allowable cost calculation for settlement services, The new Good Faith Estimate and HUD-1 settlement statement forms, and the host of new requirements, accuracy tolerances and fee restrictions that accompany the new GFE, and When the new changes become effective. Target Audience: Compliance and risk management staff, lending management, auditors, lenders and loan processing personnel Qty:     Contact us for more information on this Product + Restitution, Payment Schedules, and the Latest APR Win Software - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Restitution in lending still continues to be a “great mystery” to management and loan personnel at financial institutions throughout the country. Institutions continue to struggle with how to properly calculate the restitution or even whether restitution should be made. Now with the recent changes to Regulation Z, additional problems present themselves in determining how to calculate payments let alone restitution. One of those recent changes is the new interest rate and payment summary tables and you will need to understand how they will affect the calculation of restitution. This session will take you step-by-step through the Office of the Comptroller of the Currency’s Windows-based version of the Annual Percentage Rate program (APRWIN v6.2 - Released May 2008). This tool for verifying APRs and reimbursement adjustments includes relevant finance charge and APR tolerances for verifying the accuracy of APRs and finance charges on loans, including loans secured by real estate or a dwelling. What you will learn: NEW Interest Rate and Payment Summary Tables What information do you use? Regular and irregular transactions Construction and construction/perm loans What standard are you held to? Target Audience: Loan operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product + Right of Rescission - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The right of rescission was written in 1968 in very broad terms to remedy a particular abuse that is rare today. Because of bureaucratic inertia and timidness, it survives to plague millions of modern credit extensions that never would have prompted, and do not deserve, such an extreme remedy. The Truth in Lending Act says one thing about it, Regulation Z says something very different, and the Official Commentary just adds to the confusion. Learn the correct way to handle this regulatory dinosaur and how to let borrowers who really need a waiver do it in a way that's relatively safe for your bank. What You Will Learn: What loans are exempt from rescission Which customers get to rescind What days count as "business days"  How long the rescission right continues if you don't give correct disclosures How to handle rescission when adding a security interest to an existing loan How to handle a customer's request to waive the right to rescind Who Should Attend:                           Branch managers, commercial and consumer lenders, real estate lenders, loan processors, auditors, compliance personnel Qty:     Contact us for more information on this Product + SAFE Act Live Update - Training on Demand (Live Q & A's Included) Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: We will bring you up to date on where things stand now as far as the implementation of the SAFE Act. We will cover: A quick recap of the background and coverage of the SAFE Act A review of who in your institution will be considered to be a Mortgage Loan Originator (“MLO”)        - Why the current vague MLO definition will cause problems        - What the two alternate approaches are to defining position descriptions relative to MLOs A summary of what your institution’s obligations are under the SAFE Act Administrative and structural issues the SAFE Act raises Where you can go to obtain additional detailed guidance with respect to registration of your MLOs The timing of getting all of your MLOs registered We will also provide plenty of time for live questions and discussions relating to what the rules require of your institution and what your options are for how you approach your compliance responsibilities. Target Audience: This webinar is for compliance personnel dealing with mortgage related lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective mortgage loan customers. Qty:     Contact us for more information on this Product + SAFE Mortgage Act Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Regulations implementing the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (aka the “SAFE Act”) go mandatory October 1, 2010. The Act and its implementing regulations will, over time, reshape the way mortgage products are delivered to your customers. While the new Mortgage Loan Originator (MLO) registration requirements in the rules have been delayed until an unannounced date (currently expected to be near the middle of 2011), there is much you can and should do now to prepare for the full impact of the SAFE Act. You have decisions to make, policies and procedures to create, internal recordkeeping systems to design, standards to create and many, many people to train. What You Will Learn: What the full impact of the new rule is What choices you have to make regarding your staffing What you can start doing immediately to get ready Who Should Attend: Compliance Officers, Chief Credit Officers, Mortgage Lending Management, Consumer Lending Management, Loan Officers and Other Lending Staff. Individuals in charge of Human Resources Management should also be encouraged to attend. Qty:     Contact us for more information on this Product + The Average Prime Offer Rate - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Since its "birth announcement" in Regulation Z's final rules, the entire financial services industry has been eagerly awaiting its arrival. It had, after all, a pre-ordained place in the regulatory scheme with large sections of Regulation Z's revised rules designed to be triggered (or not) based upon the spread between it and a loan's final annual percentage rate. "It" is Federal Reserve's new "Prime Offer Rate" which will become an integral part of Regulation Z and Regulation C's rules on October 1, 2009. Now that Fed has started publishing this new index, the lending industry needs to learn what to do with it. We will discuss the use of this new index in detail in this webcast.  What You Will Learn: What "it" is Where to find information about it when you need to How to use it to comply with: Regulation Z's new rules relating to high rate mortgage loans, and  HMDA's rules for reporting rate spreads   Target Audience: Loan officers, loan operations personnel, auditors, compliance personnel and others involved in creating, understanding, or in quality assuring loan disclosures and HMDA reporting. Qty:     Contact us for more information on this Product + The Remote Deposit Capture Assessment - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Guidance from the FFIEC suggests that Remote Deposit Capture (RDC) must be viewed as a delivery system. The associated risks of this delivery system must be understood and quantified by any financial institution offering RDC to their customers. In this webinar on “The Remote Deposit Capture Assessment,” we will discuss the FFIEC guidance and how a financial institution can assess the risks associated with this product, including compliance risks. We will address the technology aspects that allow customers to initiate deposits from their premises. We will also look at risk management techniques that can help an institution assess merchant environments, the combined operation for processing remote deposits, and the contractual agreement between a financial institution and a commercial customer. What You Will Learn: Relevant points of interest regarding the FFIEC RDC assessment guidance The elements of an RDC Risk Assessment How to conduct an RDC Risk Assessment Target Audience:  Risk management, lending and compliance personnel at financial institutions that offer, or are considering offering, Remote Deposit Capture Qty:     Contact us for more information on this Product + The Servicemember's Civil Relief Act ("SCRA") 101 - What You Need to Know - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this session, we will explain the six percent rule, and all of the other basic requirements of the Servicemember's Civil Relief Act (“SCRA”) that you should know but didn't. We will also briefly discuss the extension of the Housing and Economic Recovery Act (“HERA”) that went into effect January 1, 2011, and its effect on the SCRA. To complete the session, we will discuss HUD's notice to service members and service members’ dependents for delinquent mortgage payments already in effect. To keep the session to one hour, we will not discuss the impact of the six percent rule under other regulations such as Regulation Z. What You Will Learn: What a lender's obligations are under the SCRA and HUD How the six percent rule works What is "active duty" and when a service member has given the right notice What happens under the SCRA if litigation ensues Who Should Attend: Compliance and Audit personnel, Loan Operations, Accounting Qty:     Contact us for more information on this Product + Unfair or Deceptive Acts or Practices: A Refresher for Dodd-Frank Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The government is on a continuing quest to eliminate "predatory lending" and any perceived unfair or misleading actions or ongoing practices by financial institutions that would contribute to the financial bewilderment of the consumer. Various agencies have over the years issued regulations and commentary, restricting (and sometimes instructing) financial institutions on permissible ways and means of dealing with consumers and financial institution customers. In July 2010 the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), which reinforces and supplements the traditional rules. What You Will Learn: What types of acts and practices are traditionally covered by the UDAP guidance and rules  What the Dodd-Frank Act requires How to conform your practices to address the various UDAP requirements Who Should Attend: This webinar should be attended by audit, compliance, credit administration, and other personnel responsible for deposit and loan compliance management in your institution. Qty:     Contact us for more information on this Product

• BSA/AML Training

  + Compliance for Bank Secrecy Act Risk-Rating - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Risk rating has become the regulatory buzzword for the 21st Century. The problem is the regulators sometimes use it as an excuse to avoid giving specific recommendations. With terrorist financing and money laundering being front-page topics, bankers have to get specific, and develop documented risk rating techniques that are both practical for an institution that's supposed to turn a profit for its stockholders and publicly defensible if something bad happens. The BSA/AML Examination Manual's materials on risk rating were recently revised. In this updated version of our popular 2006 webinar, we bring together the revised manual and the main agency pronouncements and turn their generalities into real-world action items for your bank. What You Will Learn: Changes made by the regulatory agencies in the BSA/AML Examination Manual that affect your bank's risk rating process  Factors that raise risks of money laundering or terrorist financing  The regulators' views on high-risk activities, customers, and locations  Techniques for assigning risk ratings  Systematic approaches to doing and documenting what is required at reasonable cost Target Audience: Risk managers, international bankers, Bank Secrecy Act officers, heads of deposit operations, auditors, compliance personnel Qty:     Contact us for more information on this Product

  + Compliance for Dealing With Foreign Customers - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: This session will discuss the various deposit and loan issues that arise when bankers deal with foreign customers, including the difficulties of applying CIP procedures to foreign customers and handling foreign transactions under the Bank Secrecy Act and OFAC rules. We will also address fair lending issues, such as how immigration status and nationality affect credit decisions, as well as the various IRS rules that affect how and what information needs to be reported about foreign customers, and when foreign customers need taxpayer ID numbers or Form W-8BEN.  What You Will Learn: What identification information should be obtained from foreign customers How to deal with opening deposit accounts and executing transactions for foreign customers How to handle loan applications from foreign customers What tax requirements accompany dealing with foreign customers Target Audience: Compliance and audit personnel, Deposit Operations, Loan Operations, Accounting Qty:     Contact us for more information on this Product

  + CRA - Defining Your Assessment Area and Maintaining the Public File - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have there been changes to your financial institution’s footprint? Has your financial institution’s CRA Assessment Area been reviewed recently? You should review your Assessment Area for potential changes before the examiners change it for you. Do you know what information should be contained in the CRA public file? Are you keeping your financial institution’s public file up to date? This session will provide information on defining the Assessment Area, adjusting Assessment Area as needed, and keeping the CRA public file up to date. What you will learn: How to define the Assessment Area Factors to be consider in defining the Assessment Area Why adjustments should be made to the Assessment Area Requirements for maintaining CRA public file Target Audience: CRA Officers, compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product

  + CTR Exemptions - What They are and Can They Work for you? - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this session, we will cover the how tos of exempting your customers under Phase I or Phase II for CTR filings. We will discuss the types of exemptions, whether you should or shouldn’t exempt your customers, and some unique scenarios that may pop up. We will also identify the requirements for renewals, amendments and other considerations when it comes to exemptions from CTR filings. What You Will Learn: The purposes and distinctions between Phase I and Phase II exemptions When you can and should exempt When you shouldn’t exempt and the high risk customer list Unique situations that aren’t so unique!  Target Audience: Deposit personnel responsible for CTR filings, BSA personnel responsible for CTRs and CTR exemptions, management, audit personnell Qty:     Contact us for more information on this Product

  + Customer Identification Programs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Is your Customer Identification Program compliant? Are you meeting the minimum requirements and utilizing it to its full capability not only in the BSA/AML context, but also in connection with Identity Theft and Internet gambling? Make sure your CIP is on the right track and you are using it to its full capabilities to minimize customer identification issues in your institution.  What You Will Learn: Minimum CIP requirements CIP requirements for natural persons CIP for businesses Leveraging CIP in connection with Identity Theft Leveraging CIP in connection with Internet gambling Target Audience: BSA Officers, Compliance Officers, Deposit Operations managers, Loan Operations managers, management, and audit personnel? Qty:     Contact us for more information on this Product

  + Getting Ready for a Compliance Examination - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you wondering why there?s a Web session on preparing for an examination? Compliance examinations can be an expensive undertaking, in both your time and your institution's condition. However, the experience can be more of an investment than an expense if you prepare in advance. Preparing for a compliance examination will not only assist the examiners, but also ensure that you have a better understanding of your job and increase your value to your organization. Through open communication and cooperation, you can expect a straight answer to the basic question: ?How am I doing?? By working together, you and the examiners are more likely to discover ways to improve efficiency and minimize errors. Plus, you?ll have happier examiners! Your cooperation in supplying the needed information will contribute greatly to the speed with which the examiners can do their work and get out of your way. Sign up for this Web session and find out how you can be better prepared! What You Will Learn: Overview of a typical compliance examinations Best practices for examination preparation What to do before, during and after an examination Common pitfalls to avoid Target Audience:  Compliance and audit personnel and any other personnel that interact with examiners Qty:     Contact us for more information on this Product

  + Money Services Business and Privately Owned ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Money Services Business and Privately Owned ATMs – Things you were afraid to know and were scared to ask about financial institutions’ obligations and duties In this session, we will discuss Money Services Businesses and associated obligations and duties of Financial Institutions that service MSBs. We will also discuss the new rules for stored value cards – strike that – prepaid access cards. We will conclude with a discussion on privately owned ATMs. What You Will Learn: What is a Money Services Business What are the financial institution’s due diligence obligations How are prepaid access devices treated under the new rules What is a privately owned ATM Ways to mitigate risks of banking MSBs and privately owned ATM customers Target Audience:  BSA Officers, Compliance Officers, Deposit Operations managers, management, and audit personnel Qty:     Contact us for more information on this Product

  + OFAC and 314a Obligations and Duties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you confused about financial institution's obligations and duties under the Office of Foreign Asset Control laws and regulations? Do all the acronyms leave you dazed and confused? If you have not updated your OFAC compliance program, risk assessment and reviewed internal controls lately, this program will offer guidance to assist you before the examiners walk through the door. This session will also review your obligations and reporting requirements under Section 314(a) of the USA PATRIOT Act. What You Will Learn: The different OFAC sanctions programs What transactions should be blocked or prohibited Tips for your OFAC compliance program  Updating the OFAC risk assessment and maintaining internal controls Records to be searched under 314(a)  Who Should Attend: Compliance and audit personnel, deposit operations, and management Qty:     Contact us for more information on this Product

  + Suspicious Activity Basics: Spotting, Reporting & Sharing - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Wondering how to identify and report suspicious activity? For that matter, what is suspicious activity? How do you know what to report? How do you know what not to report? Once you find it, how do you report it? Once you report it, what are the limitations on disclosure? Long gone are those days when preparing a SAR was confusing and daunting. We will discuss activity that should be reported and how to properly report it. We'll also provide you with tips on how to complete a SAR and avoid making common errors so that you can put your SARs to work for you! Uncertain about how to respond to request for SARs and supporting documentation? Unaware of the recent clarifications to SAR disclosure? Join us for a discussion on recent rules, advisory, and guidance on SAR confidentiality. What you Will Learn: When to complete a SAR How to file a SAR How to avoid common SAR filing errors How to protect the confidentiality of SARs When and to whom disclosure is permitted Target Audience: Compliance Officers, BSA Officers, Risk Officers, Management, and Branch Administrators Qty:     Contact us for more information on this Product

  + The Remote Deposit Capture Assessment - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Guidance from the FFIEC suggests that Remote Deposit Capture (RDC) must be viewed as a delivery system. The associated risks of this delivery system must be understood and quantified by any financial institution offering RDC to their customers. In this webinar on “The Remote Deposit Capture Assessment,” we will discuss the FFIEC guidance and how a financial institution can assess the risks associated with this product, including compliance risks. We will address the technology aspects that allow customers to initiate deposits from their premises. We will also look at risk management techniques that can help an institution assess merchant environments, the combined operation for processing remote deposits, and the contractual agreement between a financial institution and a commercial customer. What You Will Learn: Relevant points of interest regarding the FFIEC RDC assessment guidance The elements of an RDC Risk Assessment How to conduct an RDC Risk Assessment Target Audience:  Risk management, lending and compliance personnel at financial institutions that offer, or are considering offering, Remote Deposit Capture Qty:     Contact us for more information on this Product

• Deposit-side Staff Training

  + ADA Requirements for ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Department of Justice has issued final rules regarding the Americans with Disabilities Act (ADA) and automated teller machines (ATMs). These final rules require new standards for accessibility to ATMs by impaired customers. These rules cover such items as voice guidance, height and reach requirements, input devices, numerical keypads, function keys, display screen, and Braille instructions. This webinar will provide guidance on the specifics of the rule, what modifications may be required, what ATMs should be modified to comply with these new rules and the practical impact of complying with these rules. What you will learn: The new ADA regulations that apply to ATMs What ATMs must be modified When an institution must comply with these rules The practical impact of these rules Target Audience: Compliance Officers, Risk Managers, Human Resources, Auditors, Operations Management Qty:     Contact us for more information on this Product

  + Advertising Rules for Deposit and Non-Deposit Investment Products - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Advertising regulations can be traps for the unwary. Regulations limit what can be stated in an advertisement and also mandate what must be disclosed. Do you know how to craft a compliant deposit advertisement? When can you say “free” in an ad? What are the regulations for advertising non-deposit investment products? We will discuss the regulatory guidance that governs advertisements for deposit products, including the use of the words “free” and “profit.” We will also cover advertising requirements related to non-deposit investment products and FDIC membership. We will touch on matters relating to UDAP in connection with advertisements. What You will Learn: What must be included in a deposit advertisement? What limitations are imposed on the use of the term “free” or “profit” in an advertisement? What is required in an advertisement of non-deposit investment products? Specific requirements for advertising overdraft protection products How UDAP rules generally impact advertisements Target Audience: Compliance officers, auditors, marketing personnel, risk officers, deposit and loan operations employees. Qty:     Contact us for more information on this Product

  + Affiliates and Sharing with Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with affiliates, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers' information for marketing purposes Affiliate sharing Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard you are held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Inconsistencies in affiliate-sharing and the new privacy notices. Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product

  + Compliance for Regulation DD - Deposit Disclosures - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: You've heard about the Overdraft Protection Amendments to Regulation DD, and you've been given advertising requirements. But what else is there to Regulation DD? A lot more! All your account disclosure requirements and subsequent disclosure requirements are here and simplified for your bank to comply with on a daily basis. Does your bank provide traditional deposit products and some non-traditional deposit products, or are you confused about what disclosures to provide and when? Hear and see Regulation DD broken down step-by-step in one hour. What You Will Learn: The types of accounts covered under Regulation DD What a new account is for disclosure purposes The disclosures provided for each type of account at account opening Which types of changes to account disclosures require subsequent disclosures What a Regulation DD periodic statement is and when it is required What the CD disclosure rules are Target Audience: Heads of deposit operations, technology managers, new accounts personnel, compliance personnel, and auditors Qty:     Contact us for more information on this Product

  + CRA - Defining Your Assessment Area and Maintaining the Public File - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have there been changes to your financial institution’s footprint? Has your financial institution’s CRA Assessment Area been reviewed recently? You should review your Assessment Area for potential changes before the examiners change it for you. Do you know what information should be contained in the CRA public file? Are you keeping your financial institution’s public file up to date? This session will provide information on defining the Assessment Area, adjusting Assessment Area as needed, and keeping the CRA public file up to date. What you will learn: How to define the Assessment Area Factors to be consider in defining the Assessment Area Why adjustments should be made to the Assessment Area Requirements for maintaining CRA public file Target Audience: CRA Officers, compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product

  + Customer Identification Programs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Is your Customer Identification Program compliant? Are you meeting the minimum requirements and utilizing it to its full capability not only in the BSA/AML context, but also in connection with Identity Theft and Internet gambling? Make sure your CIP is on the right track and you are using it to its full capabilities to minimize customer identification issues in your institution.  What You Will Learn: Minimum CIP requirements CIP requirements for natural persons CIP for businesses Leveraging CIP in connection with Identity Theft Leveraging CIP in connection with Internet gambling Target Audience: BSA Officers, Compliance Officers, Deposit Operations managers, Loan Operations managers, management, and audit personnel? Qty:     Contact us for more information on this Product

  + Discretionary Overdraft Programs in 2011 - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Discretionary overdraft programs have been through the regulatory wringer in the last few years. Practically every aspect of your discretionary overdraft program, including developing it, managing it, disclosing it, and allowing customers to utilize it, is under scrutiny. This webinar will provide a good overview of the recent regulations and guidance that govern discretionary overdraft programs. Learn what examiners will be expecting of you, and the practical and impractical challenges of the recent regulations and guidance.  What You Will Learn: • The Regulation E rules relating to the opt in requirements, • The Regulation DD rules relating to the disclosure of overdraft fees, • The FDIC Overdraft Payment Supervisory Guidance.Who Should Attend Target Audience: Compliance Officers, Risk Managers, Auditors, Deposit Operations Management Qty:     Contact us for more information on this Product

  + Dispute Resolution Under Regulation E - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Consumer disputes arising from unauthorized electronic transactions seem to be on the rise. We have all experienced claims of unauthorized activity that left us with suspicions and the bank without money. Knowing the rules and having procedures designed to provide the bank with a blueprint for a thorough investigation of the allegations, will allow you to respond confidently to these disputes, providing credit when appropriate and properly responding to the consumer when your investigation reveals no error occurred. What you Will Learn: What is an error for Regulation E purposes  Who is covered by Regulation E Time periods for dispute resolution under Regulation E When to issue provision credit and what to do with it when the investigation is complete What to do when you don't believe your customer's story How VISA and MASTERCARD rules for dispute resolution differ  Target Audience: Compliance Officers, Bank Auditors, Risk Officers and Deposit Operations Employees Qty:     Contact us for more information on this Product

  + FCRA Identity Theft & Address Discrepancy Red Flag Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: After years of waiting, we have regulations for the red flag identity theft requirements under the Fair Credit Reporting Act, as amended by the FACT Act. In this session, we'll take a look at your requirements to establish an Identity Theft Prevention Program, and the policies and procedures you're expected to develop to deal with discrepancies in customer addresses.  What you Will Learn: When a financial institution is required to develop an Identity Theft Prevention Program The required and expected components of Identity Theft Prevention Programs How institutions are required to identify and deal with address discrepancies Target Audience: Compliance and audit personnel, Deposit and Loan Operations, Management   Qty:     Contact us for more information on this Product

  + FDIC Insurance in a Dodd-Frank World - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In today’s world, you have so many new compliance rules to learn all thanks to the Dodd- Frank Wall Street Reform and Consume Protection Act. Several years ago, you would have thought nothing of your FDIC insurance because it was relatively unchanged. That isn’t the case anymore! Because of bank failures, the economy, and the general distrust of the U.S. financial system, there isn’t a single rule that has been left untouched. The regulations on FDIC insurance are no exception. In 2008, the FDIC began its moderate restructuring of FDIC insurance, along with the Temporary Liquidity Guarantee Program to develop the structure we have today. We will discuss all of the requirements, expiration dates, sign requirements, and rules for sweep accounts in this session. We will also cover the basics of how FDIC coverage works. This session will be offered in two parts. We will spend the first session explaining basic FDIC coverage and advertising membership, and break for questions and answers. We will then go right into the second session on the current status of FDIC insurance. What you will learn: Session 1:     The basic rules of coverage How coverage can be maximized for deposit accounts Where FDIC signage needs to be placed and advertising membership Coverage of unique products Session 2: The history of recent FDIC insurance changes The state of FDIC insurance today under Dodd-Frank Sweep accounts and other insured accounts Who Should Attend: Compliance officers, auditors, marketing personnel, risk officers and deposit operations employees Qty:     Contact us for more information on this Product

  + Getting Ready for a Compliance Examination - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you wondering why there?s a Web session on preparing for an examination? Compliance examinations can be an expensive undertaking, in both your time and your institution's condition. However, the experience can be more of an investment than an expense if you prepare in advance. Preparing for a compliance examination will not only assist the examiners, but also ensure that you have a better understanding of your job and increase your value to your organization. Through open communication and cooperation, you can expect a straight answer to the basic question: ?How am I doing?? By working together, you and the examiners are more likely to discover ways to improve efficiency and minimize errors. Plus, you?ll have happier examiners! Your cooperation in supplying the needed information will contribute greatly to the speed with which the examiners can do their work and get out of your way. Sign up for this Web session and find out how you can be better prepared! What You Will Learn: Overview of a typical compliance examinations Best practices for examination preparation What to do before, during and after an examination Common pitfalls to avoid Target Audience:  Compliance and audit personnel and any other personnel that interact with examiners Qty:     Contact us for more information on this Product

  + Money Services Business and Privately Owned ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Money Services Business and Privately Owned ATMs – Things you were afraid to know and were scared to ask about financial institutions’ obligations and duties In this session, we will discuss Money Services Businesses and associated obligations and duties of Financial Institutions that service MSBs. We will also discuss the new rules for stored value cards – strike that – prepaid access cards. We will conclude with a discussion on privately owned ATMs. What You Will Learn: What is a Money Services Business What are the financial institution’s due diligence obligations How are prepaid access devices treated under the new rules What is a privately owned ATM Ways to mitigate risks of banking MSBs and privately owned ATM customers Target Audience:  BSA Officers, Compliance Officers, Deposit Operations managers, management, and audit personnel Qty:     Contact us for more information on this Product

  + Privacy - Sharing with Nonaffiliated Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with nonaffiliated entities, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with nonaffiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers’ information for marketing purposes Nonaffiliate sharing inconsistencies Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard are you held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product

  + Proposed Regulation CC Amendments - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Since it consolidated all the Federal Reserve Bank check processing regions into one, rendering the concept of “nonlocal check” as obsolete as the flintlock musket, the FRB is only now getting around to eliminating the references to that term in Regulation CC. While they were there, they proposed rules to induce more institutions to clear checks electronically. Under the proposals, a depositary financial institution would not be entitled to expeditious returns of bounced checks unless it agrees to receive them electronically. A paying financial institution effectively would be allowed to compel other financial institutions to present checks to it electronically. Incidentally, the safe-harbor period for an exception hold would be reduced to four business days. Consistent with their general trend to make disclosure more “readable”, the FRB has revised 13 of the model forms in Appendix C to the regulation to try to improve their readability for consumers. What You Will Learn: Details of the proposed changes, including required use of electronic methods Their likely effects on your institution’s operations The new forms the FRB is introducing Facts on which you may base any comments you’d like to give the FRB (which are due June 3) Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. **Please Note: This Training on Demand is included in the Funds Availability Solutions Toolset ("FAST") on CD-ROM. You do not need to order this separately if you have already ordered the FAST disc or have plans to. Qty:     Contact us for more information on this Product

  + Protecting Your Bank Against Fraudulent and Counterfeit Items Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection.  Description: We have all witnessed the increase in fraudulent items being presented for payment at banks. This web session will focus on how handle suspicious items to protect your bank and what recourse you have when a fraudulent item slips through. We will discuss Regulation CC exception holds, the Uniform Commercial Code, and common sense steps you can take to minimize the risk from fraud.  What You Will Learn: - Proper use of exception holds under Regulation CC - Common fraudulent check scams and scenarios - What to do when you suspect a check is fraudulent - What to do when a fraudulent "on us" check is presented at your bank for payment - How to take an item for collection Target Audience:  Compliance and audit personnel, Tellers, Deposit Operations, and Accounting   Qty:     Contact us for more information on this Product

  + Regulation GG: Your Obligations to Stop Unlawful Internet Gambling - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Haven't heard of Regulation GG? It's the regulation that implements the requirements to identify and prohibit unlawful internet gambling under the SAFE Port Act, and it goes into effect in 2009! What You Will Learn: Who is covered by Regulation GG, What customers and transactions are at risk for unlawful internet gambling, Policy and procedure requirements, and When you have to have your program in place. Target Audience: Compliance officers, compliance and audit staff, risk management Qty:     Contact us for more information on this Product

  + Regulation R - Sales of Securities - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: What is Regulation R? How does Regulation R interact in the compliance framework? During this session, we will explore Regulation R and its scope. We will also look at how and whether it applies to your institution. We will review the types of non-deposit investment activities that are covered under Regulation R and explain the implications of Regulation R for institutions falling within its reach. We will also discuss referral compensation and the new rules set in the regulation. If you are wondering whether you are covered, we will also identify activities that do not fall within Regulation R's coverage. What you Will Learn: What is appropriate referral compensation and how should an institution set the standards? What activity is not covered under Regulation R? Other Compliance Implications Ways to avoid operating losses when dealing with ACH debits and credits  Target Audience: Compliance officers, bank auditors, risk officers, management, branch administrators, and trust department personnel Qty:     Contact us for more information on this Product

  + Regulation W - Relations With Affiliates Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Given the current climate in the financial services industry, it’s important to be familiar with the rules of Regulation W if you have affiliates and conduct transactions with those affiliates. Section 23A of Regulations W requires transactions between a financial institution and its affiliates to be on terms and conditions consistent with safe and sound banking practices. Section 23B of the regulation requires that certain transactions be consistent with market terms and conditions. However, the provisions and some of the interpretations of the rules are extremely technical making this seemingly easy regulation a very difficult one to master. To keep you insulated from civil liability, criminal penalty and administrative sanctions, you need to be aware of the technical requirements of the rules. You will also need to understand any Dodd-Frank implications for you in affiliate transactions. This session is designed to address all the issues surrounding transactions with affiliates that are allowed and not allowed. What You Will Learn: Overview of Sections 23A and 23B The roles of affiliates versus non-affiliates Valuation and timing rules to determine amounts of transactions Limitations of transactions between entities What are the covered transactions and exceptions Little known special rules and exceptions Technical guidance of quantitative limits and collateral requirements Who Should Attend: Loan officers, chief financial officers, accounting staff, operations and loan staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules.   Qty:     Contact us for more information on this Product

  + Sending Things Back - Returned Checks and Deadlines - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your bank from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Deposit operations can be a lovely place to work when all is going well. But if somebody somewhere fouls up, the job can quickly become unpleasant, not just for the people there, but for the financial institution’s bottom line. Some mistakes carry liability not just for the amount of the item in question, but for consequential damages to customers of other institutions you’ve never met. In their usual plain-English style, the experts at FIS Regulatory Advisory Services pull together the various rules from multiple sources into one concise presentation. The outline will be a valuable tool in your work, and the sources of the rules are cited for future use by you and your counsel. What You Will Learn: Risks in remote deposit capture Stopping payment on cashier’s checks When returning is optional versus mandatory Who’s liable on a forgery of which signature Remotely created (“Authorized by your depositor”) checks Stale- and post-dated checks The most troublesome return reasons Wrongful dishonor liability Target Audience: Deposit operations personnel, compliance officers, branch managers, customer service representatives, auditors Qty:     Contact us for more information on this Product

  + The Remote Deposit Capture Assessment - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Guidance from the FFIEC suggests that Remote Deposit Capture (RDC) must be viewed as a delivery system. The associated risks of this delivery system must be understood and quantified by any financial institution offering RDC to their customers. In this webinar on “The Remote Deposit Capture Assessment,” we will discuss the FFIEC guidance and how a financial institution can assess the risks associated with this product, including compliance risks. We will address the technology aspects that allow customers to initiate deposits from their premises. We will also look at risk management techniques that can help an institution assess merchant environments, the combined operation for processing remote deposits, and the contractual agreement between a financial institution and a commercial customer. What You Will Learn: Relevant points of interest regarding the FFIEC RDC assessment guidance The elements of an RDC Risk Assessment How to conduct an RDC Risk Assessment Target Audience:  Risk management, lending and compliance personnel at financial institutions that offer, or are considering offering, Remote Deposit Capture Qty:     Contact us for more information on this Product

  + Unfair or Deceptive Acts or Practices: A Refresher for Dodd-Frank Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The government is on a continuing quest to eliminate "predatory lending" and any perceived unfair or misleading actions or ongoing practices by financial institutions that would contribute to the financial bewilderment of the consumer. Various agencies have over the years issued regulations and commentary, restricting (and sometimes instructing) financial institutions on permissible ways and means of dealing with consumers and financial institution customers. In July 2010 the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), which reinforces and supplements the traditional rules. What You Will Learn: What types of acts and practices are traditionally covered by the UDAP guidance and rules  What the Dodd-Frank Act requires How to conform your practices to address the various UDAP requirements Who Should Attend: This webinar should be attended by audit, compliance, credit administration, and other personnel responsible for deposit and loan compliance management in your institution. Qty:     Contact us for more information on this Product

• Lending Staff Training

  + A Primer on Current RESPA Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: This session covers all of RESPA’s basics from what transactions are covered by RESPA and what the exemptions are, to what aspects of mortgage lending are impacted by RESPA’s detailed template for real estate lending. What You Will Learn: What loan transactions are covered by RESPA What exemptions from coverage are provided What partial exemptions are provided for open-end credit RESPA’s standards for GFE disclosures and what types of fees have to be included RESPA’s allowance for using average costs when disclosing certain settlement charges Servicing transfer disclosure requirements When making loans When actually transferring servicing Escrow accounting requirements Initial disclosures Annual analysis requirements Handling of shortages, deficiencies and surpluses The most dangerous part of RESPA’s rules – Section 8 What the rule restricts What it exempts How to avoid costly Section 8 problems Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. Qty:     Contact us for more information on this Product

  + A Primer on Flood Insurance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Flood determinations, insurance coverage, servicing requirements...wish there was a place to get a good understanding of all of the flood insurance rules?  Now there is.  Whether flood insurance is new to you, or you just need to brush up on your knowledge, this session provides a good foundational understanding of the flood insurance rules, including: When the flood rules apply; What property is insurable; How insurance is calculated; Recent changes to the flood insurance rules for construction loans, manufactured homes and condominiums; Flood insurance requirements during servicing of a loan; and Force placement rules. Who Should Attend: Senior management, compliance officers, risk management, loan officers, loan processing and loan servicing personnel, and auditors Qty:     Contact us for more information on this Product

  + Account Opening Disclosures - Open-End Credit (Not Home Secured) - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Because of the Credit CARD Act, all open-end consumer credit, other than home secured credit must have account opening disclosures that are uniform in message to consumers applying for that product. They sound simple but try to draft or review these for compliance, and your head starts to spin – does it go in a table, does it go in a box, does need to be bolded, does it go in standard font? Find out as we go through the how to’s of the account opening disclosures for open-end (not home secured credit). What You Will Learn: How to create/review these disclosures for compliance How to understand the regulation for variances in disclosures based on product When the disclosure needs to be delivered What parts of the disclosures are considered substantive for purposes of subsequent disclosures Penalties for non-compliance Target Audience: Compliance personnel, lenders, retail personnel, management Qty:     Contact us for more information on this Product

  + Advertising Closed & Open-End Consumer Credit - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this fourth installment of our series on the new final changes to Regulation Z, we explore some of the more detailed requirements of the new and complex advertising rules for closed and open-end products, dwelling and non-dwelling secured.   What You Will Learn: The new rules for advertising closed-end adjustable rate mortgages disguised as "fixed" rate products The newly defined seven deadly sins of unfair and deceptive acts and practices The new open-end rules for dwelling and non-dwelling secured credit products Target Audience Compliance Officers, Lenders, Marketing Personnel, and Management Qty:     Contact us for more information on this Product

  + Affiliates and Sharing with Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with affiliates, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers' information for marketing purposes Affiliate sharing Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard you are held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Inconsistencies in affiliate-sharing and the new privacy notices. Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product

  + An Introduction to the Community Reinvestment Act - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have you recently been promoted to CRA Officer for your financial institution and wonder what CRA is? Do you know the difference between the examination categories? Do you know what examiners will look for during your CRA examination? This session will provide you with basic information on CRA and how to maintain your program. What you will learn: Basics of CRA The different examination categories The performance standards How to prepare for a CRA examination Myths Who should attend: CRA Officers, compliance and audit personnel, and management. Qty:     Contact us for more information on this Product

  + Appraisals 2011 - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Accurate valuation of collateral has always been an important part of any successful lending endeavor. And given the extreme rollercoaster ride that property values have been on the last few years, it should come as no surprise that the accuracy and integrity of your appraisal and evaluation process has become a focal point of regulatory concern. Recently, the agencies have been busy strengthening and modernizing their guidance on appraisals and evaluations. Regulation Z was updated to enhance the value of appraisals used in principal dwelling secured transactions and the Interagency Appraisal and Evaluation Guidelines have received a complete and total makeover to help provide better guidance. What You Will Learn: In this session, you will learn what the new appraisal/evaluation expectations are and how to structure your lending operations to comply with the revised expectations. We will cover: The appraisal regulations The newly overhauled Interagency Appraisal and Evaluation Guidelines, The appraisal rules now included in Regulation Z. Target Audience: Lending, compliance, and audit personnel involved in real estate lending who need to be aware of these revised appraisal/evaluation expectations or who are involved in the mortgage loan origination process. Qty:     Contact us for more information on this Product

  + CERCLA Requirements and What They Mean for Lenders - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Until now, lenders have assumed an exempt status under CERLCA when acting as the secured lender for borrowers purchasing potentially contaminated environmental sites. Why bother with CERCLA when it didn't bother with you? For all commercial loans secured by real property, a lender would conduct a cursory review of public records, perhaps inspect the property prior to loan closing, and that was it. But under the new CERLA changes that went into effect November 1, 2006, a lender's exempt status may not remain so clear. CERCLA mandates that potential buyers conduct Phase I environmental investigations on real property prior to loan closing in order for a buyer (your borrower) to claim the innocent landowner defense. So what does this ultimately mean for lenders? Sing up for this training session and find out! What You Will Learn: A summary of what CERCLA is What the CERCLA Amendments are and when they go into effect How the CERCLA changes can impact your lending practices What these changes mean for borrowers What these changes could mean for lenders in the foreclosure process Who Should Attend: Branch managers, CSRs, compliance managers, loan operations, commercial lenders, and auditors Qty:     Contact us for more information on this Product

  + Completing RESPA's Good Faith Estimate ("GFE") Form - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: This session will cover all of the essentials you need to be aware of in order to deal effectively with the preparation of RESPA’s Good Faith Estimate Forms. We cover: The purpose and content of the GFE form The information you need to be able to properly prepare the form A how-to primer on the completion of each section of the form An overview of how the GFE and HUD forms link to each other A brief summary of tolerance standards that apply to the different sections of the form Target Audience: This webinar is for compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. Qty:     Contact us for more information on this Product

  + Completing RESPA's HUD-1 Form - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: This session covers the basics of proper completion of HUD’s HUD-1 settlement statement form.  You will learn: The content and purpose of each defined section of the form, What information is needed for the preparation of each section of the form and the basics of how to complete each section, Some of the problem areas that make proper completion tricky and areas where HUD still needs to provide additional guidance on proper form completion, and How the GFE and HUD-1 forms link to each other.  Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. In addition, this session is helpful for settlement agents and those involved in either preparation of or explaining of HUD-1 and GFE forms to loan customers. Qty:     Contact us for more information on this Product

  + Compliance Aspects of Defaulted Real Estate Loans - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: You’ve seen in the news how mistakes on state law issues, such as not reading the documents before signing foreclosure papers, can foul up a loan collection, right? Learn how to avoid the pitfalls brought on by federal compliance laws regarding bad (or going-bad) real estate loans. What must you continue to do after the borrower defaults? What can you stop doing? At what stage in the process? Some of the answers may surprise you. Let the surprises come here, inexpensively, in the safety of a webinar, rather than at great expense and embarrassment in a courtroom. The entire presentation is done in FIS’s usual plain-English style. What You Will Learn: That there is a federal appointee paid on commission to defeat your liens The pitfalls when you add obligors to a loan Things to avoid as you negotiate When you may pull credit on whom HMDA angles to commercial restructurings Environmental issues and risk Bank Secrecy Act and deteriorating loans What to do about deceased borrowers Who Should Attend: Workout personnel, compliance staff, loan officers, loan operations personnel, auditors Qty:     Contact us for more information on this Product

  + Compliance for Illegal Discrimination and Regulation B - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Regulation B prohibits discrimination in a credit transaction on an illegal basis. Regulation B violations can be more costly than violations of any other regulation. This seminar will include a comprehensive discussion of what constitutes illegal discrimination, steps that your bank can take to prevent illegal discrimination, and methods to monitor your bank's credit process to detect illegal discrimination if it should occur. Target Audience: Loan officers, persons in credit administration, fair lending officers and compliance officers Qty:     Contact us for more information on this Product

  + CRA - Defining Your Assessment Area and Maintaining the Public File - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have there been changes to your financial institution’s footprint? Has your financial institution’s CRA Assessment Area been reviewed recently? You should review your Assessment Area for potential changes before the examiners change it for you. Do you know what information should be contained in the CRA public file? Are you keeping your financial institution’s public file up to date? This session will provide information on defining the Assessment Area, adjusting Assessment Area as needed, and keeping the CRA public file up to date. What you will learn: How to define the Assessment Area Factors to be consider in defining the Assessment Area Why adjustments should be made to the Assessment Area Requirements for maintaining CRA public file Target Audience: CRA Officers, compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product

  + Customer Identification Programs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Is your Customer Identification Program compliant? Are you meeting the minimum requirements and utilizing it to its full capability not only in the BSA/AML context, but also in connection with Identity Theft and Internet gambling? Make sure your CIP is on the right track and you are using it to its full capabilities to minimize customer identification issues in your institution.  What You Will Learn: Minimum CIP requirements CIP requirements for natural persons CIP for businesses Leveraging CIP in connection with Identity Theft Leveraging CIP in connection with Internet gambling Target Audience: BSA Officers, Compliance Officers, Deposit Operations managers, Loan Operations managers, management, and audit personnel? Qty:     Contact us for more information on this Product

  + Dealing Effectively With RESPA's "Cure" Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Although it is literally oxymoronic to use a word like “tolerance” in connection with a set of rules that are as unforgiving as are RESPA’s rules for tolerances and cures, RESPA does provide lenders with a little bit of “wiggle room” when making settlement cost disclosures on Good Faith Estimates of loan settlement charges. But the rules are very confusing and poorly explained by HUD, so this session will help you understand how much tolerance you have and how to “cure” errors when they occur. You will learn: What the tolerance standards are for settlement cost accuracy, Zero tolerance categories, 10% aggregate tolerance categories, and Categories for which no tolerance standards are provided How “cures” for over-charges are to be properly shown on HUD-1 and 1A forms, How cures differ based on when the cure is given (at closing, or after closing), How cures and reimbursements interact with Regulation Z disclosures and with Regulation Z reimbursement standards, What documentation needs to be maintained in connection with tolerances and cures, and What customer communications are expected. Who Should Attend: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. In addition, this session is helpful for mortgage loan settlement agents. Qty:     Contact us for more information on this Product

  + Dealing Effectively With RESPA's Changed Circumstances Rule - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Because in life, things change and your disclosures often should as well, HUD’s changed circumstances rules have become an important part of getting RESPA’s GFE and HUD-1 forms completed properly. The changed circumstances rules are complex, poorly explained by HUD, and dangerous to your profitability if you don’t follow them carefully. So, we have created this session to help you deal effectively with RESPA’s changed circumstances requirements. You will learn: The regulatory definition of changed circumstances, What the pitfalls and dangers are of not responding appropriately to them, Practical ways to distinguish when you do and when you don’t have changed circumstances, What you can and can’t change on your GFE disclosures as a result of changed circumstances, and How to document changed circumstances so our examiners don’t second-guess your disclosure changes. Target Audience: Compliance personnel dealing with lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective loan customers. In addition, this session is helpful for mortgage loan settlement agents. Qty:     Contact us for more information on this Product

  + Escrow and You: The Basics of What You Need to Know - Updated - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this session, we will cover the basics of escrow for institutions that either escrow occasionally or are new to the escrow process as set forth in RESPA. Even if you escrow all the time, this course will serve as a refresher in the basics. We will cover the fundamental rules under RESPA and the how to's for the initial and annual escrow disclosures. The session will also address other compliance issues such as escrows for flood insurance, taxes and hazard insurance and requirements for escrowing for higher-priced mortgage loans, and other considerations that could develop from the origination of a loan through to the servicing. What You Will Learn: What the initial and annual disclosure requirements are, and the contents of those disclosures The basic principles of escrow Other compliance issues with escrow Why you may need to escrow  Who Should Attend: Compliance personnel, audit personnel, loan servicing personnel Qty:     Contact us for more information on this Product

  + FCRA Identity Theft & Address Discrepancy Red Flag Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: After years of waiting, we have regulations for the red flag identity theft requirements under the Fair Credit Reporting Act, as amended by the FACT Act. In this session, we'll take a look at your requirements to establish an Identity Theft Prevention Program, and the policies and procedures you're expected to develop to deal with discrepancies in customer addresses.  What you Will Learn: When a financial institution is required to develop an Identity Theft Prevention Program The required and expected components of Identity Theft Prevention Programs How institutions are required to identify and deal with address discrepancies Target Audience: Compliance and audit personnel, Deposit and Loan Operations, Management   Qty:     Contact us for more information on this Product

  + Getting Ready for a Compliance Examination - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Are you wondering why there?s a Web session on preparing for an examination? Compliance examinations can be an expensive undertaking, in both your time and your institution's condition. However, the experience can be more of an investment than an expense if you prepare in advance. Preparing for a compliance examination will not only assist the examiners, but also ensure that you have a better understanding of your job and increase your value to your organization. Through open communication and cooperation, you can expect a straight answer to the basic question: ?How am I doing?? By working together, you and the examiners are more likely to discover ways to improve efficiency and minimize errors. Plus, you?ll have happier examiners! Your cooperation in supplying the needed information will contribute greatly to the speed with which the examiners can do their work and get out of your way. Sign up for this Web session and find out how you can be better prepared! What You Will Learn: Overview of a typical compliance examinations Best practices for examination preparation What to do before, during and after an examination Common pitfalls to avoid Target Audience:  Compliance and audit personnel and any other personnel that interact with examiners Qty:     Contact us for more information on this Product

  + HMDA for Commercial Lending - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: HMDA compliance is difficult enough when all you do is “cookie cutter” retail mortgage lending, but it can become a downright daunting task when you throw in the twists and turns that come when you venture into commercial lending. So we have created a training session targeted specifically at the issues that often make reporting commercial transactions difficult. We will look at how the retail and commercial lending processes flow differently, how to determine which commercial transactions are reportable and which are not, and then go field by field through the loan application register looking at the specifics of how to correctly report information for commercially related transactions. What You Will Learn: Learn what the rules are for identifying and correctly reporting commercial transactions on the HMDA/LAR. Understand some of the specific areas where reporting institutions often go astray when handling commercial reporting responsibilities and how to avoid making those types of mistakes in your institution. We will explain: What the rule requires Why commercial loan reporting tends to be handled wrong in many institutions What specific types of transactions are and are not reportable What data elements tend to cause errors in reporting and what unique things need to be considered when reporting commercial transactions Who Should Attend: Compliance, Audit, and Loan Operations personnel Qty:     Contact us for more information on this Product

  + Home Equity Lines of Credit in Today's Market - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: For a number of years, home equity lines of credit were the hottest consumer lending product around. But recent changes in the market and new regulatory guidance make offering home equity lines of credit more challenging than ever. What You Will Learn: New and renewed guidance on the risks and examiner expectations with respect to home equity lines of credit, What actions you're allowed to take to protect your collateral, and how you should take it, and How the new changes to Regulation Z affect your HELOC lending practices Target Audience: Compliance officers, risk managers, senior management and lenders Qty:     Contact us for more information on this Product

  + How to Perform a HMDA Scrub - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Home Mortgage Disclosure Act (HMDA) requires depository and non depository lenders to collect and publicly disclose information about housing related loans to determine whether financial institutions are adequately serving their communities' housing finance needs. HMDA is one of the shortest regulations, yet one of the most confusing for compliance and lending staff. In recent years regulators have increasingly imposed Civil Money Penalties (CMPs) for repeat violations of HMDA. In this session you will learn “How to Perform a HMDA Scrub” to ensure your HMDA data is accurate for March 1st, 2012 submission. What You Will Learn: How to use the “Guide to HMDA Reporting, Getting it Right”. HMDA’s purpose, data collection, reporting and disclosure requirements. The types of loans transactions reported on your HMDA LAR. Step by Step instructions for each field reported. What to expect when you submit your HMDA LAR. Who Should Attend: Compliance Officers, Lending Personnel, Loan Operations, Loan Servicing Qty:     Contact us for more information on this Product

  + Impacts of Increased Coverage Limits within Regulation Z and M - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: It’s been a long time coming, and a long time needed! The coverage limits for both Regulation Z and M are increased to $50,000 instead of $25,000. What does this mean for your products? Which products are impacted? We will discuss coverage of both regulation, and what products are traditionally impacted. We will also discuss compliance concerns as they apply to closed- and open-end credit, and leases that fall under Regulation M. What You Will Learn: What is covered under the coverage threshold for both regulations What the exemptions are to the coverage threshold for Regulation Z What the exemptions are to coverage from Regulation M How your loan products are impacted through initial and subsequent disclosures Who Should Attend: Compliance officers, audit personnel, loan officers, lending operations and servicing Qty:     Contact us for more information on this Product

  + Modern Day Lending with Risk Based Pricing - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Successful lenders learn to effectively manage all forms of credit risks. One of the ways that lenders traditionally have managed lending risks is by charging riskier borrowers higher prices in order to compensate for the loan losses that inevitably come from those (hopefully few) borrowers who fail to repay their loans as agreed. Over time, information derived from credit reports has become a critical factor in helping lenders to determine with greater precision the amount of risk they are facing when evaluating prospective borrower requests. Enter the Risk-Based Pricing rules which require creditors to disclose certain information about consumer reports to consumers. In this session we will navigate the implementing rules under the Fair and Accurate Credit Transaction Act of 2003 (also known as the "FACT Act") and the Dodd-Frank Act as it pertains to the requirements of institutions to provide Risk-Based Pricing notices. What You Will Learn: Learn what the rules on risk-based pricing requires a regulated financial institution to do to implement and develop their own risk-based pricing notices. We will explain: What the rule requires When you have to give a risk-based pricing notice Which risk-based pricing notice you are required to provide How to establish your credit standards for risk-base pricing notices The alternative to providing risk-based pricing notices How and when the notices must be delivered Who Should Attend:  Compliance and audit personnel, Loan Operations Qty:     Contact us for more information on this Product

  + Mortgage Loan Originator Compensation Rules - What you Can and Can't Pay For - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this ever-changing world of regulatory compliance where each day meets with new compliance challenges, even the way you pay people is the subject of regulation. Financial institutions will now need to address how they compensate mortgage loan originators. While yield spread premiums may not affect all institutions, every financial institutions compensates its loan originators in one way or another, and some of the things you may have compensated originators for in the past are no longer permitted. Identify potential problem areas in your institutions and understand what you must have in place, and what procedures you must change in order to be compliant. What You Will Learn: Who is a mortgage loan originator What the rules say you can and cannot do with regard to compensation What is steering, how to identify it, and some practical tips for eliminating it Target Audience: Compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product

  + Privacy - Sharing with Nonaffiliated Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with nonaffiliated entities, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with nonaffiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers’ information for marketing purposes Nonaffiliate sharing inconsistencies Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard are you held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product

  + Proposed Servicing Settlement Agreement in the Action Against Servicers Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Numerous State Attorneys General and the U.S. Department of Justice together have brought actions against the nation’s largest mortgage servicing institutions, alleging improper practices in mortgage servicing and foreclosure. A 27-page draft settlement proposal was leaked and carries implications for any institution that services mortgages or initiates foreclosures. Two of our compliance attorneys, one with years of experience as an in-house attorney for financial institutions, the other a former Assistant Attorney General with years of prosecutorial experience, have studied the proposed settlement and will discuss its provisions from both industry and prosecutorial perspectives. Some of the proposal’s provisions appear innocuous (“Don’t lie on affidavits!”), others could impose radical changes on your practices. The proposal has met resistance and may be revised before adoption. What You Will Learn: What’s in the proposal (or final agreement, as the case may be at air time Recommendations for changes in servicing practices that the agreement (proposed or final) may impose on innocent institutions who are not parties to the action. What parts of it we believe you may safely ignore What parts we believe will require you to change your servicing policies and procedures By what date you must comply Target Audience: Real estate lending officers, collection personnel, inside and outside auditors, compliance officers, inside and outside counsel. Qty:     Contact us for more information on this Product

  + Regulation W - Relations With Affiliates Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Given the current climate in the financial services industry, it’s important to be familiar with the rules of Regulation W if you have affiliates and conduct transactions with those affiliates. Section 23A of Regulations W requires transactions between a financial institution and its affiliates to be on terms and conditions consistent with safe and sound banking practices. Section 23B of the regulation requires that certain transactions be consistent with market terms and conditions. However, the provisions and some of the interpretations of the rules are extremely technical making this seemingly easy regulation a very difficult one to master. To keep you insulated from civil liability, criminal penalty and administrative sanctions, you need to be aware of the technical requirements of the rules. You will also need to understand any Dodd-Frank implications for you in affiliate transactions. This session is designed to address all the issues surrounding transactions with affiliates that are allowed and not allowed. What You Will Learn: Overview of Sections 23A and 23B The roles of affiliates versus non-affiliates Valuation and timing rules to determine amounts of transactions Limitations of transactions between entities What are the covered transactions and exceptions Little known special rules and exceptions Technical guidance of quantitative limits and collateral requirements Who Should Attend: Loan officers, chief financial officers, accounting staff, operations and loan staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules.   Qty:     Contact us for more information on this Product

  + Regulation Z Rules: Mortgage Loan Payment Disclosures - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Two new rules - 1 easy way to learn about them. One of the purposes of the Truth in Lending Act is to provide meaningful disclosure of credit terms to enable consumers to compare credit terms available in the marketplace more readily and avoid uninformed use of credit. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of any changes to the rules and these new requirements. The massive changes to various compliance laws and regulations continue. One of the most recent are the significant changes to Regulation Z regarding two new rules that go into effect January 2011. One of the rules will have an impact on the contents of the “Fed Box” disclosure on mortgage loans. Although the other change may only have a minor impact on your operations, you still need to be aware of this requirement. As financial institutions adapt to all these various regulatory changes make sure you are one of the successful ones to get a heads up on these changes coming down the pipeline. What You Will Learn:  How to implement certain provisions of the Mortgage Disclosure Improvement Act of 2008 (MDIA). The notice requirements that need to be provided to consumers. How to replace the current payment schedule with the new interest rate and payment summary tabular format disclosure. Who Should Attend: Loan processors, auditors, loan officers, compliance personnel and other individuals in your loan operations areas that are affected by the new rules. Qty:     Contact us for more information on this Product

  + Regulation Z: The Ins and Outs of the Early TIL - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: In this session, we explore the early disclosure requirements under Regulation Z and the Housing and Economic Recovery Act’s Mortgage Disclosure Improvement Act and try to unravel the mystery of when you must disclose and redisclose the early TIL. What You Will Learn: The types of transactions that require the early TIL The fee restrictions associated with disclosing the early TIL The time periods associated with disclosing and/or re-disclosing the early TIL Under what circumstances must the early TIL be re-disclosed Who must receive the early TIL Record retention requirements for the early TIL Who Should Attend: Compliance and audit personnel, risk officers, loan operations, lenders, and management Qty:     Contact us for more information on this Product

  + Reporting 2011 HMDA Data Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: HMDA reporting is a perennial source of questions, errors, and civil money penalties. We will describe the loan applications that must be included on the Loan Application Register and for each loan, the information that must be included. What You Will Learn: The definitions critical to accurate HMDA reporting, including dwelling, home improvement, refinance, prequalification, temporary financing, and more…  Which loan applications are reportable, which are optionally reportable, and which should not be reported The information that must be included for each reported loan application Any new regulatory changes that may be forthcoming! The massive changes to HMDA that Dodd-Frank will bring! Target Audience:  Compliance and audit personnel, Loan Operations Qty:     Contact us for more information on this Product

  + RESPA - Overview of the New Final Regulations - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The regulators continue to rock our worlds with more huge changes to the lending regulations. Learn what changes HUD has put in place with its new final RESPA regulation, including: The new mortgage servicing transfer disclosure and timing requirements for it, The new allowable cost calculation for settlement services, The new Good Faith Estimate and HUD-1 settlement statement forms, and the host of new requirements, accuracy tolerances and fee restrictions that accompany the new GFE, and When the new changes become effective. Target Audience: Compliance and risk management staff, lending management, auditors, lenders and loan processing personnel Qty:     Contact us for more information on this Product

  + Restitution, Payment Schedules, and the Latest APR Win Software - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Restitution in lending still continues to be a “great mystery” to management and loan personnel at financial institutions throughout the country. Institutions continue to struggle with how to properly calculate the restitution or even whether restitution should be made. Now with the recent changes to Regulation Z, additional problems present themselves in determining how to calculate payments let alone restitution. One of those recent changes is the new interest rate and payment summary tables and you will need to understand how they will affect the calculation of restitution. This session will take you step-by-step through the Office of the Comptroller of the Currency’s Windows-based version of the Annual Percentage Rate program (APRWIN v6.2 - Released May 2008). This tool for verifying APRs and reimbursement adjustments includes relevant finance charge and APR tolerances for verifying the accuracy of APRs and finance charges on loans, including loans secured by real estate or a dwelling. What you will learn: NEW Interest Rate and Payment Summary Tables What information do you use? Regular and irregular transactions Construction and construction/perm loans What standard are you held to? Target Audience: Loan operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product

  + Right of Rescission - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The right of rescission was written in 1968 in very broad terms to remedy a particular abuse that is rare today. Because of bureaucratic inertia and timidness, it survives to plague millions of modern credit extensions that never would have prompted, and do not deserve, such an extreme remedy. The Truth in Lending Act says one thing about it, Regulation Z says something very different, and the Official Commentary just adds to the confusion. Learn the correct way to handle this regulatory dinosaur and how to let borrowers who really need a waiver do it in a way that's relatively safe for your bank. What You Will Learn: What loans are exempt from rescission Which customers get to rescind What days count as "business days"  How long the rescission right continues if you don't give correct disclosures How to handle rescission when adding a security interest to an existing loan How to handle a customer's request to waive the right to rescind Who Should Attend:                           Branch managers, commercial and consumer lenders, real estate lenders, loan processors, auditors, compliance personnel Qty:     Contact us for more information on this Product

  + SAFE Act Live Update - Training on Demand (Live Q & A's Included) Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: We will bring you up to date on where things stand now as far as the implementation of the SAFE Act. We will cover: A quick recap of the background and coverage of the SAFE Act A review of who in your institution will be considered to be a Mortgage Loan Originator (“MLO”)        - Why the current vague MLO definition will cause problems        - What the two alternate approaches are to defining position descriptions relative to MLOs A summary of what your institution’s obligations are under the SAFE Act Administrative and structural issues the SAFE Act raises Where you can go to obtain additional detailed guidance with respect to registration of your MLOs The timing of getting all of your MLOs registered We will also provide plenty of time for live questions and discussions relating to what the rules require of your institution and what your options are for how you approach your compliance responsibilities. Target Audience: This webinar is for compliance personnel dealing with mortgage related lending compliance issues, loan originations and loan operations personnel, auditors, and all loan origination personnel who deal with prospective mortgage loan customers. Qty:     Contact us for more information on this Product

  + SAFE Mortgage Act Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Regulations implementing the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (aka the “SAFE Act”) go mandatory October 1, 2010. The Act and its implementing regulations will, over time, reshape the way mortgage products are delivered to your customers. While the new Mortgage Loan Originator (MLO) registration requirements in the rules have been delayed until an unannounced date (currently expected to be near the middle of 2011), there is much you can and should do now to prepare for the full impact of the SAFE Act. You have decisions to make, policies and procedures to create, internal recordkeeping systems to design, standards to create and many, many people to train. What You Will Learn: What the full impact of the new rule is What choices you have to make regarding your staffing What you can start doing immediately to get ready Who Should Attend: Compliance Officers, Chief Credit Officers, Mortgage Lending Management, Consumer Lending Management, Loan Officers and Other Lending Staff. Individuals in charge of Human Resources Management should also be encouraged to attend. Qty:     Contact us for more information on this Product

  + The Average Prime Offer Rate - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Since its "birth announcement" in Regulation Z's final rules, the entire financial services industry has been eagerly awaiting its arrival. It had, after all, a pre-ordained place in the regulatory scheme with large sections of Regulation Z's revised rules designed to be triggered (or not) based upon the spread between it and a loan's final annual percentage rate. "It" is Federal Reserve's new "Prime Offer Rate" which will become an integral part of Regulation Z and Regulation C's rules on October 1, 2009. Now that Fed has started publishing this new index, the lending industry needs to learn what to do with it. We will discuss the use of this new index in detail in this webcast.  What You Will Learn: What "it" is Where to find information about it when you need to How to use it to comply with: Regulation Z's new rules relating to high rate mortgage loans, and  HMDA's rules for reporting rate spreads   Target Audience: Loan officers, loan operations personnel, auditors, compliance personnel and others involved in creating, understanding, or in quality assuring loan disclosures and HMDA reporting. Qty:     Contact us for more information on this Product

  + The Remote Deposit Capture Assessment - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Guidance from the FFIEC suggests that Remote Deposit Capture (RDC) must be viewed as a delivery system. The associated risks of this delivery system must be understood and quantified by any financial institution offering RDC to their customers. In this webinar on “The Remote Deposit Capture Assessment,” we will discuss the FFIEC guidance and how a financial institution can assess the risks associated with this product, including compliance risks. We will address the technology aspects that allow customers to initiate deposits from their premises. We will also look at risk management techniques that can help an institution assess merchant environments, the combined operation for processing remote deposits, and the contractual agreement between a financial institution and a commercial customer. What You Will Learn: Relevant points of interest regarding the FFIEC RDC assessment guidance The elements of an RDC Risk Assessment How to conduct an RDC Risk Assessment Target Audience:  Risk management, lending and compliance personnel at financial institutions that offer, or are considering offering, Remote Deposit Capture Qty:     Contact us for more information on this Product

  + Unfair or Deceptive Acts or Practices: A Refresher for Dodd-Frank Compliance - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The government is on a continuing quest to eliminate "predatory lending" and any perceived unfair or misleading actions or ongoing practices by financial institutions that would contribute to the financial bewilderment of the consumer. Various agencies have over the years issued regulations and commentary, restricting (and sometimes instructing) financial institutions on permissible ways and means of dealing with consumers and financial institution customers. In July 2010 the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), which reinforces and supplements the traditional rules. What You Will Learn: What types of acts and practices are traditionally covered by the UDAP guidance and rules  What the Dodd-Frank Act requires How to conform your practices to address the various UDAP requirements Who Should Attend: This webinar should be attended by audit, compliance, credit administration, and other personnel responsible for deposit and loan compliance management in your institution. Qty:     Contact us for more information on this Product

• Other Bank Staff Training

  + ADA Requirements for ATMs - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Department of Justice has issued final rules regarding the Americans with Disabilities Act (ADA) and automated teller machines (ATMs). These final rules require new standards for accessibility to ATMs by impaired customers. These rules cover such items as voice guidance, height and reach requirements, input devices, numerical keypads, function keys, display screen, and Braille instructions. This webinar will provide guidance on the specifics of the rule, what modifications may be required, what ATMs should be modified to comply with these new rules and the practical impact of complying with these rules. What you will learn: The new ADA regulations that apply to ATMs What ATMs must be modified When an institution must comply with these rules The practical impact of these rules Target Audience: Compliance Officers, Risk Managers, Human Resources, Auditors, Operations Management Qty:     Contact us for more information on this Product

  + Advertising Rules for Deposit and Non-Deposit Investment Products - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Advertising regulations can be traps for the unwary. Regulations limit what can be stated in an advertisement and also mandate what must be disclosed. Do you know how to craft a compliant deposit advertisement? When can you say “free” in an ad? What are the regulations for advertising non-deposit investment products? We will discuss the regulatory guidance that governs advertisements for deposit products, including the use of the words “free” and “profit.” We will also cover advertising requirements related to non-deposit investment products and FDIC membership. We will touch on matters relating to UDAP in connection with advertisements. What You will Learn: What must be included in a deposit advertisement? What limitations are imposed on the use of the term “free” or “profit” in an advertisement? What is required in an advertisement of non-deposit investment products? Specific requirements for advertising overdraft protection products How UDAP rules generally impact advertisements Target Audience: Compliance officers, auditors, marketing personnel, risk officers, deposit and loan operations employees. Qty:     Contact us for more information on this Product

  + Affiliates and Sharing with Third Parties - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with affiliates, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline. What You Will Learn: What information may you share? Using consumers' information for marketing purposes Affiliate sharing Fair Credit Reporting Act Gramm-Leach Bliley Act and Regulation P Privacy notice What standard you are held to? How much security is enough? Handling intrusion and customer notification Anti-identity theft provision Inconsistencies in affiliate-sharing and the new privacy notices. Target Audience: Loan and deposit operations staff, auditors, compliance officers, compliance personnel and other individuals in your deposit and loan operations areas that are affected by these rules. Qty:     Contact us for more information on this Product

  + Compliance Aspects of Defaulted Real Estate Loans - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: You’ve seen in the news how mistakes on state law issues, such as not reading the documents before signing foreclosure papers, can foul up a loan collection, right? Learn how to avoid the pitfalls brought on by federal compliance laws regarding bad (or going-bad) real estate loans. What must you continue to do after the borrower defaults? What can you stop doing? At what stage in the process? Some of the answers may surprise you. Let the surprises come here, inexpensively, in the safety of a webinar, rather than at great expense and embarrassment in a courtroom. The entire presentation is done in FIS’s usual plain-English style. What You Will Learn: That there is a federal appointee paid on commission to defeat your liens The pitfalls when you add obligors to a loan Things to avoid as you negotiate When you may pull credit on whom HMDA angles to commercial restructurings Environmental issues and risk Bank Secrecy Act and deteriorating loans What to do about deceased borrowers Who Should Attend: Workout personnel, compliance staff, loan officers, loan operations personnel, auditors Qty:     Contact us for more information on this Product

  + Compliance Best Practices for 2012 - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Kick off 2012 on the right foot! 2011 was a very busy year and who can keep? We’ve compiled your issues and problems from your compliance questions, and we’ve compiled several best practices for you to take away from this session. Join our entire panel of experts as we discuss best practices that you can employ within your institution so that you don’t spend 2012 hiding under 2011’s problems!. We will cover the following Best Practices: Update your risk assessment Reviewing and updating policies and procedures Training Documentation Monitoring for compliance Compliance management program Who Should Attend: Senior management, compliance and audit personnel Qty:     Contact us for more information on this Product

  + Compliance for Illegal Discrimination and Regulation B - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Regulation B prohibits discrimination in a credit transaction on an illegal basis. Regulation B violations can be more costly than violations of any other regulation. This seminar will include a comprehensive discussion of what constitutes illegal discrimination, steps that your bank can take to prevent illegal discrimination, and methods to monitor your bank's credit process to detect illegal discrimination if it should occur. Target Audience: Loan officers, persons in credit administration, fair lending officers and compliance officers Qty:     Contact us for more information on this Product

  + Compliance for Regulation DD - Deposit Disclosures - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: You've heard about the Overdraft Protection Amendments to Regulation DD, and you've been given advertising requirements. But what else is there to Regulation DD? A lot more! All your account disclosure requirements and subsequent disclosure requirements are here and simplified for your bank to comply with on a daily basis. Does your bank provide traditional deposit products and some non-traditional deposit products, or are you confused about what disclosures to provide and when? Hear and see Regulation DD broken down step-by-step in one hour. What You Will Learn: The types of accounts covered under Regulation DD What a new account is for disclosure purposes The disclosures provided for each type of account at account opening Which types of changes to account disclosures require subsequent disclosures What a Regulation DD periodic statement is and when it is required What the CD disclosure rules are Target Audience: Heads of deposit operations, technology managers, new accounts personnel, compliance personnel, and auditors Qty:     Contact us for more information on this Product

  + CRA - Defining Your Assessment Area and Maintaining the Public File - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Have there been changes to your financial institution’s footprint? Has your financial institution’s CRA Assessment Area been reviewed recently? You should review your Assessment Area for potential changes before the examiners change it for you. Do you know what information should be contained in the CRA public file? Are you keeping your financial institution’s public file up to date? This session will provide information on defining the Assessment Area, adjusting Assessment Area as needed, and keeping the CRA public file up to date. What you will learn: How to define the Assessment Area Factors to be consider in defining the Assessment Area Why adjustments should be made to the Assessment Area Requirements for maintaining CRA public file Target Audience: CRA Officers, compliance and audit personnel, lending staff and management Qty:     Contact us for more information on this Product

  + Criminal Penalties in Statutes - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Because there are very few criminal sanctions in the banking arena, a financial institution and its employees could be lulled into a false sense of believing that that if they cross the line - “it’s only money.” The fact is, there are criminal sanctions available to law enforcement and every financial institution employee is subject to them from senior management to the newest employee. This webinar will give an overview of the most common criminal sanctions, how to be aware of them, and what you can do to protect against them. What you will learn: How to inform yourself about possible criminal sanctions Why are some acts subject to criminal penalties versus civil penalties What are the most common areas subject to criminal sanction Who can face criminal penalties What steps you can take to help prevent occurrence Who should attend: Compliance managers, BSA/AML personnel, loan personnel, auditors Qty:     Contact us for more information on this Product

  + Dispute Resolution Under Regulation E - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: Consumer disputes arising from unauthorized electronic transactions seem to be on the rise. We have all experienced claims of unauthorized activity that left us with suspicions and the bank without money. Knowing the rules and having procedures designed to provide the bank with a blueprint for a thorough investigation of the allegations, will allow you to respond confidently to these disputes, providing credit when appropriate and properly responding to the consumer when your investigation reveals no error occurred. What you Will Learn: What is an error for Regulation E purposes  Who is covered by Regulation E Time periods for dispute resolution under Regulation E When to issue provision credit and what to do with it when the investigation is complete What to do when you don't believe your customer's story How VISA and MASTERCARD rules for dispute resolution differ  Target Audience: Compliance Officers, Bank Auditors, Risk Officers and Deposit Operations Employees Qty:     Contact us for more information on this Product

  + FCRA and Your Obligations as an Information Furnisher - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: The Fair Credit Reporting Act and FACT Act are not only still alive, but they're still kicking, with new programs and requirements still arising periodically. The newest in the growing list of FCRA/FACTA requirements is the new set of required policies and procedures under Regulation V to handle consumer disputes about consumer report information, and to ensure the accuracy and integrity of information that is furnished to consumer reporting agencies. This session will walk through the new policies and procedures that all furnishers will be required to have, procedures that are encouraged by the regulators, and more that may be on the way! Who Should Attend: Compliance Officers, Risk Managers, Auditors, Chief Credit Officers, Lending Management Qty:     Contact us for more information on this Product

  + FCRA Identity Theft & Address Discrepancy Red Flag Requirements - Training on Demand Non-Member Price: $175.00 (plus applicable sales tax) This recorded session includes an audio/visual presentation as well as the Workbook Materials from the session. You will receive an email containing the link to this recorded session which can be accessed by anyone in your institution from any location. The link can be accessed as many times as you would like within that month from any Internet connection. Description: After years of waiting, we have regulations for the red flag identity theft requirements under the Fair Credit Repo