Wednesday, January 24, 2018 - 11:00 AM - 12:30 PM ET
This proactive webinar provides a thorough overview of commercial lending requirements from a loan structure, documentation, and compliance perspective.
Basic business structure will be presented along with loan structure and loan support. Additionally, commercial lending issues relative to loan documentation will be reviewed. Loan pricing and monitoring will also be covered along with a review of current compliance issues.
The webinar will be summarized through a comprehensive case study.
Tuesday, January 30, 2018 - 11:00 AM - 12:30 PM ET
Bankruptcy isn’t anything a creditor should fear! Bankruptcies have for a long time been the bane of both creditors and debtors, but there’s no reason that should be. A Chapter 7 bankruptcy can actually be beneficial to a creditor, both during and after the bankruptcy, and as respects current and future obligations or transactions with the filing debtor.
This session is a cost-effective way to minimize the negative impact bankruptcies can have on your business, while providing potential ways to actually turn a chapter 7 into a profitable event for your institution, and arm you with the knowledge it will take to navigate this complex area of law either yourself or with minimal legal help – helping you avoid costly legal fees and harmful write-downs of loans and obligations.
Thursday, February 1, 2018 - 11:00 AM - 1:00 PM ET
The Gist: Financial Institutions that engage in transactions involving money generated by marijuana-related activity are subject to criminal liability for failure to identify or report financial transactions which implicate violations of the U.S. Controlled Substances Act (“CSA”).
However, there is real potential for community banks and credit unions to offer their services to marijuana businesses. This is because bigger national banks continue to close out the last of their existing cannabis-related accounts. Although your Institution would still take on risk by providing services - which, technically, would violate federal law - if you comply with the Cole Memo and FinCEN Guidance, then this could be a lucrative opportunity.
Thursday, February 8, 2018 - 11:00 AM - 12:30 PM ET
Who is the best defense against fraud and loss at your Institution? Tellers on your frontline!
Tellers deal with checks every day; however, if they don’t deal with them in accordance with the “law of checks” – that is, the Articles 3 and 4 of the Uniform Commercial Code (UCC) - your institution could face unnecessary headaches and financial loss. Use this webinar to arm yourself and your staff with vital UCC information and examples.
Being a BSA officer requires technical knowledge, communication and cooperation with auditors and regulators, and the ability to navigate and negotiate among entities within your Institution.
We will review BSA requirements and examine real-life scenarios. You will learn which areas in your Institution require additioal research and how to investigate, file, and track a SAR. After attending this webinar you will be well-positioned to meet- and surpass- examiner and regulator expectations.
Tuesday, February 13, 2018 - 11:00 AM - 12:30 PM ET
This session will teach you how to hit that ECOA bullseye. Learn to fire arrows to nail the Reg B target with attorneys who have the knowledge, experience, as well as a U.S. Supreme Court affirmation on this important topic.
We will provide practical tips and tools to ensure you nail the target. Join us for engaging play-by-play information on ECOA and the latest trends in Regulation B.
We will review, E-OSCAR (Electronic-Online Solution for Complete and Accurate Reporting), pros and cons of using METRO vs METRO-2 format, and special comment reporting codes. Also, we will discuss if you should report to more than one NCRA, and why you have to run quality checks on that data to make sure your trade lines are reporting accurately to stay in compliance.
In this session, we will examine the CFPB's broad application of its UDAAP authority. Taken together with an exploration of the CFPB's various informal guidance documents addressing debt collection issues, we will determine what constitutes a potential UDAAP violation according to the Bureau.
We will also review the Federal Deposit Insurance Corporation's (FDIC) debt collection recommendations for 1st party collectors, as well as compliance points related to the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transaction Act (FACTA), and the Fair Debt Collection Practices Act (FDCPA). Finally, we will explore the recent verdicts and rulings that affect how you handle slow-paying accounts.
Upon completion of this webinar, participants will understand:
• What regulations cover advertising for credit products;
• What communications are considered “advertisements”;
• What are triggering terms and triggered disclosures;
• When the Member FDIC/NCUA and Equal Housing Lender logos are required;
• Differences between advertising requirements for consumer and commercial loans; and
• UDAAP issues surrounding advertising.
Accountholders or members with Limited English Proficiency ("LEP Consumers") are individuals who do not speak English as their primary language and who have a limited ability to read, speak, write, or understand English. By opening up your services, benefits, and/or encounters to non-English speakers - especially those who speak and read Spanish - you expand your market of customers.
The focus of this interactive webinar is to limit your financial institution’s liability. This session outlines your responsibilities to the Federal Government if a beneficiary is deceased but still receiving benefit payments. The NACHA Operating Rules still apply when processing these payments but the Green Book outlines the exceptions when handling DNEs (Death Notification Entries) and Federal Government Reclamations.
Despite the fact that a majority of United States organizations have experienced a cyber-attack either directly or through a vendor, U.S. businesses do not consistently address cyber threats. This webinar will help: (1) you focus on what you can control to mitigate litigation and reputational risk; (2) your organization create a culture of cybersecurity continuity; and, (3) ensure everyone in your Institution understands the role s/he plays in protecting information, customers, assets, other employees, and your corporate mission.
A 10-Step Checklist will be used throughout the session to help you learn how to design, implement, and monitor an efficient Cybersecurity Program.
You will also receive a complimentary 9-part Toolkit to help your Institution comply with federal and state cyber laws.
This session will explore all elements of your business continuity plan, including design, testing and implementation.
Every financial institution should have a tested business continuity plan. This plan should prepare your institution for when something goes wrong. The potential for disaster is limitless, from short term software failure to long term facilities loss. Having a plan in place will help your institution deal with these disasters with confidence and in an effective and efficient manner.
Reading consumer credit reports used to be simple! Today, many credit reports exceed 7 pages in length. It practically takes a forensics degree to decipher the data therein. Fear not, Greg will help you become fluent in the language of credit reports faster than you can say, "Experian, Equifax, and Trans Union" (the BIG 3 National Credit Report Agencies (NCRAs).
In their latest Supervisory Highlight, the CFPB released an update on Credit Reports. During this session we will analyze consumer credit reports from the NCRAs. We will review the different file formats of these reports, as well as the best add-on products available through each NCRA. We will discuss the differences in the credit report and scores that the consumer receives from an NCRA versus- the credit reports and scores that are used by your FI. Further, we will discuss issues related to credit scores and identity theft, as well as discussing red flags that will help you spot and prevent identity fraud.