Iowa Bankers Insurance & Services, Inc. Iowa Bankers Mortgage Corporation
Iowa Bankers Association
8800 NW 62nd Avenue
Johnston, IA 50131
Toll-Free: 800-532-1423
Local: 515-286-4300
Fax: 515-280-4140

IBA Compliance On-Demand Webinars

Archived Industry News:IBA Compliance On-Demand Webinars

Last Updated: 5/4/2021 2:46 PM

The IBA has a library of recorded webinars addressing regulatory compliance issues. The following webinars are archived recordings of previous IBA webinars available for purchase and viewing at your convenience. Most webinars are approximately 90-minutes. All webinars include handouts.

Contact IBA’s
Darcy Burnett for questions about IBA’s On-Demand compliance webinars. 

All Things HPML
$150 for members
The CFPB recently released a final rule implementing a new exemption the requirement to escrow for first lien Higher Priced Mortgage Loans (HPMLs).  To be eligible for the exemption, institutions must meet certain criteria based on their asset size, loan volume, where they currently make loans and current escrow activity.  If your bank in interested in discontinuing your current HPML escrow program or has been limiting your interest rate margins to avoid making HPMLs and the accompanying escrow requirement, this webinar is will review the existing HPML rules and exemptions PLUS assist you in determining if your institution originates HPMLs, the requirements related to these loans, and if your bank is eligible for this new escrow exemption. Webinar topics include:
•    Covered loans
•    Process for determining rate spread
•    Escrow requirement – what must be included in the escrow
o    Loan exemptions
o    Existing small creditor exemption
o    New “insured institution” – low volume exemption
o    Cancellation provisions
•    Appraisal requirement – coverage & requirements of appraisal (certified appraiser, etc.)
•    Loan exemptions
•    2nd appraisal rule
•    Copy requirement/timing/no waiver

Qualified Mortgages Redefined OnDemand Webinar
$150 for members
The Truth in Lending Act provides certain protections from liability for creditors that evidence repayment ability by making mortgage loans that meet the Qualified Mortgage definitions.  Those definitions recently changed plus a new QM option was added and the GSE Agency QM will soon be removed!  Join us to learn:

  • The mandatory effective dates of the changes
  • Which QM standards did not change
  • The details of the updated General QM standard
  • Details of the new Portfolio QM standard
  • How to transition from the GSE “Agency” QM Patch
  • Tips to prepare for these upcoming changes

Determining an applicant’s ability to repay is critical when offering mortgage products – both to prevent consumer harm and also to protect the bank.  Don’t miss this opportunity to learn about all QM standards available to your bank and which may be best suited to your products and risk tolerance.

2021 Annual Training On-Demand Webinars
$200 for each session for $500 for all three.

The IBA Compliance team is presenting two On-Demand seminars designed to meet your annual compliance training needs. This three-part series provides high-level annual training for bankers in retail deposit, lending, operations, and management.

Deposit Segment - Part One 

  • Reg. CC: Expedited Funds Availability Act - coverage, funds availability, holds, and practice opportunities
  • Reg. E: Electronic Funds Transfer Act - coverage, errors, unauthorized transfer investigations, liability, practice opportunities
  • Reg. D: Reserve Requirements - NOW eligibility, CD penalties, and recent changes to definition of “savings deposit”
  • Reg. DD: Truth in Savings Act - coverage, disclosures, frequent violations, UDAP concerns, and bonuses
  • Reg. P: Privacy of Consumer Financial Information - purpose and disclosure requirements

Lending Segment - Part Two

  • Reg. Z and TRID - coverage, exemptions, changed circumstances, and FAQs
  • Private Flood Insurance - coverage, exemptions, determining coverage, and private flood insurance
  • Fair Credit Reporting Act - Permissible purpose, key user responsibilities, key furnisher responsibilities, and other key points
  • Fair Lending - Discrimination categories, scope, GMI collection, discretionary lending practices, redlining, fair servicing

BSA Segment - Part Three

  • Customer Identification Program Requirements - key definitions, identity and verification requirements, and common issues
  • Beneficial Ownership - key definitions and exclusions, exceptive relief rules, and common issues
  • Customer Due Diligence - customer risk profiles, monitoring requirements, importance of documentation, and life cycle of account
  • Currency Transaction Reporting – triggers, exemptions, customer inquiries, and recent changes
  • Suspicious Activity Reporting – triggers, frequency, human trafficking and filing requirements, and FinCEN guidance related to hemp-related businesses



2021 BSA for Directors Training
$150 for members
Wondering if there is an inexpensive and convenient way to train your Board of Directors on the requirements of the Bank Secrecy Act?  Now there is. Register for this on-demand training session specifically designed for the Board. The webinar
includes high level overview of the required components of the bank’s BSA and AML programs, related board responsibilities, recent changes to the BSA program requirements, emerging risks and penalties for non-compliance.

Common Compliance Concerns
$150 for members
Everyone will agree that 2020 has been a year of change, diverting attention away from the typical compliance topics to develop new and innovative programs to assist customers in need.  While important, compliance professionals also need to maintain their compliance focus, staying alert to potential regulatory violations.  In this session, we will discuss several common violations cited by federal prudential regulators and our own compliance review analysts.

Most common violations cited:

  • Reg. B’s spousal signature requirements and intent to apply jointly
  • Reg. H’s flood insurance purchase and force-placement requirements
  • Reg. Z’s finance charge requirements, TRID form completion, and ATR documentation
  • Fair Credit Reporting Act permissible purpose and adverse action notice requirements
  • Reg. E’s Error Resolution challenges
  • BSA issues related to CDD and Beneficial Ownership

Join us for a review of the regulatory requirements, common violations and tips for compliance management to mitigate the risks of potential violations in these areas


The HMDA “Golden Ticket” For Low Volume Reporters
$150 for members
In April the Consumer Financial Protection Bureau issued the HMDA “golden ticket” for many banks by amending Regulation C to permanently increases the HMDA reporting threshold for closed-end mortgage loans to 100 originations in either the previous two years and establishing a permanent open-end threshold as well.  This webinar will cover the details of that final rule and is ideal for those new exempted institutions and institutions that hover near the increased 100 closed-end mortgage threshold.  Webinar topics include:

  • Details of the final rule for both closed- and open-end mortgage transactions
  • Which loans to “count” when determining if an institution is exempt from HMDA reporting
  • 2020 collection and reporting obligations for new exempted institutions
  • Reg. B Government Monitoring Report for newly exempted institutions
  • Tips for evidencing newly exempted status


Reg. CC Funds Availability – To Have or To Hold??
$150 for members
IBA’s compliance webinars are a continuing series. Brought to you by the IBA compliance staff they offer timely information, addressing key regulatory issues when you need it. The webinars keep you informed and ready for the challenges of the changing regulatory financial services environment.

Has your bank experienced deposit losses recently due to check scams? Does your bank struggle with placing Reg. CC holds?  Is your bank ready to implement the new threshold changes? Join the IBA Compliance team for a webinar discussing the purpose of Reg. CC, the general funds availability guidelines, various delayed availability (hold) options and provides details and an action plan to implement the upcoming fund availability and hold threshold changes effective July 1, 2020. This session will include several deposit scenarios to help bankers with the application of the current and upcoming rules and discuss common exam or review findings. Sign up for this live webinar and receive a link to the training presentation and materials for use in training your staff. Register

Understanding Section 8 of RESPA & Avoiding Kickbacks and Unearned Fees Webinar
$150 for members

Section 8 of RESPA attempts to protect consumers from unnecessarily high settlement costs caused by abusive practices between settlement service providers. While RESPA has not changed much since its inception, the mortgage industry has evolved by leaps and bounds – sometimes bringing into question how Section 8 of RESPA can be applied to current mortgage lending activities.  In this webinar we will review Section 8 basic rules and apply the rule to current mortgage lending practices.

  • Prohibited activities under Section 8 of RESPA
  • What constitutes a referral fee, unearned fee, and kickback
  • Permitted compensation
  • Properly disclosing affiliated business arrangements
  • Pitfalls of certain marketing activities including marketing service agreements, lead agreements, website linking, payments to brokers, and more
  • Tips for reducing Section 8 violation risk



Elder Financial Exploitation
$150 for members

It is no secret that elder financial exploitation is on the rise. While the Bank Secrecy Act (BSA) requires the reporting of suspicious activity related to financial elder exploitation, banks also feel a moral obligation to protect seniors. While state law and the BSA regulations allow banks to report suspected elder abuse to state and local protective service agencies, many are hesitant to do so due to perceived legal risk. With the passage of section 303 of the Economic Growth, Regulatory Reform and Consumer Protection Act last year, banks can both protect their senior customers and receive federal protection from prosecution - but only if proper training has been received.

This webinar is structured in a manner to meet the training component requirements of Section 303 of EGRRCPA and will address:

  • What is financial elder exploitation;
  • The impact of financial elder exploitation
  • A financial institution’s responsibilities related to financial exploitation;     
  • Common scams and schemes targeting the finances of the elderly
  • Warning signs of elder financial exploitation;
  • Internal procedures for recognizing and reporting suspected financial elder abuse;
  • SAR filing requirements; and
  • Making reports to adult protective services.



Private Flood Insurance
$150 for members

The Biggert-Waters Act of 2012 dramatically changed flood insurance rules requiring escrow of flood insurance premiums for a greater number of covered loans, revising force-placement provisions and requiring the acceptance of private flood insurance coverage. The Homeowners Flood Insurance Affordability Act of 2014 provided an exemption for detached structures and revised Biggert-Waters escrow requirements for flood insurance premiums and fees. It also required the acceptance of private flood insurance policies. Although the detached structure exemption and the amended escrow provisions went into effect in July of 2015, the private flood insurance policy requirement was re-proposed and just recently finalized.  Effective July 1, 2019, all financial institutions are required to accept qualifying private flood insurance policies.  Join us to learn:
•    Definition of Private Flood Insurance Policy
•    Mandatory acceptance versus discretionary acceptance
•    What is in the “Compliance Aid” and what it means
•    When a Dec Page is not sufficient to evidence adequate coverage
•    Mutual Aid Society Policies
•    Map changes and the reuse of flood determinations
•    And more!


Fair Credit Reporting Act (FCRA) On-Demand Webinar
This On-Demand webinar includes covered definitions under the Fair Credit Reporting Act relating to reporting requirements, content for required policies and procedures, interagency guidelines, and the banks responsibility to furnish accurate information to the credit reporting agencies and manage disputes. Register

IBA Compliance Webinar - LO and MLO Originator Training

$150 for members
Requirements for training Loan Originator and Mortgage Loan Originators. Webinar covers some of the regulations that involve mortgage lending as well as other useful information, including why training is required, who is a loan originator, who is a mortgage loan originator, MLO qualifications, prohibited activities, LO compensation rules, state codes and federal regulations. Register

E-Sign Requirements
$50 for members
Considering delivering disclosures, notices and statements electronically? This 30 minute video will help you understand the requirements of the Electronic Signatures in Global and National Commerce Act (ESign) to ensure your delivery meets regulatory expectations. Amy Avitable, owner of Tata Consulting has prepared this video specifically for IBA members. She will walk you through the contract requirements, system validations, and demonstrative affirmative consent rules. Your link will allow repeated access to this session for up to six months. Register

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