IBA Compliance On-Demand Webinars

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The IBA Compliance team is presenting four On-Demand seminars designed to meet your annual compliance training needs. This four-part series provides high-level annual training for bankers in retail deposit, lending, operations, and management with an additional section for bank director BSA training.

Deposit Segment – Part One

• Reg. CC: Expedited Funds Availability Act – coverage, funds availability, hold options, upcoming threshold changes, and practice opportunities
• Reg. E: Electronic Funds Transfer Act – coverage, errors, unauthorized transfer investigations, liability, practice opportunities
• Reg. D: Interest on Deposits – coverage, reminders for NOW Accounts and CD penalties
• Reg. DD: Truth in Savings Act – coverage, disclosures, frequent violations, UDAP concerns, bonuses, and change management
• Reg. P: Privacy of Consumer Financial Information and FDIC Signage – Privacy: purpose and notice requirements.  FDIC signage:  Changes effective 1/1/25 and 5/1/25 related to FDIC-insured products and nondeposit products.

Lending Segment – Part Two

• Fair Lending Review and Update – Fair lending laws and regulations, protected classes, forms of discrimination, redlining, adverse action requirements, prohibited activities
• Fair Credit Reporting Act – Permissible purpose, policy and procedure requirements, direct disputes, risk-based pricing, and Notice to Home Loan Applicant
• TILA-RESPA Integrated Disclosures – scope and coverage, disclosure requirements, common TRID errors
• Reconsideration of Value for Appraisals – interagency guidance, secondary market requirements
• Flood Insurance – mandatory purchase requirements, standard flood hazard determination form, notice of special flood hazards, escrow and force-placement
• Seasoned QM option

BSA Segment – Part Three

• Risk Assessment Process – Per the AML Act of 2020
• Customer Identification Program Requirements – key definitions and exemptions, identity and verification requirements, and program tips
• Beneficial Ownership – key definitions and exclusions, ownership and control prong requirements, partial exemptions, exceptive relief rules, and Registry update
• Customer Due Diligence – customer risk profiles, monitoring requirements, importance of documentation, and life cycle of account
• Currency Transaction Reporting – coverage and exemptions, Designation of Exempt Persons, CTR filing requirements and resources, customer inquiries, and common errors
• Suspicious Activity Reporting – purpose and triggers, investigation process, importance of red flags and FinCEN Advisories, filing deadlines, documentation requirements and filing resources
• Fraud Identification – Elder financial exploitation, check fraud, money mules, deep fake media using generative AI

BSA FOR DIRECTORS Segment – Part FOUR

• Managing Risks
• Exam process and recent findings
• BSA/AML/CFT Compliance Program Components
• Board Responsibilities related to BSA, AML and CFT
• FinCEN updates

Pricing: $250 each for part 1, 2, or 3. $150 for part 4 (BSA) or $750 for all four.

Purchase

$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.

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$150 for members

Over the course of the last ten years, banks have experienced a deluge of changes related to requirements for collateral properties located in special flood hazard areas, including new legislative mandates, extensive map revisions, FEMA’s revised premium rating system and more. To assist banks in managing their flood compliance programs, the federal banking agencies recently released a revised guidance document consisting of 144 questions and answers (Q&A) that provide meaningful insight into responsibilities that have been in place for some time, changes in regulatory expectations as well as guidance on new mandates.

Significant topics to be addressed during the webinar include:

•  Flood rule applicability and exemptions;

•  Acceptance of flood insurance policies issued by private insurers;

•  Reuse of Standard Flood Hazard Determination Form;

•  Changes related to flood zone discrepancy resolution;

•  Flood insurance requirements for HE LOCs and junior lien mortgages;

•  Provisions requiring banks to escrow for flood insurance premiums and applicable exemptions;

•  Force placement procedures:

•  And much more!

Join the IBA compliance team as we highlight the significant changes and additions to the Q&A and possible impacts on your bank.

Purchase

$150 for members

The regulatory agencies are scrutinizing the impact of bank’s mortgage servicing processes on consumers, especially for borrowers provided payment accommodations. Supervisory publications warn banks and other mortgage servicers of practices noted during exams that violate Regulation Z and X’s mortgage servicing rules and worse yet, have been deemed unfair, deceptive and even abusive. As a result, banks – large and small – need to ensure their servicing practices are fully compliant and transparent. In this webinar, IBA staff identify six servicing errors ALL mortgage servicers – large and small – will want to ensure they are not making! Those six errors include:

• Lack of Considerations for Borrowers Exiting Forbearance Plans
• Error Resolution Deficiencies
• Failing to Properly Respond to Information Requests
• Misapplying Mortgage Payments
• Errors Regarding PMI Notices, Cancellation Requests & Automatic Termination
• Escrow Account Maintenance Errors

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$150 for members

Join IBA’s own Katie Kots and Melanie Knoll as they guide you through the upcoming Reg CC funds availability threshold adjustments and ways to utilize holds to help reduce check fraud. This 90-minute webinar will discuss why threshold increases take place, disclosure considerations, and required implementation steps to ensure you are ready by the July 1, 2025, compliance date.

What You’ll Learn

• Reg CC funds availability disclosure requirements
• 2025 Reg CC threshold updates
• Steps to implement threshold changes
• Check Fraud Red Flags
• Utilizing holds to reduce losses
• Hold notification requirements

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