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IBA Compliance On-Demand Webinars

The IBA Compliance team has created a library of recorded webinars addressing regulatory compliance issues. The following webinars are archived recordings of previous IBA webinars developed by the IBA’s compliance team, available for purchase and viewing at your convenience. Most webinars are approximately 90-minutes. All webinars include handouts.

Contact Darcy Burnett at (800) 532-1423 for more information.


2022 Annual Training 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, 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
  • Fair Credit Reporting Act – Permissible purpose, fraud alerts, consumer rights and related disclosures, and other key points
  • Reg. Z and TRID – hot topics in mortgage lending including Reg. Z coverage, TRID coverage and exclusions, changed circumstances, recent exam findings, and the revised QM rule
  • Flood Insurance – FDPA requirements, coverage, exemptions, determining coverage, private flood insurance and Risk Rating 2.0: Equity in Action requirements
  • Fair Lending – Fair lending laws and regulations, prohibited basis, scope, changing environment resulting in renewed focus on fair lending, expansion of key definitions, redlining, fair servicing
BSA Segment – Part Three
  • Customer Identification Program Requirements – key definitions and exemptions, identity and verification requirements, and common issues
  • Beneficial Ownership – key definitions and exclusions, ownership and control prong requirements, partial exemptions, and exceptive relief rules
  • 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
BSA FOR DIRECTORS Segment – Part FOUR
  • Importance of BSA to Board and enforcement trends
  • Anti-Money Laundering Act of 2020
  • BSA/AML Compliance Program Components
  • Board Responsibilities
  • Recent changes to BSA program requirements

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

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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.

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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.

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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.

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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.

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Escrow Establishment – Tips for Success

$150 for members

Escrow accounts can be challenging due to various lending laws and regulations that govern escrowing for taxes, insurance and similar fees.  However, for some banks, escrow accounts are unavoidable and beneficial as they ensure collateral remains adequately protected. Turn your challenges into success stories by joining us to learn about the following:

  • Need to know RESPA requirements
  • Special rules related to Flood premiums and HPMLs
  • Tips and trick related to initial and annual escrow analysis statements
  • Determining escrow deposit amounts
  • Handling surpluses, shortages and deficiencies
  • Short-year statement requirements and when to use them
  • Possible vendor issues
  • Recent regulatory guidance and FAQs, and more!

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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.

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Flood – Keep Your Program Afloat

$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.

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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.

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Legal Hot Topics for Bankers

$150 for members

Bob Hartwig, IBA legal counsel, covers common hot topics and pitfalls relating to deposit and loan transactions and accounts.  For the first hour, Bob will cover the following topics, leaving 30 minutes to field your questions.

Topics include:

  • Garnishment and levy challenges regarding account cross-ownership, protected funds and recent case law related to Iowa Code;
  • Check handling liability concerns such as forged or altered signatures and other “sticky” areas of liability;
  • Banking after death of accountholder including payout of funds to POD beneficiaries, dealing with small estates, family settlement agreements, and escheatment law as it relates to time accounts;
  • Lending issues related to open-end mortgages and problematic areas of UCC-9.
  • Plus he will discuss new Iowa law interpretations regarding statute of limitations for bank records.

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Mortgage Servicing – Not a Big Bank Issue: Six Servicing Snags

$150 for members

The regulatory agencies are scrutinizing the impact of bank’s mortgage servicing processes on consumers, especially for borrowers provided payment accommodations in the last two years. Recent supervisory publications warn banks and other mortgage servicers of practices noted during recent 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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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!

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Qualified Mortgages Redefined On-demand 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.

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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

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