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	Adverse Action Notices Presented by: Lucy Griffin Adverse action notices can be very complicated: who gets a notice, what if there are multiple applicants, counteroffers not accepted, credit reports and ten reasons not to make a loan. All this and more will be discussed so that you can avoid the common violations so many others have been cited for. Learn the rules, know the requirements.
	Advertising Rules for Lenders Presented by: Jack Holzknecht The lending area has several unique advertising requirements that are contained in the Fair Housing Act and the Truth in Lending Act. Recently a lot of attention has been focused on problems arising from the Federal Trade Commission's Deceptive Acts and Practices Rule. This program explains the rules as they apply to various advertising media, including websites.
	Analyzing HMDA Data Presented by: Jack Holzknecht Each institution covered by the Home Mortgage Disclosure Act (HMDA) receives a detailed HMDA disclosure in July of each year. The disclosure has always represented a goldmine of information for compliance, marketing and other analysis. With the expansion of HMDA to include pricing information both the volume and the importance of the data has increased. With the release of the 2005 data, two years of pricing data is available. Last year, with only one year of data available, analysis was largely limited to peer comparison. With two years of data trend analysis can begin. This program explores both the long-standing HMDA data and new data, and the potential uses of the both.
	Applications: Preapprovals and Prequalifications Presented by: David Dickinson Adverse action notices can be very complicated: who gets a notice, what if there are multiple applicants, counteroffers not accepted, credit reports and ten reasons not to make a loan. All this and more will be discussed so that you can avoid the common violations so many others have been cited for. Learn the rules, know the requirements.
	Appraisals: What You Need to Know NOW! Presented by: Richard Hagar An appraisal is not just a check-off item on a lending to-do list. It is a vital informational tool in the loan application process. If the appraisal is solid, it can help you book a good loan. That is why there are compliance requirements in place to help ensure the appraisal is accurate, reliable, unbiased. Learn what examiners are going to ask you about the appraisals and appraisal process used in your bank.
	A-Z of Reg B Presented by: Andy Zavoina Reg. B is a foundation for fair lending and the Consumer Protection Act. It is important to understand the spirit and intent of a regulation to properly interpret it. That is what this webinar is about. We'll cover the basic rules from the evaluation of application, data that must or may be gathered, when and which disclosures to provide, retention requirements and more.
	Construction Loan Compliance Issues Presented by: Jack Holzknecht Several lending compliance regulations contain special rules for construction loans. The rules tend to be complex and confusing mainly because there are many different ways to structure constructions loans. Therefore, the requirements differ depending on how the construction loan is structured. This two-hour seminar explains which lending regulations apply to construction loans and how the standard requirements of the different regulations are modified for construction loans.
	Credit Report Legal Issues Presented by: Jack Holzknecht and Mary Beth Guard The Fair Credit Reporting Act provides strict guidelines for obtaining and using credit reports, providing notices, as well as conditions for sharing information derived from the reports and disposing of it. In addition, the FCRA establishes duties for furnishers of information to consumer reporting agencies and requirements for dealing with incorrect information, accounts linked to identity theft, and resolution of error claims. Along with the clear text of the lengthy law, financial institutions must take into consideration the collection of Federal Trade Commission staff opinions interpreting its provisions and recent rules implementing some provisions added to the FCRA by the FACT Act.
	Dangerous But Forgotten Lending Laws Presented by: Jack Holzknecht Just because violations of a law or regulation are not in the press doesn't mean they have no teeth and won't be costly. Many regulations haven't changed and don't get much notoriety. In today's environment you cannot afford to be complacent. Whether someone in your institution needs a review or an introduction this webinar will cover seven of the "forgotten laws."
	Everything You Need to Know to Develop, Maintain and Audit ARM Disclosures Presented by: Jack Holzknecht You have ARM programs. You have ARM disclosures. It is important that you understand what the disclosures say, why, how often they must be updated, when they must be delivered, how to disclose rate adjustments and more. When compliance knows the content is up to date, and staff knows what to give, when and how to explain it, your chances of compliance violations have dropped and risks are being mitigated. Manage your risk and understand your requirements.
	Flood: What Your Lenders Need to Know Presented by: Jack Holzknecht Join our webinar to help you comply with flood insurance. We'll quickly review the basic requirements -- including the ones that cause so many problems. Then we'll talk about some sticky issues where compliance tends to wash away. If your flood insurance compliance has been eroding, join the webinar on flood insurance. First, we'll cover a basic review -- for compliance and loan officers. Then we'll talk about specific compliance problems, how they happen, and what you should do to prevent them.
	Flood Insurance Coverage Issues Presented by: Jack Holzknecht In recent years, examiners from all agencies have been "targeting" the flood insurance area during compliance exams. In many cases penalties have been imposed. Frequently the violations subject to penalties involve an inadequate amount of flood insurance or other coverage issues. This two-hour webinar covers all of the rules regarding flood insurance coverage.
	Frequent Foul-Ups - Lending Presented by: Andy Zavoina Besides correcting your own institution's compliance mistakes, what's another way to prevent problems in future audits and exams? One sure method is to keep current on other banks' frequent foul-ups. Auditors and examiners are certain to look for the same lending compliance problems they've found in other institutions when they visit your bank. Register for this information-packed two hour webinar, and get the scoop on what to expect in your next exam or audit.
	HMDA: Solving the Mysteries Presented by: David Dickinson HMDA compliance pits you and your staff against the clock every year as you struggle with its convoluted rules to produce a filing file that will accurately report all of the HMDA-qualified loans you've processed in the past year. The penalties for submitting even a partially incorrect file can be onerous; an order to refile stretches the frustration out even further. In his two-hour HMDA webinar, BOL Guru David Dickinson breaks HMDA requirements down into manageable, understandable pieces, helping to solve the mysteries of HMDA.
	HMDA: Data Submission Presented by: Phil Gay and Charles Cabler If Santa gave you HMDA for 2006, you're busy verifying and correcting data to be submitted by March 1. It is important that you use your time wisely. Knowing what is required, what to learn from the past and what to expect from the future, is doing just that. And when you learn how to assemble and analyze your data simultaneously, you'll be ahead.
	Identifying Financial Statements Fraud Presented by: Gene Bucciarelli Today's best audit departments do more than just audit. They practice a wide variety of techniques that add value to their organizations. These tools and techniques create a spirit of cooperation and teamwork throughout the organization. These tools and techniques create a spirit of cooperation and teamwork throughout the organization. They become an indispensable part of senior management's information system and are called upon to participate at all levels of tactical and strategic planning and system design.. This webinar will introduce you to the processes that could enhance the audit department's reputation and value to the bank, while making the auditor's job more rewarding.
	Insider Lending and Regulation O Presented by: Jack Holzknecht The program provides the information needed by the lending, compliance and audit staff to assure ongoing compliance with the regulation. Participants receive a detailed manual that serves as a handbook long after the program is completed.
	IRS Information Reporting for Financial Institutions Presented by: Laura Wilson They say the only constant, is change. That happens with tax reporting requirements and forms as well. If someone in your institution needs the basics or a refresher in managing the requirements of your TIN compliance program, you want them to attend this informative webinar putting tax speak into plain English.
	Lending Regulations - Coverage and Exemptions Presented by: Mary Beth Guard and Jack Holzknecht Examiners frequently cite violations that result from confusion regarding whether a particular disclosure was needed or not, or confusion regarding the appropriate timeframe for delivering a disclosure. The confusion is legitimate - coverage rules vary from regulation to regulation, as do the meaning of defined terms, and the timeframes for delivering disclosures. This two-hour seminar reviews lending compliance requirements and reviews techniques that help assure compliance.
	Residential Real Estate Loans: Performing a Compliance Audit Presented by: Patricia Cashman Knowing the technical requirements of regulations is not enough. Understanding them, being able to review them and to detect and correct errors is integral in your compliance and risk management programs. Learn how to find the error, the cause for the error and the best way to affect corrective action that cures the problem and reduces potential risks in the future. Auditing residential real estate loans is so much more than completing a checklist. Learn how the overall process will improve the quality of your loans and the confidence in your compliance program.
	How to Comply With the Rescission Rules Presented by: Jack Holzknecht Whether originating loans or reviewing completed loans for compliance, this program will meet your needs. All of the rules, from providing the notice of rescission to undoing transactions that the consumer has rescinded, are covered. The program explains what transactions are subject to the right to rescind, who has the right to rescind, how to handle rescission, and how to fix problems when they occur.
	Bankruptcy Abuse Prevention And Consumer Protection Act of 2005 Presented by: Sam Ott This seminar will provide the participants a comprehensive look at the major changes in the way bankruptcy proceedings will be conducted and the impact on the rights and obligations of both debtors and creditors due the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Participants will learn how the Act affects both consumer and business bankruptcies and the resulting changes that should be made to your policies and procedures.
	Common Mistakes in UCC Filing Presented by: John Garvey Mistakes made today in preparing and filing UCC documents can come back to haunt the lender for years after the loan is made. This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.
	Compliance for Commercial Lender Presented by: Jack Holzknecht Many commercial lenders were not trained in consumer regulatory requirements and don't know what may apply to them, or when. This causes confusion and leads to aggravation, violations, even reimbursements and lawsuits. This is an opportunity to train commercial lenders, secretaries, support staff and even compliance officers and auditors on the special situations and regulations that do apply to them. Content, focused on the commercial lender aspect, will include Reg. B, C, FCRA, Flood and Reg. Z, plus more.
	Court Watch Presented by: Jack Holzknecht Banks frequently get their backsides kicked in court. Whether we win or lose there are frequently important lessons to be learned from the court's decision. Sometimes in a losing effort the court explains what should have been done in order to prevail. In a winning effort the decision often explains why the bank prevailed. These decisions can be a blueprint to success. In cases where the bank is on the losing end, following the lessons provided by the court can help us to avoid the mistakes of the past and move to success in the future.
	CRA - Identifying and Documenting Community Development Activities Presented by: Jack Holzknecht CRA may be in a state of transition for your bank, but one constant is that community development is important whether you are a large bank or a small one. This program is designed to review what counts, and what does not, for community development. It is that simple. But a simple task it is not. If you have been through a CRA exam that included community development activity, you know this is true. Get through the confusion and get to the net, net, net of what will help determine your public CRA rating.
	ECOA - Review and Update Presented by: Jack Holzknecht If complying with the Equal Credit Opportunity Act and Reg B is so easy, there wouldn't be so many violations cited during regulatory exams. You have to pay attention to the big things, as well as the small ones. This webinar is designed to help you understand Reg B, including the prohibited bases or discrimination, appraisal rules and extensions of credit and much more. Because it speaks to the core of the compliance requirements, it is designed for compliance officers, auditors and those on the front line who "do" the compliance tasks, consumer, commercial and real estate lenders and support staff.
	Electronic Lending - How to Comply Presented by: Jack Holzknecht If you have or want to have an electronic lending program, this webinar will provide the informational foundation you need to comply with various laws. Included in the discussion will be E-Sign, UETA and CAN SPAM and how they will effect you. These and more will be discussed so that you can better comply and avoid criticism, penalties and lawsuits.
	Intro to Flood Insurance Presented by: David Dickinson Real estate means are intended to make money. But the list of financial institutions fined (that means writing a check to pay for the violation of law) because Flood requirements were not met continues to grow The reputation of your institution could be at risk when it is in the headlines for not complying with the requirements. Not only does this impact your bottom line, but you have to explain to your board why this happened. And it doesn't have to happen.
	Advanced Flood Insurance Presented by: David Dickinson Join Guru David Dickinson and Jerod Moyer of Banker's Compliance Consulting for a live 2-hour Advanced Flood Insurance webinar. The Advanced Flood Insurance webinar is intended to dive into some of the more complex issues that arise when trying to comply with the flood insurance requirements.
	Flood Disaster Protections Act - Review & Update Presented by: Jack Holzknecht Flood penalties through May 2005: $222,200. How do you know your institution will not add to this after your next exam? You first defense is knowledge through training. You can't afford to leave this critical function to "on the job training" where getting it done right the second time is acceptable. If you haven't trained on flood in the last year, if your staff have questions, if you have inexperienced employees who learn by doing, this training is targeted to meet your needs. Employees must know which loans the rules apply to, when they are required to be followed, and what has to be done to comply. This, common violations and more are the focus of this webinar.
	HUD-1/1A Settlement Statement Presented by: David Dickinson It seems like there are countless ways to complete a HUD-1/1A incorrectly. From Box B to Line 1400 there are literally hundreds of potential mistakes to be made. Two people who can detect these the quickest are the debtor's attorney, and your regulator. Join this webinar so that you can avoid these frustrating technical violations as David Dickinson takes you line by line through how it is done right, with real life examples and take-aways you can reference in the future.
	How to Avoid Penalties for Improper Lending Practices Presented by: Jack Holzknecht Assuring compliance with the highest risk compliance violations is the core of a successful compliance program. Most lending laws include penalties for non-compliance. In some cases the borrowers have the right to sue for damages. In other cases, the agencies can impose civil monetary penalties or order the financial institution to reimburse overcharges to the borrower. This two-hour webinar focuses on penalties for failure to comply with the Flood Disaster Protection Act, the Truth in Lending Act and the Real Estate Settlement Procedures Act. The seminar reviews common violations that result in penalties, typical penalty assessments and steps to eliminate the common violations that result in penalties.
	Lending Compliance Annual Recap Presented by: Mary Beth Guard and Andy Zavoina That's what this fast-paced two hour webinar is designed to help you ensure. It's a recap of the rule changes, statutory enactments, regulatory issuances, court cases, and penalty actions from the past year that you can use to keep your lending compliance program on target, and your institution out of trouble!
	Lending to Servicemembers Presented by: Mary Beth Guard and Jack Holzknecht If you have ever loaned money to a member of the National Guard or Reserves who was later called to active federal service, you've probably heard about the Servicemembers Civil Relief Act. But were you aware that servicemembers and their families are about to be protected even more? Join Mary Beth Guard and Jack Holzknecht in this important two-hour webinar to learn more about the special rights and protections that congress has given to members of the armed forces and their families, and how the new law could have unintended consequences.
	Loan Application Rules Presented by:Jack Holzknecht While applications haven't changed for your loans, the rules applicable to them have. Reg. B, Reg. C, and the FCRA have had substantive changes in the last few years. Are all your employees up to speed on what may be shared when, and with whom and only after what disclosures have been made. BSA and CIP doesn't apply to the loan side of the bank, or does it? Learn how to avoid being burned because while the application hasn't changed, the application of rules has.
	Lending Notices: What to Send and When to Send It Presented by: Lucy Griffin As if loan notices were not confusing enough before, who is an applicant, a co-applicant, a guarantor, what is the difference and which notices do they get under Reg. B or the FCRA, and when! Now we add new notices required by FACTA and the confusion rises to the power of two. Learn in chronological order who in the transaction gets which notices, why, what they should say, and when. Complication made simple.
	When and How to Collect Monitoring Information Presented by: Jack Holzknecht Collecting Government Monitoring Information isn't as simple as asking the applicant to complete a form. If you have ever had the responsibility to audit the collection of this data, you'll appreciate this webinar. It will answer the questions you have and provide the guidance you and your staff needs to know what to collect, when and why. You'll learn how to complete the information when allowed, if the applicant didn't. You'll hear about the common mistake others have made and how to avoid them to improve your compliance with one requirement that touches so many regulations, such as ECOA, HMDA, CRA fair lending and more.
	Most Common Violations: Lending Presented by: Mary Beth Guard and Andy Zavoina The real benefit of a mistake is when you get to learn from someone else's. Join Mary Beth Guard and Andy Zavoina as they explore the most common violations in lending. They've reviewed the reports from regulatory agencies, discussed issues with examiners and responded to countless posts in the threads, emails and telephone calls on every problem regulation you deal with. If you want a potpourri of lending problems to watch out for, because your examiners are watching for them already, this program is for you.
	Reducing Fair Lending Risk Presented by: Jack Holzknecht Learn the same techniques used by your examiner to identify and mitigate fair lending risk. Being proactive throughout the key stages of a loan will lead to a more effective fair lending program. Designed for compliance officers, audit, marketing and loan administration, this program will teach you how to avoid surprises in the form of costly referrals to Justice.
	RESPA What's HOT Now Presented by: Lucy Griffin RESPA violations are still one of the most commonly cited in exam reports. And what is worse are the more common settlement announcements (i.e. big dollars) generating from HUD where lenders had been referring business and paying incentives improperly. Learn from a nationally recognized source, Lucy Griffin, what the common violations are, how they happen and how to avoid them. Take this opportunity to learn from the mistakes of others so you can improve your compliance program. You'll also hear about the proposed changes to RESPA and how they can affect you. This is your opportunity to be proactive and informed as well as getting the inside information on how to avoid criticism during your next exam.
	RESPA - Frequenly Asked Questions Presented by: Jack Holzknecht When we conduct webinars on RESPA we are always inundated with questions. And we have conducted quite a few programs on various aspects of RESPA over the years. We have "mined" those previous programs to develop a list of frequently asked questions. The questions cover all aspects of the regulation - coverage, exemptions, disclosure rules (content, timing, etc.) and prohibitions.
	Residential Real Estate Loans: Performing a Compliance Audit Presented by: Patricia Cashman Knowing the technical requirements of regulations is not enough. Understanding them, being able to review them and to detect and correct errors is integral in your compliance and risk management programs. Learn how to find the error, the cause for the error and the best way to affect corrective action that cures the problem and reduces potential risks in the future. Auditing residential real estate loans is so much more than completing a checklist. Learn how the overall process will improve the quality of your loans and the confidence in your compliance program.
	Regulation W - Transactions with Affiliates Presented by: Jack Holzknecht Most financial institutions have one or more affiliates and both the number of affiliates and the complexity of the relationships between the affiliates are increasing over time. Regulation W was published in 2003. It implements long standing provisions of Sections 23A and 23B of the Federal Reserve Act that regulate transactions with affiliates. This two-hour program explains the basic requirements of Regulation W.
	Repossessions and Sale of Collateral Presented by: John McGarvey The most substantial change from former Article 9 to Revised Article 9 of the Uniform Commercial Code is in the new Part 6 on default and enforcement. In this two-hour training session, we will explore the primary issues faced by secured lenders in the process of enforcing their remedies on secured transactions and how the changes in Revised Article 9 affect those remedies.
	RESPA - Escrow Rules Presented by: Jack Holzknecht The Real Estate Settlement Procedures Act is a large and complex law. The law and the implementing regulation, Regulation X, contain rules for administering escrow accounts. The escrow rules apply to both required and voluntary escrow accounts. The escrow rules apply to both required and voluntary escrow accounts. The escrow rules are the source of significant confusion and many violations. This two-hour seminar explains how to set-up and administer escrow accounts in compliance with the rules contained in RESPA and Regulation X.
	Right of Setoff Presented by: Mary Beth Guard and Don Pape It's oh-so-tempting. Your customer owes you money and there sits his deposit account or CD just begging to be grabbed. Maybe he's terribly delinquent and you want to stem your loss. Perhaps he's current, but you've found an event of default under the contract and you feel a need to act quickly to ensure the bank gets paid. Or maybe he's been paying as agreed with your debt, but now the IRS is coming after him and you envision a tug-of-war over assets. In each of those situations, and many others, you must know precisely what your rights are (or aren't!) with respect to setoff.
	SCRA Obligations for Financial Institutions Presented by: Mary Beth Guard and Andy Zavoina More citizen soldiers are being called to active duty for longer periods than in recent history. Your side of this equation says you need to know your rights and responsibilities under the Servicemembers Civil Relief Act. This is necessary to comply with the law and mitigate risks. On the forefront is reputational risk. You do not want to be the brunt of a consumer advocate story on the news or in the local paper who is deemed unpatriotic and greedy. This two hour webinar is designed to tell bankers what bankers need to know about the SCRA.
	Truth in Lending - Auditing Open-end Credit Presented by: Jack Holzknecht Home equity lines and overdraft lines are just two of the common open-end credit products many institutions offer today. Your compliance program should address the risks involved in open-end products and the controls. One of these is auditing and monitoring. This webinar will go through initial disclosures and periodic disclosures, program disclosures, credit card solicitations, rescission notices and more. Open-end products are somewhat unique and a special skillset is required to manage the compliance aspects involved. Here is a chance to hone your skills.
	Truth in Lending -- Installment 1 Presented by: David Dickinson Because of its size and complexity, Reg. Z is consistently one of the most commonly violated regulations. Two hours cannot do it justice so we've broken it into three sessions. Generally these are (1) the basics of what loans are covered, what are finance charges, and understanding APRs. (2) Loans, understanding the requirements of HELOCs, ARMs, Refinancings, error correction and the Fed Box content. And (3) understanding material disclosures with a focus on rescission and HOEPA. Attend one, two or all three sessions, or attend what you want now and buy the archived CDs later to fill out your compliance library.
	Truth in Lending -- Installment 2 - HELOC’s, ARM’s, Refinancings Presented by: David Dickinson Reg. Z is a very complex and confusing regulation. In some cases you want to train based function and this three-part series allows that. Each session is independent of the others. Session Two helps you understand the loans themselves. Covering HELOCs, ARMs, Refinancings, error correction and the contents of the Fed Box, which applies to so many loans you do, this session is targeted for those who prepare loan documents, loan administrators, closers, compliance and audit personnel.
	Truth in Lending -- Installment 3 - The Closing: Right of Rescission Presented by: David Dickinson This final segment explores two confusing areas that create many questions, what is the closing, rescission and HOEPA? This final Reg. Z session will look in-depth at the documentation of Reg. Z disclosures.