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	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.
	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."
	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.
	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.
	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.
	Flood Insurance Coverage Issues Presented by: Jack Holzknecht Flood issues have gotten tremendous attention in recent years. 2005 saw more than $1 million in fines imposed and after the government payouts from hurricanes, it will be more intense. There is the possibility of stricter laws, and increased fines. It is absolutely necessary that you understand the flood requirements at the closing table, and during the life of the loan. This webinar and the resource materials you'll walk away with are meant to help you do just that. Mitigate risk, and service your loans, without drowning.
	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.
	Flood Insurance Webinar Part I Presented by: David Dickinson Real estate loans 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. What is really required, when, by whom and how much insurance does the customer have to get? These are just some of the questions the banks who were fined asked, but asked too late. Now you can have your questions answered, and probably some you didn't know you had.
	Advanced Flood Insurance Webinar Part II 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.
	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.
	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.
	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.
	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 - 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.
	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.