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Course description

It’s a fact when you work in a bank, you wear many hats. If one of yours includes advertising, that is designing, reviewing or just explaining an advertisement to management or an examiner, this webinar is for you. We will go beyond the typical “advertisement” and talk also about some of those “minor” things that can bite you like FDIC signage and lobby disclosures too. There are many regulations with requirements you need to be aware of. If you are responsible, be informed.

We will focus on complying with the advertising requirements in consumer protection regulations.  We will address how advertisements can cross the line from selling a product or service to deceiving them and finding the bank in UDAAP negotiations.  We will examine what you can say, what you should not say, when to say it, how, and more. We will look at real-life examples of advertising errors both from print media and social networking.

The webinar will also focus on recognizing key compliance elements and compliance controls to use to safeguard the bank, yet still deliver your intended marketing message.  The webinar will help keep the rules straight and will provide useful checklists and other compliance tools to make your job easier, whether you're a compliance officer, an auditor, or a designer of ads in a marketing department.

Some items we’ll discuss include:

  • What is an advertisement and why does it matter
  • Reg Z requirements
  • What are triggering terms
  • Use of the term APR
  • HELOCs
  • Open-end credit
  • Fair Housing
  • Deposit insurance
  • Official signage
  • When to use the advertising statement
  • Exceptions
  • Reg DD and general deposit ads
  • When “free” is “free”
  • More triggering terms
  • Lobby disclosures
  • And more…

WHO SHOULD ATTEND: Anyone involved with producing, reviewing and auditing all types of  advertisements in any medium would benefit from this program, from marketing staff to compliance.


Andy Zavoina

Mr. Andy Zavoina, CRCM, is an Executive Vice President with the Glia Group, Inc., best known for its involvement with He joined Glia and BOL in 2003. Mr. Zavoina has been in finance and banking for over 42 years. Over 20 years were with a two-bank holding company that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He has done loan workouts, has been a consumer, commercial and real estate lender and managed those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks. Mr. Zavoina is a recipient of the American Bankers Association’s Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He is a past Chairman of the ABA’s Compliance Executive Committee, the Editorial Advisory Board for the ABA Compliance Magazine and served as a member of the ABA’s Compliance School Board. He is a BankersOnline Guru. He also served on the Texas Bankers Association's Compliance Committee. He is a graduate of the ABA National Commercial Lending School, National Compliance and National Graduate Compliance School and is a Certified Regulatory Compliance Manager with the Institute of Certified Bankers. He has written articles and lectured on compliance, the use of the internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations across the U.S. and teaches basic compliance and compliance management. You can reach Andy on the Internet by using his e-mail address, [email protected], or visiting

Course curriculum

  • 1


    • Advertising - Dun Right

  • 2


    • Attendance Sheet

    • Materials

    • Slides

    • Questions and Answers