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CFPB Director Cordray says that consent orders that accompany the Bureau’s public enforcement actions, “provide detailed guidance for compliance officers across the marketplace about how they should regard similar practices at their own institutions. If the same problems exist in their day-to-day operations, they should look closely at their processes and clean up whatever is not being handled appropriately.” He added that “it would be ‘compliance malpractice’ for executives not to take careful bearings from the contents of these orders about how to comply with the law and treat consumers fairly.”
To ensure that financial institutions avoid "compliance malpractice" this program reviews many of the recent consent orders dealing with compliance-related matters.

This two-hour webinar provides a thorough review of recent enforcement actions taken by various federal agencies. It ensures participants understand:
•The inappropriate actions taken by the institutions in each case
•The lessons to be learned from the actions and
•The steps needed to avoid similar problems.

Participants receive a detailed manual that can serve as a resource

Upon completion of this two-hour program participants should understand the important details in cases involving:

  • Fair Lending
    • Underwriting
    • Pricing
    • Maternity issues
  • Community Reinvestment Act
    • Redlining
  • Unfair Deceptive or Abusive Acts or Practices
    • Deceptive advertising
    • Misleading telemarketing
    • Deposit Reconciliation
    • Deceptive Deposit Account Disclosures
    • Failure to provide benefits under a rewards program
  • Bank Secrecy Act
  • BSA program
  • Overdraft Guidance
    • Opt-In Consent and
  • Electronic Funds Transfer Act

The program is designed for lending and deposit account management and staff, compliance officers, marketing personnel, auditors, legal counsel and others who want to avoid charges of compliance malpractice.


Compliance Gurus

Jack Holzknecht and Kelly Owsley

Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In Jack's 34 years as a trainer over 125,000 bankers (and many examiners) have participated in his live seminars and webinars. Jack's career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he developed loan and deposit form systems and software. He also developed and presented training programs to bankers in 43 states. Jack has been an instructor at compliance schools presented by several state bankers associations. He developed and delivered compliance training for the FDIC and OTS for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association. He is also a "BOL Guru."Kelly M. Owsley, CRCM is Director of Training Services for Compliance Resource, LLC. Kelly's career in banking began in 2000. Since then she has worked for financial institutions ranging in asset size from $250 million to $3 billion. Kelly has worked in numerous areas of the financial services industry including retail branch management, lending, product development and training. In addition, Kelly spent three years in a training and development role with CUNA Mutual Group servicing the largest credit union in the United States. Most recently, she served as the Vice President of Compliance, BSA Officer, and CRA Officer for a community bank in Kentucky where she was responsible for implementing and training all compliance related topics. Kelly holds a Bachelor of Science degree in Accounting from the University of Kentucky and is a Certified Regulatory Compliance Manager.

Course curriculum

  • 1


    • 2017 Regulation By Enforcement

  • 2


    • Materials

    • Slides