SOCIAL DISTANCE PRICING — We know it's not always possible to train in a group setting right now, so we're offering additional user logins for $25 each. If you need more than 5, contact us to purchase.

Have you completed this webinar? Please tell us what you think.

Course description


Every month the federal financial institution regulatory agencies publish lists of enforcement actions taken against financial institutions. Enforcement actions can include civil monetary penalties, consent decrees and cease and desist orders, to name a few.


Every enforcement action tells a story of a failure to comply and the actions required to remedy the situation. Every enforcement action is a lesson to be learned by other financial institutions. The actions required to cure the problems in one institutions are the actions required in other institutions to avoid the same problem.


Rarely are the identified problems unique. The stories are repeated month in and month out. Don't be the next institution to fall into the same trap. Become aware of the problem and then look around to determine if the same problem exists in your institution. If the problem is present, then self-detection and prompt corrective action generally results in less severe penalties. If the problem does not exist, then take a few simple steps (policies, procedures and training) to assure the problem doesn't occur in your institution.



This two-hour webinar is designed to make attendees aware of recent enforcement actions, the actions required in response to the action and the penalties or costs imposed with the hope that armed with such knowledge attendees can avoid similar problems.  Participants receive a detailed manual that serves as a handbook long after the program is completed.


Recent enforcement actions include, but are not limited to:

  • Flood penalties (multiple cases every month);
  • Truth in Lending reimbursement (makes regular cases on the list);
  • Discrimination against Native American borrowers (It's back. This is so 25 years ago.);
  • Collection practices in violation of the Fair Debt Collection Practices Act (FDCPA) and the UDAAP (Just when you thought you were safe. FDCPA does not apply to a financial institution collecting its own debt, but UDAAP does apply to an institution collecting its own debt);
  • Loans to insiders in violation of the provisions of Regulation O (Basic procedures help eliminate most Regulation O violations, but never underestimate the deceptive nature of certain insiders.);
  • Redlining cases (These cases have risen rapidly in recent years. What is the current status?);
  • UDAP issues related to interest-rate-lock process (UDAP seems to sneak in everywhere.);
  • UDAP issues related to forced-placed insurance (And here it is again); and
  • The list will continue to grow between now and the program date.



The program is designed for Loan Department management, Compliance Officers, Loan Officers, Loan Processors, Auditors, and others with responsibilities related to the origination and servicing of loans. 


Jack Holzknecht and Robin Cooper

Robin Cooper, CRCM is the Director of Compliance for Compliance Resource, LLC, a source of compliance assistance for financial institutions. Robin’s career in banking began in 2004. Since that time she has worked for community and regional financial institutions ranging from $100 million to $1 billion in asset size regulated by the Office of the Comptroller of the Currency (OCC) and Federal Reserve Board (FRB). Robin has worked in numerous compliance and banking roles, including Compliance Auditor, Internal Auditor, BSA Officer, and Compliance Officer. In 2010 Robin established and led the, now longstanding, Central Kentucky compliance roundtable for compliance officers in central and southern Kentucky to convene and discuss emerging compliance issues. Robin has a bachelor’s degree in Government from Centre College, attended the American Bankers Association National Compliance School, and is a Certified Regulatory Compliance Manager. Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 44 years. In 39 years as a trainer over 147,000 bankers (and many examiners) have participated in Jack’s 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 a number of state bankers associations. As a contractor he developed and delivered compliance training for the FDIC for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association.

Course curriculum

  • 1


    • Lessons Learned - Recent Lending Compliance Enforcement Actions

  • 2


    • Materials

    • Slides

    • Questions and Answers