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Course description

ICB Credit: 2.5 CRCM

While “you don’t know what you don’t know” in terms of recent lending compliance developments, you will still be held responsible for it. This is why a review of changes to the loan rules and regs is important. You must confirm what you do know, and find out what you missed.

Compliance Officers are dealing with the aftermath of TRID. In fact, many are still dealing with the math – what costs go where and what reimbursements have to be made and what if it was all the title company’s fault? There is a lot to address, plus 2016 hasn’t been a sleeper for new and revised requirements. We are digesting new HMDA rules and these are a major game changer, the Military Lending Act changes were substantive and the flood rules are always a major problem and they are changing too. And these are just three major examples that are enough to keep you busy all year. But wait, there’s more.

Many banks suffered regulatory penalties. There are valuable lessons to be learned from another bank’s mistakes and it may be your chance to tweak policies and procedures to avoid penalties under UDAAP, flood and various other penalties we can all learn from.

So what’s new, what’s different, and what do you need to focus on in 2017? This recap will help you answer these questions.


Here are a few of the things we'll cover in this fast-paced two-hour review:


  • TRID updates
    • Prroposed amendments
    • PClarifications
  • Private flood insurance
  • HMDA rule changes
  • Military Lending Act rule revisionsSCRA enforcement actions - lessons learned
  • URLA (Did you know there was a new 1003?)
  • Fair lending
  • Debt collections
    • Who to call and when
    • Repossession problems, military and civilian
  • Telephone Consumer Protection Act
  • Regulatory manual updates you can use in your compliance management program
  • Legal cases of interest
  • Regulatory penalties we can all learn from
  • And much more


Instructor(s)

Andy Zavonia and John Burnett

John Burnett is a 1979 alumnus of the ABA National Compliance School, and served on its faculty for several years. He graduated with honors with the Class of 1990 from ABA's Stonier Graduate School of Banking, and is also a graduate of the BAIs and the Massachusetts Banker Associations Schools of Banking. John began his banking career in high school when he started as a teller at a $15 million bank that didn't have account numbers for its checking accounts (he says they actually filed by signature!) He joined Cape Cod Bank and Trust Company in 1971 and assumed the position of Compliance Officer in 1976. He also served as corporate secretary and secretary of CCBT's Board of Directors, as well as Clerk of the bank's holding company. John joined Glia Group, Inc. and the BankersOnline.com team in June, 2004. He is a frequent presenter of BOL Learning Connect webinars, and at BOL Conferences events. He was a member of the Massachusetts Bankers Association Legal and Regulatory Compliance Committee, and a former member of the American Bankers Association Compliance Executive Committee and NCS/NGCS Advisory Board. He served on ABA's Truth in Savings Task Force as Regulation DD was being written, and has served on several ABA and Massachusetts Bankers seminar panels. Mr. Andy Zavoina, CRCM, is an Executive Vice President with the Glia Group, Inc., best known for its involvement with BankersOnline.com. He joined Glia and BOL in 2003. Mr. Zavoina has been in finance and banking for 35 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, andyz@bankersonline.com, or visiting http://www.bankersonline.com.

Course curriculum

  • 1

    Video

    • Annual LENDING Compliance Recap

  • 2

    Materials

    • Materials

    • Slides

    • Questions and Answers