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Course description

On May 24, 2018, a new law was signed that will roll back some of the Dodd-Frank requirements for some banks, but not all. There are some new things in this law intended to make mortgage credit more available from community banks, There are some old things that the new law is breathing new life into. There is even a provision that keeps a protection for servicemembers from changing, making it permanent. But throughout the law, there is change. 

This all means there are new requirements mixed into some deregulation. What areas are impacted? There’s mortgage credit; access to credit; protections for veterans, consumers and homeowners; rules for holding companies; capital access; and student borrowers. 

When are the changes effective? Some are effective now, some will be in 30 days, 60 days, after a regulation is finalized and so some dates are just not known. A key takeaway is that just because a law is now changed, It doesn’t mean the bank should stop its current compliance procedures. Not right away, anyhow. 

We will discuss what we do know, what we don’t know and some strategies for moving forward based on the changes. HMDA has changed for many small reporters. If your bank qualifies, does this mean you rollback HMDA to 2017 rules? No! It isn’t that easy. You need guidance from the Bureau first and then you need to decide on your implementation plan. We can’t give you final details on these and other changes, because the regulators need to act first. 

This webinar is intended to make you aware of what will change with an emphasis on regulatory compliance matters, and when and how to manage your compliance process going forward. Making changes in the dark can be risky; we will shed light so that you do not get lost on this journey. We’ll cover all of the portions of the EGRRCPA that affect banks so you can start your change management plan. 


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 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 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,, or visiting

Course curriculum

  • 1


    • DFA Rollback—New, Old and Changed Rules

  • 2


    • Materials

    • Slides

    • Webinar Q & A Document