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Course description

One court case held that disclosures on a website were not effective because the hyperlink was colored, but not underlined, bolded, in caps or otherwise conspicuous. A video that played took away attention from the link, and there was a pre-checked box that was being agreed to. These are the unknown hazards we deal with today. Guidance isn’t from regulators, but from courts and it could impact your bottom line. 

Do you “publish” compliance violations for the world to see? That can certainly happen if you have a website or use social media, and what bank today doesn’t? If you weren’t aware, “the world” includes your examiners at all state and federal levels, and your bank’s work is always available for review and critique. 

Why Attend – Do these questions cause you concern?

  • Are you breaking the laws or regs with your website?
  • How many times have violations misled consumers?  
  • Could, what is on your web page be Unfair or Deceptive?
  • Are there Fair Lending problems that could impact your CRA rating?  
  • Might you be violating children’s protection laws by collecting information?
  • If you offer loan applications on our site, is there a problem with ARMs? 


Yes, even the simplest of web pages can violate the law, and page counters can tell your regulator how many times a violation has been seen.  Just because you saw it on a big bank’s site doesn’t mean it is OK for you to do. You must understand the risks and the rules.

Multiple regulatory requirements influence what you can and should have on your web pages and other online advertising for loans, deposits, fair lending, privacy and regulatory guidance. The rules are not “in addition to,” so much as they must be interpreted and applied to this medium. Some guidance items are unique, and we’ll discuss them, too.

What you will learn - join Andy Zavoina, CRCM, for a two-hour review of:

  • what should be audited on your website
  • how to audit effectively, and how often
  • common website violations
  • the basics of electronic disclosures on your site
  • what triggers E-SIGN and UETA requirements
  • what process you should use to implement website changes


Additional benefit - Your program materials will include workpapers to complete a thorough audit of your website.  The program includes practical examples of what to look for to avoid violations and manage change. The bank’s compliance officer and auditor should be the first to know if there is a problem on your site, not the last. Effective auditing and maintenance procedures are the key.

Who Should Attend?

  • Compliance and auditing professionals
  • Webmasters
  • Marketing personnel
  • Operations, lending and any other personnel who help with website content, change requests and maintenance.




Andy Zavoina

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 over 39 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


    • Access Webinar

  • 2


    • Slides

    • FRB Checklist

    • Webaudit Checklist

    • Policy Procedures

    • Website Compliance Review

    • Questions and Answers