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Course description

ICB Credit: 2.5 CRCM


Do you “publish” compliance violations for the world (and your regulator) to see? That can certainly happen on your bank’s website if you are not practicing strong change management procedures and have knowledgeable people looking for “dotted i’s and crossed t’s.”


Why Attend – Do these questions cause you concern?


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


Yes, even the simplest of webpages 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 comply with the rules.


Multiple regulatory requirements influence what you can and should have on your webpages. There are rules for loans, deposits, fair lending, and privacy, along with regulatory guidance specific to your presence on the Web. 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, 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
  • ADA basics to help you avoid adverse press
  • the 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.

Instructor(s)

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 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

    • Is Your Website Ready for an Audit

  • 2

    Materials

    • Checklist

    • Slides

    • Questions and Answers

    • Policy

    • Website Compliance Review