Posts tagged with "udaap"

How to Stay out of UDAAP Jail

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Every bank or credit union is trying to differentiate itself.  Every institution wants products and services to compete.  Every financial services provider wants to make a profit but is faced with interest margin squeeze.  Every bank or credit union is seeking new fee sources or ways to increase existing fees.

Federal regulators, at congressional urging, have curtailed some fees.  And the new measurement for services and products is UDAAP. 

This banking webinar will discuss what to consider when developing new products or services, increasing fees, or merely evaluated existing products or services in the UDAAP world.  We will include real life examples from regulatory actions and play a UDAAP/not UDAAP quiz during the session.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally.

Dates of Event

Wednesday, April 3, 2019

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Melissa Blaser
Senior Manager, Wipfli CPAs and Consultants

About the Speaker

Melissa Blaser leads the regulatory compliance and Bank Secrecy Act practice for the firm. She assists financial institutions in navigating the complex requirements included within consumer federal bank regulations. Melissa has 25 years of experience in regulatory compliance, internal audit, and public accounting for the financial services industry within a Bank environment and within a public accounting/consulting firm.

Certifications

  • Certified Regulatory Compliance Manager
  • Certified Anti-Money Laundering Specialist
  • Certified Financial Services Auditor
  • Certified Fiduciary and Investment Risk Specialist
  • Certified Public Accountant

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Consumer Lending Compliance 101, 201, 301: Laws, Regulations and Processing Requirements (3 Part Webinar Series)

Register Now

As many banks can attest, staying abreast of ever-changing and increasingly complex regulatory requirements, expectations, and industry practices is a daunting challenge. Given the increased focus on consumer protections, it is even more critical for banks to be in compliance with consumer lending regulations.  This 3–part loan webinar series will help financial institutions address these challenges by explaining the range of rules, regulations and regulatory standards that apply to non-mortgage consumer lending transactions.

Sessions 101 and 201 provide an overview of key regulations and requirements. Session 301 explains the application of these regulatory requirements to the day-to-day operations of your consumer lending program.

Sign up for 1, 2 or all 3 Parts!

Consumer Loan Regs 101

Overview of Consumer Lending Laws and Regulations

Tuesday, February 19, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Regulation B: ECOA (including adverse actions, withdrawals, counteroffers)
  • Regulation Z: TILA
  • Regulation P: GLBA

Consumer Loan Regs 201

Advanced Consumer Lending Laws and Regulations

Wednesday, February 20, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Lending to service-members (SCRA, MLA) (including modifications and waiver of benefits)
  • FCRA (including pre-screening rules)
  • FDCPA
  • UDAAP

Consumer Loan Regs 301

Application of Regulatory Requirements on Process

Thursday, February 21, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Building on the fundamentals reviewed in 101 and 201, this training session will explain the compliance requirements at various stages in the consumer loan process, from marketing to collections, and provide best strategies to ensure compliance.

  • Identifying and mitigating compliance risks associated with consumer lending
  • Component policies and procedures that should be included with your CMS program
  • Post-screening firm offers of credit
  • Affiliate marketing rules
  • Avoiding UDAAP claims and violations

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker(s)

Dena Somers

Dena Somers, Esq
Founder
finregPARTNERS

About the Speaker

Dena Somers is a highly regarded bank consultant and compliance attorney. She has provided regulatory compliance and risk management consulting services to financial institutions and companies in highly regulated industries nationwide for more than 20 years. Her areas of expertise include consumer and mortgage lending compliance, Fintech and specialty finance, regulatory compliance training, business strategy and best practice advisement, and corporate governance.

Throughout her career, Ms. Somers has advised hundreds of banking and financial institutions— ranging from local community banks to $50 billion financial holding companies— to achieve operational efficiency while ensuring regulatory compliance. Previously, Ms. Somers served as General Counsel to a national mortgage servicing company, Fintech lender, national money service business, and has represented financial institutions in a broad array of complex litigation matters for more than 15 years. Additionally, Ms. Somers is a published author for Lexis Nexis in the areas of Bank Teller training, loan policies, and loan documentation training.

Register Now Pay by Check

Consumer Lending Compliance 101, 201, 301: Laws, Regulations and Processing Requirements (3 Part Webinar Series)

Register Now

As many banks can attest, staying abreast of ever-changing and increasingly complex regulatory requirements, expectations, and industry practices is a daunting challenge. Given the increased focus on consumer protections, it is even more critical for banks to be in compliance with consumer lending regulations.  This 3–part loan webinar series will help financial institutions address these challenges by explaining the range of rules, regulations and regulatory standards that apply to non-mortgage consumer lending transactions.

Sessions 101 and 201 provide an overview of key regulations and requirements. Session 301 explains the application of these regulatory requirements to the day-to-day operations of your consumer lending program.

Sign up for 1, 2 or all 3 Parts!

Consumer Loan Regs 101

Overview of Consumer Lending Laws and Regulations

Tuesday, February 19, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Regulation B: ECOA (including adverse actions, withdrawals, counteroffers)
  • Regulation Z: TILA
  • Regulation P: GLBA

Consumer Loan Regs 201

Advanced Consumer Lending Laws and Regulations

Wednesday, February 20, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Lending to service-members (SCRA, MLA) (including modifications and waiver of benefits)
  • FCRA (including pre-screening rules)
  • FDCPA
  • UDAAP

Consumer Loan Regs 301

Application of Regulatory Requirements on Process

Thursday, February 21, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Building on the fundamentals reviewed in 101 and 201, this training session will explain the compliance requirements at various stages in the consumer loan process, from marketing to collections, and provide best strategies to ensure compliance.

  • Identifying and mitigating compliance risks associated with consumer lending
  • Component policies and procedures that should be included with your CMS program
  • Post-screening firm offers of credit
  • Affiliate marketing rules
  • Avoiding UDAAP claims and violations

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker(s)

Dena Somers

Dena Somers, Esq
Founder
finregPARTNERS

About the Speaker

Dena Somers is a highly regarded bank consultant and compliance attorney. She has provided regulatory compliance and risk management consulting services to financial institutions and companies in highly regulated industries nationwide for more than 20 years. Her areas of expertise include consumer and mortgage lending compliance, Fintech and specialty finance, regulatory compliance training, business strategy and best practice advisement, and corporate governance.

Throughout her career, Ms. Somers has advised hundreds of banking and financial institutions— ranging from local community banks to $50 billion financial holding companies— to achieve operational efficiency while ensuring regulatory compliance. Previously, Ms. Somers served as General Counsel to a national mortgage servicing company, Fintech lender, national money service business, and has represented financial institutions in a broad array of complex litigation matters for more than 15 years. Additionally, Ms. Somers is a published author for Lexis Nexis in the areas of Bank Teller training, loan policies, and loan documentation training.

Register Now Pay by Check

Consumer Lending Compliance 101, 201, 301: Laws, Regulations and Processing Requirements (3 Part Webinar Series)

Register Now

As many banks can attest, staying abreast of ever-changing and increasingly complex regulatory requirements, expectations, and industry practices is a daunting challenge. Given the increased focus on consumer protections, it is even more critical for banks to be in compliance with consumer lending regulations.  This 3–part loan webinar series will help financial institutions address these challenges by explaining the range of rules, regulations and regulatory standards that apply to non-mortgage consumer lending transactions.

Sessions 101 and 201 provide an overview of key regulations and requirements. Session 301 explains the application of these regulatory requirements to the day-to-day operations of your consumer lending program.

Sign up for 1, 2 or all 3 Parts!

Consumer Loan Regs 101

Overview of Consumer Lending Laws and Regulations

Tuesday, February 19, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Regulation B: ECOA (including adverse actions, withdrawals, counteroffers)
  • Regulation Z: TILA
  • Regulation P: GLBA

Consumer Loan Regs 201

Advanced Consumer Lending Laws and Regulations

Wednesday, February 20, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Lending to service-members (SCRA, MLA) (including modifications and waiver of benefits)
  • FCRA (including pre-screening rules)
  • FDCPA
  • UDAAP

Consumer Loan Regs 301

Application of Regulatory Requirements on Process

Thursday, February 21, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Building on the fundamentals reviewed in 101 and 201, this training session will explain the compliance requirements at various stages in the consumer loan process, from marketing to collections, and provide best strategies to ensure compliance.

  • Identifying and mitigating compliance risks associated with consumer lending
  • Component policies and procedures that should be included with your CMS program
  • Post-screening firm offers of credit
  • Affiliate marketing rules
  • Avoiding UDAAP claims and violations

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker(s)

Dena Somers

Dena Somers, Esq
Founder
finregPARTNERS

About the Speaker

Dena Somers is a highly regarded bank consultant and compliance attorney. She has provided regulatory compliance and risk management consulting services to financial institutions and companies in highly regulated industries nationwide for more than 20 years. Her areas of expertise include consumer and mortgage lending compliance, Fintech and specialty finance, regulatory compliance training, business strategy and best practice advisement, and corporate governance.

Throughout her career, Ms. Somers has advised hundreds of banking and financial institutions— ranging from local community banks to $50 billion financial holding companies— to achieve operational efficiency while ensuring regulatory compliance. Previously, Ms. Somers served as General Counsel to a national mortgage servicing company, Fintech lender, national money service business, and has represented financial institutions in a broad array of complex litigation matters for more than 15 years. Additionally, Ms. Somers is a published author for Lexis Nexis in the areas of Bank Teller training, loan policies, and loan documentation training.

Register Now Pay by Check

Emerging UDAAP Risks: Recent Enforcement Actions and State Litigation Trends

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Legal Banking Regulations

Political change often means policy change. Changes at the CFPB and the offices of states’ Attorneys Generals is changing UDAAP enforcement and the methods to investigate potential violations of consumer protection laws.  Learn the acts and practices that examiners are determining to be be unfair, deceptive, or abusive and how to protect your institution from UDAAP violations.

Attendees to this exciting banking webinar will get to:

  • Summary of UDAAP regulations and recent state consumer protection initiatives
  • Insights into the current UDAAP/UDAP enforcement regime at the federal and state levels.
  • Case studies on UDAAP litigation concerning overdraft practices
  • The latest investigation trends and get practical guidance on managing your institution’s UDAAP risks.

BONUS Take-away: This compliance webinar will include a sample UDAAP risk assessment for financial institutions of all different sizes.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, December 12, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

1.0 CPE Credits

Your Speaker(s)

Dena Somers

Dena Somers, Esq
General Counsel/Chief Compliance & BSA Officer
finregPARTNERS

About the Speaker

Dena Somers is a highly regarded bank consultant and compliance attorney. She has provided regulatory compliance and risk management consulting services to financial institutions and companies in highly regulated industries nationwide for more than 20 years. Her areas of expertise include consumer and mortgage lending compliance, Fintech and specialty finance, regulatory compliance training, business strategy and best practice advisement, and corporate governance.

Throughout her career, Ms. Somers has advised hundreds of banking and financial institutions— ranging from local community banks to $50 billion financial holding companies— to achieve operational efficiency while ensuring regulatory compliance. Previously, Ms. Somers served as General Counsel to a national mortgage servicing company, Fintech lender, national money service business, and has represented financial institutions in a broad array of complex litigation matters for more than 15 years. Additionally, Ms. Somers is a published author for Lexis Nexis in the areas of Bank Teller training, loan policies, and loan documentation training.

Register Now Pay by Check

The More That Things Change, The More That UDAAP Continues to Be an Issue

Register Now

Every bank and credit union is trying to differentiate itself.  Every institution wants products and services that compete.  Every executive wants to make a profit but is faced with interest margin squeeze.  Every banker is seeking new fee sources or ways to increase existing fees; however, regulators, at congressional urging, have curtailed some fees.  And the new measurement for the bank services and products is UDAAP.

This Lending Webinar will discuss what to consider when developing new products or services, increasing fees, or merely evaluating existing products or services in the UDAAP world.  We will include real life examples from regulatory actions and play a “UDAAP/not UDAAP” quiz during the session.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Monday, July 23, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker

John Moniak CRCM
Sr Manager
Wipfli CPAs and Consultants

About the Speaker

With over 20 years of experience, John Moniak’s extensive financial institution background gives him firsthand knowledge of day-to-day operations and insight into what examiners expect from a well-managed, risk-based compliance program.

For the past ten years, his focus has been on assisting clients with developing, implementing, and maintaining comprehensive risk-based compliance management programs.  In addition to assisting clients navigate the ever-changing and complex regulatory compliance minefield, John has worked with examiners and clients to resolve issues discovered during the examination process.

John’s diverse financial institution experience and his dedication to keeping informed of industry developments give him the ability to analyze and answer the most complex compliance questions and be proactive in communicating potential changes to or the impact on compliance programs.

Register Now Pay by Check

The More That Things Change, The More That UDAAP Continues to Be an Issue

Register Now

Every bank and credit union is trying to differentiate itself.  Every institution wants products and services that compete.  Every executive wants to make a profit but is faced with interest margin squeeze.  Every banker is seeking new fee sources or ways to increase existing fees; however, regulators, at congressional urging, have curtailed some fees.  And the new measurement for the bank services and products is UDAAP.

This Lending Webinar will discuss what to consider when developing new products or services, increasing fees, or merely evaluating existing products or services in the UDAAP world.  We will include real life examples from regulatory actions and play a “UDAAP/not UDAAP” quiz during the session.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Monday, February 26, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

John Moniak CRCM

Sr Manager, Wipfli CPAs and Consultants

Register Now Pay by Check