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DTSTART;TZID=America/New_York:20261006T140000
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DTSTAMP:20260709T202202Z
CREATED:20260709T202202Z
LAST-MODIFIED:20260709T202202Z
UID:2839-1791295200-1791302400@www.tcaregs.com
SUMMARY:Reg E and Visa
DESCRIPTION:Description:\n\nRegulation E came back into the news in a big way when the CFPB levied a $3.5 million civil money penalty and $12 million in restitution against an institution for incorrectly processing dispute claims. In December 2021 the CFPB issued several FAQs relating to the proper handling of claims with a particular focus on person to person (P2P) payments. The FAQs redefined the financial institution’s responsibility when a consumer’s third-party login credentials are compromised. A proper understanding of which claims we must pay and which we can deny is critical to managing our risk. Compliance with Regulation E places financial risk on an institution when paying customer claims\, but these risks can be significantly amplified when combined with the compliance risks and reputation risks of getting the claims process wrong. Don’t let your institution fall into the trap of shortsightedly denying claims without adequate investigation or misapplying conflicting Visa and Regulation E requirements. \nKey takeaways: \n\nCompare and contrast Reg E requirements and Visa Rules\nUnderstand Reg E Liability vs. Visa Zero Liability\nApply Visa rules to business debit cards\nUnderstand the use of Visa’s chargeback process in a Reg E investigation\nLearn from Reg E enforcement actions and penalties\nIdentify investigation strategies to aid in loss mitigation\n\n  \n\n\n\n\n\nPresenters:\n\nBrian Crow\, CAMS\n\n \nBrian Crow is managing partner and co-president for TCA Compliance and is a nationally recognized BSA/AML expert with a strong bank compliance management background and a welcome ability to provide focused educational support to TCA client banks. Crow most recently was BSA Administrator for a suburban Chicago bank\, where his responsibilities included the bank’s annual assessment and audit documentation. Earlier\, as Operations Officer at the same bank\, Crow monitored AML activity and helped install automated AML software that allowed the bank to transition from paper to electronic CTRs. His activities were responsible for reducing debit card fraud by 95 percent at the bank. Mr. Crow has been\, and continues to be\, an education consultant for the Glia Group BOL Learning Connect program. It was in this role that Crow was recognized as a Bankers Online Guru in 2011. Like many of us\, Mr. Crow began his banking career as a teller\, working his way up to branch management responsibilities. He earned a B.A. degree from Concordia University\, River Forest Illinois.
URL:https://www.tcaregs.com/event/reg-e-and-visa/
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://www.tcaregs.com/wp-content/uploads/my-compliance-resource.png
END:VEVENT
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DTSTART;TZID=America/New_York:20261014T140000
DTEND;TZID=America/New_York:20261014T160000
DTSTAMP:20260709T202352Z
CREATED:20260709T202352Z
LAST-MODIFIED:20260709T202352Z
UID:2841-1791986400-1791993600@www.tcaregs.com
SUMMARY:Reg E and Mastercard
DESCRIPTION:Description:\n\nRegulation E came back into the news in a big way when the CFPB levied a $3.5 million civil money penalty and $12 million in restitution against an institution for incorrectly processing dispute claims. In December 2021 the CFPB issued several FAQs relating to the proper handling of claims with a particular focus on person to person (P2P) payments. The FAQs redefined the financial institution’s responsibility when a consumer’s third-party login credentials are compromised. A proper understanding of which claims we must pay and which we can deny is critical to managing our risk. Compliance with Regulation E places financial risk on an institution when paying customer claims\, but these risks can be significantly amplified when combined with the compliance risks and reputation risks of getting the claims process wrong. Don’t let your institution fall into the trap of shortsightedly denying claims without adequate investigation or misapplying conflicting Mastercard and Regulation E requirements. \nKey takeaways: \n\nCompare and contrast Reg E requirements and Mastercard Rules\nUnderstand Reg E Liability vs. Mastercard Zero Liability\nApply Mastercard rules to business debit cards\nUnderstand the use of Mastercard’s chargeback process in a Reg E investigation\nLearn from Reg E enforcement actions and penalties\nIdentify investigation strategies to aid in loss mitigation\n\n\n\n\n\n\nPresenters:\n\nBrian Crow\, CAMS\n\n \nBrian Crow is managing partner and co-president for TCA Compliance and is a nationally recognized BSA/AML expert with a strong bank compliance management background and a welcome ability to provide focused educational support to TCA client banks. Crow most recently was BSA Administrator for a suburban Chicago bank\, where his responsibilities included the bank’s annual assessment and audit documentation. Earlier\, as Operations Officer at the same bank\, Crow monitored AML activity and helped install automated AML software that allowed the bank to transition from paper to electronic CTRs. His activities were responsible for reducing debit card fraud by 95 percent at the bank. Mr. Crow has been\, and continues to be\, an education consultant for the Glia Group BOL Learning Connect program. It was in this role that Crow was recognized as a Bankers Online Guru in 2011. Like many of us\, Mr. Crow began his banking career as a teller\, working his way up to branch management responsibilities. He earned a B.A. degree from Concordia University\, River Forest Illinois.
URL:https://www.tcaregs.com/event/reg-e-and-mastercard/
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://www.tcaregs.com/wp-content/uploads/my-compliance-resource.png
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20261016T093000
DTEND;TZID=America/New_York:20261016T140000
DTSTAMP:20260709T202931Z
CREATED:20260709T202931Z
LAST-MODIFIED:20260709T202931Z
UID:2843-1792143000-1792159200@www.tcaregs.com
SUMMARY:Compliance Peer Group
DESCRIPTION:The Compliance Peer Groups provide an opportunity for bankers to examine pressing issues constructively\, exchange ideas\, and share solutions among colleagues in a comfortable and professional environment. We will provide timely updates on various topics for you to take back to your bank. \nProgram Information \n\n\n\nSession Dates\nLocation\nFacilitator\n\n\nJuly 10\, 2026\nIBA Center for Banking Excellence\, Springfield or Live Streamed\nKathy Enbom\, Wipfli Advisory LLC\n\n\nOctober 16\, 2026\nUMB Bank\, St. Louis\, MO or Live Streamed\nBrian Crow\, TCA Compliance\n\n\n\nAgenda \n9:30 a.m.           Registration & Networking\n10:00 a.m.         Welcome and Introductions\n10:15 a.m.         Lending\n11:15 a.m.         Deposits & Other\n12:15 p.m.         Lunch\n1:00 p.m.           CRA\n2:00 p.m.           BSA \nLearning Objectives\nAfter this session\, participants should be able to: \n\nComprehend the impact of changes in regulations.\nIdentify reactive and proactive steps to deal with the changes.\nDescribe issues regulatory examiners are criticizing at peer institutions and implement practical\, cost-effective solutions.\n\nBenefits \n\nNetworking: Participants can network with fellow bankers\, fostering professional connections and potential collaborations.\nRegulatory Updates: Stay informed about the latest changes in lending\, deposits\, CRA (Community Reinvestment Act)\, and BSA (Bank Secrecy Act) regulations\, ensuring your bank remains compliant with current requirements.\nBest Practices Sharing: Exchange best practices and innovative solutions with peers to effectively address compliance challenges in areas such as lending\, deposits\, CRA\, and BSA.\nProactive Compliance Strategies: Learn proactive steps to anticipate and adapt to regulatory changes\, helping your bank maintain compliance while minimizing disruptions to operations.\nPractical Implementation: Acquire practical\, cost-effective solutions for implementing compliance measures\, ensuring your bank meets regulatory expectations efficiently and effectively.\nSkill Enhancement: Develop your understanding of compliance regulations and enhance your ability to interpret and implement regulatory requirements in areas such as lending\, deposits\, CRA\, and BSA.\nAnd much more…\n\nTechnology Requirements – Virtual Attendees Only \n\nHave Zoom virtual meeting access\nInteract with facilitators and all participants in a live\, virtual environment\nActively participate in live and chat discussions\nHave complete\, working computer microphone\, camera\, and speakers or phone access\nKeep cameras on for the duration of the program\n\nAudience Compliance Officers\, Risk Managers\, and Auditors \nContinuing Education\nABA Professional Certifications 5 CRCM\, CERP\, CAFP Credit\nCPE for Illinois Public Accountants 4.50 hours \nIndividual Sessions Per Person Fee\nIBA Member $250\nNonmember $450 \n  \n  \nHybrid Event  Map & Directions
URL:https://www.tcaregs.com/event/compliance-peer-group-2/
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-assocation.png
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