BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//TCA - ECPv6.15.18//NONSGML v1.0//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:TCA
X-ORIGINAL-URL:https://www.tcaregs.com
X-WR-CALDESC:Events for TCA
REFRESH-INTERVAL;VALUE=DURATION:PT1H
X-Robots-Tag:noindex
X-PUBLISHED-TTL:PT1H
BEGIN:VTIMEZONE
TZID:America/New_York
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20240310T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20241103T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20250309T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20251102T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20260308T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20261101T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20270314T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20271107T060000
END:STANDARD
END:VTIMEZONE
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250708T090000
DTEND;TZID=America/New_York:20250708T120000
DTSTAMP:20260406T103122
CREATED:20250610T124921Z
LAST-MODIFIED:20250610T125111Z
UID:2405-1751965200-1751976000@www.tcaregs.com
SUMMARY:TRID Disclosures for Construction Lending
DESCRIPTION:TRID Disclosures for Construction Lending \nPresented by Monique Reyna\, TCA Compliance \nLive Streamed ~ July 8\, 2025\, 9:00 a.m. to Noon CT \n  \nWith the advent of TRID\, little guidance was given on exactly how Construction Loans were to be disclosed. Subsequent FAQs and regulator feedback have been received over the years providing clarifications to these complex disclosures. This program covers the Loan Estimate and Closing Disclosure requirements for both Construction Only and Construction/Permanent Loans and provides a detailed overview of the requirements for accurately completing Loan Estimates and Closing Disclosures when disclosing various types of construction and construction/permanent loan products. \n\nOptions available when Disclosing Construction/Permanent Loans\nUtilization of the Standard or Alternative LE/CD\nDetails regarding Disclosure requirements for Loan Term\, Purpose\, Product Type\, Sales Price/Appraised Value\nCompletion of Loan Terms Table\nCompletion of the AP Table and AIR Table\nProper disclosure of Adjustable Rate Construction/Permanent Loans\nReview and Validation of the Disclosure Data\nCommon Compliance Pitfalls on Construction Loan Disclosures
URL:https://www.tcaregs.com/event/trid-disclosures-for-construction-lending/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250721T090000
DTEND;TZID=America/New_York:20250721T120000
DTSTAMP:20260406T103122
CREATED:20250610T125045Z
LAST-MODIFIED:20250610T125045Z
UID:2406-1753088400-1753099200@www.tcaregs.com
SUMMARY:HMDA Bootcamp
DESCRIPTION:HMDA Bootcamp \nPresented by Michelle Strickland and Monique Reyna\, TCA Compliance \nLive Streamed ~ July 21\, 2025\, 9:00 a.m. to Noon CT \n  \nA commercial loan secured by an eight-unit residential apartment building is being originated for the purpose of reimbursing the borrower for the purchase and renovation of the apartment building. Is this loan HMDA reportable? \n  \nJoin the HMDA Boot Camp for the answer to this question\, and many other HMDA questions. Whether you are reporting all HMDA fields or limited fields under the exemption\, there is a lot that goes into preparing the HMDA LAR. We will review: \n\nDetermining whether a loan is HMDA reportable\nRequirements and Definitions for each Data Field\nDevelopment of sound HMDA Procedures\nTiming and Filing Requirements\nRefiling when required.\n\nThe HMDA Boot Camp is an in-depth program reviewing all requirements of Regulation C. If you are new to HMDA or are an experienced HMDA reporter\, this program will be beneficial. The program allows time to address any HMDA questions from participants.
URL:https://www.tcaregs.com/event/hmda-bootcamp/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20250915T083000
DTEND;TZID=America/New_York:20250919T163000
DTSTAMP:20260406T103122
CREATED:20250606T100537Z
LAST-MODIFIED:20250606T100740Z
UID:2404-1757925000-1758299400@www.tcaregs.com
SUMMARY:Regulatory Compliance Series
DESCRIPTION:This comprehensive series provides an overall deep understanding of the complexities of regulatory compliance and how they apply to everyday situations. New and seasoned team members will diminish the complex nature of regulatory compliance after attending this program. View/Share Program Flyer \nAudience\nCompliance Officers and Managers\, Consumer Lenders\, Residential Real Estate Lenders\, Personal and Retail Bankers\, Operations Officers\, Legal Counsel\, Auditors\, and Cashiers \nCredit Compliance\, Part 1 – September 15 \nReg B: Equal Credit Opportunity Act\n• Equal treatment and fair lending considerations\n• Application stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\n• Collection of government monitoring information\n• Adverse action rules and business loan denial options\n• New requirements for providing copies of appraisals and evaluations. \nFair Credit Reporting Act\n• Permissible purpose\n• Requirements of users of consumer reports\n• Duties of furnishers of information to a CRA\n• Requirements relating to identity theft. \nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP)\n• The FTC Act/Dodd-Frank Act\n• Standards for determining what is unfair\, deceptive\, or abusive.\n• Deceptive acts and practices\n• Abusive acts or practices\n• Managing risks \nFlood Disaster Protection Act\n• Flood insurance eligibility and determination\n• Private Policy requirements and challenges\n• Required notification and acknowledgment.\n• Insurance and escrow requirements\n• Force placed insurance\, penalties\, and liabilities.\n• What examiners look for in a flood exam. \nReg C: Home Mortgage Disclosure Act (HMDA)\n• Requirements\, responsibility\, and reporting\n• Loan application register\n• Setting HMDA audit sampling sizes\n• Discuss common violations.\n• Discuss the expanded data field. \nLearning Objectives After this program\, participants should be able to:\n• Differentiate between an application and an inquiry for disclosure purposes\, describe the eight stages of an application and identify the latest fair lending issues\n• Understand key regulatory provisions of lending rules such as furnishing adverse action notices and FACTA disclosure requirements\n• Calculate flood insurance coverage for residential\, commercial\, and condos using replacement cost value rules\n• Complete a HMDA report and understand the coding rules to determine what transactions are HMDA reportable \nCredit Compliance Part 2 – September 16 \nReg Z: Truth in Lending Act\n• Coverage and exemptions\n• Finance charges\, annual percentage rate and amount financed\n• Adjustable-rate mortgage (ARM) disclosures\n• Mortgage transfer disclosure\n• Right of rescission\n• Higher-priced mortgage loans\n• Homeownership counseling\n• Ability-to-Repay / Qualified Mortgage rules \nReg X: Real Estate Settlement Procedures Act (RESPA)\n• Homeownership counseling\n• General disclosure requirements\n• Restriction of fees\n• Escrow accounts\n• Mortgage servicing and error resolution procedures\n• Early intervention requirements\, continuity of contact\, and loss mitigation procedures \nLearning Objectives After this program\, participants should be able to:\n• Describe the Ability-to-Repay and QM rules\n• Understand the QM exemption rules\n• Identify finance and prepaid charges\, calculations\, APR tolerances\, and payment streams on Truth in Lending disclosures\n• Recognize when kickback provisions expose the bank to penalties\, calculate the initial escrow statement\, and perform an ongoing annual accounting adjustment when there is a funding surplus\, shortage\, or deficit \nCredit Compliance\, Part 3 – September 17 \nHomeowners Protection Act (PMI)\n• Coverage\n• Cancellation and termination\n• Disclosure requirements\n• Civil liabilities \nReg Z: TILA-RESPA Integrated Disclosures\n• Loan estimate\n• Closing disclosure\n• Tolerances \nMilitary Lending Act\n• Coverage\n• Lending limitations / Prohibited practices.\n• MAPR calculation\n• Disclosure requirements \nLearning Objectives After this program\, participants should be able to:\n• Understand the PMI requirements.\n• Review new loan estimates and closing disclosures.\n• Describe the three tolerance thresholds and applicable fees for each.\n• Understand the coverage\, scope\, and requirements for compliance with the Military Lending Act provisions. \nDeposit Compliance – September 18 \nReg D: NOW Eligibility and Reserve Requirements\n• Repeal of the withdrawal restrictions on savings and money market accounts\n• Regulatory minimum and your bank’s early withdrawal penalty\n• What are the reserve requirement rules? How do they impact compliance?\n• Interest-bearing DDA vs. NOW accounts – they’re not quite the same.\n• Interest premium rules – Do they still matter? \nReg E: Electronic Funds Transfer Act\n• Disclosures and notices\n• Resolving error claims\n• Electronic check conversion\n• Customer Education\n• Remote deposit capture\n• Mobile banking\n• Foreign remittance rules\n• Payroll card and gift card rules\n• Examination trends and frequent findings\n• Overdraft Opt-ins \nReg CC: Expedited Funds Availability Act\n• Disclosures and notices\n• Implications of item posting order.\n• Common hold notice errors\n• Check 21\n• Remotely Created Checks \nReg P: Privacy and Information Sharing “Opt-Outs”\n• Reg P rules\n• Model form (01/01/11)\n• Connection with FCRA sharing.\n• Do not market/Do not solicit policies\n• New CFPB annual disclosure rules \nReg S: Right to Financial Privacy\n• Government information requests\n• Reimbursement \nFair Credit Reporting Act/ID Theft “Red Flags”\n• Address discrepancies\n• Credit report alerts\n• Other “red flags”\n• Affiliate marketing\n• Annual report \nReg DD: Truth in Savings Accounts (TISA)\n• Disclosures and notices\n• Unfair\, Deceptive\, or Abusive Acts or Practices (UDAAP)\n• The higher-risk parts of the rules (e.g.\, inconsistent terminology\, products/terms changes)\n• Advertising compliance\n• Common disclosure errors\n• Courtesy Overdraft Programs \nLearning Objectives After this program\, participants should be able to:\n• Identify the information that must be disclosed to deposit account customers.\n• Recognize compliance solutions that can enhance sales and operations processes.\n• Identify and correct deficiencies that might exist in deposit account disclosures; and\n• Understand Truth in Savings (Reg DD) rules.\n• Understand the latest enforcement trends for TISA/Reg DD including UDAAP.\n• Demonstrate knowledge of the details and bank-wide impact of selected rules. \nBSA/AML Compliance and Regulatory Panel – September 19 \nBSA\, AML and USA Patriot Act\n• Program components/pillars\n• Technical requirements\n• CTR requirements and exemptions\n• CIP and the beneficial ownership final rule\n• Customer due diligence and enhanced due diligence – the 5th Pillar\n• Suspicious activity monitoring\n• OFAC\n• 314(a) searches and 314(b) registration and advantages\n• Core and expanded examination procedures\n• BSA hot topics (medical marijuana\, hemp\, Bitcoin\, beneficial ownership)\n• Recent exam findings and applying lessons learned from enforcement actions \nLearning Objectives After this program\, participants should be able to:\n• Establish a comprehensive BSA/AML program\n• Demonstrate knowledge of the details and bank-wide impact of selected rules \nTCA Compliance Facilitators\nBrian Crow\, CAMS\, Managing Partner and Co-President\nMichelle Strickland\, CRCM\, Managing Partner and Co-President\nMonique Reyna\, CRCM\, Compliance Consultant \nContinuing Education\nABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This series has been approved for 8 CAFP\, 40 CRCM credits (Programs 1-5 CRCM 8 credits each\, Program 5 – 8 CAFP credits). This statement is not an endorsement of this program or its sponsor. \nThe IBA is recognized as a continuing professional education sponsor for public accountants by the Illinois Department of Financial and Professional Regulation. Public accountants licensed in the state of Illinois will earn 35 credits of continuing professional education credit for attending the five-part series (7 credits per program). \nHotel Information\nCourtyard – Springfield\n3462 Freedom Drive\nSpringfield\, IL 62704\nHotel: 217-793-5300\nIBA Rate: 20% off the available rate \nPer Person Fee\nIBA Member\nAll five programs: $1\,225\nIndividual program: $265 \nNonmember\nAll five programs: $2\,045\nIndividual program: $445
URL:https://www.tcaregs.com/event/regulatory-compliance-series/
LOCATION:Center for Banking Excellence\, 3201 West White Oaks Dr.\, Suite 400\, Springfield\, IL\, 62704\, United States
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260325T080000
DTEND;TZID=America/New_York:20260327T170000
DTSTAMP:20260406T103122
CREATED:20260303T124633Z
LAST-MODIFIED:20260303T124911Z
UID:2729-1774425600-1774630800@www.tcaregs.com
SUMMARY:Connect & Protect Experience
DESCRIPTION:An Event for Marketing\, Human Resources\, Retail Banking\, Training\, Security\, Enterprise Risk Management\, Operations and Technology\, and Compliance Professionals\n\nMarch 25\, 2026 – March 27\, 2026\n\n\n \nThe Connect|Protect Experience is an event for marketing\, HR\, retail banking\, training\, security\, ERM\, operations and technology and compliance professionals that will uncover new ideas\, trends and developments in banking. \n\n  \nRegulatory Whiplash – Bank Compliance in the Trump Era (Compliance) \nMichelle Strickland | TCA \nThe past year has been a whirlwind for financial institutions and in turn\, compliance professionals. Prior administrations rules repealed\, enforcement actions dropped\, guidance repealed and the CFPB’s existence on the chopping block. The message sent may be heard as “compliance is no longer important” or unnecessary. This messaging may make it difficult for compliance officers to continue the efforts of managing an effective Compliance Management System. This session will provide attendees with perspective and guidance on how to keep their CMS on track and focus on risks relevant to your institution.
URL:https://www.tcaregs.com/event/connect-protect-experience/
LOCATION:Hotel Roanoke\, 110 Shenandoah Ave NE\, Roanoke\, VA\, 24016\, United States
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260408T080000
DTEND;TZID=America/New_York:20260409T170000
DTSTAMP:20260406T103122
CREATED:20260120T140059Z
LAST-MODIFIED:20260120T140059Z
UID:2607-1775635200-1775754000@www.tcaregs.com
SUMMARY:BSA/AML 2-Day School
DESCRIPTION:SA/AML 2-Day SchoolVirginia Bankers Association\nGlen Allen\, VA\n\nApril 8\, 2026 – April 9\, 2026\n\n\nThe 2026 BSA/AML 2‑Day School provides comprehensive training to meet annual BSA requirements while equipping professionals with practical\, real‑world compliance skills. The program explores evolving risks\, foundational BSA/AML requirements\, examiner hot buttons\, and regulatory updates. Attendees will learn how to detect emerging fraud\, manage higher‑risk relationships\, and strengthen their institutions’ BSA/AML programs in today’s changing regulatory environment. \nSeminar Information & Session Topics*\n\nThis two-day program is designed to encompass the broad range of topics included in the realm of the Bank Secrecy Act and Anti-Money Laundering.​ \nSpecific topics for 2026 will be posted soon! \n*Note: Topics are subject to change based on new guidance or regulation that is published.
URL:https://www.tcaregs.com/event/bsa-aml-2-day-school-3/
LOCATION:Drury Plaza Hotel Richmond\, 11049 West Broad Street\, Glen Allen\, VA\, 23060\, United States
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260427T080000
DTEND;TZID=America/New_York:20260430T170000
DTSTAMP:20260406T103122
CREATED:20260303T124126Z
LAST-MODIFIED:20260303T124126Z
UID:2728-1777276800-1777568400@www.tcaregs.com
SUMMARY:2026 BSA Academy
DESCRIPTION:This week long school provides an up-to-date overview covering a wide range of top industry concerns to ensure your knowledge and understanding of BSA/AML Requirements. In the age of deregulation\, BSA/AML is here to stay\, with its ever-increasing compliance expectations. Our faculty is highly experienced and knowledgeable. You won’t want to miss this opportunity to dive in deep and bring back helpful knowledge and resources for your bank. We will also have fun! \n\nWHO SHOULD ATTEND? \nThe school is designed for BSA professionals with a working knowledge of all aspects of the BSA compliance management including BSA\, AML\, compliance\, risk management\, auditors\, and fraud. Individuals with accountability for BSA compliance will also benefit from this program\, such as: retail management\, risk management\, operations\, and employee development.
URL:https://www.tcaregs.com/event/2026-bsa-academy/
LOCATION:The Lodge at Gulf State Park\, 21196 East Beach Blvd\, Gulf Shores\, AL\, 36542\, United States
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/alabama-bankers-association.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260518T080000
DTEND;TZID=America/New_York:20260521T170000
DTSTAMP:20260406T103122
CREATED:20260127T141328Z
LAST-MODIFIED:20260127T141513Z
UID:2613-1779091200-1779382800@www.tcaregs.com
SUMMARY:Compliance School (Hosted by: Maryland\, North Carolina\, and Virginia Bankers Associations)
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 2026\, the MBA\, NCBA and VBA will join together to host the school with a three- day Lending Track and a one-day Deposits Track.
URL:https://www.tcaregs.com/event/compliance-school-hosted-by-maryland-north-carolina-and-virginia-bankers-associations/
LOCATION:Virginia Bankers Association\, 4490 Cox Road\, Glen Allen\, VA\, 23060\, United States
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20260824T083000
DTEND;TZID=America/New_York:20260828T163000
DTSTAMP:20260406T103122
CREATED:20260317T122918Z
LAST-MODIFIED:20260317T122918Z
UID:2740-1787560200-1787934600@www.tcaregs.com
SUMMARY:Regulatory Compliance Series
DESCRIPTION:Hybrid Event   \n\nMonday\, August 24\, 2026 – Friday\, August 28\, 2026   iCalendarCentral Standard Time \n\n  \n\n\n\n\n \n\n\nThis comprehensive series provides an overall deep understanding of the complexities of regulatory compliance and how they apply to everyday situations. New and seasoned team members will diminish the complex nature of regulatory compliance after attending this program. \nAudience\nCompliance Officers and Managers\, Consumer Lenders\, Residential Real Estate Lenders\, Personal and Retail Bankers\, Operations Officers\, Legal Counsel\, Auditors\, and Cashiers \nCredit Compliance\, Part 1 – August 24 \nReg B: Equal Credit Opportunity Act\n• Equal treatment and fair lending considerations\n• Application stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\n• Collection of government monitoring information\n• Adverse action rules and business loan denial options\n• New requirements for providing copies of appraisals and evaluations. \nFair Credit Reporting Act\n• Permissible purpose\n• Requirements of users of consumer reports\n• Duties of furnishers of information to a CRA\n• Requirements relating to identity theft. \nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP)\n• The FTC Act/Dodd-Frank Act\n• Standards for determining what is unfair\, deceptive\, or abusive.\n• Deceptive acts and practices\n• Abusive acts or practices\n• Managing risks \nFlood Disaster Protection Act\n• Flood insurance eligibility and determination\n• Private Policy requirements and challenges\n• Required notification and acknowledgment.\n• Insurance and escrow requirements\n• Force placed insurance\, penalties\, and liabilities.\n• What examiners look for in a flood exam. \nReg C: Home Mortgage Disclosure Act (HMDA)\n• Requirements\, responsibility\, and reporting\n• Loan application register\n• Setting HMDA audit sampling sizes\n• Discuss common violations.\n• Discuss the expanded data field. \nLearning Objectives After this program\, participants should be able to:\n• Differentiate between an application and an inquiry for disclosure purposes\, describe the eight stages of an application and identify the latest fair lending issues\n• Understand key regulatory provisions of lending rules such as furnishing adverse action notices and FACTA disclosure requirements\n• Calculate flood insurance coverage for residential\, commercial\, and condos using replacement cost value rules\n• Complete a HMDA report and understand the coding rules to determine what transactions are HMDA reportable \nCredit Compliance Part 2 – August 25 \nReg Z: Truth in Lending Act\n• Coverage and exemptions\n• Finance charges\, annual percentage rate and amount financed\n• Adjustable-rate mortgage (ARM) disclosures\n• Mortgage transfer disclosure\n• Right of rescission\n• Higher-priced mortgage loans\n• Homeownership counseling\n• Ability-to-Repay / Qualified Mortgage rules \nReg X: Real Estate Settlement Procedures Act (RESPA)\n• Homeownership counseling\n• General disclosure requirements\n• Restriction of fees\n• Escrow accounts\n• Mortgage servicing and error resolution procedures\n• Early intervention requirements\, continuity of contact\, and loss mitigation procedures \nLearning Objectives After this program\, participants should be able to:\n• Describe the Ability-to-Repay and QM rules\n• Understand the QM exemption rules\n• Identify finance and prepaid charges\, calculations\, APR tolerances\, and payment streams on Truth in Lending disclosures\n• Recognize when kickback provisions expose the bank to penalties\, calculate the initial escrow statement\, and perform an ongoing annual accounting adjustment when there is a funding surplus\, shortage\, or deficit \nCredit Compliance\, Part 3 – August 26 \nHomeowners Protection Act (PMI)\n• Coverage\n• Cancellation and termination\n• Disclosure requirements\n• Civil liabilities \nReg Z: TILA-RESPA Integrated Disclosures\n• Loan estimate\n• Closing disclosure\n• Tolerances \nMilitary Lending Act\n• Coverage\n• Lending limitations / Prohibited practices.\n• MAPR calculation\n• Disclosure requirements \nLearning Objectives After this program\, participants should be able to:\n• Understand the PMI requirements.\n• Review new loan estimates and closing disclosures.\n• Describe the three tolerance thresholds and applicable fees for each.\n• Understand the coverage\, scope\, and requirements for compliance with the Military Lending Act provisions. \nDeposit Compliance – August 27 \nReg D: NOW Eligibility and Reserve Requirements\n• Repeal of the withdrawal restrictions on savings and money market accounts\n• Regulatory minimum and your bank’s early withdrawal penalty\n• What are the reserve requirement rules? How do they impact compliance?\n• Interest-bearing DDA vs. NOW accounts – they’re not quite the same.\n• Interest premium rules – Do they still matter? \nReg E: Electronic Funds Transfer Act\n• Disclosures and notices\n• Resolving error claims\n• Electronic check conversion\n• Customer Education\n• Remote deposit capture\n• Mobile banking\n• Foreign remittance rules\n• Payroll card and gift card rules\n• Examination trends and frequent findings\n• Overdraft Opt-ins \nReg CC: Expedited Funds Availability Act\n• Disclosures and notices\n• Implications of item posting order.\n• Common hold notice errors\n• Check 21\n• Remotely Created Checks \nReg P: Privacy and Information Sharing “Opt-Outs”\n• Reg P rules\n• Model form (01/01/11)\n• Connection with FCRA sharing.\n• Do not market/Do not solicit policies\n• New CFPB annual disclosure rules \nReg S: Right to Financial Privacy\n• Government information requests\n• Reimbursement \nFair Credit Reporting Act/ID Theft “Red Flags”\n• Address discrepancies\n• Credit report alerts\n• Other “red flags”\n• Affiliate marketing\n• Annual report \nReg DD: Truth in Savings Accounts (TISA)\n• Disclosures and notices\n• Unfair\, Deceptive\, or Abusive Acts or Practices (UDAAP)\n• The higher-risk parts of the rules (e.g.\, inconsistent terminology\, products/terms changes)\n• Advertising compliance\n• Common disclosure errors\n• Courtesy Overdraft Programs \nLearning Objectives After this program\, participants should be able to:\n• Identify the information that must be disclosed to deposit account customers.\n• Recognize compliance solutions that can enhance sales and operations processes.\n• Identify and correct deficiencies that might exist in deposit account disclosures; and\n• Understand Truth in Savings (Reg DD) rules.\n• Understand the latest enforcement trends for TISA/Reg DD\, including UDAAP.\n• Demonstrate knowledge of the details and bank-wide impact of selected rules. \nBSA/AML Compliance and Regulatory Panel – August 28 \nBSA\, AML\, and USA Patriot Act\n• Program components/pillars\n• Technical requirements\n• CTR requirements and exemptions\n• CIP and the beneficial ownership final rule\n• Customer due diligence and enhanced due diligence – the 5th Pillar\n• Suspicious activity monitoring\n• OFAC\n• 314(a) searches and 314(b) registration and advantages\n• Core and expanded examination procedures\n• BSA hot topics (medical marijuana\, hemp\, Bitcoin\, beneficial ownership)\n• Recent exam findings and applying lessons learned from enforcement actions \nLearning Objectives After this program\, participants should be able to:\n• Establish a comprehensive BSA/AML program\n• Demonstrate knowledge of the details and bank-wide impact of selected rules \nTCA Compliance Facilitators\nBrian Crow\, CAMS\, Managing Partner and Co-President\nMichelle Strickland\, CRCM\, Managing Partner and Co-President\nMonique Reyna\, CRCM\, Compliance Consultant \nContinuing Education\nABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This series is under review. \nThe IBA is recognized as a continuing professional education sponsor for public accountants by the Illinois Department of Financial and Professional Regulation. Public accountants licensed in the state of Illinois will earn 35 credits of continuing professional education credit for attending the five-part series (7 credits per program). \nHotel Information\nCourtyard – Springfield\n3462 Freedom Drive\nSpringfield\, IL 62704\nHotel: 217-793-5300\nIBA Rate: 20% off the available rate \nPer Person Fee\nIBA Member\nAll five programs: $1\,225\nIndividual program: $265 \nNonmember\nAll five programs: $2\,045\nIndividual program: $445
URL:https://www.tcaregs.com/event/regulatory-compliance-series-2026/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-compliance-school.jpg
END:VEVENT
END:VCALENDAR