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DTSTAMP:20260405T193918
CREATED:20220331T130338Z
LAST-MODIFIED:20220919T171943Z
UID:1543-1652688000-1652720400@www.tcaregs.com
SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 2022\, the VBA and NCBA will join together to host the virtual school with a three day Lending track and a one day Deposits track. \nLending Track\nConsumer loan product regulations are more complex and detailed than ever with more significant changes and guidance becoming effective at regular intervals. With greater scrutiny comes higher risk of noncompliance and the likelihood of enforcement action and/or civil money penalties. \nThis program offers a comprehensive discussion of consumer compliance regulations and effective assessment methods. Lenders and compliance officers will be better prepared to effectively audit\, train\, and manage the bank’s compliance lending requirements. \nReg B: Equal Credit Opportunity Act \n\nEqual treatment and fair lending considerations\nApplication stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\nCollection of government monitoring information\nAdverse action rules and business loan denial options\nNew requirements for providing copies of appraisals and evaluations.\n\nFair Credit Reporting Act \n\nPermissible purpose\nRequirements of users of consumer reports• Duties of furnishers of information to a CRA\nRequirements relating to identity theft.\n\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP) \n\nThe FTC Act/Dodd-Frank Act\nStandards for determining what is unfair\, deceptive or abusive.\nDeceptive acts and practices\nAbusive acts or practices\nManaging risks\n\nFlood Disaster Protection Act \n\nFlood insurance eligibility and determination\nPrivate Policy requirements and challenges\nRequired notification and acknowledgment.\nInsurance and escrow requirements\nForce placed insurance\, penalties and liabilities.\nWhat examiners look for in a flood exam.\n\nReg C: Home Mortgage Disclosure Act (HMDA) \n\nRequirements\, responsibility and reporting\nLoan application register\nSetting HMDA audit sampling sizes\nDiscuss common violations.\nDiscuss expanded data field.\n\nReg Z: Truth in Lending Act \n\nCoverage and exemptions\nFinance charges\, annual percentage rate and amount financed\nAdjustable-rate mortgage (ARM) disclosures\nMortgage transfer disclosure\nRight of rescission\nHigher-priced mortgage loans\nHomeownership counseling\nAbility-to-Repay / Qualified Mortgage rules\n\nReg X: Real Estate Settlement Procedures Act (RESPA) \n\nHomeownership counseling\nGeneral disclosure requirements\nRestriction of fees\nEscrow accounts\nMortgage servicing and error resolution procedures\nEarly intervention requirements\, continuity of contact\, and loss mitigation procedures\n\nHomeowners Protection Act (PMI) \n\nCoverage\nCancellation and termination\nDisclosure requirements\nCivil liabilities\n\nReg Z: TILA-RESPA Integrated Disclosures \n\nLoan estimate\nClosing disclosure\nTolerances\n\nMilitary Lending Act \n\nCoverage\nLending limitations / Prohibited practices\nMAPR calculation\nDisclosure requirements
URL:https://www.tcaregs.com/event/compliance-school-virtual-co-sponsored-by-virginia-bankers-association-north-carolina-bankers-association/
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220517T080000
DTEND;TZID=America/Chicago:20220518T170000
DTSTAMP:20260405T193918
CREATED:20220308T132526Z
LAST-MODIFIED:20220919T171838Z
UID:1534-1652774400-1652893200@www.tcaregs.com
SUMMARY:2022 Advanced BSA/AML Academy
DESCRIPTION:Hybrid Delivery Options (select your preference when registering)\nMay 17-18 – IBA Center for Banking Excellence\, Springfield OR Live-Streamed via Zoom 9:00 a.m. – 4:00 p.m. \nBSA/AML is in its 52nd year! This session focuses on the latest changing BSA arena and offers tips and tools to develop and manage an “adequate” and “an effective and reasonably designed” BSA program. A regulator panel and special guest speaker will also be part of this year’s agenda. Receive a training program manual\, an updated FFIEC BSA/AML Examination Manual\, a resource manual (packed with examples\, forms\, templates\, handouts)\, and opportunities to network with peers on current challenges and trends. \nRecap of Major AML/BSA Trends in 2021-2022 Focus on current BSA/AML trends and the regulatory guidance that outlines the responsibility for BSA/ AML compliance. \n2022 Update of BSA Reform and Priorities – National Defense Authorization Act We’ll focus on an update\, discuss the key BSA/AML priorities\, including Terrorist Financing and Proliferation Financing\, as well as recommendations for proactively meeting regulatory expectations. \nFinCEN Updates and Impact of the FFIEC BSA/AML Examination Manual Key update takeaways with a focus on enhancing the banks’ policies\, procedures\, and processes are highlighted. \nPreparing for the BSA/AML Examination – Learning from Recent Enforcement and Audit Findings Often bankers comment that enforcement actions only happen to the big banks. Regulators are encouraging senior management and boards to stay abreast of enforcement actions. We will examine recent consent order(s) with specific BSA violations to share with senior management and includes recommendations and best practices for ongoing preparation and organization for audits and examinations. \nWhat are the Examiners and Auditors BSA/AML Pulse Points? Bankers have the opportunity to share and learn from other bankers what the current hot topics are during recent BSA/AML examinations and audits. \nRevisiting the BSA/AML Compliance Risk Assessment The enhanced focus on using risk assessments to increase AML program effectiveness is consistent with federal and state regulatory priorities. Many of the recent BSA/AML regulatory exam findings cite BSA/AML and OFAC risk assessments lacking detailed analysis to identify risk within the customer base. This session revisits the BSA/AMLrisk assessment process and provides additional insight\, tips\, and recommendations. \nHigh-Risk Products and Services and “Other Illicit Financial Activity” Taking a risk-focused approach to high-risk customers versus “The List” will require additional onboarding and due diligence. This session focuses on best practices for risk-focused high risks as well as other illicit financial activity including cybersecurity\, elder financial exploitation\, and fraud. \nCannabis Banking Update – From Hemp to Delta 8 to Weed Marijuana continues to be one of the key topics in financial institutions with states legalizing medical or recreational marijuana. This session focuses on the key elements for banking and not banking cannabis-related products. \nEmerging Payment Trends and Risks As our banks move to increased online banking services\, the BSA implications will be impacted exponentially. ACH payments are quickly becoming one of the primary means of non-cash payment. This session focuses on best practices in proactively mitigating risks in relation to the increasing changes in the payments arena. \nBanking Virtual and Digital Currency Are you interested in gaining a better understanding of virtual and digital currency This session will focus on information to help understand your institution’s overall exposure or quantify the risks of getting more deeply involved in these businesses? \nEducating the Bank and the Board: Ongoing Learning This session includes practical tips and job aids to assist with ensuring training is more than just a “check in the box.” \nHuman and Wildlife Trafficking Financial institutions that properly identify indicia of human trafficking are critical to law enforcement’s efforts to combat human trafficking. The pandemic aggravated the conditions that lead to human trafficking and can occur in a wide variety of industries. In addition\, the proceeds related to wildlife trafficking are estimated to be between $7 and $23 billion annually. According to FinCEN\, financial institutions play a critical role in “identifying wildlife trafficking and protecting the U.S. financial system from associated illicit finance through compliance with their BSA obligations.” This session highlights key musts and recommendations for identifying and mitigating risks associated with human and wildlife trafficking. \nOFAC and Sanctions Compliance Update FATF is the most important watchdog to deter jurisdictions that may allow money laundering\, terrorist financing\, and other illicit and corrupt activity to go on in their countries. This session focuses on the latest OFAC updates\, how our changing world impacts regulations\, as well as best practices for maintaining OFAC compliance. \nWhat’s Ahead in 2022 – Tips\, Tools\, and Takeaways We wrap up and highlight upcoming proposed rulemaking and key initiatives that are on the horizon for BSA/AML. \nFacilitator\nAs a former banker\, Dianne Barton\, Founder & President of Performance Solutions\, Inc.\, provides a full array of bank-specific learning solutions including leadership and management development\, regulatory and compliance implementations\, retail growth strategies\, sales & service culture development\, strategic planning\, is recognized as “real world solutions” by both regional banks and community banks. \nABA Professional Certifications\nApproved for 14.5 CAFP\, CRCM credits \nFee Per Person\nMembers $505\nNonmembers $875 \nHybrid Event\nllinois
URL:https://www.tcaregs.com/event/2022-advanced-bsa-aml-academy/
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/Chicago:20220523T080000
DTEND;TZID=America/Chicago:20220523T170000
DTSTAMP:20260405T193918
CREATED:20220331T130535Z
LAST-MODIFIED:20220919T171930Z
UID:1544-1653292800-1653325200@www.tcaregs.com
SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 2022\, the VBA and NCBA will join together to host the virtual school with a three day Lending track and a one day Deposits track. \nLending Track\nConsumer loan product regulations are more complex and detailed than ever with more significant changes and guidance becoming effective at regular intervals. With greater scrutiny comes higher risk of noncompliance and the likelihood of enforcement action and/or civil money penalties. \nThis program offers a comprehensive discussion of consumer compliance regulations and effective assessment methods. Lenders and compliance officers will be better prepared to effectively audit\, train\, and manage the bank’s compliance lending requirements. \nReg B: Equal Credit Opportunity Act \n\nEqual treatment and fair lending considerations\nApplication stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\nCollection of government monitoring information\nAdverse action rules and business loan denial options\nNew requirements for providing copies of appraisals and evaluations.\n\nFair Credit Reporting Act \n\nPermissible purpose\nRequirements of users of consumer reports• Duties of furnishers of information to a CRA\nRequirements relating to identity theft.\n\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP) \n\nThe FTC Act/Dodd-Frank Act\nStandards for determining what is unfair\, deceptive or abusive.\nDeceptive acts and practices\nAbusive acts or practices\nManaging risks\n\nFlood Disaster Protection Act \n\nFlood insurance eligibility and determination\nPrivate Policy requirements and challenges\nRequired notification and acknowledgment.\nInsurance and escrow requirements\nForce placed insurance\, penalties and liabilities.\nWhat examiners look for in a flood exam.\n\nReg C: Home Mortgage Disclosure Act (HMDA) \n\nRequirements\, responsibility and reporting\nLoan application register\nSetting HMDA audit sampling sizes\nDiscuss common violations.\nDiscuss expanded data field.\n\nReg Z: Truth in Lending Act \n\nCoverage and exemptions\nFinance charges\, annual percentage rate and amount financed\nAdjustable-rate mortgage (ARM) disclosures\nMortgage transfer disclosure\nRight of rescission\nHigher-priced mortgage loans\nHomeownership counseling\nAbility-to-Repay / Qualified Mortgage rules\n\nReg X: Real Estate Settlement Procedures Act (RESPA) \n\nHomeownership counseling\nGeneral disclosure requirements\nRestriction of fees\nEscrow accounts\nMortgage servicing and error resolution procedures\nEarly intervention requirements\, continuity of contact\, and loss mitigation procedures\n\nHomeowners Protection Act (PMI) \n\nCoverage\nCancellation and termination\nDisclosure requirements\nCivil liabilities\n\nReg Z: TILA-RESPA Integrated Disclosures \n\nLoan estimate\nClosing disclosure\nTolerances\n\nMilitary Lending Act \n\nCoverage\nLending limitations / Prohibited practices\nMAPR calculation\nDisclosure requirements
URL:https://www.tcaregs.com/event/compliance-school-05232022/
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220526T080000
DTEND;TZID=America/Chicago:20220526T170000
DTSTAMP:20260405T193918
CREATED:20220331T130619Z
LAST-MODIFIED:20220919T171821Z
UID:1545-1653552000-1653584400@www.tcaregs.com
SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 2022\, the VBA and NCBA will join together to host the virtual school with a three day Lending track and a one day Deposits track. \nLending Track\nConsumer loan product regulations are more complex and detailed than ever with more significant changes and guidance becoming effective at regular intervals. With greater scrutiny comes higher risk of noncompliance and the likelihood of enforcement action and/or civil money penalties. \nThis program offers a comprehensive discussion of consumer compliance regulations and effective assessment methods. Lenders and compliance officers will be better prepared to effectively audit\, train\, and manage the bank’s compliance lending requirements. \nReg B: Equal Credit Opportunity Act \n\nEqual treatment and fair lending considerations\nApplication stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\nCollection of government monitoring information\nAdverse action rules and business loan denial options\nNew requirements for providing copies of appraisals and evaluations.\n\nFair Credit Reporting Act \n\nPermissible purpose\nRequirements of users of consumer reports• Duties of furnishers of information to a CRA\nRequirements relating to identity theft.\n\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP) \n\nThe FTC Act/Dodd-Frank Act\nStandards for determining what is unfair\, deceptive or abusive.\nDeceptive acts and practices\nAbusive acts or practices\nManaging risks\n\nFlood Disaster Protection Act \n\nFlood insurance eligibility and determination\nPrivate Policy requirements and challenges\nRequired notification and acknowledgment.\nInsurance and escrow requirements\nForce placed insurance\, penalties and liabilities.\nWhat examiners look for in a flood exam.\n\nReg C: Home Mortgage Disclosure Act (HMDA) \n\nRequirements\, responsibility and reporting\nLoan application register\nSetting HMDA audit sampling sizes\nDiscuss common violations.\nDiscuss expanded data field.\n\nReg Z: Truth in Lending Act \n\nCoverage and exemptions\nFinance charges\, annual percentage rate and amount financed\nAdjustable-rate mortgage (ARM) disclosures\nMortgage transfer disclosure\nRight of rescission\nHigher-priced mortgage loans\nHomeownership counseling\nAbility-to-Repay / Qualified Mortgage rules\n\nReg X: Real Estate Settlement Procedures Act (RESPA) \n\nHomeownership counseling\nGeneral disclosure requirements\nRestriction of fees\nEscrow accounts\nMortgage servicing and error resolution procedures\nEarly intervention requirements\, continuity of contact\, and loss mitigation procedures\n\nHomeowners Protection Act (PMI) \n\nCoverage\nCancellation and termination\nDisclosure requirements\nCivil liabilities\n\nReg Z: TILA-RESPA Integrated Disclosures \n\nLoan estimate\nClosing disclosure\nTolerances\n\nMilitary Lending Act \n\nCoverage\nLending limitations / Prohibited practices\nMAPR calculation\nDisclosure requirements
URL:https://www.tcaregs.com/event/compliance-school-05262022/
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
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