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Training On Demand


  • play_arrow 2018 Regulation CC Amendments: What is Final and What is Proposed

    • When Regulation CC first came into effect, payments and collections were paper-based. But banking has most almost completely shifted to electronic-based, and the FRB is responding by amending Regulation CC to reflect modern industry practices. This final rule takes effect July 1, 2018.
  • play_arrow Advertising Rules for Deposit and Non-Deposit Investment Products

    • Advertising regulations can be traps for the unwary. Regulations limit what can be stated in an advertisement and also mandate what must be disclosed. Do you know how to craft a compliant deposit advertisement? When can you say “free” in an ad? What are the regulations for advertising non-deposit investment products?
  • play_arrow Affiliates and Sharing with Third Parties

    • Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public. Given the mountains of continuing litigation over breaches in the sharing of customer information with affiliates, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline.
  • play_arrow Compliance Aspects of Consumer Reports

    • Our people pull, use, refer back to, share information from, supply information for, and dispose of consumer reports (credit bureau reports) all the time, but danger lurks at every turn because of the Fair Credit Reporting Act and other laws that restrict what we may do. This session will go over the limits on our freedom of action in this field.
  • play_arrow Discretionary Overdraft Programs

    • Discretionary overdraft programs have been through the regulatory wringer in the last few years. Practically every aspect of your discretionary overdraft program, including developing it, managing it, disclosing it, and allowing customers to utilize it, is under scrutiny. This webinar will provide a good overview of the recent regulations and guidance that govern discretionary overdraft programs. Learn what examiners will be expecting of you, and the practical and impractical challenges of the recent regulations and guidance.
  • play_arrow Dispute Resolution Under Regulation E

    • Consumer disputes arising from unauthorized electronic transactions are constantly on the rise and is a costly proposition for financial institutions which are often left holding the bag. We have all experienced claims of unauthorized activity that left us with suspicions. Knowing the rules and having procedures designed to provide the institution with a blueprint for a thorough investigation of the allegations, will allow you to respond confidently to these disputes, providing credit when appropriate and properly responding to the consumer when your investigation reveals no error occurred.
  • play_arrow Elder Financial Exploitation: Trends, Methods, Detection and Reporting

    • Elder Financial Exploitation (EFE) is a somewhat new term for those of us in the industry, as it has been more commonly known as Elder Financial Abuse. Over the past year, the Regulatory Agencies and community groups have focused on identifying, preventing, and reporting elder financial exploitation, as this is a serious issue that grows more prevalent over time. Recent reports have shown that incidents of elder abuse have quadrupled over the past 5 years -and those statistics reflect only those incidents reported to authorities. How can you recognize EFE? Once you recognize it, what are your obligations? What trends are we seeing in the industry with respect to EFE? Are there particular methods of EFE that are more prevalent than others?
  • play_arrow Foreign Remittance Transfer Requirements for Regulation E

    • The Dodd-Frank Act has brought a flood of regulatory changes, but none more vexing and confusing than the new remittance transfer rules that have been added as Subsection B of Regulation E. The rules go mandatory early in 2013, but a lot has to be done before then to prepare for complying with the extensive new protections that are imposed by these new disclosure, processing, and error resolution/cancellation requirements of the regulation. Some providers of these types of services may want to consider altering their product offering or terminating the service by the mandatory effective date of the new rules.
  • play_arrow NCUA Insurance in a Dodd-Frank World

    • In today’s world, you have so many compliance rules to learn all thanks to the Dodd- Frank Wall Street Reform and Consumer Protection Act. Several years ago, you would have thought nothing of your NCUA insurance because it was relatively unchanged. That isn’t the case anymore! Due to the recent economic downturn, the sluggish recovery, and the general consumer distrust of the U.S. financial system, there isn’t a single rule that has been left untouched. The regulations on NCUA insurance are no exception.
  • play_arrow Payment Order Controversies

    • There are two areas in which the federal government is changing the way in which financial institutions apply checks to balances: deposits and loans. In deposits, there is a push first of all to have institutions pay checks in certain orders and not pay them in other orders, and secondly to have institutions disclose to customers the order in which they pay them. Neither push is supported by any statute or regulation, and the agencies are far from unanimous about these topics. Result: confusion for all and competitive disadvantage for some.
  • play_arrow Privacy - Sharing with Nonaffiliated Third Parties

    • Financial privacy and sharing customer information continue to be “sizzling hot” issues. The security of customer information also remains a high priority with financial institutions, regulatory agencies and in the minds of the general public.Given the mountains of continuing litigation over breaches in the sharing of customer information with nonaffiliated entities, financial institutions continue the uphill battle to minimize that important area of risk. This seminar is designed to address all the issues surrounding sharing customer information with non-affiliates. To keep you insulated from civil liability, criminal penalty, and administrative sanctions you need to be aware of the technical requirements of the rules. As financial institutions adapt to all the numerous regulatory changes, make sure you are one of the successful ones to get a heads up on any changes coming down the pipeline.
  • play_arrow Privacy in 2015 - A New Perspective on Notice Requirements

    • Not much has changed in the world of privacy – until October 28, 2014 when the CFPB issued final rules regarding the annual privacy notice and delivery requirements. The rule is intended to improve the accessibility of customer privacy disclosures and allows institutions that meet certain conditions to post their annual privacy notices online, rather than delivering them to customers. Join us for our session discussing these new requirements as well as the basics of privacy and the protections that are afforded to consumers and customers.
  • play_arrow Regulation CC - A Refresher Course

    • For decades, the funds availability rules Regulation CC remained largely unchanged. Then the Federal Reserve slowly consolidated its 42 check-processing regions down to one, ending in February, 2010. Since a “nonlocal check” is one drawn on a bank in another check processing region, that item became extinct, and many revisions to the rules and model forms were needed. In 2011, the Fed proposed some and added other unnecessary changes. The public comments were scathing, and the agency went silent. With the passage of Dodd-Frank, CFPB shares jurisdiction with Fed over this topic, and for five years now has said in its regulatory agenda that a final rule is coming. The latest agenda says it will occur “06/00/15.” We’ve talked with a lawyer at CFPB who says it will be later. Meanwhile, examiners threaten banks with UDAAP citations for using current, official model forms.
  • play_arrow Regulation CC: Funds Availability Training

    • Do you or your retail staff often have questions regarding funds availability requirements? Can we place a hold on a cashier’s check? How many days can we hold checks on new accounts? What is a “new account”? Do these rules apply to business accounts or items deposited into savings accounts? When do we have to inform a customer that we are placing a hold on their deposit? How and when are we required to notify our customers of the institution’s funds availability policy?
  • play_arrow Regulation DD - Deposit Disclosures

    • You know about overdraft and advertising regulations relating to deposit accounts. But what else is there to Regulation DD? A lot more! This webinar will review and breakdown all the disclosures that you must provide for traditional deposit products and explain some of the terms that must be included in these disclosures such as tiered accounts, credit and compounding.
  • play_arrow Regulation E Error Resolution: What You Need to Know to Be in Compliance

    • In the Bureau of Consumer Financial Protection’s most recent Summer Supervisory Highlights, the agency stated, “examiners continue to find issues associated with Regulation E error resolution investigations.” This statement should come as a surprise to many of us as the error resolution procedures have not changed. Join us as we discuss the error resolution process, covering some helpful tips and some common error resolution claims that Capco has encountered.
  • play_arrow Regulation GG: Your Obligations to Stop Unlawful Internet Gambling

    • Haven't heard of Regulation GG? It's the regulation that implements the requirements to identify and prohibit unlawful internet gambling under the SAFE Port Act, and it goes into effect in 2009!
  • play_arrow Remote Deposit Capture Assessment

    • In this webinar on “The Remote Deposit Capture Assessment,” we will discuss the FFIEC guidance and how a financial institution can assess the risks associated with this product, including compliance risks. We will address the technology aspects that allow customers to initiate deposits from their premises. We will also look at risk management techniques that can help an institution assess merchant environments, the combined operation for processing remote deposits, and the contractual agreement between a financial institution and a commercial customer.
  • play_arrow Right to Financial Privacy Act

    • This session will help you (and your staff) become familiar with the rules and the expectations of this Act. According to examiners, the proper handling of these requests is an ever increasing concern given today’s financial environment. Attend this session and learn how to verify that your institution is in compliance with the rules.
  • play_arrow UDAAP - The Do's and Don'ts for an Effective Compliance Program

    • Are you sick and tired of hearing “UDAAP” or do you feel like you cannot get enough information? Whatever grouping you align yourself with, it is better to have more information than less in order to protect your institution from UDAAP claims and violations. Join us as we discuss what constitutes unfair, deceptive, and abusive. We will also explore recent enforcement actions to determine the Do’s and Do Not’s for an effective UDAAP compliance program.
  • play_arrow What's New In Prepaid

    • For the past several years, prepaid card regulation has been postponed several times, leaving institutions scratching their heads about just what the CFPB would eventually decide. How many more changes, if any, would have to be implemented? As of April 1, 2019, the final iteration of the new rule became effective. This webinar will walk through the provisions and guidance to help you ensure compliance. Join us as we cover all the pertinent topics and provide tips to help you stay compliant.