CPE for Webinars

Live WebinarsMost ProBank Austin webinars are eligible for CRCM credits through the ABA Professional Certification process. Click here for more...

Traditional Open-End Lines of Credit – Webinar

WebinarsCash Reserve – Cash Advance – Overdraft Checking A two-hour webinar focusing on changes in the requirements for traditional open-end lines of credit. OVERVIEW Lending compliance is a complicated topic that has been in a state of incredible change in the past few years.  Although recent focus has been mostly on closed-end lending, financial institutions need to be mindful of the rules regulating open-end credit, which are significantly different than closed-end rules. This webinar will review Regulation Z’s provisions regarding traditional open-end lines of credit (non-credit card, non-home secured), including the disclosures required at account opening, on periodic statements, and for change-in-terms notices. In addition, we will review the timing rules for mailing periodic statements and promptly crediting payments received. HERE IS WHAT YOU WILL LEARN Content and format requirements for account-opening disclosures Periodic statement requirements, including what products must receive statements, content and format requirements, and timing rules What procedures the institution must have for mailing periodic statements Advance notice requirements when increasing the rate due to delinquency, default, or as a penalty Rules for change-in-terms notices, including format, content, and timing requirements The requirement to promptly credit payments as of the day of receipt, including the effect of cut-off times PRESENTER Anetria Connell, Vice President, PBS WHO SHOULD ATTEND Those personnel responsible for compliance with Regulation Z open-end credit requirements, as well as those involved in operations, management, and developing non-credit card, non-home secured lines of credit will benefit from this webinar specifically designed to address these types of products. FORMAT Comprehensive written materials along with an online presentation for viewing serve as the basis of the...

Home Mortgage Disclosure Act: Proposed Rule – Webinar

WebinarsA ninety-minute webinar that will cover the requirements of the proposed rule. OVERVIEW On August 29, 2014, the Consumer Financial Protection Bureau (Bureau) proposed to implement the Dodd-Frank Act amendments and to make changes in the Bureau’s Regulation C, which implements HMDA. Specifically, the Bureau is proposing several changes to revise the tests for determining which financial institutions and housing-related credit transactions are covered under HMDA. The Bureau also is proposing to require financial institutions to report new data fields identified in the Dodd-Frank Act, as well as other data fields that the Bureau believes may be necessary to carry out the purposes of HMDA. Further, the Bureau is proposing to better align the requirements of Regulation C to existing industry standards where practicable. To improve the quality and timeliness of HMDA data, the Bureau is proposing to require financial institutions with large numbers of reported transactions to submit their HMDA data on a quarterly, rather than an annual, basis. To minimize costs to HMDA reporters associated with making certain data available to the public, the Bureau is proposing that reporters may direct members of the public to a publicly available web site to obtain the data. The Bureau is also proposing several changes to clarify and provide additional guidance on existing requirements of Regulation C that financial institutions and other stakeholders have identified as confusing or unclear. PRESENTER Kathy Mayes, Vice President, PBS WHO SHOULD ATTEND This webinar is designed for all HMDA reporters (depository and non-depository institutions) and those institutions that will be new reporters in 2015. Appropriate staff to attend would include loan officers (including commercial...

Good Faith Estimate vs. the “New” Loan Estimate Fee Section – Webinar

WebinarsA ninety-minute webinar that compares the Good Faith Estimate (Page 2: Settlement Costs) as to “where and how” those fees will be disclosed on the new integrated Loan Estimate. OVERVIEW Just about the time we understand the proper placement of fees on the Good Faith Estimate, the Consumer Financial Protection Bureau (CFPB) changed the rules and the forms on us. The new “Loan Estimate” combines the early TIL and the Good Faith Estimate. The rules as to “where and how” the fees are placed on the Loan Estimate have changed dramatically. This new disclosure is effective for applications received on or after August 1, 2015. While the new Loan Estimate is three pages in length, this webinar will focus on Page 2: Closing Cost Details and compare and contrast that to the Good Faith Estimate Page 2 that we use today. The presentation will go over each section of the Good Faith Estimate and show the proper placement on the new Loan Estimate. HERE IS WHAT YOU WILL LEARN A review of each section on the Good Faith Estimate and the proper placement of the fees on the Loan Estimate. PRESENTER Kathy Mayes, Vice President, PBS WHO SHOULD ATTEND This program is suitable for all personnel involved in consumer mortgage lending, including loan officers, loan processors, and mortgage brokers.  Compliance officers and auditors responsible for ensuring the financial institution is fulfilling its regulatory responsibilities will find the program valuable. FORMAT Comprehensive written materials along with an online presentation for viewing serve as the basis of the presentation. Ample time will be dedicated to taking questions from attendees. Be sure...

Credit Cards: An Overview – Webinar

WebinarsA two-hour webinar focusing on the fundamentals of credit card compliance. OVERVIEW The Credit CARD Act of 2009 had a tremendous impact on credit cards.  Implemented through a series of amendments to Regulation Z, credit card rules have continued to be revised and clarified in the past couple of years, resulting in regulations that are highly complex and detailed. This webinar will provide a basic overview of Regulation Z’s provisions relating to credit cards.  We will discuss those rules that generally apply to open-end credit, as well as those that are specific to credit cards, such as applications, card issuances, unauthoritzed use, and ability-to-repay. HERE IS WHAT YOU WILL LEARN   Advertising   How to provide applications and solicitations, and what early disclosures are required   Ability-to-repay   Account-opening disclosures   Issuance of credit cards   Liability for unauthorized use   Periodic statement, change in terms, and renewal requirements   Allocation of payments   Limitations on fees and on increasing the APR, fees, and charges   Requirements for over-the-limit transactions PRESENTER Anetria Connell, Vice President, PBS WHO SHOULD ATTEND Those personnel responsible for compliance with Regulation Z open-end credit requirements, as well as those involved in operations, management, and developing credit card (non-home secured) lines of credit will benefit from this webinar specifically designed to address these types of products. FORMAT Comprehensive written materials along with an online presentation for viewing serve as the basis of the presentation. Ample time will be dedicated to taking questions from attendees. Be sure to ask your questions during the webinar, as we are unable to offer telephone or email support after the...

Consumer Leasing – Webinar

WebinarsA ninety-minute webinar focusing on Regulation M requirements. OVERVIEW Consumer leasing is an often overlooked subject in compliance training even though certain financial institutions engage in these types of transactions. This webinar will review Regulation M, which requires certain disclosure and advertising requirements. Please note that the lease of a safe deposit box is not a consumer lease under Regulation M. HERE IS WHAT YOU WILL LEARN Who is subject to Regulation M, including the definitions of “lessor,” “personal property,” and “consumer lease” Timing and content requirements for disclosures Whether renegotiations, extensions, and assumptions require new disclosures Advertising rules Review of model forms PRESENTER Anetria Connell, Vice President, PBS WHO SHOULD ATTEND Those personnel responsible for compliance with Regulation M consumer leasing requirements, as well as those involved in operations, management, and developing consumer leases will benefit from this webinar specifically designed to address these types of products. FORMAT Comprehensive written materials along with an online presentation for viewing serve as the basis of the presentation. Ample time will be dedicated to taking questions from attendees. Be sure to ask your questions during the webinar, as we are unable to offer telephone or email support after the presentation. DATE/TIME Thursday, March 5, 2015 2:00 pm – 3:30 pm Eastern 1:00 pm – 2:30 pm Central 12:00 pm – 1:30 pm Mountain 11:00 am – 12:30 am Pacific All times listed are Standard Time. PRICE First Location $265 – Attend Webinar $365 – Attend Webinar and Purchase Recording/Materials $265 – Purchase Recording/Materials Additional Locations $135 – Attend Webinar $235 – Attend Webinar and Purchase Recording/Materials $135 – Purchase Recording/Materials Additional locations...
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