Regulation O: Loans to Insiders – ON-DEMAND WEBINARS


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SKU: SWRGO Category:

Date Recorded: March 5, 2021

Presenter: Anetria Cohen, Vice President and Senior Consultant, FORVIS

In addition to assisting the financial institution itself, directors, executive officers, and principal shareholders often bring their own business to an institution. Regulation O, which is designed to limit preferential loans to insiders – restricts these insider loans by controlling the amount and type of credit that may be extended, and includes reporting and recordkeeping requirements. It is imperative that institutions understand Regulation O’s rules as civil money penalties may be assessed against insiders or the bank for violations, and those penalties can be substantial.

Although Regulation O is a Federal Reserve rule, those institutions regulated by the OCC and the FDIC are generally subject to its provisions as well, though we will discuss some differences. We will also review NCUA’s own set of rules, which are separate and distinct from Regulation O.

Regulation O is complex and detailed. This webinar will provide an in-depth review, including the following:

  • Who is a director, executive officer, and principal shareholder, and what does affiliate and related interest mean?
  • What does an extension of credit include?
  • Which restrictions apply to all insiders and which apply only to executive officers?
  • How much can be loaned to an insider?
  • What is the procedure required to approve a loan to an insider?
Who Should Listen

Insiders, loan officers, compliance officers, auditors and anyone else involved in the lending areas.

Program Level: Basic

Prerequisite/Advanced Preparation: Basic Knowledge of Lending Regulations

Field of Study: Specialized Knowledge

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