2017 Fall Compliance School

We will take you from B to Z and all the lending regulations in between.

2017 CBAO Fall Compliance School

When: September 28 - 29, 2017
Where: Citizens National Bank, Bluffton Town Hall Community Room
154 N. Main Street, 3rd Floor, Bluffton, OH
Registration for both days is $595 for CBAO members and $295 for one day  

Register Now

Ask and you shall receive. Two days of LENDING COMPLIANCE are coming your way in 2017!

We will take you from B to Z and all the lending regulations in between. We will cover the fundamentals of each regulation in detail to refresh the basics, and take a deeper dive into the newer and more complex lending regulations. You will walk away with a comprehensive understanding of your requirements, tips on how to efficiently and effectively comply with those requirements and tools to help you do just that. The reference guide and workbook you receive during the course of the school will be your go-to resource!

DAY 1 | Thursday, September 28, 2017 | Depository Compliance, BSA & Red Flags 

  • Regulation CC, Expedited Funds Availability Act 
  • Regulation D, Transaction Limitation & NOW Account Eligibility 
  • Regulation DD, Truth-in-Savings Act 
  • Regulation E, Electronic Funds Transfer Act 
  • Regulation GG, Prohibition on Unlawful Internet Gambling Enforcement Act 
  • Regulation P, Privacy of Consumer Financial Information 
  • Adverse Actions for Deposit Accounts 
  • Safe Deposit Box Opening, Administration & Monitoring 
  • Bank Secrecy Act & Anti-Money Laundering Requirements 
  • USA PATRIOT Act:  Identifying your customers, employing sound customer due diligence and determining when and how information may be shared 
  • Office of Foreign Assets Control (OFAC) Compliance 
  • Red Flags Requirements 

DAY 2 | Friday, September 29, 2017 | Lending Compliance 

  • Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E.) Act 
  • Unfair, Deceptive or Abusive Acts or Practices  (UDAAP)
  • Fair Lending Principles 
  • Military Protections 
  • Fair Credit Reporting Act (FCRA)
  • Lending Exemptions 
  • Government Monitoring Collection 
  • Home Mortgage Disclose Act (HMDA):  One Quarter Out from Implementation 
  • Early Disclosure Requirements 
  • Calculating the Ability-to-Repay 
  • Closing Disclosure Requirements 
  • Flood Compliance 
  • Transactions Not Originated 

Learning Objectives: Refresh your knowledge or learn everything from the ground up! In two, action-packed days, we will explore depository compliance, BSA/AML, Red Flags and lending compliance requirements.  Whether you come for one or both days, you will walk away re-energized and prepared to tackle your biggest compliance challenges. You will network with your peers and have unlimited access to industry experts. You will go home with a comprehensive compliance toolkit to help strengthen and refine your compliance function.   
Specific Learning Objectives: 

  • Understand depository compliance and possible UDAAP implications  
  • Get a sense for how the FCRA can actually impact adverse actions on deposit accounts 
  • Learn how safe deposit boxes can be used to facilitate crime and how the safe deposit box area should be administered to ensure compliance  
  • Refresh your Back Secrecy Act (BSA) knowledge and learn about emerging issues and risks 
  • Understand lending compliance from the time of inquiry to closing to the postclosing events that give you heartburn 
  • Learn where deficiencies have been cited in TILA / RESPA Integrated Disclosure Rule (TRID) reviews and examinations – and how to avoid them 
  • Delve into flood to understand your requirements, the changes issued in the last few supervisory cycles and those to come 
  • Learn how to accurately calculate the minimum amount of flood insurance required under complex scenarios 
  • Get into step one quarter our from HMDA implementation 


  • Comprehensive, content-rich slide decks for every topic in hard copy and electronic format to take back for reference and to use for your own internal training 
  • Sample policies and checklists 
  • Internal monitoring checklists, worksheets and other tools to strengthen or enhance your compliance monitoring processes 
  • TRID Case Book 
  • Sample flood scenarios and corresponding insurance calculation worksheets 


Who Should Attend:

Refresh and refuel: Whether you are new to compliance or a seasoned veteran, you will find that this school will bolster your understanding of compliance requirements, bring you up to speed on regulatory expectations and breathe new life into your function to refocus your efforts and your enthusiasm - especially as we gear up for HMDA and Beneficial Ownership in 2018! This school is ideal for Compliance Officers, Assistant Compliance Officers and those dedicated to ensuring compliance with depository and lending regulations.    

Meet the Lending Compliance School facilitators

If you are having issues with registering online, please contact CBAO's Education & Training Coordinator, Lianne Simeone , (614) 610-1877.

Register Now