Reg CC Compliance & Review: Check Holds, etc.

Reg CC Compliance & Review: Check Holds, Remote Deposit Capture & Reg D Changes 

Tuesday, April 13, 2021
3:00 pm – 4:30 pm Eastern

Need an answer key?  Customer service questions arise every day regarding deposit regulations, check holds, cash availability, timeframes, transaction limits, and more.  Ensure you can answer these questions, including new transaction limit changes under Reg D.  The cheat sheet and hold chart provided will increase accuracy and understanding.


  • Describe check hold categories and timeframes
  • Distinguish between remotely created checks and other items
  • Differentiate between checks deposited via remote deposit capture and other deposit methods
  • Identify which checks are subject to Check 21’s specific requirements
  • Understand Reg D’s new changes to transaction limitations 


Institutions are under pressure to make deposited funds available as soon as possible.  But what about when there is a legitimate need to delay funds availability to protect the institution or depositor?  Do you know the check hold rules?  What about Check 21 compliance?  This webinar will provide the tools necessary to understand and explain your institution’s rights and responsibilities regarding deposits and availability requirements.  Brush up on these important legal requirements and implementing regulations and keep your institution out of hot water with regulators and consumer groups.


This informative session is designed for frontline staff, call center employees, check handling personnel, compliance staff, and auditors.


  • Check hold chart
  • Check 21 cheat sheet
  • RDC liability flowchart
  • Employee training log
  • Interactive quiz


Mary-Lou Heighes, Compliance Plus, Inc.

Mary-Lou Heighes is President and founder of Compliance Plus, Inc., which has assisted financial institutions with the development of compliance programs since 2000.  She provides compliance training for trade associations and financial institutions.  Mary-Lou has been an instructor at regulatory compliance schools, conducts dozens of webinars, and speaks at numerous conferences throughout the country. 

Involved with financial institutions since 1989, Mary-Lou has over 25 years’ compliance experience.  Before starting Compliance Plus in 2000, she spent five years working as a loan officer, marketer, and collector. She also worked at a state trade association for seven years providing compliance assistance and advising on state and federal legislative issues that affect financial institutions.

Attendance verification for CE credits provided upon request.

Webinar Sponsored by Financial Education & Development

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

Registration Options (Member/Non-Member Pricing)
Live Webinar ($345/$490) – The live webinar option allows you to have one internet connection from a single computer terminal. You may have as many people as you like listen and watch from your office computer. Registrants receive a website address and passcode that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, passcode, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at

Recorded Webinar + Free Digital Download ($265/$400)– Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 6 business days after the webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

Additional Live Webinar Connections ($175/$260)  – Registering another banker from a different location

Both Live Webinar & Recorded webinar + Free Digital Download ($395/$600)– Includes Live Webinar and Recorded Webinar options above.


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