Advertising Compliance (November 21, 2024)

CLASS MATERIALS ARE STILL BEING EDITED, BUT WILL BE POSTED PRIOR TO CLASS.  PLEASE CHECK BACK

Main Documents 

• Outline (formatted for online notes)
• Slides
• Session Recording (will be posted after class)

Helpful Links

• NCUA 10-FCU-03: Sales of Nondeposit Investments

 

 

The Mini: One-Day Bank Secrecy Act Conference

Zoom Recordings (Note: the FBI asked us not to record their session)

• Utah Department of Health and Human Services, Department of Aging and Adult Services
• Salt Lake Division, Internal Revenue Service, Criminial Investigation
• BSA Case Study with Cyprus Credit Union and Rountable Discussion

 

Elder Abuse

• FinCEN April 2024 Financial Trend Analysis: Elder Financial Exploitation

 

Beneficial Ownership Reporting Rule

• FinCEN Notice to Customers

 

Beneficial Ownership Access Rule

• FinCEN Fact Sheet: Beneficial Ownership Information Access and Safeguards Final Rule
• Interagency Statement for Banks on the Issuance of the  Beneficial Ownership Information Access Rule

 

CTF

• ACU Compliance Blog: CFT is the New BSA: Recent Developments

 

 

Mortgage Loan Compliance (August 22, 2024)

Unanswered Questions From Class: Mortgage Lending Q&A

Fair Lending

• Recording
• Main Handout/Slides
• Mortgage Disclosures Cheat Sheet
• ECOA: Application Workflow
• ECOA: Notice of Incompleteness
• EHL Poster: Federal Charters
• EHL Poster: State Charters
• HMDA: 1003 demographic page
• HMDA: Demographic phone script

Fair Credit Reporting

• Recording 
• Main handout/slides

Flood Insurance

• Recording 
• Main handout/slides
• Flood Insurance Coverage Worksheet for Residential Properties

SAFE Act

• Recording 
• Main handout/slides

Reg Z

• Recording
• Main handout/slides
• HCM & QM Points and Fees Caps
• LE and CD Discussion

Appraisals

• Recording:  Sorry! The recording didn't make it for this one.
• Main handout/slides
• Interagency Appraisal and Evaluation Guidelines

RESPA

• Recording
• Main handout/slides
• Escrow Analysis Tool
• CFPB RESPA FAQs

ESIGN

• Recording: We didn't get to this one during class.  Leaving the slides up
• Main handout/slides

 

 

 

Card Disputes (May 16, 2024)

Main Documents

• Outline
• Slides
• Session Recordings

Sample Reg E Dispute Letters (May prompt download of .doc files)

• Deny with no provisional credit
• Deny and revoke provisional credit
• Approve
• Grant Provisional Credit

 

Reg CC, Twice (April 11, 2024)

Slides

• Slides: Compliance Officers (formatted for electronic note taking)
• Slides: Frontline

Session Recordings (Will be posted after class)

• Session Recording (Compliance Officers)

• Session Recording (Frontline)

Handouts

• Reg CC Reference Guide (may prompt download of .doc file)
• Sample Hold Notice (may prompt download of .doc file)

 

 

 

Privacy and Information Security (March 21, 2024)

Main Documents

• Presentation/Slides (formatted for note taking)

• Session Recording 

Handouts

• Model Privacy Notice, Fill-in Form
• Identitytheft.gov
• Information Security Training Power Point

 

 

Identity Theft Red Flags (February 22, 2024)

Main Documents

• Presentation/Slides (formatted for note taking)

• Session Recording 

Handouts

• NCUA Identity Theft Red Flags Examination Procedures AIRES Questionnaire 
• FinCEN Financial Trends Analysis - Identity-Related Suspicious Activity: 2021 Threats and Trends/January 2024