BCG On-Demand Webinars
Each month, Bankers’ Compliance Group® offers BCG Members and Non-members educational Webinars featuring topics of up-to-the minute relevance. These Webinars are generally 1.5 to 2.0 hours in length and have a more narrow focus than our all-day BCG Seminars.
If you have missed a recent Webinar, we invite you to watch the Webinar as an On-Demand Event.
See available BCG Webinar topics listed below.
If your company has previously registered for a BCG Event and has a username and password, select the “Returning Attendee Registration” button below. This link will require your institution's username and password. If you have difficulties with the login process, please email us at info@bankerscompliancegroup.com or call 949-553-0909.
If your company is registering for the first time or does not know its username and password for online registration, please select the “New Attendee Registration” button below.
BCG On-Demand Webinar Topics
California Unclaimed Property Law
California’s Unclaimed Property Law requires financial institutions to follow a two-step reporting process for unclaimed property. The Holder Notice Report is due annually by November 1st and includes a complete listing of a holder’s unclaimed property that is currently reportable. The property will not be remitted until the separate Holder Remit Report is filed the following year in June. We will discuss practice tips and reminders from the California State Controller’s Office to ensure your reports are approved and to avoid future interest assessments. The presentation will also outline the timelines for the escheat of deposit accounts, safe deposit box contents and financial institution-issued instruments. We also will address the legal notices required to be provided to customers at account opening and again prior to the reporting process.
(Originally presented on January 9, 2025)
(1.5 hours) BCG Members/$295 BCG Non-members/$375
On December 16, 2025, Aldrich & Bonnefin is presenting a Webinar to highlight the regulatory changes that may have an impact on financial institutions and require action in 2026. This presentation will include a high-level review of developing areas of the financial services industry (including laws, regulations, and products) that are expected to undergo changes next year. These areas include consumer and mortgage lending, banking operations, corporate governance and commercial lending.
(Originally presented on December 16, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
Death of a Depositor
Aldrich & Bonnefin, PLC is pleased to invite you and your operations and compliance personnel to attend a Webinar addressing the procedures for financial institutions to follow upon receiving notice of the death of a customer.
This Webinar is designed as a guide for your personnel to use in releasing property and funds the financial institution is holding that belong to a customer at the time of the customer’s death. For example, we will address the procedures an institution’s personnel should follow with respect to an account or safe deposit box when a customer is reported deceased. The procedures to follow will differ depending on the account structure and the manner of ownership of each particular account.
(Originally presented on May 15, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
Dealing with Powers of Attorney
There are a number of laws governing powers of attorney which can make determining whether to accept any given power of attorney difficult. One of the main concerns is the extent of the rights of financial institutions when it comes to relying on a power of attorney.
During this Webinar we will discuss the scope of an attorney-in-fact’s authority to act as well as the protections afforded a financial institution when accepting a power of attorney. We will even address whether an institution can accept a copy of a power of attorney if the original is not available. Also, what if there are concerns over whether the principal is incapacitated, yet the power of attorney is not durable? How is the principal’s incapacitation even determined?
Join us at this Webinar as we consider these topics as well as other common questions, all in an attempt to help financial institutions make informed business decisions when presented with powers of attorney.
(Originally presented on June 16, 2025)
(2.0 hours) BCG Members/$295 BCG Non-members/$375
Digital Banking: Online Account Opening
In the age of digital banking, customers often now expect financial institutions to make their services available through online or mobile channels without having to visit a branch in-person. As a result of increasing customer demand, more and more financial institutions are seeking secure methods to enable customers to open deposit accounts through various digital channels.
While the prospect of remote account opening can be very beneficial, it also comes with various risks that institutions need to be prepared to address. Due to the complexities of digital signature technology, it is imperative that financial institutions understand laws applicable to electronic signatures (such as the E-SIGN Act) thoroughly and engage in careful planning before deploying online account opening services. Institutions also need to consider how to implement a customer identification and verification process when allowing customers to open accounts remotely.
Join us at this Webinar as we discuss the need to implement a process to enable customers to open deposit accounts remotely while at the same time ensuring that the electronic communications, contracts and electronic signatures are legally binding and enforceable. We will cover various legal requirements, including the E-SIGN Act, the California Uniform Electronic Transactions Act, known as Cal ETA, and the MOBILE Act.
(Originally presented on April 29, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
Documenting New Deposit Accounts
It is important from a compliance and legal risk perspective to properly document your deposit customers and to understand who is authorized to act on their behalf. Customer Identification Program (CIP) and Beneficial Ownership Certification requirements under the Bank Secrecy Act impose specific regulatory requirements for identifying and documenting new deposit customers. IRS information reporting for interest bearing accounts also triggers the need for W-9 or W-8 certifications. We will discuss account documentation in a way that will help you understand the institution’s regulatory requirements and better position the institution from a risk perspective. This Webinar will be a helpful learning experience for both seasoned and less-experienced new accounts personnel.
(Originally presented on November 25, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
Documenting Your Borrowers
With all the different types of business entities, lenders have challenges in properly identifying their borrowers and understanding their legal structures. Customer Identification Program (CIP) requirements and the Beneficial Ownership Rule impose specific regulatory requirements for identifying borrowers. Failure to properly identify a borrower may not only impair the lender’s security interest and put the collectability of the entire loan at risk due to UCC Article 9’s requirements, but could also result in a compliance violation.
This Webinar will address these issues in a “workshop” format, providing checklists for the types of documents that can be obtained from various types of business entities.
(Originally presented on June 24, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
Financial Elder Abuse: Recent Updates and Reporting Obligations
Instances of elder financial abuse and exploitation continue to be an issue for financial institutions. Fraudsters are constantly changing their tactics and consistently finding ways to defraud older adults. Many believe financial institutions are uniquely positioned to detect this type of fraud and to take appropriate action to prevent the exploitation of elderly customers. For example, five federal financial regulatory agencies, the Financial Crimes Enforcement Network, and state financial regulators recently issued a statement to provide supervised institutions guidance on risk management and other practices to help identify, prevent, and respond to elder financial exploitation. California also imposes a mandatory legal obligation on financial institutions to report known or suspected instances of elder financial abuse. However, there are certain legal restrictions that limit what financial institutions can do to prevent financial elder abuse.
Thus, it is important for financial institutions to understand what their obligations are when they suspect a customer may be a victim of financial elder abuse or exploitation. During this Webinar, we will examine the obligations imposed on financial institutions to report financial abuse, including compliance with the California Financial Elder Abuse Reporting (FEAR) Act, as well as various guidance that highlights behavioral and financial red flags to aid financial institutions with identifying, preventing, and reporting suspected elder financial exploitation.
Join us for this Webinar as we consider these topics as well as other common questions regarding financial elder abuse.
(Originally presented on February 19, 2025)
(2.0 hours) BCG Members/$295 BCG Non-members/$375
Flood Insurance Regulations: Deep Dive into the Basics
What lenders most commonly trip on (and examiners impose civil money penalties for) are the flood insurance regulations basics. During this two-hour Webinar, we will do a deep dive into those basics, discuss the timely issue of what exactly lenders should do during an NFIP lapse, as well as discuss the most-pressing issues in connection with the mandatory purchase requirements (including contents coverage), force placement, and escrow requirements. It’ll be a Webinar that mortgage and commercial real estate lenders shouldn’t miss!
(Originally presented on November 20, 2025)
(1.5 hours) BCG Members/$335 BCG Non-members/$415
Handling Levies and Executions
Attempting to determine whether a debtor listed in a levy maches an institution’s customer as identified by the institution’s records can prove to be quite challenging, even to the very experienced. It does not help that the form of levy will be different depending on whether being served by a sheriff, registered process server or one of the various government agencies.
There is also significant risk of liability in making the wrong decision, either to the customer for wrongfully debiting an account or the levying creditor for failing to turn over the funds.
This Webinar will discuss the necessary steps in processing the different types of levies that are often served on financial institutions. We will also review the various forms and discuss examples to help you better understand how best to deal with any given levy.
(Originally presented on March 19, 2025)
(1.5 hours) BCG Members/$335 BCG Non-members/$415
Handling Subpoenas
The rules for responding to subpoenas and other government requests for information vary significantly, thereby making it difficult to determine whether a financial institution should comply with a particular legal process. Many of the difficulties in properly producing the documents and records requested can also be attributed to overly broad or vague requests. For obvious reasons this can lead to confusion and claims against a financial institution for failing to respond properly.
This Webinar will focus on dealing with subpoenas served by private parties as well as those served by state and federal government agencies. Our discussion will include a detailed review of some of the more common legal process forms, with an emphasis on those areas of the forms financial institutions should pay particular attention to as well as the specific terminology used in describing the requested records.
(Originally presented on September 18, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
IRS Information Reporting
Aldrich & Bonnefin, PLC is pleased to invite you and your operations personnel to attend our BCG Webinar on IRS Information Reporting.
The One Big Beautiful Bill Act included a new Information Reporting obligation applicable to qualified passenger vehicle loan interest. We will cover this new reporting and also highlight dollar threshold changes impacting 1099-MISC and NEC.
Our discussion will give institutions a general understanding of the IRS information reporting process. We will also address how and when to report promotional giveaways and prizes.
We will analyze IRS information reporting requirements applicable to: deposit interest (1099-INT); deposit interest paid to certain non-resident alien depositors (1042-S); miscellaneous income (1099-MISC); original issue discount (1099-OID); mortgage interest (1098); discharged debt (1099-C); abandoned property (1099-A); FATCA Report (8966); and non-employee compensation (1099-NEC).
(Originally presented on October 22, 2025)
(1.5 hours) BCG Members/$335 BCG Non-members/$415
The recent uncertainty in international commerce given the increase in tariffs puts a renewed focus back on standby and commercial letters of credit, including issuing and negotiating letters of credit, and the examination of documents. Aldrich & Bonnefin, PLC* is pleased to invite you to attend our Letters of Credit Revisited Webinar. During this Webinar, we will start with a discussion of regulatory issues impacting letters of credit, including legal lending limits, letters of credit involving affiliates, and BSA and OFAC due diligence requirements. We’ll then cover the fundamentals of letters of credit and the applicable rules, followed by a more focused discussion of selected documentation examination issues.
(Originally presented on September 25, 2025)
(1.5 hours) BCG Members/$335 BCG Non-members/$415
Lenders frequently structure commercial loans to include guaranties by third parties with a personal or financial interest in the borrower. Yet, lenders are often unaware of the emerging complexity of the law concerning guaranties and third party pledges. Since the financial crisis of 2008, lenders have encountered strong opposition to their efforts to collect on guaranties. Guarantors have challenged the enforceability of guaranties under a number of theories, the most popular being the sham guaranty argument. To minimize the effect of these challenges, it is important that lenders have a clear and comprehensive understanding of the functions and elements of a guaranty, as well as the potential defenses to enforcement of a guaranty, all of which are essential to the proper negotiation of guaranty obligations.
Join us for this informative Webinar as we discuss the use of guaranties in the lending world. This Webinar will include a discussion on the various types and uses of a guaranty and the elements of a guaranty, with a focus on the importance of guarantor waivers and ways of avoiding sham guaranty challenges.
(Originally presented on July 30, 2025)
(1.5 hours) BCG Members/$295 BCG Non-members/$375
This comprehensive Webinar will cover various forms of deposit promotions, including lotteries and sweepstakes, and their compliance considerations.
California makes it easier for financial institutions to offer lottery promotions in connection with savings accounts. We will discuss lotteries, both legal and illegal. The presentation will also address pressing questions related to other kinds of promotions. When is an account really “free” and what are the risks associated with these types of promotions? We will take a closer look at the “lessons learned” by other institutions. Privacy and other considerations impacting “refer a friend” promotions will be addressed. The creative and ever-changing programs used to entice CD deposits will be explored as well.
We will also review the regulatory compliance expectations, including Regulation DD advertising disclosure requirements and IRS information reporting.
(Originally presented on February 27, 2025)
(1.5 hours) BCG Members/$335 BCG Non-members/$415
Marketing Minefields: Identifying and Reducing Financial Institutions’ Advertising Risks
Financial institutions face heightened regulatory scrutiny and litigation risk regarding their marketing and advertising practices. In addition to ensuring compliance with any applicable laws or regulations, institutions must also consider UDAP/UDAAP risks. Join us for a two-hour Webinar which will cover a number of rules governing institutions' marketing and advertising practices, as well as recent developments that may impact disclosures contained in marketing materials. The Webinar will also provide numerous compliance practice tips, including the importance of ensuring advertised terms match actual product features, fees, and back-end practices. Because ad risk remains high, this Webinar is not one to miss.
(Originally presented on October 16, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
Notices of adverse action remain a constant thorn in the side of lenders and their compliance managers. Issues arise as to the required timing of adverse action notices as well as the required contents. Complicating matters, most adverse action notices need to fulfill the requirements of two separate but related laws, ECOA/Regulation B and the Fair Credit Reporting Act (FCRA). Finally, regulators tend to treat adverse action notices as the critical leading edge of an institution’s overall ECOA and fair lending compliance program. In short, adverse action notices receive (and merit) a lot of attention.
In this fast-paced Webinar, we will discuss the required timing and contents of adverse action notices under Regulation B and the FCRA. The main focus will be on applications for credit, both consumer and business, although we will discuss non-credit adverse action notices as well.
(Originally presented on April 22, 2025)
(1.5 hours) BCG Members/$295 BCG Non-members/$375
Notices of adverse action remain a constant thorn in the side of lenders and their compliance managers. Issues arise as to the required timing of adverse action notices as well as the required contents. Complicating matters, most adverse action notices need to fulfill the requirements of two separate but related laws, ECOA/Regulation B and the Fair Credit Reporting Act (FCRA). Finally, regulators tend to treat adverse action notices as the critical leading edge of an institution’s overall ECOA and fair lending compliance program. In short, adverse action notices receive (and merit) a lot of attention.
In this fast-paced Webinar, we will discuss the required timing and contents of adverse action notices under Regulation B and the FCRA. The main focus will be on applications for credit, both consumer and business, although we will discuss non-credit adverse action notices as well.
(Originally presented on August 28, 2025)
(1.5 hours) BCG Members/$335 BCG Non-members/$415
Records management involves much more than setting retention periods for specific records. A proper records management program not only facilitates efficient banking operations, but serves as a powerful legal risk management tool. For example, when faced with examinations, lawsuits, investigations or other circumstances where producing accurate and timely information is crucial, a good records management program will minimize the risk of legal liability and sanctions. Thus, financial institutions need to adopt a comprehensive records management policy appropriate to the size and nature of the institution.
A records management policy that will be appropriate for an institution is driven by a number of important considerations, such as business necessity, the need to enforce contracts, evidentiary concerns, the threat of legal sanctions, and cost management considerations. Due to the complex issues involved, preparing an appropriate records management policy can be overwhelming. This Webinar will provide an overview of the foundational issues institutions should consider when preparing a records management policy. Participants will receive a schedule of legal retention requirements for corporate, lending, and deposit related records.
(Originally presented on March 25, 2025)
(2.0 hours) BCG Members/$295 BCG Non-members/$375
Under rules that became effective in 2014, all “loan originators” of consumer-purpose, dwelling-secured, closed-end loans must receive training on state and federal laws applicable to their job duties. This requirement appears as part of the loan originator qualification requirements in Regulation Z Section 1026.36(f). It applies to all residential mortgage loan originators, both employees and third-party mortgage brokers. The training requirements apply to a loan originator regardless of whether he or she meets the definition of a “mortgage loan originator” under the SAFE Act. Under Regulation Z, the term “loan originator” is defined broadly and includes any employee who takes an application for a residential mortgage or offers, arranges, or assists a consumer in obtaining or applying for a dwelling-secured, closed-end loan. The rule is limited to closedend mortgages; home equity lines of credit are not covered.
This two-hour Webinar will provide training that is relevant to all loan originators and will help fulfill their training requirements under Regulation Z. Under Regulation Z, training must cover both federal and state law that apply to the LO’s job responsibilities and, as such, this Webinar will cover both federal and state law.
(Originally presented on July 23, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
Financial institutions utilize third party service providers to support a range of activities and operations. The services and/or technology offered by third party service providers has become integral to the everyday operations of many financial institutions. The financial banking regulators have also emphasized need for institutions to manage the risks associated with these third party relationships. In some cases, the failure to adequately manage these relationships have resulted in significant regulatory penalties, legal risks, and reputational damage. Thus, it is critical for financial institutions to establish a robust third party risk management program.
Join us as we discuss the federal regulators’ expectations regarding your institution’s third party risk management program, including the need for your board’s involvement, critical risk assessments, vendor selection, negotiating vendor agreements, and your ongoing monitoring obligations.
We will also discuss impacts of the ever-expanding use of fintech partnerships and new technologies (such as artificial intelligence).
As part of the Webinar we will also include a discussion of due diligence and contract negotiation checklists incorporating the various considerations that should be a part of your third party risk management program.
(Originally presented on August 26, 2025)
(2.0 hours) BCG Members/$335 BCG Non-members/$415
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