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Today is: September 27, 2021  
 

 

Upcoming BCG Seminars

BCG's monthly Seminars are one of the most popular features of BCG membership. Each member is allowed to register up to 20 people to attend a monthly Seminar, including a new option to register for our BCG Seminar Recording Playback location. BCG Seminars collectively cover a myriad of topics, including Electronic Banking, Compliance Management, Financial Privacy, Information Security, Commercial Real Estate Lending and many more. In addition, each member institution receives via email a link to a downloadable PDF of the comprehensive Standard Procedures “E-Manual” published each month in connection with the BCG Seminar.  

And don’t forget, non-members can attend monthly Seminars too. Each non-member attendee receives one copy of the Standard Procedures Manual produced for that particular seminar, which will be mailed to the attendee by the end of the Seminar month.   

Listed below are the next two BCG Monthly Seminars held in California. Please click on a title below to view a brief description of each Seminar. Additional Seminars will be posted as their respective dates approach. To view past Seminar schedules and descriptions, click here or contact us if you have any questions or require further information.  Download the 2021 BCG Seminar Schedule Here!

 

 

Construction Lending Seminar
September 2021

As the threat of the pandemic begins to recede, the economy is seeing renewed growth including an increase in construction and development activities. As a result, construction lenders must carefully underwrite and structure construction loans in ways that meet their clients’ needs while at the same time minimize the potential for losses. Construction lenders must also understand and appreciate the importance of due diligence, appropriate structuring of construction loans, sound credit administration practices, and resolving disputes with the key players in construction projects as quickly and as smoothly as possible.

With this in mind, Aldrich & Bonnefin is pleased to invite you, your lending professionals, your note department personnel, compliance professionals and your audit and loan review staff to our Construction Lending Seminar. This Seminar will focus on various due diligence and structuring issues, fund control procedures, financing owner occupied single-family construction projects, and managing mechanic lien risks.

 

 

 
 
 
 
 
 

 

 

 

 

New Accounts Documentation & Compliance
October 2021

Aldrich & Bonnefin invites you and your operations and compliance staffs to attend a Seminar covering New Accounts Documentation and Compliance. Having proper new account policies and procedures can help financial institutions prevent or at least reduce the risk of fraud and other losses, as well as compliance violations.

This Seminar will discuss the documents that institutions will want to review during the account opening process for individuals, businesses (such as corporations, partnerships and LLCs) and court-appointed fiduciaries (for example, decedent estates, conservatorships and guardianships). There will also be a detailed discussion covering the opening and maintenance of accounts for family trusts.

We will include an overview of best practices for opening accounts for non-resident alien depositors, including a review of IRS Forms W-8.

We will also examine recent litigation that has impacted some deposit agreement disclosures, including provisions that address an institution’s overdraft practices.

 

 

 
 
 
 
 
 

 

 

 


Truth in Lending Act & Regulation Z
November 2021

Recently, there have been quite a bit of new Truth in Lending Act (TILA)/Regulation Z developments – the CFPB’s supervisory focus, changes to the Ability-to-repay (ATR) rule, changes to Regulation Z’s dollar thresholds, implementation of the Regulatory Relief Act, and proposed rule and guidance on transitioning from LIBOR. In this Seminar, we will straighten out this TILA/Regulation Z roller-coaster and get you up-to-date on all of these new developments.

With the lending market being ultracompetitive, it is no surprise that creditors are aggressively marketing their credit products. If an advertisement includes what Regulation Z considers to be a “triggering” term, then the creditor must clutter that otherwise beautiful ad with certain disclosures, all of which will we will discuss during this Seminar!

In the unfortunate event that a TILA violation does occur, that violation may expose the creditor to liability under TILA. During this Seminar, we will also discuss TILA liability, defenses and corrective action, which allows creditors to cure all liability for TILA violations. 

 

Of course, we will do a deep dive into the trickiest part of TILA/Regulation Z – coverage!

 

 
 
 
 
 
 

 

 

 

 

 

 

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