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Upcoming BCG Webinars
BCG Webinars are an optional resource offered once a month via the internet. Topics include Levies and Executions, New Accounts Documentation, Flood Insurance Regulations, and Doing Business with Family Trusts. Additional Webinars will be posted below as their respective dates approach. To view webinars that are available online, click here or contact us if you have additional questions.
Upcoming BCG Webinars
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The number of people creating family trusts is increasing largely due to attempts to avoid the time, cost, and complications associated with going through probate. As a result, financial institutions face more and more questions on how to deal with trusts and trustees.
To make matters more difficult, the trusts themselves are becoming increasingly more complicated, especially when the death of a trustor triggers a split of the trust into multiple trusts.
Join us for this Webinar as we discuss trusts in detail and address issues associated with providing financial services to trusts in both the lending and new accounts contexts.
As with all of our Webinars, registrants will be able to download a detailed discussion outline to refer to during the program.
Thursday, August 27, 2026
10:00 - 12:00 p.m. PT
According to reports, home equity withdrawals are up while HELOC rates are down. As HELOC activity picks up, so does a bank’s risk and compliance questions. Aldrich & Bonnefin, PLC is pleased to invite you to a Webinar on Home Equity Lines of Credit and the compliance requirements under the Truth in Lending Act and Regulation Z.
As most bankers know, HELOCs are compliance intensive. With special disclosures at the application stage and extra required disclosures in the account agreement, through tough restrictions on freezing or terminating HELOCs or changing any of the terms, offering home equity lines requires a detailed knowledge of the applicable rules. Periodic billing statements are also presenting issues for some lenders. Additionally, the regulators’ “end of draw” guidance has created issues.
This Webinar takes a step-by-step approach, beginning with the early application disclosures, then addressing the special equity line disclosures that must be included at account opening, and ending with the restrictions on changing terms and freezing or terminating these credit lines. We will also touch on the right of rescission and periodic statements and finally how to “term out” an equity line. Plenty of examples and time for questions will be provided.both outgoing and incoming wire transfers.
Wednesday, September 16, 2026
10:00 - 12:00 p.m. PT
Information security issues continue to be a high priority for financial institutions and their regulators. As technology continues to advance at a rapid pace the risk of cybersecurity threats has continued to increase and security breaches have unfortunately become common and alarming as banks have shifted towards a more digital banking environment. The question is no longer “if” your institution will suffer a breach but “when.”
Data breaches can be extremely costly and expose a financial institution to regulatory criticism, civil liability, and reputational risk. Bank regulators have long understood the inevitability of security breaches. While preventive efforts remain crucial, the real focus of examiners seems to be on the response. However, when a breach does occur, financial institutions must navigate a maze of federal and state breach notification laws to determine their response obligations.
For this reason, this Webinar will delve into the laws and regulations concerning information security breaches, including the specific requirements for financial institutions in responding to a breach. Please join us for an in-depth discussion of cybersecurity incident and response obligations for financial institutions.
Thursday, September 24, 2026
10:00 - 11:30 a.m. PT
State and federal laws require financial institutions to apply automatic exemptions when served with a levy or garnishment against a depositor. This imposes an obligation on the institution to leave a certain amount on deposit in accounts of a depositor without requiring the depositor to take any action.
Historically, these automatic exemptions were limited to situations where a depositor’s account received direct (electronic) deposits of certain state and federal benefit payments. The available automatic exemptions have expanded over the years to include other exemptions for set amounts, such as a child support order with a $3,500 exemption and California’s SB 616 exemption, which is applicable to all natural persons who maintain an account with a financial institution.
This is a very confusing and complicated area of law, especially since some automatic exempt amounts are required to be “stacked” with other exemptions while others require institutions to only apply the exemption that is for the higher amount.
This program will help guide financial institutions in applying the different exemptions, whether served with a government or private party levy or other type of garnishment.
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