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Today is: February 18, 2020  

Did You Miss a BCG Webinar?
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Each month, Bankers’ Compliance Group® offers BCG Members and Non-members educational Webinars featuring topics of up-to-the minute relevance. These Webinars are 1.5 to 2.0 hours in length and have a more narrow focus than the all-day BCG Seminars. 

If you have missed a recent Webinar (see the topics listed below), we invite you to order a CD by clicking on the gray button below. The CD includes the discussion outline referred to during the Webinar.

Compliance Roundup: A Look at 2020
On December 11, 2019, Aldrich & Bonnefin is presenting a Webinar to highlight the regulatory changes that will have an impact on financial institutions and require action in 2020. 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.
(Originally presented on December 11, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

TRID Update
Although the CFPB did not issue any new TRID rules in 2019, it certainly issued a plethora of TRID frequently asked questions (FAQs). This Webinar will dive into these FAQs. Since these FAQs seem to touch on almost every basic TRID rule, this Webinar will do the same, as well as discuss TRID 2.0 implementation challenges.
(Originally presented on November 19, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

Handling Levies and Executions
Attempting to determine whether a levy or other garnishment will reach a customer’s account can be extremely challenging, even to the very experienced. This is further complicated by the fact that the form of levy will be different depending on whether the levy is served by a sheriff or one of the various government agencies. This Webinar will discuss the fundamentals of processing a levy and important principles for determining whether a particular type of account is subject to a levy. 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 November 21, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

Notices of Adverse Action: When to Send Them & What to Say
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. We discuss the required timing and contents of adverse action notices under Regulation B and the FCRA. The main focus is on applications for credit, both consumer and business, although we will briefly discuss non-credit adverse action notices as well.
(Originally presented on September 24, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

Handling Subpoenas for Customer Records
The rules for responding to subpoenas and other government requests for information vary significantly, which can lead to confusion and a failure to respond properly. It can be equally difficult to determine whether a financial institution should comply with a particular legal process at all thereby making it extremely challenging to protect a customer’s financial privacy. This Webinar focuses on dealing with subpoenas served by private parties as well as those served by state and federal government agencies. Our discussion includes a detailed review of some common legal process forms, with an emphasis on those areas of the forms to which financial institutions should pay particular attention.
(Originally presented on September 19, 2019.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

ATM/Debit Card and ACH Unauthorized Claims Processes
This webinar addresses the claims process for handling unauthorized transactions claims at it is impacted by Regulation E, Visa and MasterCard rules, the National Automated Clearing House Association (NACHA) Operating Rules and California law. Some of the questions we address include: What are the rights of financial institutions when it comes to denying these types of claims and does it make a difference whether a claim comes from a consumer or a commercial customer? How does a customer’s negligence in handling the card and PIN impact the claims process? What are the documents an institution can request, and how long does an institution have to complete its investigation? We also look at sample forms used in the claims handling process.
(Originally presented on August 29, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

Loan Participations Update
Interest in the purchase and sale of participations in commercial loans (and also the purchase of whole commercial loans) has increased over the last several years. Smaller institutions see these purchases as a way of growing their commercial loan portfolios, while larger institutions see the sale of participations and whole loans as a way of diversifying their portfolios. Institutions both large and small may look to participations as a way of dealing with lending limit issues. Whatever the motivation, an institution buying or selling must carefully analyze the loan participation agreement. Lenders must also consider recent regulatory developments. This Webinar focuses on certain specific issues regarding loan participations.
(Originally presented on August 20, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

Vendor Management
Financial institutions are increasingly outsourcing activities and processes to third parties. It is no surprise that federal banking regulators have emphasized the need for institutions to manage the risks associated with vendor relationships. In some cases, the failure to adequately manage these relationships have resulted in significant regulatory penalties, legal risks and reputational damage. Join us as we discuss the federal regulators’ expectations regarding your institution’s vendor management program, including the need for your board’s involvement, critical risk assessments, vendor selection, negotiating vendor agreements, and your ongoing monitoring obligations. We include a discussion of due diligence and contract negotiation checklists incorporating the various considerations that should be a part of your vendor management program.
(Originally presented on July 24, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

Death of Borrowers
Death comes to all but dying with debt is more common than it used to be. This webinar addresses a number of practical questions faced by lenders when a borrower (or the principal owner of a business borrower) dies. We address the immediate and longer-term steps a lender may (or must) take to protect its legal right to repayment while remaining considerate of the human loss the survivors have experienced. For example, how does a lender file a claim in a decedent’s probate estate? Is a secured lender even required to file a claim in probate? Is the borrower’s death an “event of default” under the loan? Can we set off against the decedent’s deposit account? What are the obligations as to “successors in interest” of the property on a residential mortgage loan? The webinar includes a detailed and useful discussion outline and plenty of time for hypotheticals, and questions and answers.
(Originally presented on July 18, 2019.)
(2.0 hours) BCG Members/$295 BCG Non-members/$395

Fair Lending Update
Financial institutions and other lenders are experiencing increased pressure from regulators, not least of which is the Consumer Financial Protection Bureau, to enhance their fair lending processes. Fair lending does not happen by accident; rather, it is a mandated, ongoing process. Every regulated lender must have a written fair lending program in place, addressing every aspect of the lending process, from marketing and underwriting to pricing and servicing. Fair lending is not limited to residential lending – it extends to commercial and consumer lending of all types. This 90-minute Webinar provides an update on the fair lending laws and processes for lenders of all types. Some familiarity with lending processes is assumed.
(Originally presented on June 26, 2019.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Check Fraud and Regulation CC Final Rule: One Year Later
Despite advances in technology which enable new alternative payment systems, checks are still not going away anytime soon and the check collection laws have finally started to adapt to keep pace with electronic check collection. This detailed discussion includes Regulation CC’s new warranties and indemnities for checks collected electronically as well as whether the paying bank or the depositary bank is ultimately liable when fraud occurs. We also discuss an additional amendment to Regulation CC that went into effect January 1, 2019, which addresses disputes over whether an electronic check is either forged or altered. Finally, we address the applicability of Regulation CC, the UCC and the ECCHO rules, which will depend on whether the fraudulent checks were electronically collected through the federal reserve system.
(Originally presented on June 20, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Virtual Currencies and Blockchain Technology in Banking
With virtual currencies and blockchain technology becoming increasingly popular and commonplace, they are making their way into the banking industry. In this Webinar, we dive into the world of virtual currencies and blockchain technology, and consider the products and services banks provide to virtual currency-related businesses and how financial institutions may utilize blockchain technology. As we explore blockchains and virtual currencies, and the related financial products and services, we also discuss the associated legal and regulatory issues as well as the related risks.
(Originally presented on May 29, 2019.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

IRS Information Reporting
This webinar gives institutions a general understanding of the tax information reporting process. Specifically, we discuss the taxpayer identification number and withholding certification requirements (Form W-9 and Forms W-8). We also spend time discussing the tax information reporting requirements for deposit interest (1099-INT), miscellaneous income (1099-MISC), original issue discount (1099-OID), mortgage interest (1098), discharged debt (1099-C) and abandoned property (1099-A). Hot topics include the latest guidance on foreign TIN requirements applicable to nonresident alien depositors and FATCA highlights.
(Originally presented on May 23, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

How to Review a Private Flood Insurance Policy
As of July 1, 2019, regulated lenders will have to start accepting private flood insurance (PFI) policies. Are you ready? Do you know when you must or may accept a PFI policy? On the flipside, do you know when you are not permitted to accept a PFI? If you answered “no” to any of these questions, we have the webinar for you. This webinar on “How to Review a Private Flood Insurance Policy” will help you answer “yes” to these questions. The Outline includes checklists to help you start reviewing PFI policies by walking you through some low-hanging fruit and common PFI issues.
(Originally presented on April 30, 2019.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Home Equity Lines of Credit
Home equity lines of credit are compliance intensive. Beginning with special disclosures at the application stage and extra required disclosures in the account agreement, and continuing with 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. This Webinar takes a step-by-step approach, beginning with the advertising requirements, followed by 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 also touch briefly on the right of rescission and periodic statements. Plenty of examples are provided.
(Originally presented on April 24, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Lotteries, Sweepstakes and Other Deposit Promotions
This comprehensive webinar covers various forms of deposit promotions, including lotteries, sweepstakes, and their compliance considerations. California recently made it easier for financial institutions to offer lottery promotions in connection with savings accounts. We discuss lotteries, legal and illegal, and address pressing questions related to other types of promotions. We take a closer look at the “lessons learned” by other institutions. We address privacy and other considerations impacting “refer a friend” promotions, as well as the ever-changing programs used to entice CD deposits. In addition, we also review the regulatory compliance expectations, including Regulation DD advertising disclosure requirements and IRS information reporting.
(Originally presented on March 21, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Documenting Your Customers
With all the different types of business entities, lenders and new accounts personnel have challenges in properly identifying their customers or members and understanding each entity’s legal structure. Customer Identification Program (CIP) rules impose specific regulatory requirements for identifying borrowers. In addition, the Beneficial Ownership Rule applies. For example, a failure to identify a borrower properly 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 also could result in compliance violations. This Webinar addresses these issues in a “workshop” format providing checklists for the types of documents that financial institutions should obtain from the various types of business entities.
(Originally presented on March 26, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

ACH Processing: ODFI and RDFI Rights and Responsibilities
Financial institutions that process automated clearing house (ACH) transactions are exposed to various types of risk when providing ACH origination services (as an originating depository financial institution – or ODFI) or receiving ACH transactions (as a receiving depository financial institution – or RDFI). Both ODFIs and RDFIs also have risk exposure for non-compliance with the NACHA Rules, including potential fines and penalties. This Webinar discusses various ACH risks presented to institutions functioning as ODFIs and RDFIs and discusses how financial institutions can manage those risks. We also discuss some of the recent and upcoming changes to the NACHA Rules that may impact a financial institution’s ACH risk exposure.
(Originally presented on February 27, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Regulatory Compliance Training for Loan Originators
Under rules that became effective in 2014, all loan originators of dwelling-secured credit must receive training on state and federal laws applicable to their job duties. 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, training must cover both federal and state law applicable to the LO’s job responsibilities. This Webinar covers both state and federal law. The rule is limited to closed-end mortgages; home equity lines of credit are not covered. This two-hour Webinar provides training that is relevant to all loan originators and will help fulfill their training requirements under Regulation Z.
(Originally presented on February 21, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Wire Transfers: Rights and Responsibilities
With the increase in incidents of cybersecurity breaches, appreciating the rights and responsibilities of financial institutions involved in conducting wire transfers has never been more important. The potential exposure to a financial institution for unauthorized or defective wire transfers will vary depending on the security procedures implemented by the sending financial institution. We discuss several issues, including potential defenses to unauthorized wire transfers and the need for using security procedures that are commercially reasonable for a particular customer and the circumstances under which a wire transfer can be cancelled or amended. These and other issues are explored in detail in this webinar in order to help financial institutions implement appropriate policies and procedures for dealing with both outgoing and incoming wire transfers.
(Originally presented on January 29, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Servicemember Protections Refresher
Servicemembers who wish to borrow money are protected by two very different bodies of law: the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA). Together the MLA and SCRA provide a complex array of protections to servicemembers. For example, the SCRA imposes a maximum interest rate of 6% on all credit extended to active duty servicemembers but only if the loan was made before active duty commenced. The MLA regulations, in contrast, generally apply to credit extended during the period of active military service. The MLA imposes a maximum “military APR,” requires certain disclosures, and prohibits certain contract provisions such as waivers of rights. In this webinar we carefully walk through the coverage, exemptions, required disclosures and substantive requirements of the SCRA and the MLA.
(Originally presented on January 24, 2019.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Responding to a Data Breach
Since the adoption of the Gramm-Leach-Bliley Act in 1999 (GLBA), information security breaches have become commonplace and are becoming more terrifying. Breaches of data systems can expose a financial institution to regulatory criticism, civil liability and reputation risk. The banking regulators were prescient in seeing that security breaches are inevitable. While efforts must be made to prevent them, the real focus of examiners is not on prevention but on the response. This webinar addresses the do’s and don’ts of responding to an information security breach at a financial institution.
(Originally presented on November 27, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Complying with the Beneficial Ownership Rule
Complying with the Beneficial Ownership Rule can be somewhat difficult despite that FinCEN has issued multiple FAQs. While we cover the basic requirements for obtaining beneficial ownership information for customers, we also explain some of the more confusing and vague areas. We discuss the FAQs as well as how those FAQs have raised yet other compliance concerns, including the treatment of certificate of deposit and loan renewals, what is actually considered a new account, applying the rule to new services added to existing accounts, and the treatment of both property management and formal trust accounts.
(Originally presented on November 6, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Selected Loan Workout and Collection Issues
Over the last few years, lenders have generally enjoyed good credit quality and a minimum of nonperforming loans.  However, with interest rates increasing, the economic cycle maturing and borrower stress likely to follow, financial institutions should begin to staff up for loan workouts and collection activities. This webinar addresses loan workout structuring and alternatives, as well as regulatory issues raised in the collection process.  We also discuss selected bankruptcy issues.  In addition, the webinar includes a discussion of issues lenders may encounter when foreclosing on real estate collateral, as well as issues related to foreclosing on personal property collateral.
(Originally presented on October 30, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Letters of Credit: An Overview
More and more regional and independent financial institutions have found that in order to adequately service their clients, they must offer standby and commercial letters of credit products and services. During this Webinar, we start with a basic discussion about letters of credit and the rules that govern letters of credit, followed by a more focused discussion on regulatory issues and document examination issues relating to standby and commercial letters of credit.
(Originally presented on September 20, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Financing Special Types of Collateral
Commercial lenders are called upon to finance all different types of collateral for their commercial borrowers. In this webinar, we address the issues associated with several types of collateral from a lending, legal and perfection point of view. Good lending practices will be emphasized, with a focus on understanding the types of loan provisions that will assist the lender in managing different types of financing. We will discuss certain pitfalls and problems and how to properly perfect a security interest for each type of collateral.
(Originally presented on July 26, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Doing Business with Family Trusts
Family trusts, once the exclusive preserve of the wealthy, have become commonplace. As a result, financial institutions face questions every day on how to deal with trusts and trustees. Trusts are remarkably flexible vehicles, with the result that very few hard-and-fast rules apply. We address both lending and bank operations issues. As the baby boomers enter into their twilight years, financial institutions are increasingly facing new issues as to the succession of trustees, bifurcation of trusts (“A” and “B” trusts), and dealing with holders of powers of attorney who think they can manage a trust.
(Originally presented on July 18, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Dealing with Powers of Attorney
While the laws governing powers of attorney are not overly complicated, in practice determining whether to accept any given power of attorney can be difficult. Common questions include, what are the rights of financial institutions when it comes to relying on a power of attorney? Can the institution accept a copy of a power of attorney if the original is not available? 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 for this Webinar as we answer these and other questions. We will also consider the protections afforded a financial institution when accepting a power of attorney pursuant to the California Probate Code.
(Originally presented on June 20, 2018.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Insider and Affiliate Transactions
This Webinar provides a comprehensive discussion of rules under Regulations O and W and other laws covering loans to executive officers, directors and principal shareholders of financial institutions and their related interests, as well as the rules governing affiliate transactions. We discuss related issues as to the indebtedness of executive officers and directors of registered companies, such as bank holding companies. We also address restrictions on loans to federal and state credit union officials and senior management. Additionally we briefly discuss restrictions on the payment of interest on deposits of insiders.
(Originally presented on May 23, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

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, but the property will not be remitted until the separate Holder Remit Report is filed the following year in June. We discuss practice tips and reminders from the California State Controller's Office to ensure your reports are approved. The presentation also outlines the timelines for the escheat of deposit accounts, safe deposit box contents and financial institution-issued instruments. We also address the legal notices required to be provided to customers at account opening and again prior to the reporting process.
(Originally presented on April 19, 2018.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Understanding the Consumer’s Right of Rescission
Under Regulation Z the right of rescission allows the consumer time to think over a credit transaction that involves a non-purchase money lien on the consumer’s home and to cancel the transaction if desired. However, it is the lender’s responsibility to determine whether a particular transaction is subject to the right of rescission, and if so, properly complete and provide the rescission notices and related disclosures. If the rescission notice is never delivered to the consumer or is incorrect, there are harsh consequences for the lender, including an extension of the consumer’s rescission period for up to three years. This Webinar addresses the requirements surrounding the right of rescission.
(Originally presented on March 27, 2018.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

New Accounts Documentation
Financial institutions have obligations to properly identify and document both new and existing customers and to ensure that they are dealing with the individuals authorized to act for a particular customer. Trying to determine not only a customer’s “legal name” but also who is authorized to act on behalf of a particular customer and whether that customer poses a BSA risk is becoming increasingly more difficult. We discuss account documentation in a way that will help your institution satisfy its CIP obligations, including identifying the individuals authorized to act on behalf of business and fiduciary customers.
(Originally presented on March 14, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

New April 2018 Mortgage Servicing Rules
Beginning on April 19, 2018, new mortgage servicing rules for closed-end mortgage loans will take effect which will impact small and large servicers alike. This Webinar provides a useful review of the new requirements relating to “successors in interest” and “confirmed successors in interest,” which have been incorporated into both TILA (Regulation Z) and RESPA (Regulation X). Lenders will be required to provide certain disclosures under Regulations Z and X to confirmed successors in interest. We discuss which disclosures and other rules will apply to confirmed successors in interest. In addition we discuss the new mortgage periodic statement requirements under Regulation Z, which will require lenders to send modified periodic statements to certain consumers in bankruptcy.
(Originally presented on February 21, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

HMDA & Regulation C Update
Financial institutions and other lenders are now subject to the new data collection requirements under HMDA and “new” Regulation C, which went into effect on January 1, 2018. The implementation process has been challenging for everyone – and questions continue to be raised regarding how to comply with the new rules. Wereview the 2018 coverage rules for lenders and the types of transactions that are subject to HMDA reporting (and those that are not). Wealso address in more detail the complicated demographic information collection and reporting requirements, the FFIEC’s HMDA examiner transaction testing guidelines, and focus on some of the more problematic aspects of the new data collection requirements.
(Originally presented on January 30, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Regulatory Compliance for Commercial Lenders
Commercial lending continues to be subjected to ever greater regulation, so commercial lenders need a working knowledge of the applicable regulations. Contrary to popular belief, commercial loans are subject to many of the so-called “consumer” regulations, as well as non-consumer regulations, such as flood insurance and Regulation B. This Webinar offers a practical approach to knowing when particular regulations apply to commercial loans and what the basic rules are. Loan officers, credit administrators, compliance managers and loan documentation personnel will benefit from this learning experience.
(Originally presented on January 23, 2018.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Handling Levies and Executions
Attempting to determine whether a debtor listed in a levy matches the customer of an institution as identified by the institution’s records can prove to be quite challenging, even to the very experienced. This Webinar discusses the fundamentals of processing a levy and important principles for determining whether a particular type of account is subject to a levy. We also review the various forms and discuss examples to help better understand how best to deal with any given levy.
(Originally presented on September 21, 2017.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Checklist for Critical Appraisal Reviews
When examining commercial real estate loan and construction loan files, the regulators often will focus on the appraisal of the collateral in an effort to confirm that the value assigned to the collateral is a reliable value, as well as to confirm that the lender undertook a proper review of the appraisal (as required under the appraisal guidelines). Often, an examiner’s scrutiny of an appraisal report will be intense, with the examiner looking for unreasonable assumptions and faulty data used by the appraiser. A lender must critically and thoroughly review each appraisal obtained in connection with a commercial real estate or construction loan transaction. During this informative Webinar we will discuss many of the issues that a lender should consider when reviewing an appraisal, including issues often raised by regulatory examiners when criticizing appraisals.
(Originally presented on August 23, 2017.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Important Terms Every Deposit Account Agreement Should Carefully Address
There are a number of disclosures that financial institutions are required to provide to their depositors at account opening and most of these disclosures are often included in a deposit account agreement. However, in addition to certain mandated disclosures, most deposit account agreements also contain numerous additional terms and conditions that govern the relationship between an institution and its depositors. It is these additional terms and conditions that are crucial in affording adequate protections to the financial institution. We discuss substantive -issues which the account agreement should clearly address and the need to include some of the more important terms and conditions.
(Originally presented on June 28, 2017.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Striving for Perfection when Perfecting Security Interests in Personal Property
Lenders look to their collateral to minimize losses when things go awry and defaults occur with loans secured by personal property. The attachment and perfection of a security interest in personal property collateral is essential to the enforcement of a security interest against a borrower or other pledgor (such as a guarantor). The requirements and procedures for attachment and perfection of a security interest in personal property are set out in Division 9 of the Uniform Commercial Code as adopted in California. This Webinar explains the necessary steps lenders must take to have an enforceable security interest under the UCC and possible pitfalls to avoid when attaching and perfecting your security interest.
(Originally presented on June 21, 2017.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

CRA — A Look at Selected Issues
While the Community Reinvestment Act (CRA) regulations have remained constant over the past several years, the banking agencies did issue revisions in July 2016 to the CRA Interagency Questions and Answers. Among other things, the revisions provide additional guidance regarding alternative systems for delivering retail banking services, certain community development activities and qualitative factors for evaluating an institution's CRA performance. Join us as we recap the changes made to the CRA Q&As, delve into what qualifies as “community development” and provide ways to identify community development opportunities, including CD resources.
(Originally presented on April 27, 2017.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Guaranties in the Lending World
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. Join us for this informative Webinar as we discuss the use of guaranties in the lending world. This Webinar includes a discussion on the various types and uses of a guaranty and the elements of a guaranty, with a focus on the importance of the waivers by the guarantor and ways of preventing a sham guaranty.
(Originally presented on March 21, 2017.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355

Military Lending Act & Regulations
The Department of Defense regulations under the Military Lending Act (MLA) apply to most types of consumer loans. This Webinar discusses the requirements of the MLA regulations, including who is protected by the regulations, what types of loans are covered, how to verify whether an applicant is a “covered borrower,” and the required loan disclosures. We also discuss the contract limitations that apply to creditors when making consumer loans to covered borrowers.
(Originally presented on September 15, 2016.)
(2 hours) BCG Members/$295 BCG Non-members/$395

Identifying and Curbing Mortgage Fraud
You only need to talk with your special assets and collection departments to know that mortgage fraud is a significant problem. In this Webinar, you will learn about the latest fraud schemes and trends and, more importantly, find out how to make sure your institution doesn’t fall victim. New underwriting standards under the Ability to Repay rule help prevent fraud on consumer mortgages but problems continue. We also review Suspicious Activity Reporting responsibilities and how they come into play with mortgage fraud schemes.
(Originally presented on April 21, 2016.)
(1.5 hours) BCG Members/$295 BCG Non-members/$395

Everything You’ve Always Wanted to Know About Escrow (Impound) Accounts, But Were Afraid to Ask
New flood insurance regulations that go into effect on January 1, 2016 will require escrowing of most flood insurance premiums on residential loans. Join us as we discuss the “new” escrow rules, even if they are just new to you. We will also touch on the older rules on escrow account analyses and how the escrow holder must deal with a surplus, deficiency or shortage (and how they differ).
(Originally presented on November 19, 2015.)
(1.5 hours) BCG Members/$255 BCG Non-members/$355 (2 hours)

Compliance Responsibilities of Financial Institution Directors
In this program, we identify the areas of compliance that require, at least annually, review and approval by a financial institution’s board of directors.  In addition, we identify specific areas where annual review and approval is not specifically required by law or regulation, but periodic reviews are recommended.  A helpful board checklist is also provided.
(Originally presented May 21, 2015.)
(1.5 hours) (BCG Members/$255 BCG Non-members/$355)

Compensation & Indemnification of Directors and Officers Today
In this program we broadly review the rules and regulations associated with compensation and indemnification.  In particular, we review requirements imposed by the Sarbanes-Oxley Act and stock exchange listing rules, the Emergency Economic Stabilization Act (for TARP recipients), the Dodd-Frank Reform Act, California state law and federal banking regulations.  This presentation is an opportunity to bring your compensation and indemnification procedures up to date!
(Originally presented March 26, 2015.)
(2 hours) BCG Members/$295   BCG Non-members/$395

Handling a Deceased Customer’s Property
This Webinar is designed as a guide for your staff to use in releasing property and funds the financial institution is holding which belong to a customer at the time of the customer’s death.  For example, we 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 January 14, 2015.)
(1.5 hours) (BCG Members/$255 BCG Non-members/$355)

Your Customer Files Bankruptcy: What You Need to Know
Bankruptcy filings have been reaching record levels. This Webinar explores the rules of the Bankruptcy Code as they affect your loans and deposit accounts and assists you in developing an action plan to effectively deal with a customer’s bankruptcy filing. After a brief overview of the federal bankruptcy system and concepts that are essential to understanding the requirements of the Bankruptcy Code, the discussion is centered around case studies based on real-life loan and deposit account situations.
(Originally presented June 26, 2014.)
(2 hours) (BCG Members/$295 BCG Non-members/$395)


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