CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program
Content:
Complying
with the open-ended provisions of Regulation Z is a complicated issue.
There are many intricate requirements to follow, from disclosures,
servicing, and advertising. Plus, there are differing requirements
depending on whether the plan is a home equity line of credit (HELOC),
credit card plan, or personal or overdraft line.
This
webinar will focus on the personal/overdraft lines and HELOC requirements.
We will discuss how to ensure all the Reg. Z rules are followed, especially
around disclosures. We’ll also touch on some of the other rules that impact
HELOCs, such as appraisal rules and the coming HMDA requirements.
Covered
Topics:
- Determining basic coverage of lines of credit under
Reg. Z and other consumer protection rules
- Changes in terms – “significant changes”
- Treatment of credit balances
- Disclosing variable rate plans
- HELOC special provisions, including right of
rescission
- Advertising open-ended credit plans, including
marketing to college students
- Servicing – periodic statements
- Real estate laws and regs for HELOCs
- Fair lending implications (there are some!)
- And much more
Who
Should Attend?:
Anyone
in the institution having responsibilities in offering, underwriting or
servicing consumer-purpose open-ended credit plans, including loan
officers, processors, clerks, closing agents, and so forth. Also compliance
officers and counsel will benefit from the information provided in this
webinar. Please
forward email to appropriate person(s).
Instructor:
Carl
Pry is
a Certified Regulatory Compliance Manager (CRCM) and Certified Risk
Professional (CRP) who is a Managing Director for Treliant Risk Advisors in
Washington, DC. Through his working career, as well as through his
experience as a banking attorney and officer, he has provided a variety of
regulatory compliance and financial performance services to financial institutions
and other clients throughout the country. He has written extensively
regarding consumer and commercial compliance, tax, audit, and financial
institution legal issues, and is a frequent contributor to and currently
serves on the Editorial Advisory Board for the ABA Bank Compliance
magazine. He has spoken at scores of banking, compliance, and state bar
associations, and has conducted training sessions for financial
institutions across the country.
What
Is A Webinar?:
A
webinar combines the clarity of an audio teleconference with the
interactivity and visual presentation of the internet. All you need to
participate is a telephone and an internet connection. Even if you don't
have an internet connection, you can still participate in the audio session.
Listening to the program over the telephone and following the written
materials is an effective alternative!
Unable
To Attend?:
No
problem. You can purchase a recording of the webinar for future use. You
can choose from either an On-Demand Web Link (Good for 6 months from the
webinar date, unlimited use) or a CD-ROM (includes a paper copy of the
PowerPoint slides).
Viewing
Options (all options include applicable handouts):
All
options include applicable handouts. You can choose to pay by credit card
or be billed. Additional Live Webinar connections are $75 each.
Option 1: Live
Webinar and 7 Days OnDemand Video Playback - $265
Option 2:
OnDemand Video (six months access) - $295
Option 3: Live
and 6 Months of OnDemand Video - $365
Option 4: CD-ROM
Video (Includes OnDemand Video) - $345
Option 5: Entire
Package (all of the above) - $395
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