2015 Course Handouts

Enroll in 2016 Regulatory Compliance School
March 14-18, 2016 | Westin Arlington Gateway | Arlington, VA


2015 Regulatory Compliane School attendees may download handouts for courses at the links below. Handouts are password protected for attendees only. If you are an attendee of School and misplaced your password, please contact NAFCU's Member Services Center at msc@nafcu.org.


The Legislative and Regulatory Process

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  • Legislative Bill and Acts
  • Proposed and Final Regulations

Presented by Celina Stewart, Regulatory Affairs Counsel, NAFCU

Overview of The Federal Credit Union Act, the National Credit Union Administration (NCUA) and the Consumer Financial Protection Bureau (CFPB)

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  • NCUA Board Authorities
  • NCUA Organization
  • The Federal Credit Union Act
  • Organization and Prioritization of NCUA Regulations
  • CFPB Structure
  • CFPB Authority

Presented by Alicia Nealon, Director of Regulatory Affairs, NAFCU

Organization, Bylaws and Field of Membership

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  • Bylaws
  • Field of Membership

Presented by Brandy Bruyere, NCCO, Regulatory Compliance Counsel, NAFCU

Special Credit Union Issues

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  • Express and Incidental Power

Presented by JiJi Bahhur, NCCO, Director of Compliance, NAFCU

NCUA Supervision and Examinations

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  • NCUA CAMEL Rating System
  • NCUA Administrative Tools

Presented by Judy Graham, Program Officer, Office of Examination and Insurance, NCUA

Regulation D

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  • Transaction Limitations
  • Reserve Requirements

Presented by Bernadette Clair, NCCO, CAMS, Senior Regulatory Compliance Counsel, NAFCU

Share Insurance

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  • Standard Maximum Share Insurance Amount
  • Coverage of Different Accounts Including Joint Accounts and Revocable Trust Accounts

Presented by Frank Kressman, Associate General Counsel for Regulations and Legislation, NCUA

E-Sign Act

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  • Electronic Disclosures
  • Opt-In Requirements
  • Electronic Consent

Presented by Eliott C. Ponte, NCCO, Regulatory Compliance Counsel, NAFCU

Regulation E

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  • What Transactions Are Covered
  • Disclosure Requirements
  • Overdraft Protection

Presented by John Harwell, NCCO, AVP Risk Management, Apple Federal Credit Union

Regulation CC

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  • Funds Availability Requirements
  • Disclosure Requirements
  • Extended Holds

Presented by John Harwell, NCCO, AVP Risk Management, Apple Federal Credit Union

Uniform Commercial Codes 3 and 4

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  • Negotiable Instruments Overview
  • Stop Payments
  • Charging a Member's Account

Presented by Mitchell Klein, NCCO, Chief Risk Officer, Citadel Federal Credit Union

Truth in Savings

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  • General Disclosure Requirements
  • Advertising
  • Overdraft Protection Disclosures

Presented by Rusty Vellek, NCCO, Compliance Officer, Transportation Federal Credit Union

NCUA's Lending Regulations

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  • Maturity Limits
  • Usury Ceiling
  • General Lending Rules
  • Loan Participations
  • Member Business Loans

Presented by Devon Lyon, JD, NCCO, Manager of Compliance and BSA, State Department Federal Credit Union

Fair Credit Reporting Act

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  • Obtaining Consumer Reports
  • Disclosures to Consumers
  • Red Flags

Presented by Marshall T. Bell, Counsel, BuckleySandler LLP

Regulation B/Fair Lending Requirements

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  • Application Process
  • Adverse Action Notices
  • Evaluating Applications
  • Fair Lending Issues

Presented by Lori J. Sommerfield, Counsel, BuckleySandler LLP

Regulation Z: Everything But the Special Mortgage Rules

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  • Open-End Credit
  • Credit Cards
  • Closed-End Credit
  • Mortgages

Presented by Steve Van Beek, NCCO, Attorney & Counselor, Howard & Howard Attorneys PLLC

The Special Mortgage Rules (Parts I and II)

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  • Ability-to-Repay and Qualified Mortgages
  • Mortgage Servicing
  • Loan Originator Rule
  • Regulation B Appraisal Disclosures and Delivery
  • Special Protection for High-Cost Mortgages
  • Higher-Priced Mortgages
  • Homeowner Counseling and Disclosure Requirements

Presented by Steve Van Beek, NCCO, Attorney & Counselor, Howard & Howard Attorneys PLLC

Real Estate Settlement Procedures Act (RESPA)

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  • Good Faith Estimate
  • Prohibition Against Kickbacks and Unearned Fees
  • Escrow Accounts

Presented by Jeremiah S. Buckley, Partner, BuckleySandler LLP


Regulatory Update Day Sessions

TILA/RESPA Integrated Mortgage Disclosures

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  • Scope, Definitions & Timing of New Disclosures
  • New Loan Estimate
  • New Closing Disclosure
  • Frequently-Asked-Questions
  • Implementation Tips

Presented by Steve Van Beek, NCCO, Attorney & Counselor, Howard & Howard Attorneys PLLC

NCUA Update

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  • An overview of the regulatory environment and discussion about its impact on your compliance department
  • Recent regulation from the NCUA
  • The latest discussion on rulemakings coming down the pike

Presented by NAFCU staff: JiJi Bahhur, NCCO, Director of Compliance; Alicia Nealon, Director of Regulatory Affairs; Brandy Bruyere, NCCO, Regulatory Compliance Counsel

Update from NAFCU Executive Vice President and COO Anthony Demangone

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CFPB Update

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  • An overview of the regulatory environment and discussion about its impact on your compliance department
  • Recent regulation from the CFPB
  • The latest discussion on rulemakings coming down the pike

Presented by NAFCU staff: JiJi Bahhur, NCCO, Director of Compliance; Alicia Nealon, Director of Regulatory Affairs; Brandy Bruyere, NCCO, Regulatory Compliance Counsel

The Migration to EMV in the U.S. Market

Paper copies of the handout will be distributed at School.

  • Statistics from MasterCard on the migration to EMV in the US market
  • Details of deployment trends so far
  • Key considerations when planning your own migration strategies

Presented by Janette (Jan) McGrath, VP Go To Market Strategy USPD, MasterCard


NCUA's Security Regulation

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  • Safeguarding Member Information
  • Response Programs for Unauthorized Access to Member Information

Presented by Rusty Vellek, NCCO, Compliance Officer, Transportation Federal Credit Union

Privacy

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  • Key Provisions at NCUA's Privacy Rule
  • Model Privacy Notice
  • Delivery Requirements

Presented by David A. Reed, NCCO, Partner, Reed & Jolly, PLLC

Vendor Management

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  • Risk Assessment of Third Party Relationships
  • Due Diligence
  • Contract Management

Presented by Victoria Daka, Regulatory Compliance Specialist, NAFCU

BSA & OFAC

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  • BSA Compliance Program and Risk Assessment
  • OFAC Program

Presented by Bernadette Clair, NCCO, CAMS, Senior Regulatory Compliance Counsel, NAFCU