Regulatory Compliance

BAI Payments Connect 2016
3/7/2016 8:00 AM -
3/9/2016 12:00 PM PST
San Diego Convention Center
San Diego, California
Standard Price: $1,995
Enterprise Member Price: $1,795
BAI Payments Connect 2016 brings you the insights, information, and personal connections you need to stay ahead in today's rapidly changing retail banking payments space. Network with payments executives, refine your customer relationship strategy and discover the solutions, partnerships and processes you need to generate new payments revenue streams.
New Guidance on Multi-factor Authentication: Getting Ready for Examiners
In June of 2011, the FFIEC issued draft guidance regarding Online Banking Authentication to help financial institutions, businesses and consumers protect against online crime. Effective on the first of this year, Examiners will now enforce compliance with the regulatory expectations for risk assessments, layered security, and training for both consumer accounts and business accounts. This webinar discusses the keys to a sound risk management program, layered security solutions and their effectiveness, and how to implement a formal Customer Awareness Program.
Proposed HOEPA and RESPA Changes
This whitepaper covers the CFPB’s proposal to amend Regulation Z to implement changes to HOEPA protections, and proposed counseling-related requirements for RESPA. The Dodd-Frank act expanded HOEPA’s coverage, amended existing high-cost triggers, added a prepayment penalty trigger, and expanded the protections associated with high-cost mortgages – this proposed rule is the CFPB’s effort to implement these changes by amending Reg Z.  The proposal also implements other homeownership counseling related requirements that Congress adopted in the DFA, including requiring lenders to distribute a list of homeownership counselors or counseling organizations to consumers within three days of applying for any mortgage loan. The proposal also implements a requirement that first-time borrowers receive homeownership counseling before taking out a loan that includes negative amortization. These complex changes are bound to cause confusion in a sea of other CFPB rules and regulations, and this whitepaper is the first step to gaining a better understanding of the rules before their finalization.
Delayed Implementation of Certain New Mortgage Disclosures

The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (Truth in Lending) to, in effect, delay implementation of certain mortgage disclosure requirements included in Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) that would otherwise take effect on January 21, 2013.

Creating Customer Security Awareness and Education: Learn to Make Compliance Profitable
There should be adequate transparency in the provision of electronic banking services to help the customers understand what they can reasonably expect of the services and what they should do to help achieve information security. Customers must be made aware of their responsibilities to maintain information security in the use of electronic banking services and their potential liability if they do not.
View this webinar to learn how to quickly and easily educate your customers and meet compliance requirements, how to recognize and increase revenue opportunities, strategies to add value for your clients and revenue to your bottom line and more.
Proposed Guidance on Deposit Advance Products
This summary addresses FDIC proposed guidance from April 30, 2013 regarding safe and sound banking practices and consumer protection in connection with deposit advance credit products.
The CFPB's Final Ability-to-Repay and Qualified Mortgage Rules: A Closer Look
In January 2013 the CFPB finalized a variety of mortgage regulations mandated by the Dodd-Frank Act, headlined by its Ability-to-Repay and Qualified Mortgage Rules. In this webinar, a team of experienced compliance attorneys break down these rules, including important exemptions and ambiguities. View it to learn ways to satisfy the ATR rules, what exactly Qualified Mortgage is, about balloon-payment qualified mortgages, small creditor exemptions and more. 

From BAI Banking Strategies

Featured Article
Future Branching at Citibank  
By Kenneth Cline
Citbank’s Brad Dinsmore says future branches need to be generally smaller than current models and staffed by better-trained, more versatile employees.
More Articles

From BAI Banking Strategies Daily

Consumers participating in Ally Financial's settlement with U.S. regulators over alleged discriminatory auto lending practices will receive checks later this year or early next year.
Full Abstract

As Samsung announced two new smartphones on Aug. 13, it also unveiled its new mobile payment platform, Samsung Pay, which will be rolled out as a small beta later this month in the United States.
Full Abstract

Goldman Sachs plans to assume a new role as a savings bank for retail customers by acquiring $16 billion in customer deposits from GE Capital Bank.
Full Abstract

Subscribe to BAI Banking Strategies