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ABOUT THIS ARCHIVE eSCHOOL

Stay current on what's happening in the world of compliance. During this eschool, you'll hear from industry experts on the compliance challenges they see facing credit unions. Plus, you'll get tips that will help you conquer these challenges at your credit union.

TOPICS & OBJECTIVES

Regulation Z Update & Other Consumer Lending Issues

• Discuss changes to the credit disclosure rules
• Review the changes to multi-featured open-end lending
• Learn what disclosures will be required for account opening tables, periodic statements, and change in terms
• Review what substantive limitations have been promulgated for open-end loans
• Identify the proposed changes to the HELOC disclosures and what affect they could have on your loan business

Mortgage Lending Compliance Updates - Out With the Old & In With the New!

• Examine Regulation Z changes
• Discover Home Valuation Code of Conduct requirements
• Identify changes in the appraisal process
• The new Good Faith Estimate and Settlement Statements
• Learn the new marketing requirements
• Review the S.A.F.E. Act

FACTA - What's New for 2010?

• Review when to give the risk-based pricing notice for loans that are granted or extended based on a consumer report with "material terms" that are "materially less favorable"
• Learn the definitions for "material terms" and "materially less favorable" and explore two alternative methods that can be used to determine when "material terms" are "materially less favorable"
• Discover alternatives to providing the risk-based pricing notice as well as five model forms

Current Compliance Issues in Fraud

• Review privacy obligations and data loss scenarios
• Discuss ID theft red flag requirements
• Discover vendor management essentials
• Learn how to build a beach notification system
• Identify how to prevent loan fraud
• Learn how to recoupe your fraud losses: from bond to breaches

Regulation CC Update & Advanced Check & Payment Issues

• Learn how to eliminate of nonlocal checks
• Discover issues with remotely created drafts
• Review the liability theory of "Good Faith" claims
• Compare stop payment vs. lost check

Adjusting to the New Overdraft, Gift Card & ACH Rules for 2010

• Review the new Reg E overdraft rules
• Learn Gift card dormancy and fees and the CREDIT Card Act
• Discuss the new privacy disclosures
• Learn the new ACH authorization & return rules

WHO SHOULD ATTEND
This eSchool is beneficial for compliance staff, management, and anyone at your credit union needing this detailed compliance information – management, CEO, directors, mortgage lending staff, consumer lending staff and operations staff.

For more program content information, call 800-356-9655, ext. 4249, or e-mail training@cuna.coop. For registration questions, call 800-356-9655, ext. 4400, or e-mail reginfo@cuna.coop.

 

INSTRUCTORS
Mary-Lou Heighes, CUCE
Mary-Lou has been involved in the credit union movement since 1989. She has been involved in all areas of credit union operations: general operations, marketing, collections, lending, and compliance. She is a Credit Union Compliance Expert (CUCE) and is president of Compliance Plus, Inc., which provides strategic planning, training, compliance, and consulting services to credit unions. Mary-Lou was the senior research and information consultant for the California/Nevada Credit Union League for seven years, and since founding her company in 2000, has provided training for credit unions and leagues around the country. Prior to her tenure at the league, she spent five years at a credit union.

Woody Hodgdon, CUCE, BSACS
Woody is a CUCE and is the national compliance manager for Addison Avenue Federal Credit Union (Formerly HP Employees FCU) in Palo Alto, California. Addison Avenue FCU serves Hewlett Packard and Agilent Technologies employees in the United States and Puerto Rico as well as some other related employers. Woody's department includes a staff of 28 credit union employees from various functional areas around the country, who spend up to 20 percent of their time doing compliance related work. Prior to accepting his current job, Woody spent 17 years at HP Rocky Mountain Federal Credit Union in Loveland, Colorado where he managed both the collections and compliance departments. He spent three years as an agent for CUNA Mutual in northern Colorado prior to starting his management career with credit unions.

Bruce Jolly
Bruce, a former CUNA Washington counsel has been actively involved in legislative and regulatory changes affecting credit unions since the 1980s. He was actively involved in truth-in-lending reform, electronic fund transfer rule implementation and a host of other mission critical rules and regulations. He has been a fixture in compliance training for credit unions, written on compliance topics extensively, and recently formed Reed & Jolly PLLC with David Reed to make their combined experience readily available across the United States. He serves as outside counsel to the National Association of State Credit Union Supervisors and is admitted to the state bars of North Carolina, Virginia, the District of Columbia, and Maryland. Bruce thinks the key to compliance training is to make the topic understandable using concrete examples of compliance concerns to illustrate the points being made.

Bill Klewin
Bill is vice president and staff director of the Lending Lab in the Lending Services Enterprise for CUNA Mutual Group. He joined CUNA Mutual Group in 1986 as assistant counsel specializing in consumer legislation and consumer lending. Before joining CUNA Mutual Group, Bill maintained a private practice, concentrating on commercial and business law. Bill is a regular contributor to Credit Union Magazine on lending and regulatory compliance and is a frequent speaker at credit union conferences. Bill is a member of both the Wisconsin and American Bar Associations.



David Reed
David, founder of CU Doctor, is an author, consultant, and nationally recognized speaker. He has nearly two decades of collections and bankruptcy experience representing both debtors and creditors. He is a former bankruptcy attorney, vice president, and general counsel for a large credit union.

ARCHIVE eSCHOOL OVERVIEW
Archived CUNA eSchools enable staff to pick up new skills and keep up with daily responsibilities. Viewing a archived eSchool will enable you to see and hear a presentation, questions of the instructor, and refer to handouts. You need only a computer with an Internet connection and speakers. If you have a computer projection screen, it's easy to provide this training to a whole roomful of staff! Use our 90- to 120-minute archived eSchools as part of a full day of training by gaining knowledge and ideas at the eSchool, then spend some time discussing how the new information applies to your credit union.

A single session archived eSchool will be made available usually within 48 hours of the live event and a two session archived eSchool will be made available within 48 hours of the conclusion of the second session. By registering for this archived eSchool, you will receive unlimited access until the end date listed above. No access to this archived eSchool is provided after the end date listed above.

CANCELLATIONS
Cancellations received in writing (via fax 608-231-4327) before October 13, 2010 are eligible for a refund of the amount paid minus a $200 administrative fee. No refunds will be granted for cancellation requests received on or after October 13, 2010 or for registrations received on or after October 13, 2010. Substitutions are accepted anytime prior to October 13, 2010 at no additional cost. Simply fax event and contact information, listing the new participant and who they will be replacing.