Compliance/Regulatory

L - Live eTrain  ||  A - Anytime eTrain

Available Webinars

L | 04/24 | California Consumer Privacy Act and Responding to Data Breaches

04/24
Complete
Information
Register

Beginning January 1, 2020, the California Consumer Privacy Act will grant consumers more control and understanding into the content and use of their personal information online, creating one of the most comprehensive privacy measures in the United States.

L | 05/02 | Fair Credit Reporting Act

05/02
Complete
Information
Register

The Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act (FACTA) apply to every credit union that reports member information to a consumer reporting agency or uses information from a consumer reporting agency. In this session, compliance expert Mary-Lou Heighes will guide you through the regulations' processes, required disclosures, and restrictions. You'll also learn appropriate responses and actions when a consumer report is disputed.

L | 05/06 | Real-time Payments Operations & Implementation

05/06
Complete
Information
Register

The Clearing House’s Real-Time Payments (RTP) system is the first new U.S. payment channel in nearly 40 years. This session introduces attendees to the fundamentals of RTP so your financial institution can make the right decision about your participation and the next-steps to implementation.

L | 05/06 | The Network Security Headache

05/06
Complete
Information
Register

Whether they are caused by a cybercriminal, malware, or your well-intentioned employees, security breaches, identity theft, and data leakage will create headaches for network administrators, IT officers, and Information Security Officers. Along with protecting your customer’s information, you also need to protect the credit union’s intellectual and proprietary information and ensure your reputation stays above reproach. Since approximately 90 percent (if not more) of your information assets reside electronically on your networks, the need for securing that information has become imperative. 

L | 05/27 | Suddenly a Supervisor

05/27
Complete
Information
Register

You've been promoted! Now what?
The transition into supervision can be challenging for even the most talented employee. Get the "must-have" tools for delegation, feedback, productivity and much more from communication expert Pamela Jett.

L | 06/10 | Finding a Way to Say "Yes"

06/10
Complete
Information
Register

A full program description and further details of this webinar will be posted approximately 30 days before the program date.

If you have questions or want more information before that time, please contact:
Jan Johnson, (800) 472-1702, ext. 6029, janj@ccul.org
or Education & Training at etrain@etrain-cu.com

L | 06/11 | Membership & Account Ownership

06/11
Complete
Information
Register

Your members trust you to be an account ownership expert.
They turn to you and your credit union to help them with membership and account ownership choices that will fit their financial needs and safeguard their future.

L | 07/30 | Next Steps for Navigating CECL Compliance and Policies

07/30
Complete
Information
Register

Current Expected Credit Loss (CECL) update for the implementation of the standard for non-public business entities (PBEs) is now only required after December 15, 2021, according to the Financial Accounting Standards Board.  This gives you more time to build your CECL strategy and develop a plan that works best for your credit union.  

L | 08/05 | Remote Deposit Capture, Part 1

08/05
Complete
Information
Register

Check processing has changed over the past several years and so has the risk. Image exchange, remote printing, alternative clearing networks and now Mobile Remote Deposit Capture (MRDC) have altered the landscape of this vital network. Regulation CC, ECCHO Rules, OC-3 and other important rules and regulations related to check processing have changed as well.

L | 08/12 | Investigating Internal Fraud

08/12
Complete
Information
Register

A full program description and further details of this webinar will be posted approximately 30 days before the program date.

If you have questions or want more information before that time, please contact:
Jan Johnson, (800) 472-1702, ext. 6029, janj@ccul.org
or Education & Training at etrain@etrain-cu.com

L | 08/12 | Remote Deposit Capture, Part 2

08/12
Complete
Information
Register

Check processing has changed over the past several years and so has the risk. Image exchange, remote printing, alternative clearing networks and now Mobile Remote Deposit Capture (MRDC) have altered the landscape of this vital network. Regulation CC, ECCHO Rules, OC-3 and other important rules and regulations related to check processing have changed as well.

L | 10/23 | Stop Payments

10/23
Complete
Information
Register

A full program description and further details of this webinar will be posted approximately 30 days before the program date.

If you have questions or want more information before that time, please contact:
Jan Johnson, (800) 472-1702, ext. 6029, janj@ccul.org
or Education & Training at etrain@etrain-cu.com

A | ACH Exceptions, Government Payments, & Deceased Account Holders

Complete
Information
Register

ACH Exception Item Processing can be confusing. It is important to understand the various processes surrounding ACH rules. Noncompliance with the rules may lead to violations and customer dissatisfaction. In this session ACH expert John Curtis will cover issues such as reclamations, return items, and Notifications of Change (NOCs). He will share tips and ideas other members have used to limit their liability and make their Operations more successful.

A | Advanced ACH: Consumer Dispute Handling

Complete
Information
Register

Updated for 2019 with new cases! This interactive, advanced session focuses on the most common "sticky" situations credit unions find themselves in when handling consumer-member ACH disputes. Presenter Rayleen Pirnie will discuss how to maintain compliance, including tips on handling these issues. Situations are presented from claim to handling, ensuring that all staff understand the credit union’s requirements.

A | Advertising Compliance

Complete
Information
Register

Does your federally insured credit union’s advertising meet compliance requirements? What can you say and what can’t you say in your marketing? Get the knowledge you need to ensure that your marketing meets every regulatory condition. Compliance expert Mary-Lou Heighes will  explain the regulations that shape the content and language of your marketing campaigns.

A | Best Practices in Data Privacy & Cybersecurity

Complete
Information
Register

With cyber threats coming from every direction, what are credit unions and other companies doing to detect, deter, and decrease the crippling damage?

A | Blockchain to Bitcoin: Insights for Credit Unions

Complete
Information
Register

Cyber attacks. State and federal regulations built for a world of flat currency. Barriers are real and evolving for the legal adoption and use of money that is built on cryptographic-strength algorithms.

A | Blogging Till it Megahurtz: How Social Networking Content Can be Used to Compromise Your Credit Union

Complete
Information
Register

Publically made Internet content, also known as Open Source Intelligence (OSINT) can be used for many purposes. In testing security, Open Source Intelligence gathering is frequently used for mining emails for penetration testing and social engineering. OSINT has become mainstream in the world of digital investigations and litigation. This talk will explain the uses of the intelligence that is captured, the process in which it is derived as well as the tools that are used.

A | Building Your Compliance Program

Complete
Information
Register

Regardless of asset size, all credit unions should have some formal process in place for ensuring compliance. This webinar will cover what it takes to build a comprehensive compliance program for your credit union. Compliance expert Linda Landis will share with you the methodologies of a credit union that offers a wide variety of products and services and has many committees that oversee compliance (Compliance, Fair Lending, Security, and Governance).

A | CECL - A Tale of Two Methodologies with Compliant Outcomes

Complete
Information
Register

Presented by Dr. Randy Thompson, TCT Risk Solutions; and Michael Richards, Richards & Associates
Ready or not CECL is coming.  Every credit union, regardless of asset size, will be required to move to Expected Loss in calculating the Allowance for Loan Loss in 2020.  FASB has approved multiple methodologies and the key for credit unions is to choose an option that is valid and at the same time, will have minimal impact on your equity and earnings.

A | CFPB Prepaid Accounts Rule Compliance

Complete
Information
Register

The prepaid card industry is booming, growing from $1billion in 2013 to a projected $112 billion in 2018. The Consumer Financial Protection Bureau (CFPB) has issued a new rule to protect users of these cards.  If your credit union issues prepaid credit or debit cards, it’s time now to get ready for the rule and its April 2018 deadline.

A | Compliance for Opening Accounts Online

Complete
Information
Register

What policies and procedures should you and your credit union have in place to minimize compliance and fraud risk when you open new member accounts online?
Your Bank Secrecy Act compliance risk escalates when a new member comes to your credit union through the Internet instead of in person. Let compliance expert Gaye DeCesare give you the guidelines that should be included in your policies and procedures to control your risk without sacrificing new member convenience.

A | Compliance Issues for Credit Union Boards

Complete
Information
Register

The compliance environment has changed drastically over the past 18 months. Because the compliance environment has changed, director expectations have changed as well and a board’s fiduciary responsibility is far greater now than it has ever been. This session provides a general overview of the regulations that affect credit unions.

A | Compliance Rules for Frontline Staff

Complete
Information
Register

Every time a consumer walks through the door, places a call to the credit union to establish an account, or has an inquiry regarding an existing account, a variety of laws and regulations come into play. Some are designed to protect the credit union, and many of them are designed to protect the accountholder.  All of them require credit union employees to know and understand the rights and responsibilities of all parties.

In this webinar we explore the laws and regulations impacting the frontline – from the timing and content of Truth in Savings disclosures to the requirements for placing holds on deposits, the rights and responsibilities of plastic cardholders, and the remedies available to accountholders regarding checks, drafts and EFTs.

A | Conducting a Physical Security Review

Complete
Information
Register

This information packed program will provide you with a recipe on how to conduct your annual security review.  No longer can you just use a checklist to determine if your credit union is safe. We will instruct you on how to think like a criminal to protect your assets, information, and people. Today, the criminal world attacks your institution via computer, customers, and social engineering ploys. Your annual review should find and correct problems with physical security, robbery procedures, and staff training. 

A | Crafting & Managing an Effective Violence in the Workplace Program

Complete
Information
Register

In today’s increasingly violent world, no longer do we simply need to prepare for violent threats from without but also from within. FBI statistics reveal there are over 1.5 million incidents of workplace violence annually. While most of us have both a Disaster Recovery Plan and a Robbery Plan in place, most credit unions do not currently consider the possibility of other forms of workplace violence: the jilted spouse or significant other of a co-worker, the member who is denied a loan, an employee who believes they’ve been wrongfully terminated… virtually anyone with an axe to grind.

A | Credit Card Compliance

Complete
Information
Register

When it comes to credit cards, Truth in Lending has a lot to say. In this webinar, we explore all the ins and outs of credit card compliance from issuance to error resolution to special rules for deceased cardholders. We will also be looking at:

A | Cross Selling Your Lending Services

Complete
Information
Register

The cross-selling of lending products has become a necessary tactic with consultative member service. Many institutions are implementing cross-selling strategies for basic lending services and also add-on products including auto-payments, product bundling, and pre-approvals.

A | CU Online Compliance: Balancing Web Site Security, Member Protection, & Regulatory Correctness

Complete
Information
Register

Increasingly, credit union IT departments and compliance officers are under siege. They are called upon to make feature-rich web banking sites available to their members. At the same time, they must provide for the online security of their members and meet their regulatory obligations.

A | Cybersecurity: FFIEC Initiatives & Observations

Complete
Information
Register

On November 3, 2014, the FFIEC issued a press release on Cybersecurity Assessment Observations and recommendations. The assessments were piloted at more than 500 community institutions in an effort to evaluate the institution’s preparedness to mitigate cybersecurity risks. The “general observations” provide suggestions for senior and executive management, including the Board of Directors to consider when evaluating their own institution’s cybersecurity preparedness.

A | Cybersecurity: Is Your Credit Union Penetrable?

Complete
Information
Register

Every day, hackers find new ways to breach cyberdata. How vulnerable is your members’ confidential information? Let security expert Steve Stasiukonis help you answer your cybersecurity questions as he discusses how to:

A | Dealing with a Third Party Data Breach

Complete
Information
Register

Even the most sophisticated information security systems may not always protect an institution but thorough preparation can help you avoid vendors that expose you to undue risk. If your financial institution’s vendors or major merchants are involved in a data breach, responding quickly and in compliance with all applicable laws can make the difference. Join Timothy Oppelt and Haley Rebel as they discuss the many facets of dealing with a third party data breach.

A | Deploying Remote Access Securely

Complete
Information
Register

Remote access is becoming common place in institutions today.  If you don’t
currently allow remote access you probably have employees asking for access or your pandemic plan notes “telecommuting” as an alternative for specific employees to reduce contact.  While the ability to access files and information on your computer remotely may be warranted for management, IT, and/or your MSSP there are risks associated.

A | Emerging Intellectual Property Topics

Complete
Information
Register

Your credit union’s brand is distinctive and well established. Now another company has suddenly started using it. What can you do?
Don’t miss this essential information for understanding how the world of intellectual property can affect your credit union.

A | ESIGN Compliance: The Electronic Signatures in Global and National Commerce Act

Complete
Information
Register

The Electronic Signatures in Global and National Commerce Act of 2000 clarified the validity, legality, and enforceability of e-signatures on most contracts or records communicated by electronic means.
Seventeen years later, this act has so dramatically changed the way we do business that it’s hard to remember a time when e-signatures weren’t acceptable.

A | Plastic Card Fraud & EMV

A | Europay, MasterCard, and Visa (EMV) Chip Technology

Complete
Information
Register

When should your credit union convert to chip-based credit and debit cards instead of the traditional magnetic stripe format? Countries all over the world have been using Europay, MasterCard, and Visa (EMV) chip technology for years, and the USA is ready to catch up and eventually eliminate the existing magnetic stripe solution. Recent retail store data breaches have created an even stronger impetus to implement this fraud resistant format. The technology may be just what your credit union needs to reduce plastic card fraud losses.

A | Facing Challenges from the Cyber Domain

Complete
Information
Register

The stark reality of 2016 is that American corporate and government cybersecurity teams were “…outgunned and outmaneuvered by both cybercriminals and nation-states.” Anyone who feels comfortable in their cybersecurity needs to know that everything in their life including medical devices – smartphones, tablets, pacemakers, wearable devices (“fitness bands” or emergency alert devices), and even their vehicles – is vulnerable to hacking and identity theft.

A | Fair Credit Reporting Act Compliance

Complete
Information
Register

Access to reasonably priced credit is an essential element in every member’s economic life and no factor is more important than their credit score. But what happens if there is a mistake in the score and it’s your fault? The worst thing you can do is nothing! Is your credit union ready to comply? The Fair Credit Reporting Act and FACT Act apply to every credit union that reports member information to a credit reporting agency, and the fines for improper reporting can be substantial.

A | Fair Lending Compliance for Non-Lending Staff

Complete
Information
Register

Does your non-lending staff understand what they can and cannot say when members ask about getting a loan? Are they unknowingly asking questions or making comments that violate Fair Lending rules?

A | Fair Lending Practices

Complete
Information
Register

What do examiners want to see in your fair lending policy? What provisions and preventions must it contain? You and your examiners both want your fair lending program to be the best it can be. Let compliance expert Linda Landis give you the rules and tools for refining your program as she discusses:

A | Fair Lending Regulations & Examinations: The Fundamentals of Fair Lending Analysis

Complete
Information
Register

Fair lending remains a major emphasis in examinations.  This session covers the regulations that deal with fair lending – Regulation B, Regulation C, and the Fair Housing Act.  We also discuss what a credit union can expect if faced with a Fair Lending examination and how credit unions can prepare.

A | FinCen & BSA Guidance for Serving Marijuana Related Businesses

Complete
Information
Register

In this webinar we will cover FinCen’s guidance in regard to Marijuana Related Businesses. We will also go over the guidance provided by the Department of Justice. You will hear about the core requirements for BSA, as well as various red flags associated with Marijuana Related Businesses.

A | Fundamentals of ACH

Complete
Information
Register

As more credit unions both receive and originate ACH entries, it’s vital that management, operations and member services staff understand the ACH network, applicable rules and associated risks. This ACH Basics session will focus on the fundamentals of ACH, including the history of the network, defining the parties of ACH transactions, their roles and responsibilities, and the transaction flow and settlement process.  In addition, we will cover all aspects of exception item processing, including your options in handling unauthorized transactions, stop payments or revoked authorizations. This is a basic overview of ACH and intended for individuals new to ACH  operations and front line staff.

A | Getting Ready for a Fair Lending Examination

Complete
Information
Register

When the examiners visit your credit union, will you be ready to prove your fair lending practices? Prepare in advance to meet examiner expectations by following the tips and information you’ll receive from Marissa Blundell of CliftonLarsonAllen. At the end of this session, you will be able to:

A | Hash Tags to Security Holds: Using Social Networking to Compromise a Credit Union

Complete
Information
Register

Within this presentation, you will learn how to steal an identity, defeat the perimeter controls of a network, and then ultimately gain physical access to a credit union. As social networking becomes an increasingly important role in business as well our personal lives, it also makes us much more vulnerable. The activity of wall posts, tweets, and videos by and between employees may reveal important company information or even security flaws that allow hackers to defeat our controls.

A | Health Savings Accounts — Here to Stay

Complete
Information
Register

Since the signing of the Affordable Care Act in 2010, the number of Health Savings Accounts (HSA) has almost tripled to more than 13.8 million accounts and total assets exceeding $24 billion. Clearly, this is a product that is skyrocketing in popularity. Are Health Savings Accounts right for your credit union? Only you can decide, but you need to know all the facts first. Let Kevin Boyles of Ascensus help you understand the pros and cons of HSAs as he discusses:

A | Home Mortgage Disclosure Act (HMDA) Reporting

Complete
Information
Register

The HMDA/Regulation C landscape has changed several times over the past few years.  Dodd-Frank created changes in loans covered under HMDA and information to be collected and reported about those loans. The 2018 regulatory relief legislation provided changes to some of the changes under Dodd-Frank. Needless to say, HMDA reporting for 2018 and 2019 is confusing.

A | Hot Button Examination Issues

Complete
Information
Register

With continued pressure on the NCUSIF, every credit union in the country should get ready for more regulatory scrutiny than ever. But with smart preparation, more scrutiny doesn’t have to mean more time spent on compliance. Believe it or not, the regulators are not trying to surprise you during the examination process. They give plenty of notice of their intended targets, if you know where to look.

A | How to Create & Manage Your Compliance Program

Complete
Information
Register

No matter how large or small, your credit union must have an effective plan for complying with the regulations that affect every facet of your operations, member interaction, and governance. This webinar will cover what it takes to build, implement, and maintain a comprehensive compliance program.

A | Identity Theft Red Flags

Complete
Information
Register

Don’t let old enemies come back and expose weaknesses in your security program. Identity Theft continues as one of the top threats our members and they are looking to the credit union to keep them safe in a dangerous financial world. The regulations identify numerous examples of identity theft warning signs and require every credit union to have a written identity theft prevention program. But bad guys continue to evolve and so do their techniques for stealing someone’s financial identity.

A | Introduction to Check Payments

Complete
Information
Register

Now more than ever, it is important to understand how a paper item becomes an image and an image becomes an Image Replacement Document. In this check essentials session, we will discuss the basics of checks and how they are processed, along with available products. We will also touch on Mobile Remote Deposit Capture and Remotely Created Checks and their associated warranties. This course is intended for individuals new to check operations, front line staff and individuals wanting to learn more about checks.

A | IT Audit101 - The Basics

Complete
Information
Register

A well planned and structured IT audit program evaluates the risk management program and processes, information and cyber security, internal controls, and IT policies and procedures. It is also required to meet regulatory compliance and is a best practice to ensure you are the best you can be.

It is a well-known fact that the stronger your audit program, the more examiners will rely on it and potentially spend less time in your institution examining.  Whether you are going to perform an internal audit, are building your audit risk assessment or program, or just want to make sure your auditors are doing a comprehensive review, this program is for you.

A | Lending to Service Members

Complete
Information
Register

Join Raza Ali and Robert Wilkins as they discuss the new Military Lending Act (MLA) requirements. Topics of discussions will include:

A | Loan Participation Due Diligence: Risk, Reward, and Regulations

Complete
Information
Register

“Due Diligence”: the two most important words in the loan participation process. Understanding just what questions to ask and starting small with what you know can help credit unions gain experience. Join us for an interactive discussion that will explore the risks, rewards, and regulations from experts in the field.

A | Member Business Accounts Compliance

Complete
Information
Register

What eligibility and documentation should you require to open a member business account? Join credit union compliance expert Mary-Lou Heighes as she gives you the know-how to open and maintain business accounts of all types and sizes. You’ll learn your credit union’s rights and responsibilities to your business account holders, including the eligibility your credit union must require for business accounts within your field of membership.

A | Merchant Data Breaches

Complete
Information
Register

Merchant data breaches are a major concern among credit unions, even with chip-enabled cards. Join expert presenter Ann Davidson as she discusses best practices your credit union can implement to help address and combat these breaches, including card fraud at ATMs, in the coming year.

A | Mortgage Loan Origination Compliance

Complete
Information
Register

Mortgage lending involves probably the most compliance issues of any credit union product or service. From Fair Lending to appraisals, finance charges to rescission, flood insurance, escrow calculations and disclosures - this webinar is designed for everyone from newly appointed loan officers to seasoned pros.  It will deal with both closed end first and subordinate liens and Home Equity Lines of Credit (they have more in common than many people think.)

A | Mortgage Loan Servicing Compliance

Complete
Information
Register

Once you’ve booked a mortgage loan, there are even MORE regulations to follow. This webinar focuses on the after-origination requirements under Truth in Lending and RESPA. From periodic statements to escrow analysis and requirements for collection and foreclosure, the rights and liabilities of the credit union and borrower stem from laws and regulations that must be obeyed.

A | New Financial Accounting Standards Board (FASB) Rules

Complete
Information
Register

This webinar will provide an update on significant accounting and financial reporting matters for financial institutions. It will also address future matters with a particular focus on developments with the proposed expected loss model and other recent accounting developments, including the activities of FASB, EITF, and AICPA.

A | Payments Fraud

Complete
Information
Register

Financial thieves are business people, just like us. Their job is to learn the cracks in our systems. Our job is to fill those cracks.

A | Plan Now for Cyber Attacks

Complete
Information
Register

How quickly and effectively would your credit union respond to a cyber attack?
Join risk expert Rayleen Pirnie as she explores current cyber threats that credit unions need to be prepared to address. Using real case studies, you’ll learn how these attacks disrupt credit union daily activities plus threaten revenue, payment operations, compliance obligations, and member security. Attendees will receive valuable resources and a cybersecurity checklist developed by an experienced payments attorney.

A | Plastic Card Fraud

Complete
Information
Register

Even with the growing popularity of mobile payments and the added security of “chip cards”, plastic card fraud is still rampant. What can you do to reduce your credit union’s plastic card fraud vulnerability and liability? To find the best way to deal with fraudulent transactions, start by knowing your credit union’s options, rights, and responsibilities. Join Becky Garton and Robert Jarosinski from CUNA Mutual Group as they discuss the fraud epidemic, strategies for fighting it, and ways to measure the effectiveness of your fight.

A | Preparing Your Credit Union's 5300 Call Report

Complete
Information
Register

Are you new to call reporting, or are you looking to solidify your understanding? The call report is an important document that is publicly available and used extensively by examiners and auditors to evaluate the risk and financial performance of your credit union. The stakes for accurate call reporting couldn’t be higher with potential penalties of up to $1 million. This informative webinar will cover the following:

A | Preparing Your Credit Union's ALM Strategies for the Regulators

Complete
Information
Register

How can you prepare your credit union’s ALM strategy to meet the requirements of the regulators on the Interest Rate Risk (IRR) measures of Net Economic Value (NEV) and Net Interest Income (NII), and still ensure you meet your profit needs within the requirements?

A | Record Retention & Destruction Rules

Complete
Information
Register

Is your credit union retaining electronic and hard copy business records in compliance with regulatory rules and guidelines?
A comprehensive, well-organized records retention system is essential for storing your important documents and producing them for audit and examination purposes, member inquiries, and litigation.

A | Regulation B: Equal Credit Opportunity Act

Complete
Information
Register

Have you and your credit union perfected the application process, with established procedures for reviewing and evaluating application information and consistently documenting credit decisions?Get the confidence to know you are in compliance. Let credit union compliance expert Tonia Taylor from PolicyWorks LLC give you the knowledge and tools you need to comply with the detailed requirements within Equal Credit Opportunity Act and avoid potential fair lending violations.

A | Regulation CC: It's More Than Just Holds on Checks!

Complete
Information
Register

New revisions to Regulation CC go into effect on July 1, 2018. Are you ready?
Join compliance expert Mary-Lou Heighes at this discussion of Regulation CC, including the new revisions relating to indemnity for Remote Deposit Capture. You’ll learn about the rules you must follow for deposit holds and availability of funds, the guidelines for special exceptions, hold disclosures and notices, as well as your credit union’s rights and liabilities for check collections and returns.

A | Regulation DD: Truth in Savings Act (TISA)

Complete
Information
Register

In the ever changing regulatory environment we can’t overlook the basics. Truth in Savings is receiving attention once again from examiners due to mergers and acquisitions as well as product changes to maintain a competitive edge and better serve your members. Please join Tonia Taylor, Compliance Manager from PolicyWorks, LLC to discuss Truth in Savings requirements for disclosures, account opening process, overdraft coverage and advertising. Topics to be addressed in this webinar include:

A | Regulation E Remittance Transfer Rules

Complete
Information
Register

Part 2 of the Three-part Wire Transfer Webinar Series

A | Regulation E: Electronic Funds Transfers

Complete
Information
Register

When Regulation E was first adopted in 1978, the number of electronic transactions was a fraction of what we see now. Keeping up with rule changes and staying compliant was much easier than in today’s electronic environment. How can you stay up-to-date on Regulation E requirements and issues? Join credit union compliance expert Michael Christians from PolicyWorks LLC for Regulation E basics and the latest interpretations of recent and future changes to this important regulation.

A | Regulation of Offsite Employee Activity

Complete
Information
Register

Consider this situation: When the workday is done and your employees are leaving, one employee follows, stalks, and makes sexually suggestive comments to another employee. The next day, a complaint is made to your human resources officer. What should you do? Can you – should you - enforce your workplace policies during off-duty hours? Where do you draw the line between workplace violations and employee rights? Get a clear picture of your credit union’s disciplinary responsibilities from human resources attorney Robert Wenzel in this hot-topic webinar, as he discusses:

A | Regulation V: Fair Credit Reporting Act

Complete
Information
Register

Designed to implement the Fair Credit Reporting Act (FCRA), Regulation V was enacted to ensure the accuracy and integrity of information maintained by consumer reporting agencies. It regulates the collection and use of consumer information and helps protect consumers from the inclusion of inaccurate information in their consumer credit report. In this webinar, Michael Christians of PolicyWorks LLC will discuss your credit union’s responsibilities under Regulation V. You’ll learn about:

A | Regulation Z: Truth in Lending Act (TILA) Compliance

Complete
Information
Register

The Truth in Lending Act, implemented by Regulation Z, was enacted to promote the informed use of consumer credit by requiring disclosures about its terms and costs. The Act also contains a number of substantive protections. Regulation Z, the Truth in Lending Act (TILA), protects consumers against inaccurate and unfair credit billing and credit card practices. It requires your credit union to provide borrowers with loan cost information so that they can comparison shop for certain types of loans.

A | Resolving Member Complaints & Transaction Disputes

Complete
Information
Register

Handling member disputes, complaints and error resolution has taken on a whole new dimension since Dodd-Frank. Are you familiar with the terms Unfair, Abusive and Deceptive as they relate to your handling of members when they have issues regarding their accounts? In this webinar we will explore:

A | Responding to Federal Levies

Complete
Information
Register

How should you respond if you receive a garnishment or levy requiring you to hand over a member’s funds? Where does your obligation to protect member funds end and your obligation to comply with the levy begin?
Get the information you need to handle these documents appropriately from attorney David Reed.

A | Responding to Federal Subpoenas

Complete
Information
Register

If you receive a federal subpoena requiring you to hand over a member’s confidential financial information, must you comply?
Almost every privacy law, rule and regulation requires us to protect our members’ financial data, but there are specific exceptions for subpoenas. There could even be penalties placed against your credit union If you fail to properly comply.
Get the information you need to handle federal subpoenas appropriately from attorney David Reed.

A | Responsibilities of the Beginning Security Officer

Complete
Information
Register

As a new credit union security officer, do you know what regulations and legal responsibilities you must follow? Your position is not just training staff on what to do during a robbery. It involves knowledge of the regulations, physical security, and how law enforcement operates.

A | Risk Management Basics: A Guide to Seven Categories of Credit Union Risk

Complete
Information
Register

Credit unions are in the risk business. Every product or service we offer carries the possibility of exposure or loss, but also the potential for increased financial stability and net worth.

A | S.A.F.E. Act & Other Loan Originator Requirements

Complete
Information
Register

The Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E.) is only one of the laws and regulations that employees who work in the mortgage department at the credit union have to be mindful of. The S.A.F.E. Act requires individual credit union employees who engage in residential mortgage loan origination to register with the Nationwide Mortgage Licensing System and Registry.

Even if you do not have to register under the S.A.F.E. Act, you are very likely covered by the similar requirements found in Regulation Z. In addition, there are certain restrictions and requirements related to appraisals, compensation, steering and approval and funding of loans. In this program, credit union compliance professional Mary-Lou Heighes will help you determine if your credit union must comply with the S.A.F.E. Act rules, and review the other regulatory requirements and restrictions

A | Skip Tracing

Complete
Information
Register

When delinquent borrowers or negative accountholders hide from your credit union, what resources and tools can help you locate them?
Even when loan or account documentation is sketchy, you can turn to the many Internet tools and locator resources that experienced skip tracers use. Presenter Rick Menton will show you the most effective and efficient ways to find missing members and help avert potential losses.

A | Smart Phone Lending and the Demise of Paper Loans

Complete
Information
Register

Millennial members of your CU have no patience for 20th-century, in-person lending customs. They want to shop for, apply for, and obtain loans electronically, with a minimum of eye contact and no need to hunt a parking space. They will have what they want – if not from your CU, then from a competitor. ATMs are for geezers without smartphones. 

A | Telephone Consumer Protection Act Compliance

Complete
Information
Register

Every credit union that uses a telephone or text messages to contact members should be familiar with the TCPA and its prohibitions, exceptions, and required disclosures.  When can you contact a member on his/her cell phone?  Is it OK to text fraud alerts?  Under what circumstances?  Can you send marketing messages?  Is the credit union’s phone system a “automatic telephone dialing system?”  In this program, Mr. Loritz will cover all of this, plus hot topics and emerging issues.

A | The Do's & Don'ts of ACH Dispute Handling

Complete
Information
Register

Financial institution retail centers and call centers are often faced with handling consumer disputes of ACH debits on their account. Many situations aren’t covered in the ACH rules book guidelines nor is here any clear direction from other resources. This session focuses on the most common disputes, and provides staff with a basic understanding of what is required to maintain compliance plus tips on handling these issues.

A | The Laws of Checking Accounts

Complete
Information
Register

Checks and checking accounts are governed by pages and pages of rules and regulations.Your members and examiners expect you to know and follow all those rules. Can you? Are you sure about the maximum amount of time you can hold funds from a check? Do you know who is liable when an endorsement or a signature is forged?

A | UDAAP: Do You Know It When You See It?

Complete
Information
Register

In this important session, Michael Christians of PolicyWorks will help you:

  • Gain a better understanding of what constitutes an unfair, deceptive or abusive act or practice
  • Identify areas of the credit union where UDAAP risk is most prevalent
  • Learn first-hand about UDAAP risk through case study analysis; and
  • Acquire tips and tricks that will help their institution mitigate UDAAP risk

A | Understanding the National Credit Union Share Insurance Fund (NCUSIF)

Complete
Information
Register

When members ask how much of their account balances are fully insured, how confident are you in your answer?
Get the expertise you need to help your members take full advantage of NCUSIF deposit account protection, even on the most complex account structures. Compliance expert Mary-Lou Heighes will show you how the use of various account ownership structures can give your members the reassurance and peace of mind that their funds are safe and secure.

A | Vendor Due Diligence

Complete
Information
Register

By now, you probably know that the NCUA requires that all federally-insured credit unions have a Vendor Management Program. What you may not know is that the NCUA also expects credit unions to develop their own, internal vendor management expertise – even if you’re using a vendor for most of the due diligence. After all, what good is getting due diligence information about a particular vendor if you don’t know what to do with it? In this 1.5 hour Program, you will learn:

A | When a Borrower Dies - Common Mistakes Made by Credit Unions

Complete
Information
Register

Join Bruce Pearson and Robert Wilkins as they navigate through the pitfalls of deceased member loans. From their experience, they have seen several common problems and will share with you relevant how-to advice.

A | When Social Media Attacks

Complete
Information
Register

Social media websites have changed the world. For all the good social media can provide as a marketing tool for attracting an ever-younger (and an ever-older) client base, it can also be used as a weapon against your credit union. Join security expert Barry Thompson as he reviews how, unmonitored, social media can become a nightmare for public relations. He will demonstrate how a social media attack can be constructed, causing negative publicity that tarnishes the image and member trust you have so carefully built. He will also discuss embarrassing problems that other businesses and financial institutions have had to handle -- and pro-active solutions that will keep your credit union in the "like" category.

A | Wire Fraud and Risk Mitigation

Complete
Information
Register

Part 3 of the Three-part Wire Transfer Webinar Series

A | Wire Transfer Basics

Complete
Information
Register

Part 1 of the Three-part Wire Transfer Webinar Series

A | Writing Policies & Procedures

Complete
Information
Register

Do you know the special techniques and skills you need for crafting your credit union’s policies and procedures?
The challenge of policy writing can be a daunting and demanding task, especially if your credit union is limited by staff size or access to policy-writing resources.

 

eTrain Online Testing

eTrain's robust online tests assess the knowledge testers gained after each training series. Based on a 70 percent pass-fail grading structure, test takers are informed of wrong answers to assist in the learning process. A certificate of completion can be saved and printed. Powered by ClassMarker.

We're Here

Finding online training is now easier! Streamlined search options, simplified navigation, and a responsive layout, allows you to find the training you need and want, quickly! With fewer clicks, you can easily search for topics in multiple categories, from Human Resource to Lending and Compliance!

Stay Connected

Phone: (800) 472-1702
etrain@etrain-cu.com


Search for eTrain Webinars