You don’t know X about Z


$295.00

Presented by: Mary Beth, John Burnett and Andy Zavoina     
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  The old adage "What you don't know can hurt you" holds true, even in the compliance context. Failure to get it right when it comes to Reg Z coverage, including the overall reg itself, as well as the variations in coverage triggers and exemptions for particular provisions within the reg, can cost your institution time and money.

There are dangers in over-complying. If you think it's a good idea to go ahead and use Reg Z disclosures on loans that are not subject to Reg Z, we will explain why it's not. If you think there is no harm in treating an application/loan as covered by Reg Z when it really isn't, we will sketch out repercussions to consider that will put the harm in perspective.

When you aren't sure whether a loan is subject to Regulation Z, it may seem like a good idea to take the "safe" choice and just provide the disclosures. That may have been the better choice in the past, but having a true understanding of what "consumer credit" comprises will serve your bank better, because the "conservative" approach of disclosing when in doubt is not the optimal choice for the bank's bottom line.

Assuming any loan secured by rental property is a business loan can have disastrous consequences. Conversely, if you wrongly regard certain types of rental property-related loan apps as being subject to Regulation Z, you will jump through hoops there is no need to jump through.

To avoid over-compliance, you need to know:
  • How the "primary" purpose test works
  • What is business credit
  • What is commercial credit
  • What is agricultural credit
  • What is organizational credit
  • What exemptions exist from each of the different sets of requirements under Reg Z
  • The three factors to look at when rental property is involved
  • How to tell if a trust as an applicant is exempt
  • The different scopes of coverage for different parts of Reg Z
And much more!

This program will make you a Reg Z coverage master!

WHO SHOULD ATTEND:
Compliance officers and auditors

About the Speakers: Mary Beth Guard currently serves as Executive Editor of BankersOnline.com, CEO of Glia Group, Inc. and Executive Editor of BankingQuestions.com. Since graduating from law school in 1980, Mary Beth has focused her work almost exclusively on the banking industry. Previously, Mary Beth served as EVP/General Counsel and COO for the Oklahoma Bankers Association, EVP of Specialized Services for Thomson Financial Publishing, and General Counsel for the Oklahoma State Banking Department. Mary Beth is on the advisory board for Bankers' Hotline. She has presented training programs for virtually every major national financial industry association, as well as more than a dozen state bankers associations and a host of other organizations. In addition, Mary Beth has written more than a thousand banking-related articles and is a BOL Guru.

John Burnett is a 1979 alumnus of the ABA National Compliance School, and served on its faculty for several years. He graduated with honors with the Class of 1990 from ABA's Stonier Graduate School of Banking. He is also a graduate of the BAI's and the Massachusetts Banker Association's Schools of Banking.

He joined Cape Cod Bank and Trust Company in 1971 and assumed his role as Compliance Officer in 1976. He also served as corporate secretary and secretary of CCBT's Board of Directors, as well as Clerk of the bank's holding company. John joined Glia Group, Inc., and became a part of the BOL Team in June, 2004.

Mr. Burnett is a former member chair of the Massachusetts Bankers Association Legal and Regulatory Compliance Committee, and of the American Bankers Association Compliance Executive Committee and NCS/NGCS Advisory Board. He served on ABA's Truth in Savings Task Force, and has served on several ABA and Massachusetts Bankers seminar panels.

Mr. Andy Zavoina, CRCM, is a consultant with the Glia Group, best known for his involvement with BankersOnline.com.

Andy has been in finance and banking for 22 years. Over 20 years were with a holding company with two Central Texas community banks that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. After starting in loan workouts, Mr. Zavoina has been a consumer, commercial and real estate lender and managed those departments as well as being the banks first Webmaster. He was responsible for compliance, management, auditing, and training for both banks.

Andy is a past Chairman of the American Bankers Association's Compliance Executive Committee. He was the 2003 recipient of the American Bankers Association's Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He currently serves on the Editorial Advisory Board for the ABA's Compliance Magazine, Compliance Action magazine, is a member of the ABA's Compliance School Board and is a BankersOnline Guru. He also served on the Texas Bankers Association's Compliance Committee.

He is a graduate of the ABA National Commercial Lending School, National Compliance and National Graduate Compliance School and is a Certified Regulatory Compliance Manager with the Institute of Certified Bankers. He has written numerous articles and lectured on compliance, the use of the Internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations. Internet policies and other compliance related programs are made available on his personal Web site.

This program was recorded in its entirety in November 2015. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_regz1115
  • Manufactured by: Glia Group, Inc.


This product was added to our catalog on Monday 27 July, 2015.

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