Email Marketing Compliance


Presented by: Andy Zavoina
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Marketing has been accumulating a long list of email addresses for customers and non-customers. All those registration cards and emails collected at the new accounts desk add up. What's Marketing supposed to do with these? Achieve 2020 marketing goals, that's what. And why not, everyone is doing it. But there are rules, and they are precise.

CAN-SPAM, the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 is more than a well thought out acronym. And while your bank has nothing to do with pornography, it may have everything to do with the reach of this law. Postage costs are not going down. If you want to save on postage, email is the better option, it's fast and it's cheap.

If your bank is sending commercial marketing messages via email, it is important that you understand the requirements CAN SPAM imposes on you. In this webinar we will discuss the information that must be included in your message to conform to the legal requirements. We will discuss the auditing process that should be a part of your annual audit calendar and risk management program. And we will discuss virtual red lining which has been happening. Through targeted email lists it's easy to violate fair lending and you may not even know it.

It is also important to understand the differences between marketing messages and those transactional in nature. The difference may be what is communicated, such as the delivery of disclosures. These have separate requirements.

Your marketing efforts may include contacting customers, both existing and those you want to capture to grow your market. Where do the Telephone Consumer Protection Act, the national Don Not Call registry and company specific DNC lists come into play? We'll discuss this so that you'll know when you need a policy and procedures and how to react to customers wanting to opt-out.

Join us for the one-hour review of CAN-SPAM.

About the Speaker: Andy Zavoina, CRCM, is an Executive Vice President and Chief Relationship Officer with the Glia Group, Inc., best known for its interest in He joined Glia and BOL in 2003.

Mr. Zavoina has been in finance and banking for 37 years. Over 20 years were with a two-bank holding company which had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He managed loan workouts, has been a consumer, commercial and real estate lender, managing those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks.

Andy is a frequent webinar presenter for BOL Learning Connect and a key contributor to conferences put on by BOL Conferences, Inc. In addition, Andy teaches live presentations at state association schools and regional compliance organizations across the U.S. and has served on the faculty of national banking schools. He has written articles and lectured on many facets of compliance, the use of the internet and technology as a tool, as well as compliance in cyberspace.

As a BankersOnline Guru, Andy assists banks in every day, and not so every day, compliance questions on BankersOnline, and other organizations.

Mr. Zavoina is a recipient of the American Bankers Association’s Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He is a past Chairman of the ABA’s Compliance Executive Committee, the Editorial Advisory Board for the ABA Compliance Magazine and served as a member of the ABA’s Compliance School Board. 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.

You can reach Andy on the Internet by using his e-mail address,, or visiting This program was recorded in its entirety in March 2020. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_email0320
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Thursday 16 January, 2020.

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