Reg E Guidance & Violations Explained


Presented by:
Andy Zavoina

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This CD ROM will be available after August 15, 2021.

In early June 2021 the CFPB released a Compliance Aid on Reg E and electronic fund transfers. This does not contain "new" information or guidance intended to update Reg E and bring it into the 21st century we live in today. But understand that this 8-question FAQ was published because banks were having a difficult time complying with these rules. Banks are being penalized and consumers are being disadvantaged because these 8 rules are not being followed.

In a time of regulation by enforcement your bank needs to decide, does which side of the timeline it wants to be on, the "following the regulation" side, or the "enforcement" side?

We will discuss the finer points of the FAQ and other commonly cited Reg E/EFTA errors. This one-hour program is your opportunity to refine your Reg E procedures to ensure you understand, and can then comply, with the requirements many other banks are having problems with.

This program is not designed to teach the basics of Reg E or claims investigations. It is intended for those who want to verify their understanding of the rules, those who want to comply and not be penalized, and who are familiar with Reg E.

About the Speaker: Mr. 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 35 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 everyday, and not so everyday, 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 August 2021. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_regeguidance0821
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Wednesday 16 June, 2021.

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