Annual LENDING Compliance Recap

Presented by: Andy Zavoina

While "you don't know what you don't know" in terms of recent lending compliance developments, you will still be held responsible for it. This is why a review of changes to the loan rules and Regs is important. You must confirm what you do know, and fill in any gaps to be compliant this next year. You do know about compounding interest. You don't want to know about compounding violations.

Compliance Officers are still dealing with TRID, HMDA and flood. There is a lot to address, plus 2022 has seen a few new and revised requirements. What's up with HMDA as the filing season is upon us, Military lending is being defined by enforcement, and the flood rules are always a major problem. And these are just three major examples that are enough to keep you busy all year. But wait, there's more.

Many banks suffered regulatory penalties. There are valuable lessons to be learned from another bank's mistakes and it may be your chance to tweak policies and procedures to avoid penalties under UDAAP, flood and various other penalties we can all learn from.

So, what's new, what's different, and what do you need to focus on in 2022? This recap will help you answer those questions.

Here are a few of the things we'll cover in this fast-paced t90 minute review:

• Small business data collection proposal with a rule soon???
• Reg Z updates
• Flood insurance
• HMDA updates
• Lending to the military, SCRA and MLA - lessons learned
• Fair lending
• Yes, more Fair Lending
• Debt collections
• Regulatory manual updates
• Legal cases of interest
• Regulatory penalties we can all learn from
• CFPB's QM rules
• And much more will be in a detailed reference manual.

WHO SHOULD ATTEND: This webinar is designed for everyone who manages and audits compliance and has lending related compliance responsibilities, including Compliance Officers, Auditors, Lenders, Loan Administration staff and senior management.

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 BankersOnline.com. He joined Glia and BOL in 2003.

Mr. Zavoina has been in finance and banking for 39 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, BankCompliance.com 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, andyz@bankersonline.com, or visiting http://www.bankersonline.com.

This program was recorded in its entirety in January 2023. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.