Compliance Conference

Transcription

1 Compliance Conference Navigating the Compliance Roadmap August 29 & 30, 2017 Franklin Marriott Cool Springs New Speakers for 2017! Patti Blenden Dave Dickinson Leah Hamilton Financial Solutions Inc. Banker s Compliance Consulting Consultant, Origin Bank

2 Compliance Conference Navigating the Compliance Roadmap August 29 & 30, 2017 Franklin Marriott Cool Springs We all are concerned about regulatory requirements from past, present, and future changes. Do you ever feel lost? Don t let compliance be a roadblock for your organization. Negotiating compliance challenges remains a complex, burdensome task with all the sublime smoothness of finding an unknown destination without a GPS. With the right information, tools and support, your organization can navigate compliance flawlessly. Straighten the regulatory curves with the 2017 TBA Compliance Conference. Come join us, and together we will develop the roadmap that will help navigate the way! All you need is the plan, the road map, and the courage to press on to your destination. Earl Nightingale Be a part of the conference and hear from nationally recognized experts, regional, and local regulators on hot topics and examination concerns. The conference takes place over two days covering current topics and solutions. Take advantage of the opportunity to discuss your concerns and enjoy sharing and exchanging ideas with others facing the same regulatory changes. Who Should Attend Compliance officers, loan administration personnel, loan operations personnel, lenders, auditors, senior level officers, and others who have the primary responsibility of meeting the regulatory compliance requirements covered in these conference topics. The content is structured for those with intermediate to advanced levels of experience.

3 Day 1 7:30 a.m. Continental Breakfast Sponsored by KraftCPAs PLLC, Nashville, Tenn. 8:30 a.m. Welcome, General Session Room Tina Cline, CRCM, CCBIA, 2017 TBA Compliance Committee Chairman, First Vice President/Chief Compliance and CRA Officer/ Audit Manager, First Century Bank, Tazewell Debbi Moore, 2016 TBA Compliance Committee Chairman, Compliance Officer, Citizens Bank of Lafayette, Lafayette 8:45 a.m. Washington Update Rod Alba, Senior Vice President, Senior Counsel for Mortgage Markets, American Bankers Association, Washington, D.C. Based on what is happening across the country, Rod Alba will give us a view of what is currently taking place and how it is set to impact you and your bank going forward. 9:45 a.m. Break (make way to breakout sessions) 10:00 a.m. Breakout Sessions 1. HMDA Coverage, Part 1 David A. Dickinson, founder/ceo, Banker s Compliance Consulting, Central City, Neb. Are you overwhelmed by the impending 2018 HMDA changes? In need of direction or clarification on the new coverage rules? In this session you ll learn all about the 2018 HMDA bank and transaction coverage requirements. You will receive plain English interpretations, guidance and opinion related to: Bank coverage changes Who s in and who s out Reportable loans vs. reportable lines What s a dwelling Mixed use properties Mixed use loan/line purposes Covered transactions What s NOT covered Covered pre-approval programs

4 10:00 a.m. Breakout Sessions (continued) 2. UD(A)AP: Treading Waters Leah Hamilton, Executive Vice President, Chief Compliance Officer, Origin Bank, Dallas, Texas, Consultant Unfair, deceptive, misleading, confusing, abusive, consumer friendly, institution challenge feeling like you are drowning in the subjectivity of UDAAP? Come hear from Leah Hamilton as she sheds light on recent consent orders; what UDAP/UDAAP actually means and how to look for it. Hamilton will also include a review of scenarios to see how to spot UDAP/UDAAP concerns. 3. Deposit Hot Topics Michael O. Anderson, CRCM, Managing Director, ProBank Austin, Brentwood, Tenn. Truth-in-Savings/Regulation DD: emphasis on terminology consistency, advertising requirements, and prematurity notices Regulation E: emphasis on error resolution procedures, consumer liability, and overdraft services Expedited Funds Availability Act/ Regulation CC: emphasis on holds (Large Deposit and Doubt Collectability exceptions) Federal Reserve Act/Regulation D: emphasis with MMDA/ Savings account transaction limitations Fair Credit Reporting Act (FCRA): emphasis on adverse action notice requirements when opening deposit accounts Garnishment of Accounts Containing Federal Benefit Payments: emphasis on the importance of written procedures and retaining documentation 11:30 a.m. Break (make way to general session room) 11:45 a.m. Lunch, General Session Room Lunch sponsored by ProBank Austin, Brentwood, Tenn. Luncheon Speaker David A. Dickinson, founder/ceo, Banker s Compliance Consulting, Central City, Neb. Compliance Culture What s the recipe for having an effective compliance program? It starts with establishing a healthy culture the cornerstone to building a strong compliance program. During this session, Dickinson will discuss the importance of organizational health, dysfunctions, effective communication, and the enemies of unity. 1:15 p.m. Break (make way to breakout sessions)

5 1:30 p.m. Repeat Breakout Sessions 1. HMDA Coverage, Part 1 2. UD(A)AP: Treading Waters 3. Deposit Hot Topics 3:00 p.m. Break (make way to General Session Room) Sponsored by Elliott Davis Decosimo, LLC, Franklin, Tenn. 3:15 p.m. Regulatory Panel Moderator: Joey Croom, CRCM, CAMS, Senior Manager, Elliott Davis Decosimo, LLC, Franklin, Tenn. Chris Finnegan, Assistant Regional Director, Division of Depositor and Consumer Protection, Dallas Regional Office/Memphis Area Office, FDIC, Dallas, Texas Marvin Cure, CRCM, Compliance Lead Expert Support, Southern District, Office of the Comptroller of the Currency, Dallas, Texas Rachel Webster, CRCM, Director of Examinations, Federal Reserve Bank of Atlanta, Atlanta, Ga. In this session, attendees will have the opportunity to ask questions of the different agencies in advance and during this panel session. 4:30 Reception, Carothers Room & Patio 5:30 p.m. Sponsored by Banc Compliance Group, LLC, Franklin, Tenn. Day 2 8:00 a.m. Continental Breakfast Sponsored by Alexander Thompson Arnold, PLLC, Milan, Tenn. 9:00 a.m. Welcome, General Session Room 9:15 a.m. Breakout Sessions 1. HMDA Coverage, Part 2 T. Wayne Hood, Senior Vice President, General Counsel, SouthEast Bank, a subsidiary of Edsouth Services, Farragut, Tenn. The process for completing the HMDA LAR will change dramatically in The number of data points will more than double, and the number of data fields will more than quadruple. In some cases input into existing data fields will change, and many new data fields will have to be completed. Also, for the first time there will be free fill fields where text can be entered rather than numeric codes. In this session, Hood will focus on the what goes where and why portion of the new HMDA regulation.

6 9:15 a.m. Breakout Sessions (continued) 2. TRID: Construction Compliance & Other Updates Leah Hamilton, Executive Vice President, Chief Compliance Officer, Origin Bank, Dallas, Texas With the market shift from refi s to purchase, the construction loan has come to the forefront of TRID portfolios. Join Leah Hamilton as she explores your options in disclosing a TRID construction loan, including an example or two! Leah will also share with you recent updates, clarifications, and gotcha s on TRID rules. 3. Fair Lending Philip Welch, Senior Compliance Examiner, Nashville Field Office, FDIC, Nashville, Tenn. Mary Pinkston, Compliance Examiner, Division of Depositor and Consumer Protection, Nashville Field Office, FDIC, Nashville, Tenn. Self-testing is to determine whether the control group testers and target group testers receive the same treatment. Welch and Pinkston help participants understand lending patterns and emerging risks and how to identify and evaluate the risks through a risk assessment. The presenters will explore mapping and measuring the effectiveness of a Fair Lending program, including identifying and evaluating redlining risks, and how to ensure the effectiveness of a Fair Lending program. 4. Reg B & Reg E Patti Blenden, CRCM, founder/president, Financial Solutions Inc., Lake Lure, N.C. ECOA and Reg B have been a hotbed of activity recently with lots of new critical datapoints to describe your customers! As the foundational law and regulation for fair lending analysis, they provide important data to characterize your lending activity. Patti Blenden will review the new data and discuss the need for you to tell your story, instead of waiting for the data alone to speak on your behalf. The lively discussion will also cover the most frequently violated sections of Reg B, including appraisal disclosures and provision of appraisal copies, joint intent acknowledgment, and other sensitive Reg B requirements. No discussion of customer affirmation hot spots would be complete without a dive into the world of Reg E overdraft consent! Blenden will focus on a recent enforcement action alleging a coercive approach to an overdraft consent. 10:45 a.m. Break (make way to General Session Room) 11:00 a.m. Senior Compliance Officer Forum Preview Connie Edwards, president/ceo, Banc Compliance Group, LLC, Franklin, Tenn.

7 Join Connie Edwards for a preview of the Sr. Compliance Officer Forum in action. Come prepared to discuss your biggest compliance challenges and implementation issues that you struggle with on a dayto-day basis within your organization. Hear input from your compliance peers on how they are solving their compliance challenges and working towards a common goal. This will be an interactive session. 11:45 a.m. Break (clear room to allow for lunch set up) Noon Lunch Luncheon Speaker Patti Blenden, CRCM, founder/president, Financial Solutions Inc., Lake Lure, N.C. Compliance Issues with Commercial Lending: A rundown of the related regulations, Small business data collection-is it coming? Common commercial lending compliance errors! I ll just bet that your commercial lenders absolutely LOVE compliance right? They thank their lucky stars every day that compliance doesn t apply to them oh wait, it does! Blenden will do a quick rundown on the regulations that apply and ensure that you have identified your institution s potential pain points. It s a great time to identify applicable rules and regs before we have to consider the impact of the potential Dodd-Frank Act mandated small business data collection. Buckle up, there s lots to cover! 1:15 p.m. Break (make way to Breakout Sessions) Sponsored by Elliott Davis Decosimo, LLC, Franklin, Tenn. 1:30 p.m. Repeat Breakout Sessions 1. HMDA Coverage, Part 2 2. TRID: Construction Compliance & Other Updates 3. Fair Lending 4. Reg B & Reg E 5. Prepaid Cards/Accounts (single session) Amy G. Greene, CRCM, CAMS, CCBCO, Banking Team Supervisor, KraftCPAs PLLC, Nashville, Tenn. If your institution is currently offering or issuing prepaid cards, P2P transfers as well as a mobile wallet feature through your mobile app; you should be concerned with the new Prepaid Rule. 3:00 p.m. Conference Adjourns

8 Thank You Sponsors and Exhibitors Alexander Thompson Arnold, PLLC, Milan, Tenn. Banc Compliance Group, LLC, Franklin, Tenn. Compliance Alliance, Austin, Texas Elliott Davis Decosimo, LLC, Franklin Tenn. KraftCPAs PLLC, Nashville Tenn. Ncontracts, Brentwood Tenn. ProBank Austin, Brentwood, Tenn. SIGNiX, Chattanooga, Tenn. Get the Mobile App STAY UP TO DATE WHILE ON THE GO! Enjoy custom schedules, program maps, speaker bios, and extended information about this year s program! 4 EASY STEPS 1. Open or Download your Guidebook App 2. Select the box that says: Enter Passphrase 3. Type TBAcompconf17 4. Tap Get This Guide!

9 Compliance Committee Chairman: Tina Cline, CRCM, CCBIA, First Vice President/Chief Compliance and CRA Officer/Audit Manager, First Century Bank, Tazewell Jill Allison, Compliance Officer, First Bank of Tennessee, Dayton David Barnes, President/CEO, Civic Bank & Trust, Nashville Lori Barry, Vice President, Compliance Officer, CedarStone Bank, Lebanon Debbi Cook, Compliance Officer, Citizens Bank of Lafayette, LaFayette Leighanne Covington, Esq., Senior Vice President, Head of Bank Administrations & Compliance, TNBANK, Oak Ridge Joey Croom,CRCM, CAMS, Senior Manager, Elliott Davis Decosimo, LLC, Franklin Connie Edwards, CRCM, President/Owner, Banc Compliance Group, LLC, Franklin Amy Greene, Supervisor, KraftCPAs PLLC, Nashville Jonathan Hart, Compliance and CRA Officer, American Trust Bank of East Tennessee, Knoxville Kathy Hoskins, Enterprise Risk Officer, Citizens Bank, New Tazewell Brenda Jones, VP, Lending Compliance Officer, Heritage Bank, Clarksville/Hopkinsville Alecia Mathis, Senior Manager, CIA, CCBIA, Alexander Thompson Arnold, PLLC, Jackson Tommy Powell, Compliance Officer, Citizens Bank & Trust Company, Atwood Lynn Riddle, Vice President, Compliance and Audit, Apex Bank, Camden Karina Simon, Loan Compliance, The Hardin County Bank, Savannah Lauren Smith, CRCM, Vice President Risk Management, Decatur County Bank, Decaturville Tina Stalion, Vice President/Chief Compliance Officer/BSA Officer, Carroll Bank and Trust, Huntingdon Scott Williams, Partner, Attorney, Farris Bobango, PLC, Nashville Nikki Winters, CRCM, Senior Vice President, Compliance Director, FirstBank, Jackson

10 Hotel Information The Franklin Marriott Cool Springs (700 Cool Springs Blvd, Franklin, TN 37067) is headquarters for the conference. The hotel is holding a limited block of rooms on a first-come, first-served basis at a special group rate of $164 per night. Sunday, August 20, is the deadline for making reservations. When the allotted room block is sold out, room rates return to standard prices on a space-available basis, even if it is before the August 20 deadline. All unreserved rooms will be released for general sale after that date. Any reservation received after that date will be accepted on a space- or rate-available basis. Please make your overnight arrangements early to assure you receive the TBA special rate. To reserve your accommodations, contact the hotel directly at and specify that you are attending the Tennessee Bankers Association Compliance Conference. Parking: Hotel self-parking is complimentary. Program Fees Fee covers instruction; TBA Members / Associate Members Nonmembers continental breakfasts, refreshment breaks, and Early Registration $560 $1,120 lunch on both days; and Early registration deadline is August 15. reception on Wednesday. Please register early as Registration $590 $1,150 seating is limited. Dayof-Program registrants Day-of-Program $640 $1,200 include an additional $50 late registration fee. No written confirmation of seminar registration will be sent from the TBA. Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates. Continuing Education Credit Attendees qualify for 11 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge. Additional Information No advance preparation or prerequisites required Method of Delivery: Group-live Program Level: Intermediate to Advanced Go to TNBankers.org/education/events for information on attire, special needs, cancellation policy, inclement weather policy, additional continuing education credit information, photo policy, and antitrust policy. Debbie Brickles, IOM Senior Vice President of Training and Development dbrickles@tnbankers.org or

11 2017 Compliance Conference August 29 & 30, 2017 Franklin Marriott Cool Springs, Franklin, Tenn. Please print or type. List name and badge nickname for each attendee. 1. Name Nickname Title SS# 2. Name Nickname Title SS# 3. Name Nickname Title SS# Company Address City State Zip Phone Fax Contact TBA Members / Associate Members Nonmembers Early Registration $560 $1,120 Early registration deadline is August 15. Registration $590 $1,150 Day-of-Program $640 $1,200 2 WAYS TO REGISTER! 1. Register online with a credit card or ACH at 2. Mail this form, along with a check, to the address below. Please make check payable to Tennessee Bankers Association. Return completed form and check to: Tennessee Bankers Association Attn: Monique Jenkins 211 Athens Way, Ste 100 Nashville, TN Phone: or