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Course/Product Description
Title:

FDIC Guidance On Overdraft Protection

SKU:WC-1023914
Date / Time: Recorded
Format: Webinar
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Description:

Financial institutions have been increasingly relying on overdraft income in recent years, which includes fees collected from automated overdraft programs. With the increase in implementation of these programs, regulatory agencies have found a higher risk of harm to consumers, especially vulnerable consumers.

The FDIC has issued guidance to ensure institutional compliance with the various regulations of overdraft programs. With heightened oversight of these programs, officers and directors must understand what is required to maintain a compliant overdraft program and what pitfalls to avoid.

This webinar will help those responsible for overdraft programs understand best-practice measures for a program and how to implement effectively. In addition to reviewing the FDIC requirements and recommendations, you will review the broader regulatory landscape that impacts overdraft programs and understand how your respective institution can implement a program with fidelity.

AGENDA

Requirements of FDIC Overdraft Payment Program Guidance

  • Automated vs. Ad Hoc Programs
  • Excessive Use and Meaningful Follow-up
  • Fees
Additional Regulatory Requirements
  • Regulation E – Electronic Funds Transfer
  • Regulation DD – Truth in Savings
  • Regulation O – Insider Lending
  • Unfair Deceptive Abusive Acts and Practices
  • Oversight of Third Party Programs
Implementation Considerations
  • Disclosure Requirements
  • Board Involvement
  • Examinations
About The Presenter

Jesse R. Johnston
  • Associate Attorney at Dickinson Mackaman Tyler & Hagen, P.C. of Des Moines, Iowa
  • Practice emphasizes assisting large and small financial institutions understand and effectively implement regulations, merger and acquisitions, third-party vendor management, and advising directors on board governance
  • Presenter, "Ongoing Oversight of 3rd Party Vendors: How to Manage the Love-Hate Relationship," 2016 Iowa Banking Law Seminar, West Des Moines, September 7, 2016
  • Wrote "Common Sense Changes to Reduce Call Report Burdens", Iowa Banking Law Blog, August 22, 2016
  • Wrote "Some Regulatory Relief: Rule Amending GLBA Annual Notice Requirements Proposed", Iowa Banking Law Blog, July 14, 2016
  • Presenter, "You Are Your Brother's Keeper: Managing Third Party Vendor Agreements," 2016 Cybersecurity Seminar, Des Moines, June 24, 2016
  • Wrote "Credit Where Credit Is Due: Iowa Supreme Court Rules Overdraft Protection Is Not Credit", Iowa Banking Law Blog, January 27, 2016
  • Wrote "Marketing Service Agreement or Something More? CFPB Targets Mortgage-Related Companies", Iowa Banking Law Blog, November 13, 2015
  • Presenter, "Case Law Update", 2015 Employment Law Client Seminar, Dickinson, Mackaman, Tyler & Hagen, P.C., October 21, 2015, West Des Moines, Iowa
  • Presenter, "Recent Enforcement Actions", 2015 Iowa Banking Law Seminar, Dickinson, Mackaman, Tyler & Hagen, P.C., September 10, 2015, West Des Moines, Iowa
  • B.A. and J.D. degree, Drake University


Cannot Attend The Live Presentation?

This presentation is also available in a recorded format, in CD version, as shown in the pricing options below.

About Webcasts / Audio Conferences / Podcasts:

Webcasts, audio conferences, and podcasts are presentations that you attend via the Internet, phone, or mobile device at a specified date and time for "live" versions, or at your convenience for "recorded" and "On-Demand" versions.

The live versions are interactive, meaning that participants can ask questions in real time, plus are a very cost-effective form of training because 1) you receive fast, convenient learning without any out-of-office time; 2) you can invite as many colleagues as you'd like to listen in on a single phone line; 3) you incur no travel expenses; and 4) you and your colleagues are back at work immediately after the session ends!

And though with recorded versions you do lose the ability to ask questions, you gain the ability to hear the presentation numerous times and to share it with others in your office.

Handout materials and the phone number for live presentations are made available to you prior to the event via email from the presenter and from the "MyAccount" link on the menu bar. Copies of the presentations are included with recorded versions.

About The Provider: Lorman Education Services has provided educational seminars and online training for professionals since 1987.

Since then, we've kept thousands of professionals in the United States and internationally current on the most pressing topics in a rapidly changing marketplace of ideas. Like you, we understand the need for concise, accurate information.

That understanding underlies each Lorman course, presenting the latest information on the laws and regulations critical to your organization's successful daily operations.

Moreover, each course receives our painstaking attention to be certain both the faculty and participants receive the individual attention necessary to achieve maximum benefit from the materials.
More Info: Contact Us For More Information
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