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Course/Product Description
Title:

FDIC Guidance On Overdraft Protection

SKU:WC-1030986
Date / Time: Recorded
Format: Webinar
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Description:

This class will provide a comprehensive look at overdraft programs, the benefits they provide to depository institutions and the compliance issues that they face.

Overdraft programs while maligned by consumer groups are valued services for many bank customers and important sources of revenues for banks. At the same time, because of the level of regulatory attention that they have received the supervisory expectations for these programs can be high and complex operational issues can raise compliance problems.

Learn about the issues and the potential pitfalls and some ways to avoid them.

AGENDA

Offering an Overdraft Program

  • Benefits
  • Risks
Types of Programs
  • No Commitment
  • Types of Transactions
  • Opt-in and Opt-out
  • Disclosed and Undisclosed Limits
  • Eligibility Criteria
  • Fees
  • Posting
User Characteristics
  • Inadvertent Users
  • High Users
  • Businesses
Regulatory Requirements
  • Regulation O-Executive Officers
  • Joint Guidance 2005
  • Reg DD 2006
  • Reg E Opt in 2009
  • FDIC Guidance 2010
Enforcement Issues
About The Presenter

Oliver Ireland
  • Senior Counsel at the firm of Morrison & Foerster LLP
  • Practice focuses on retail financial services and bank regulatory issues including consumer protection regulations and CFPB powers and initiatives, and all types of payment transactions, including compliance with NACHA rules
  • Previously a partner at the Firm and Associate General Counsel at the Board of Governors of the Federal Reserve System
  • Extensive experience in payment system issues including developing key Federal Reserve payment system initiatives including Regulation CC, Check 21, and the Federal Reserves Payments System Risk Policy, and well as participating in UCC drafting and international policy development on payment systems
  • J.D. degree, University of Texas School of Law; B.A. degree, Yale University


Cannot Attend The Live Presentation?

This presentation is also available in a recorded format, in On-Demand Or CD versions, 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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