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Course Details

Overdraft Services - Where Are We Now?

Webinar: ID# 1022837
Recorded CD
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About This Course:
Learn best practices to ensure your overdraft program is compliant and hear what the future may hold for overdraft protection.

Overdraft protection programs remain an important source of non-interest revenue for financial institutions and a popular consumer product. But overdraft programs are still a focus of intense scrutiny by regulators and litigation.

This webinar will help bank management and counsel and compliance, marketing and branch personnel understand the current legal environment by looking at the regulatory and supervisory landscape, analyzing programs under the unfair or deceptive acts or practices standards used by examiners and courts, and discussing best practices for such programs. We will also discuss whether additional rules and restrictions are in the offing for overdraft protection.

Agenda

The Current Regulatory Framework, Including Regulation E Rules Applicable to Debit Card Transactions and FDIC Guidance
Overdraft Litigation Update
UDAP and Overdraft Programs
  • How to Avoid Disclosure Pitfalls and Problems
What the CFPB Has Been Doing
  • Reports on Overdraft Practices and Their Effect on Consumers
  • Enforcement Actions
  • Plans for New Overdraft Rules
  • Will Small Banks Be Exempt?
About The Presenter

William E. Stern
  • Partner at Goodwin Procter LLP, in the firm's Financial Institutions Group and a member of its Banking, Consumer Financial Services, and FinTech Practices
  • Works on a variety of transactional and regulatory matters for Goodwin Procter's financial services clients
  • Regularly advises depository institutions and their holding companies on compliance with regulatory requirements related to capital, affiliate and insider transactions, permissible activities and investments, anti-money laundering rules, privacy requirements, trust department and asset management operations, and consumer protection
  • Has worked extensively with insurance companies, securities firms and other nonbank financial services providers to establish limited purpose trust banks and other nontraditional vehicles for providing fiduciary and asset management services
  • Has extensive experience representing thrift institutions and their holding companies, and has also worked with Goodwin Procter's bank holding company and financial holding company clients and with foreign banks to structure their banking and nonbanking operations in the United States and abroad in conformity with U.S. banking law and to complete bank merger and acquisition transactions
  • Has been selected for inclusion in Chambers USA: America‚Äôs Leading Lawyers for Business and Best Lawyers
  • J.D. degree, The George Washington University Law School; B.A. degree, Hamilton College
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Overdraft Services - Where Are We Now?
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