Overdrafts continue to be a hot-button issue with examiners as there has been a shift from "informing" consumers about their overdrafts to "protecting" them from excessive overdrafts. While there have been newer developments regarding multiple representment fees and transactions that authorize positive, settle negative, we are still waiting for the CFPB to undertake any major overhaul related to overdrafts.

It's imperative that you are aware of the current regulatory requirements, guidance and expectations to keep your bank out of trouble!What You'll Learn:

• Hot Spots, the Latest Guidance, Best Practices & Expectations
  
• Overdraft Proposal for Very Large Financial Institutions
  
• Multiple Representments & NSF Charges
  
• Authorized Positive Settles Negative Transactions
  
• Customer Communications & System Oversight
  
• Regulatory Exam Feedback
  
• Management & Frontline Oversight
  
• "Junk Fees" & UDAAP