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It’s Time to Re-focus on Deposit Compliance

May 26, 2017 @ 8:00 am - 11:30 am CDT


Members: $40
Non-members: $70

A light breakfast is included. Please indicate any diet restrictions on your Registration.

For the first time in a long time, rates are rising, and as a result, compliance mistakes can become very costly. In addition, all of the regulatory agencies are focusing on the potential for consumer harm and looking at deposit regulations compliance from this very different perspective. It is time to revisit the deposit compliance regulations and ensure you aren’t caught unprepared by the evolving risk environment. Join CCA and your banking colleagues as we get a refresher course on deposit compliance and the evolving priorities of the regulatory agencies on deposit regulations and the potential for consumer harm.

Please send any questions you have for our speakers, in advance to: Speaker Questions.

Location: Northern Trust Building


  • Brian J Crow, CAMS, Executive Vice President, TCA
  • James F Dray, CRCM, President, TCA
  • Elizabeth M Snyder, CRCM, Senior Associate Financial Services, Plante Moran

Topics Include:

  • Refresher on Deposit Regulations – What they are, what they mean
    • Regulation E
      • Transaction Coverage
      • Consumer Liability Calculation
      • Error Resolution Procedures/Documentation requirements
      • Opt-in/Opt-out for one time ATM/Debit Cards
      • Description of how overdrafts can occur
      • Gift Card Disclosure Requirements
      • Update on status of Prepaid Access Rule
    • Regulation CC / Check 21
      • Completion of customer notice of hold
      • System calculation and proper release of holds
      • Processes consistent with stated policy
      • Substitute check disclosures
    • Regulation DD
      • Order of Payment of Checks
      • Advertising
      • Use of the word “Free”
      • Ad-hoc and courtesy pay overdraft programs
        • Disclosure of balances
        • Customer Communication
        • Continuous/Daily Overdraft Fees
        • 2005 Joint Agency Guidance
        • 2010 FDIC Guidance
        • CFPB updates
    • e-Sign
      • What constitutes demonstrable consent?
  • The Evolving Risk Environment
    • Consumer Harm and the Changing Focus of Compliance Examinations
      • Assessing Risk for Consumer Harm
      • Policy and Procedures
      • Training
      • New Products and Services
      • System Change Control
      • Compliance Monitoring/Audit
      • Consumer Complaints
      • Third Party Risk Management
    • Best Practices for Examination Preparation

Registration and Breakfast begins at 8:00 am
Session runs from 8:30 am to 11:30 am

Attendees are advised to arrive before 8:15 a.m. and be prepared to present photo ID.

Last day of registration is May 19, 2017

Important Message: CCA will no longer accept cash or checks as payment for meetings or membership dues. Payment is only accepted in advance by debit or credit card via our website. This important change is necessary to ensure receipt of payment. Registration for meetings or membership will not be considered complete without prepayment. CCA is no longer able to invoice for events and entry will be denied if payment has not been received. Payment can be made in advance using a debit or credit card via CCA’s PayPal page. Failure to pay in advance may result in removal of registration for the event.

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Speakers and Topics may be subject to change.

The session is pending for CRCM credits. 

This session is not to be recorded electronically without written permission from the Chicagoland Compliance Association and all speakers. materials and opinions shared from the speakers are not necessarily those of the organization they represent and therefore, unless otherwise indicated, should be assumed personal and not indicative of any implied liability or accountability back to the respective organization.
If after registering you do not see the “Thank You” page or you do not receive a confirmation email within two days, then your registration has not been received. Please email the CCA.

Reservation cancellations received by the CCA after the registration deadline will not receive a refund.

Registration has closed for this event.


May 26, 2017
8:00 am - 11:30 am CDT
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Northern Trust Building
50 S LaSalle St, 6th Floor
Chicago, IL 60603 United States
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