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Overdraft Requirements & Best Practices

It’s imperative you are aware of the current regulatory requirements, guidance and expectations to keep your bank out of trouble!

OnDemand
Recorded Tuesday,
April 12th, 2022
Presented by Jerod Moyer
2.5 CRCM Credits
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Compliance
  • Lending
  • Compliance Officer
  • Customer Service Representative
  • Deposit Operations Manager/Specialist
  • Internal Auditor
  • New Accounts Representative
  • Senior Management

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Overdrafts continue to be a hot button issue with examiners as there has been a shift in mentality from “informing” consumers about their overdrafts to “protecting” them from excessive overdrafts. In late 2021, the CFPB fired several warning shots by issuing two separate reports, one on institutions’ overdraft reliance and one on overdraft fee amounts and policies. While the reports were full on a lot of statistics, it signaled the CFPBs promise to enhance enforcement in this area. It’s imperative you are aware of the current regulatory requirements, guidance and expectations to keep your bank out of trouble!

Covered Topics

  • Hot Spots, The Latest Guidance, Best Practices & Expectations
  • Available vs. Ledger Balances, Debit Card Holds & Multiple Fee Issues
  • Approved Positive Transactions that Settle Negative
  • Customer Communications & System Oversight
  • Regulatory Exam Feedback
  • Management & Frontline Oversight
  • UDAAP Angles
  • Your Questions & Much More!

Who Should Attend

This webinar is designed for the frontline, management, compliance officers, auditors, risk managers and/or other operations personnel.


Jerod Moyer

Instructor Bio

Jerod is the leader of Banker's Compliance Consulting's training productions. He is a nationally recognized speaker. Whether it's a conference, seminar, school, webinar or luncheon, it's easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker's Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Jerod likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!


Credit Information

Overdraft Requirements & Best Practices has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.