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Reg E Decoded: A Workshop on Electronic Funds Transfer Regulations

In this session, we will review the specific error resolution requirements of Reg E, discuss procedural best practices and provide tips on documenting your investigation. You will have the opportunity to break out into small groups to work through “real life” error resolution situations and discuss your process for meeting regulatory requirements and preventing costly losses. We will dive into the CFPB’s FAQs as well as recent examination findings to identify the errors most commonly made by financial institutions during the error resolution process and discuss how we can avoid similar issues at your institution.

OnDemand
Recorded Wednesday,
October 1st, 2025
Presented by Dawn Kincaid
2h 30m total length
3 CRCM Credits
$450.00 or 4 Tokens

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Auditing
  • Deposit
  • Deposit Compliance
  • Fraud
  • Compliance Officer
  • Customer Service Representative
  • Deposit Operations Manager/Specialist
  • Internal Auditor
  • New Accounts Representative
  • Teller
  • Training Manager
  • Trainer

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A recent Federal Reserve survey found that debit card fraud accounted for 39% of all fraud losses at financial institutions last year. Debit card usage is at an all-time high and this increased use exposes both your accountholder and you, their financial institution, to elevated exposure to account compromise and card fraud. To add insult to injury in each of the last several years, examiners have cited Reg E errors, specifically issues involving the error resolution process at financial institutions, in their top five regulatory issues during compliance exams.

What You'll Learn

  • Clarification of a Reg E “Error”: What errors trigger the EFT error resolution process and a review of consumer liability under the regulation.
  • Understanding Consumer Liability Under Reg E: What determines how much a consumer may be held liable for when an error occurs.
  • Breakdown of the Error Resolution Process: A review of error resolution timing requirements and discussion of the process to follow when you’ve wrapped up your investigation.
  • Review of Current Fraud and Scams: A thorough review of red flags for common types of fraud and scams facing your bank and its accountholders.
  • Workshopping “Real Life” Errors: You will be broken out into groups to work through “real life” situations and discuss how to apply your error resolution processes for each

Who Should Attend

This informative session will benefit operations personnel, compliance officers, risk officers, funds transfer personnel, internal audit, and personnel responsible for debit card/ACH transactions.

Dawn Kincaid

Instructor Bio

Dawn Kincaid began her banking career while attending The Ohio State University. She has 19 years of experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Dawn served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized the implementation of new products and services. Dawn has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits, and exams, and presented for numerous state associations.

Continuing Education Credit Information

Reg E Decoded: A Workshop on Electronic Funds Transfer Regulations has been approved for 3 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

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