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Reg O and W: Dealing with Insiders

An in-depth discussion of dealing with insiders, including insider loans (Regulation O) as well as transactions with affiliates (Regulation W). We'll discuss regulatory requirements as well as best practices and recommendations.
Upcoming
DATE

Wednesday, July 15, 2026
11:00 am - 1:00 pm

INSTRUCTOR

Carl Pry

FORMAT

Webinar

CREDIT TYPE

2.5 CRCM Credits

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Auditing
  • Commercial/Business Lending
  • Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Reporting
  • Risk Management/Legal
  • Transaction Compliance
  • Bank Legal Counsel
  • Board Member
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Mortgage Lender
  • Risk Manager
  • Senior Management

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Handling transactions with an institution’s insiders can be tricky business – there are several important regulatory requirements to be aware of, primarily Regulations O and W.

Reg. O addresses loans to insiders. Do you have a solid idea of who (and/or what) the institution’s insiders are? It can change frequently.

Then you must deal with the myriad rules that apply when lending to them. Overdrafts in particular can be a thorny issue, and many institutions have found themselves in trouble due to their practices.

Regulation W is, in the minds of many, the most complicated regulation out there to monitor. Reg. W (which comes from the Federal Reserve Act Sections 23A and B) contains a multitude of requirements when dealing with transactions (and not just loans) with affiliates.

Keeping track of just who the institution’s affiliates are can be daunting enough. There are further collateral requirements to keep track of as well.

Many banks appoint a “Reg. O and W” Officer to monitor all these activities and assure compliance. In this webinar, we’ll detail the many requirements of Regs. O and W and provide tips to assure effective compliance management practices. We’ll talk about who the institution’s insiders and affiliates are and how to manage the many requirements.

What You'll Learn

  • Reg. O: Who are the institution’s insiders? Detailed definitions.
  • Handling the holding company and affiliate insiders
  • What is an “extension of credit” covered by Reg. O?
  • “General” restrictions that apply to all insiders
  • More specific restrictions that apply to a smaller group of insiders
  • Recordkeeping and recommendations
  • Reg. W: Who are the institution’s affiliates? Who is not?
  • What is a “covered transaction”?
  • Attribution and combination rules
  • Limitations on these types of transactions
  • Collateral restrictions
  • Prohibitions against low-quality assets
  • The “arms-length” rule

Who Should Attend

This session is ideal for anyone in the institution that manages transactions with insiders, including employees such as board members and executive officers, as well as affiliates. This includes testing and monitoring of appropriate transactions, as well as reporting.
Carl Pry

Instructor Bio


Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Advisor for Asurity Advisors in Washington, DC. Through his more than 35-year working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves as the Chair of the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.


Continuing Education Credit Information

Reg O and W: Dealing with Insiders has been approved for 2.5 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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