Overdraft Programs: Mistakes and How to Avoid Them

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Overdraft Programs: Mistakes and How to Avoid Them

Tuesday, September 10, 2024

12:00 – 1:00 pm (Eastern Time)

Curriculum:

Overdraft Programs have always been a hot button area for examiners, especially for the CFPB, who has had Overdraft Programs on its radar since its inception. Yet despite the guidance, white papers and other communications that have been issued by the agencies, there is still confusion over which elements actually apply to the programs you offer. The regulators want to ensure your Overdraft Program practices do not intentionally or unintentionally result in consumer harm, and you want to protect your institution from UDAAP and other regulatory violations.

In this session we will review the regulatory guidance in detail. In addition, we will discuss best practices for disclosures, fees, accountholder education and marketing of your overdraft program. We will also review Overdraft Program issues identified through consumer complaints, examinations, and enforcement actions and provide recommendations for you to avoid similar mistakes.

Instructor

Dawn Kincaid

Brode Consulting – Compliance Consultant

Dawn Kincaid began her banking career working for a community bank, while attending The Ohio State University. She has nearly fifteen 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 Bank Operations for a central-Ohio based community bank, where she created and refined the bank’s policies and procedures, conducted self-audits and risk assessments, and organized implementation of new products and services. She has served in the roles of Compliance, BSA/AML, CRA, Privacy and Security Officer and led training initiatives, prepared due diligence information for and completed a variety of regulatory applications and coordinated internal and external audits and exams.

Attendance verification for CE credits provided upon request.

Webinar Sponsored by BankersHUB

If you are having issues with registering online, please contact CBAO's VP, Director of Education & Events, Malia Widder, (614) 610-1877.

Registration (Member/Non-Member Pricing)

Webinar and Playback* ($295/$445)
*Playback has no expiration.

Additional Hookup - Registering another banker from a different location ($185/$225)