This course focuses on the ethical standards that should guide you and other employees at your financial institution. You will learn strategies that can help you minimize common areas of concern and work-related ethical dilemmas. As a financial institution employee, it’s important to understand the importance of how to act ethically, especially as conflicts arise.

This course provides an introduction and overview of identity theft. To apply the techniques to help prevent identity theft, it is also important to recognize identity theft’s impact on its victims and understand how perpetrators conduct this crime.

This course focuses on the fundamentals of the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act as they impact financial institutions. The SCRA and the Military Lending, although different in scope and specific application, both provide benefits and protections to members of the armed forces and impact financial institutions. The course will review the important rights and protections afforded servicemembers under these laws as they relate to financial institutions.

This course provides an overview of the Truth in Lending Act (TILA) and its implementing regulation, Regulation Z. The Truth in Lending Act has many requirements for different types of loans. The purpose of this course is to provide a high-level overview of the regulation.

This course provides an overview of the Equal Credit Opportunity Act and its implementing Regulation B, which prohibits discrimination in any aspect of the credit process on the basis of race, gender, marital status, religion, national origin, age, color, receipt of public assistance income, or the exercise of rights under the Consumer Credit Protection Act. Important regulatory restrictions and precautions are discussed in the course, that involve taking the credit applications, evaluating the application, notifying applicants of the credit decision, and maintaining records of the loan. Who and what are covered by the law are explored. Adverse action and appraisal disclosure requirements are explained.

The Bank Secrecy Act (BSA) and its related laws exist primarily to prevent money laundering and other illegal financial activity. To comply with the BSA, all financial institution employees must be able to detect and report suspicious activity. This course defines and identifies several types of suspicious activity and discusses your reporting responsibilities.

Explore the Expedited Funds Availability Act and Regulation CC. Learn about the importance of the EFAA and its impact to customers, exceptions, and the specific availability of particular funds.

This course adapts to the student’s learning based on the way they answer section Pre-Tests. This course covers the requirements of the Electronic Fund Transfer Act (EFTA) and Regulation E, such as information about covered transactions, consumer disclosures, the liability of consumers and financial institutions, error resolution requirements, and penalties for noncompliance.

This course covers the basic requirements of the Right to Financial Privacy Act (RFPA), with a discussion of its history and purpose, customer notification and government authorization requirements, and recordkeeping provisions. The course explains the exceptions to the act that allow financial institutions to release financial records without complying with the RFPA requirements. The penalties for noncompliance are also summarized.

Learn about the rules and regulations that govern deposit accounts. Topics include customer identity verification, account information disclosure, consumer reporting agency notices, deposited funds availability, electronic funds transfer and the amount of money kept in reserves.