Compliance concerns begin when a mortgage professional uses the telephone to solicit business from a consumer. Consumers have protection against unwanted telephone solicitations under the national Do-Not-Call Registry, the Telemarketing Sales Rule, and state do-not-call laws. This course explores the background and goals of the Telemarketing Consumer Fraud and Abuse Prevention Act and the Telephone Consumer Protection Act. It covers issues and provisions related to telephone solicitations, specifically the Do-Not-Call Registry.

Regulation U is a set of rules that banks and other lenders must follow when they lend money for buying or holding margin stocks. This course reviews the lending restrictions, applicability, registration, reporting, and other requirements of the regulation.

Laws and federal rules governing the confidentiality of consumer information include the steps financial institutions must follow in the event of a security breach. Fraudsters breach security, gain confidential information, and scam financial institutions by using pretext calling and social engineering. This course teaches countermeasures to those scams and how to reduce the likelihood of successful fraud.

Financial institutions handle and process large amounts of money, which makes them targets for criminals. This course discusses security threats to financial institutions posed by con artists, frauds, and scams as well as ways you can protect yourself, your institution, and your customers from frauds and scams.

This course analyzes the debit card interchange charge requirements and provides an overview of Regulation II. These standards must be fair to the debit card issuer and proportionate to the transaction costs. In other words, the fee should be based on how much it costs the bank to process the transaction. The course then investigates Regulation II's applicability, requirements, prohibitions, exemptions, and reporting and monitoring requirements.

In 2018, the California Legislature passed the California Consumer Privacy Act (CCPA) which expands existing requirements for protecting consumer information. The passage of Proposition 24 in 2020 led to the creation of the California Privacy Rights Act (CPRA). The CPRA was built on the existing CCPA creating new requirements, consumer privacy rights, and enforcement mechanisms. Effectively, the CPRA replaces the CCPA. 

This course covers how to survive an active shooter attack using the run, hide, fight tactic. It delves into critical incident management and how an emergency action plan can use the unique characteristics of financial institutions as assets to increase survivability. Finally, it describes how to identify and prevent violent behavior in the workplace.

This course provides an overview of the high-risk investment activities prohibited by the Volcker Rule and the activities that are permitted and exempt from the rule's requirements. The types of compliance programs are explained as well as the requirements that must be implemented based on the banking entity's assets.

The Foreign Corrupt Practices Act (FCPA) contains both rules that prohibit bribes to certain foreign officials and regulations for accounting practices. This course discusses both of these provisions and explains the "allowable payments" under the act.

This course provides an overview of the Americans with Disabilities Act (ADA), its purpose, and how its provisions are organized. This course will specifically focus on the requirements of Titles I and III of the ADA. Your financial institution must comply with the employment provisions of Title I and the public accommodations provisions of Title III presented in this course.