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.

This course provides an overview of the important regulations and regulatory guidance concerning overdraft practices, both discretionary overdraft programs as well as automated overdraft programs operated by all types of financial institutions. The course alos discusses the elements of a good overdraft program.

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.

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

This course explores the E-Sign Act and its requirements, protections, and record retention protocols. The Electronic Signatures in Global and National Commerce Act, or E-Sign Act, safeguards the validity of electronic documents, records, and signatures.

This course provides an overview of the AML policies and procedures that MSBs must establish to meet minimum federal regulatory requirements.

This course explains the required information security program elements for your company, what controls need to be in place to mitigate security risks identified by the risk assessment, and how these elements and controls affect your responsibilities as an employee.

The Electronic Fund Transfer Act (EFTA) helps protect customers using various forms of electronic banking. The EFTA directs banks to offer customers a record for all customer transactions. This course examines customer disclosures, customer and money services business’s liability, error resolution procedures, remittance transfers, and noncompliance penalties.

The Bank Secrecy Act, or BSA, and its related laws exist primarily to prevent money laundering and other illegal financial activity. To comply with the BSA, all money services businesses, or MSBs, financial institutions, and certain other businesses within the U.S. must be able to detect and report suspicious activity to the Financial Crimes Enforcement Network, or FinCEN. This course defines and identifies several types of suspicious activity and discusses an MSB’s responsibilities for suspicious activity reporting.