SEE WHAT'S NEW

June 2026

Core Compliance Suite

June Bi-Monthly Compliance Briefing

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Directors Education Series

Alert! Executive Order and End to Debanking – 325385

This course provides an overview of regulatory expectations and evolving guidance related to debanking, derisking, and anti-money laundering compliance within financial institutions. It examines key policy developments, including the 2025 Executive Order addressing politicized or unlawful debanking, and highlights risks, regulatory actions, and best practices for managing customer relationships. The course also outlines practical steps institutions should take to ensure fair, risk-based decision-making and compliance with federal regulations.

Deposit Compliance Series (Breakthrough/Elevate/Expansion Packages)

Deposit Compliance - E3 Essentials – 322506

This course provides a high-level overview of key deposit compliance concepts and the regulations that commonly apply to deposit accounts. It focuses on awareness, helping employees understand why these requirements exist, what types of risks may arise, and when concerns should be escalated for further review. This course does not provide detailed procedural guidance, which is covered in separate regulation-specific training.

Lending Compliance Series (Breakthrough/Elevate/Expansion Packages) 

Commercial Compliance Overview - E3 Essentials – 321183

This course provides a high-level overview of key compliance laws that may impact commercial lending. It focuses on awareness, helping employees understand why these laws exist, what types of risks they address, and when a situation may require additional review or escalation. This course does not provide detailed procedural guidance, but instead builds foundational understanding to support responsible commercial practices.

Regulation Updates 

Regulation Z: Points and Fees

As of January 1, 2026, the Regulation Z adjusted points-and-fees dollar trigger for high-cost mortgages changes from $1,348 to $1,380, and the adjusted total loan amount threshold for high-cost mortgages changes from $26,968 to $27,592.

The following courses have been updated to reflect this regulation update: 

•  Home Ownership and Equity Protection Act (HOEPA) - E3 – 190715
• Home Ownership and Equity Protection Act (HOEPA) - E3 – WCAG - 208339

Maintenance Updates

The following courses have been updated:

• BSA Lenders - What's in the Box? – 3781
• CU - BSA Lenders - What's in the Box? – 43964
  Fixed typo: Scenario > Setting the Stage > Decision Point
  Old version: "Take a moment and think about what Jennifer should to before approving Jack's loan."
  New version: "Take a moment and think about what Jennifer should do before approving Jack's loan."
• Teller Talks - 04 - Common Check Scams – 233779
  Updated assessment question: Post-Test Q2
  Clarification: Changed the correct answer to: “B & C.”

May 2026

Core Compliance Suite

Service Member Issues

AAn in-depth discussion of the legal and compliance issues surrounding military customers, including the Servicemember Civil Relief Act (SCRA) and Military Lending Act (MLA).

Directors Education Series

Enforcement Actions and Regulatory Changes

This course provides an overview of recent enforcement actions and evolving regulatory changes impacting financial institutions. It highlights shifts in examination practices, compliance expectations, and emerging risk areas such as AI, digital assets, and fraud. Participants will gain insights into maintaining effective compliance programs amid regulatory uncertainty and learn how to strategically manage risk while “playing the long game” in a changing oversight environment. 

Enterprise Risk Management & Compliance Series (Breakthrough/Elevate/Expansion Packages)

Advertising Compliance Essentials - E3 – 316379

This course provides an essential overview of advertising compliance requirements, focusing on how to recognize regulated advertising, identify high-risk practices, and understand when additional disclosures or review may be required. This course is designed to build awareness, not to replace specialized training. Employees involved in advertising, marketing, or promotional activities should always follow institutional policies and escalate questions to compliance or marketing review teams when appropriate.

Americans with Disabilities Act - E3 Essentials – 318967

This course provides an essential overview of Americans with Disabilities Act (ADA) requirements for all employees. It focuses on recognizing nondiscriminatory practices, understanding inclusive service expectations, and knowing when to escalate ADA-related questions or situations for further review. This training is designed to build awareness and support respectful, compliant interactions, not to replace specialized HR or facilities training. 

Business Continuity and Disaster Recovery Essentials - E3 – 320936

This course provides an overview of business continuity concepts and focuses on the role employees play during a disruption. You will learn why business continuity matters, how disruptions may affect your work, and what actions you should take to support safety, communication, and recovery efforts. This course does not cover program design or technical recovery procedures, but instead emphasizes awareness, preparedness, and individual responsibility. 

Telemarketing Consumer Fraud and Abuse Prevention Act Essentials - E3 – 320911

This course provides an overview of telemarketing consumer protection requirements, including the purpose of the laws, the Do Not Call Registry, and common prohibited practices. It focuses on awareness and ethical conduct, helping employees recognize risky behavior and understand their responsibility to follow established policies and procedures.

Board of Directors Series (Breakthrough/Elevate/Expansion Packages) 

Elder Financial Abuse for the Board of Directors and Senior Management – 315261

This course is designed to provide directors and senior leaders with a governance-focused understanding of elder financial abuse risk. Rather than concentrating on front-line indicators or case management, the course emphasizes board accountability, escalation effectiveness, compliance management system (CMS) integration, and the governance breakdowns that most often lead to regulatory criticism. Participants will learn how regulators evaluate board oversight and what effective governance looks like in practice.

Fair Lending Overview for the Board of Directors and Senior Management – 315263

This course is designed to provide directors and senior leaders with a governance-focused understanding of fair lending oversight. Rather than emphasizing legal technicalities or operational mechanics, the course focuses on board accountability, examination expectations, the use of data in identifying risk, the influence of tone and culture, and the governance breakdowns that most often lead to regulatory criticism or enforcement actions.

Flood Insurance for the Board of Directors and Senior Management – 315341

This course is designed to provide directors and senior leaders with a governance-focused understanding of flood insurance risk. Rather than concentrating on technical determinations or loan-level procedures, the course emphasizes board accountability, examination expectations, consistency across products and systems, vendor and NFIP reliance, and the oversight failures that most often lead to repeat violations and enforcement actions. 

Loans to Executive Officers and Insiders (Regulation O) for the Board of Directors and Senior Management – 319378

This course provides directors and senior leaders with a governance-focused understanding of Regulation O oversight. Rather than emphasizing technical limits or underwriting mechanics, the course concentrates on board accountability, examiner expectations, insider lending risk patterns, governance drift around limits and exceptions, and the fiduciary responsibilities that underpin effective oversight.

Preparing for a Compliance Examination for the Board of Directors and Senior Management – 320274

This course is designed to provide directors and senior leaders with a governance-focused understanding of the compliance examination process. Rather than concentrating on examiner logistics or document production, the course emphasizes board accountability, regulatory expectations, information flow and escalation, examination outcomes, and the oversight failures that most often lead to repeat findings or enforcement action.

Restructuring the Financial Services Industry for the Board of Directors and Senior Management – 320280

This course provides directors and senior management with a high level, forward-looking perspective on how the financial services industry is evolving. Rather than offering a detailed historical or academic analysis, the course focuses on the forces reshaping the industry today and the governance implications boards must consider when overseeing strategy, risk, and long-term sustainability.

Security of Customer Information for the Board of Directors and Senior Management – 320736

This course provides directors and senior leaders with a governance-focused understanding of the Security of Customer Information Guidelines issued under the Gramm-Leach-Bliley Act (GLBA). Rather than emphasizing technical safeguards or system configurations, the course focuses on board oversight responsibilities, institutional risk, and how information security integrates with the compliance management system (CMS) and enterprise risk management. 

Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA) for the Board of Directors and Senior Management – 320742

While management and staff are responsible for identifying covered borrowers and applying specific protections, boards of directors and senior management are accountable for ensuring that policies, systems, training, and oversight are sufficient to comply with these laws. This course provides a governance-focused overview of SCRA and MLA requirements, emphasizing board responsibilities, institutional risk, and oversight expectations rather than operational execution. 

Unfair, Deceptive or Abusive Acts or Practices for the Board of Directors and Senior Management – 320758

Regulators expect boards of directors and senior management to set the tone for unfair, deceptive, or abusive acts or practices (UDAAP) compliance by fostering a culture that prioritizes fairness, transparency, and accountability. This course provides directors and senior leaders with a governance-focused understanding of UDAAP, emphasizing oversight responsibilities, risk assessment, and integration into the compliance management system (CMS). 

Bank, Credit Union, and Non-Bank Financial Services Catalogs: Employment Law (Breakthrough and NBFS Complete Packages) 

Code of Conduct

Code of Conduct reinforces the principles and standards that guide ethical behavior at work. It explains how to make responsible decisions, avoid conflicts of interest, and maintain respect and integrity in all interactions. Upholding these standards helps protect the organization, build trust, and ensure compliance with company policies and the law. 

Regulation Updates 

Overdraft Rules

Updates made throughout the course to reflect recent regulatory changes to overdraft rules.

The following courses have been updated to reflect this regulation update: 

•  Overdraft Protection - E3 – 246628 

Maintenance Updates

The following courses have been updated:

• CU - Advertising Compliance – 16339
• Fair Lending Overview – 66750
• CU - Fair Lending Overview – 67285
• Fair Lending Overview - WCAG – 142934
• AML for Customer Service Representatives – 16
• AML for Customer Service Representatives - WCAG – 168941
• Right to Financial Privacy Act (RFPA) - E3 – 150809
• Right to Financial Privacy Act (RFPA) - E3 - WCAG – 208932
• Politically Exposed Persons - PEPs - E3 – 141277
• Politically Exposed Persons - PEPs - E3 - WCAG – 208943

April 2026

Core Compliance Suite

April Bi-Monthly Compliance Briefing

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Directors Education Series

2604 - Changes in Fair Lending Enforcement for 2026 – 316156

This course reviews key changes to fair lending enforcement in 2026, including shifts away from disparate impact analysis and proposed updates to Regulation B and Section 1071. Participants will explore ongoing regulatory priorities, redlining risk, and what these changes mean for compliance strategy in an evolving oversight environment.

Lending Compliance Series (Breakthrough/Expansion/Elevate Packages) 

HMDA LAR & Prep Submission - E3 – 313179 + corresponding FAST Modules

The HDMA Loan/Application Register (LAR) is the official record used to report an institution's HMDA-reportable applications and loans. Preparing and submitting this data accurately is a critical compliance responsibility, and errors in filing can result in data resubmissions, regulatory scrutiny, and reputational risk.This course is designed for individuals involved in preparing, reviewing, andsubmittingHMDA data. It focuses on the execution of the HMDA filing process, including understanding the structure of the LAR, meeting submission timelines, preparing data for submission, resolving errors, and applying post-filing controls.

Lending Compliance Series (Breakthrough/Expansion/Elevate Packages)

HMDA Advanced - Reporting Logic & Data Integrity - E3 – 310863 + corresponding FAST Modules

The HMDA Loan/Application Register (LAR) is the official record used to report an institution’s HMDA-reportable applications and loans. Preparing and submitting this data accurately is a critical compliance responsibility, and errors in filing can result in data resubmissions, regulatory scrutiny, and reputational risk. This course is designed for individuals involved in preparing, reviewing, and submitting HMDA data. It focuses on the execution of the HMDA filing process, including understanding the structure of the LAR, meeting submission timelines, preparing data for submission, resolving errors, and applying post-filing controls.

Deposit Compliance (Breakthrough/Expansion/Elevate Packages)

Expedited Funds Availability Act: Regulation CC - E3 Essentials – 311625 + corresponding FAST Modules

This course provides an overview of the Expedited Funds Availability Act (EFAA) implemented by Regulation CC. The course begins by introducing Regulation CC basics, then covers the availability of funds. It also discusses Regulation CC exceptions.

Retail Banking (Breakthrough/Expansion/Elevate Packages) 

Accepting Negotiable Instruments - E3 Essentials – 311631 + corresponding FAST Modules

This course introduces you to the basics of accepting and cashing checks. The basic principles of negotiable instruments are covered. Also, because of the high level of check fraud, accepting checks poses an increased April 2026 Course Updates OnCourse Learning 3 | Page risk of financial loss for your institution. It is therefore important to understand the importance of verifying identity when cashing a check and recognizing certain signs of counterfeit or altered checks. As a result, your understanding of these rules is essential to minimizing those risks and protecting your institution.

Board of Directors Series (Breakthrough/Expansion/Elevate Packages) 

Anti-Money Laundering for Directors and Senior Management – 311524 

This course provides directors and senior leaders with a governance-focused understanding of AML risk. Rather than emphasizing technical requirements or transaction-level processes, the course focuses on board responsibilities, regulatory expectations, and the systemic failures that most often lead to enforcement actions. Participants will learn how AML risk manifests, how regulators evaluate board oversight, and what effective governance looks like in practice.

Bank Secrecy Act for Directors and Senior Management – 311555

This course is designed to provide directors and senior leaders with a governance-focused understanding of BSA oversight. The course concentrates on board responsibilities, leadership accountability, escalation, and the systemic weaknesses that most often lead to regulatory findings and enforcement actions. Participants will learn how regulators evaluate board oversight of BSA compliance and what effective governance looks like in practice.

Board Delegation of Operating Authority for the Board of Directors and Senior Management – 311556 

This course is designed to help directors and senior management understand how fiduciary duties support effective delegation, how authority should be clearly defined and documented, and how boards can hold leadership accountable without micromanaging. Rather than focusing on operational execution, the course emphasizes governance discipline, clarity of roles, and the behaviors that distinguish strong oversight from ineffective interference.

Community Reinvestment Act (CRA) for the Board of Directors and Senior Management – 311783

This course is designed to provide directors and senior leaders with a governance-focused understanding of CRA oversight. Rather than concentrating on operational activities or program mechanics, the course emphasizes board accountability, strategic alignment, assessment area governance, examination expectations, and the systemic oversight weaknesses that most often lead to regulatory criticism or adverse CRA ratings.

Compliance Management for the Board of Directors and Senior Management – 311784

This course is designed to provide directors and senior leaders with a governance-focused understanding of CMS effectiveness. Rather than emphasizing compliance mechanics or regulatory checklists, the course focuses on board responsibilities, reporting and escalation, cultural accountability, and the systemic weaknesses that most often lead to regulatory criticism. Participants will learn how regulators evaluate CMS oversight and what effective board engagement looks like in practice.

Compliance Check-In Series

Are You Sure About That Decision?

This scenario reinforces consistent, policy-based decisioning in lending. Learners practice applying objective criteria uniformly and resisting informal influence, ensuring fair lending compliance and defensible outcomes. 

Hold or Release? The OFAC Near-Match Challenge

This scenario reinforces proper response to potential OFAC matches. Learners practice stopping activity and escalating alerts for review without proceeding, dismissing alerts, or discussing sanctions concerns with customers. 

It Looks Real…But Is It? 

This scenario reinforces secure handling of customer information when requests are unverified. Learners practice following approved identity verification or escalation procedures rather than responding, requesting information via email, or ignoring suspicious communications.

Is This Discrimination…Or Just a Bad Look?

This scenario reinforces fair lending considerations in marketing and outreach. Learners practice identifying and escalating potential redlining risk when marketing strategies may disproportionately exclude protected classes.

The Weekend Problem

This scenario reinforces Regulation E error-resolution requirements. Learners practice initiating the investigation process immediately when unauthorized transactions are reported, regardless of timing, inconvenience, or perceived customer urgency.

Regulation Updates 

CDD Regulatory Updates

The following courses (along with their corresponding FAST Modules) have been updated to reflect this regulation update:

• Bank Secrecy Act for Customer Service Representatives – 24
• CU - Bank Secrecy Act for Member Service Representatives – 14072
• Bank Secrecy Act for Customer Service Representatives - WCAG – 168957
• Bank Secrecy Act for Lenders – 66741
• CU - Bank Secrecy Act for Lenders – 67364
• Bank Secrecy Act for Lenders - WCAG – 159467
• Bank Secrecy Act for Operations – 97
• CU - Bank Secrecy Act for Operations – 14095
• Bank Secrecy Act for Operations – WCAG – 168958
• Bank Secrecy Act Refresher – 2737

Maintenance Updates

The following courses (along with any accompanying FAST Modules) have been updated:

• Fair Lending Overview – 66750
• CU - Fair Lending Overview – 67285
• Fair Lending Overview - WCAG – 142934
• CU - Regulatory Compliance for Tellers – 14512
• CU - New Account Opening – 17192
• Understanding SBA Eligibility – 3624
• Understanding SBA Eligibility - WCAG – 179721
• GLBA Privacy (No Opt Out) - Regulation P – 66751
• FBO - Office of Foreign Assets Control (OFAC) – 115882
• Bank Secrecy Act and Anti-Money Laundering for Operations - E3 – 249669

March 2026

Directors Education Series

2603 - Call Report for the Board – 312653

This session provides directors with a practical overview of the regulatory purpose of Call Reports, key reporting requirements, and the board’s oversight responsibilities in ensuring accurate and timely regulatory reporting. Participants will gain insight into governance expectations, common risk areas, and best practices for maintaining strong internal controls and compliance with federal banking regulations. 

Bank and Credit Union Catalogs:

Enterprise Risk Management Series (Breakthrough/Expansion/Elevate Packages)

Customer Information Security Awareness (CISA): Threat Management - E3 – 302886 and corresponding FAST modules

This course equips financial institution employees with essential knowledge and practical skills for managing cybersecurity threats in the modern banking environment. Through exploration of defensive technologies, malware prevention strategies, and incident response protocols, participants will learn to identify, respond to, and mitigate security threats that target sensitive customer information.

Compliance Check-In Series

The Compliance Check-In Series delivers short, scenario-based training designed to reinforce critical regulatory concepts in a practical, real-world format. These interactive microsessions help financial institution staff apply compliance knowledge to everyday situations, improving retention, reducing risk, and strengthening your overall compliance culture without adding significant seat time.

New Account Intake: Something Doesn’t Add Up

This scenario reinforces secure handling of customer information when requests are unverified. Learners practice following approved identity verification or escalation procedures rather than responding, requesting information via email, or ignoring suspicious communications.

Why Is This Account Suddenly Active?

This scenario trains learners to recognize unusual activity on a dormant account and take appropriate escalation action. Learners practice identifying risk and following internal fraud or compliance procedures rather than ignoring activity, contacting the customer, or attempting to correct it themselves.

Just Give Them a Better Rate…No One Will Know

This scenario reinforces fair lending obligations when internal pressure conflicts with documented pricing standards. Learners practice applying policies consistently and declining undocumented exceptions, even when requests come from management or trusted colleagues.

The Borrower Who Won’t Answer… 

This scenario reinforces HMDA data collection requirements during in-person applications. Learners practice completing required demographic fields using permitted procedures when applicants decline to self-identify, without coercion or omission.

Did You Really Just Do That?

This scenario reinforces proper response to employee control overrides or self-access. Learners practice escalating potential insider misconduct through formal channels rather than addressing issues privately, correcting transactions, or minimizing risk based on dollar amount.

Lending Compliance Series (Breakthrough/Expansion/Elevate Packages)

Equal Credit Opportunity Act - Regulation B - E3 Essentials – 307970 and corresponding FAST modules 

This course delivers a focused overview of ECOA and Regulation B, highlighting key fair lending requirements related to credit inquiries, applications, decision-making, notifications, appraisal disclosures, and record retention to support consistent, compliant lending practices. 

Fair Lending Overview for Lenders - E3 Essentials – 308702 and corresponding FAST modules 

This course provides lenders with a practical understanding of fair lending responsibilities, prohibited practices, and key risk areas. Learners will review how fair lending requirements apply to everyday lending activities and how to recognize and avoid actions that could result in compliance violations.

Home Mortgage Disclosure Act - Regulation C - E3 Essentials – 308239 and corresponding FAST modules 

This course provides a foundational overview of the Home Mortgage Disclosure Act (HMDA), including its purpose, general reporting requirements, and the types of transactions and covered data. Designed for employees who need a high-level understanding of HMDA, it builds awareness of key concepts and compliance expectations without focusing on detailed reporting logic or filing procedures.

Deposit Compliance Series (Breakthrough/Expansion/Elevate Packages)

Electronic Funds Transfer Act - Regulation E - E3 Essentials – 310894 and corresponding FAST modules

This course offers a foundational overview of the Electronic Funds Transfer Act (EFTA) and Regulation E, focusing on consumer protections related to electronic fund transfers. Learners will gain an understanding of covered transactions, error resolution concepts, and compliance expectations at a general awareness level.

Maintenance Updates

The following courses have been updated:

• FAST Module: Telemarketing - from Advertising Compliance Course – 245911
• Roth IRA Overview – 3349
• Excess IRA Contributions – 3348
• Frauds and Scams - E3 – 237295
• CU - Unfair, Deceptive, or Abusive Acts or Practices for the Credit Union Refresher – 124196
• A Borrower's Right to Privacy in a Mortgage Transaction – 12271
• CU - A Borrower's Right to Privacy in a Mortgage Transaction – 45630
• A Borrower's Right to Privacy in a Mortgage Transaction - WCAG - 174873
• A Borrower's Right to Privacy - E3 – 176639
• Overdraft Protection Guidelines and Regulations – 34838

Retired Courses

The following course has been retired:

• A Borrower's Right to Privacy - E3 - WCAG – 208345

February 2026

Directors Education Series

2602 - One Big Beautiful Bill Act (OBBBA) for Directors – 307917

This course provides a director-level overview of the One Big Beautiful Bill Act (OBBBA), highlighting key regulatory, tax, and policy changes that impact financial institutions, consumers, and governance oversight. It translates complex legislative updates, ranging from HSAs and telehealth to CFPB funding, deregulation, lending, and tax provisions, as well as practical considerations and discussion points for boards and senior leadership.

Bank and Credit Union Catalogs:

Enterprise Risk Management Series (Breakthrough/Expansion/Elevate Packages)

Customer Information Security Awareness (CISA): Advanced Security Practices - E3 – 300298

This course provides financial institution employees with essential knowledge and practical skills for implementing advanced security practices to protect sensitive customer information.

Microlearning FAST Modules (Breakthrough & Elevate Packages)

Customer Information Security Awareness (CISA): Core Security Practices - E3

• FAST Module: Email and Internet Security
• FAST Module: Passwords
• FAST Module: Social Media Awareness
• FAST Module: Securing Computers and the Clean Desk Policy
• FAST Module: Securing Nonpublic Areas and Server Rooms

Customer Information Security Awareness (CISA): Customer-Facing Security - E3

• FAST Module: Personal Identification Numbers (PINs)
• FAST Module: Social Engineering Awareness
• FAST Module: Customer Requests for Information
• FAST Module: Online Banking Security Requirements
• FAST Module: IVR System

Customer Information Security Awareness (CISA): Advanced Security Practices - E3

• FAST Module: Securing Customer Information
• FAST Module: Network Security Guidelines and Data Encryption
• FAST Module: Information Disposal
• FAST Module: Device and Equipment Security
• FAST Module: Data Backup and Network Security
• FAST Module: Remote Access Standards
• FAST Module: VPN Security

Regulation Updates

CRA Asset-Size Threshold

Beginning January 1, 2026, the definition of a small institution under the Community Reinvestment Act (CRA) changes from having assets worth under $1.609 billion to $1.649 billion, the definition of a large institution changes from having assets worth over $1.609 billion to $1.649 billion, and the definition of an intermediate small institution changes from having assets worth between $402 million and $1.609 billion to between $412 million and $1.649 billion.

The following courses and their corresponding FAST modules have been updated to reflect this regulation update:

• Community Reinvestment Act (CRA) for Small Institutions - E3 – 175660
• Community Reinvestment Act (CRA) for Intermediate Small Institutions - E3 – 176174

Regulation C: Home Mortgage Disclosure Act (HMDA)

As of January 1, 2026, the Regulation C asset size threshold for exemption from collecting HMDA data will increase from $58 million to $59 million.

The following courses and their corresponding FAST modules have been updated to reflect this regulation update:

• Fair Lending Overview - For Lenders - E3 – 149461
• Fair Lending Overview - For Lenders - E3 - WCAG – 208344

Regulation Z: Threshold for Exempt Consumer Credit Transactions

As of January 1, 2026, the Regulation Z exemption threshold for loans not secured by real property or a dwelling increases from $71,900 to $73,400.

The following courses and their corresponding FAST modules have been updated to reflect this regulation update:

• TILA - Open-End Loans and Credit Cards - E3 – 193840
• TILA - Open-End Loans and Credit Cards - E3 - WCAG – 208923

Flood Insurance Penalties

As of January 15, 2026, the maximum penalty for violating flood insurance requirements is $2,675.

The following courses have been updated to reflect this regulation update:

• Flood Insurance – 32
• CU - Flood Insurance – 16373
• Flood Insurance - WCAG – 142943
• BOD - Flood Insurance – 13408
• CU - BOD - Flood Insurance – 45899
• BOD - Flood Insurance - WCAG – 179748

NMLS-Approved 20-Hour Pre-Licensing Courses’ 2026 Changes

Updates have been applied to the necessary SAFE Suite courses based on the NMLS-approved 20-hour pre-licensing courses. Updates include the various new threshold figures for 2026.

The following courses have been updated to reflect this regulation update:

• [SS Fed] Identifying High-Cost Mortgages and Higher-Priced Mortgage Loans – 84216
• [SS Fed] Home Mortgage Disclosure Act – 84889
• [SS Gen] Qualified and Non-Qualified Mortgage Programs – 88079
• [SS Gen] Conventional Mortgages – 88085
• [SS Gen] Nonconforming Mortgages – 88166
• [SS Gen] High-Cost Mortgage Loans – 88209
• [SS Gen] Higher-Priced Mortgage Loans – 88213
• [SS Gen] Reverse Mortgages – 88249

Regulation O Penalties

The following courses have been updated to reflect this regulation update:

• Customer Business Loan Compliance Overview – 34826
• CU - Member Business Loan Compliance Overview – 14413

FDIC Signage Updates

The following courses have been updated to reflect this regulation update:

• Federal Deposit Insurance Corporation (FDIC) – 20
• Federal Deposit Insurance Corporation (FDIC) - WCAG – 159438
• Nondeposit Investment Product Sales – 45117\
• CU - Nondeposit Investment Product Sales – 45584
• Nondeposit Investment Product Sales - WCAG – 179729
• Nondeposit Investment Products – 15487
• CU - Nondeposit Investment Products – 148
• Nondeposit Investment Products - WCAG – 142959
• Advertising Compliance – 8
• Advertising Compliance - WCAG – 142933

Maintenance Updates

The following courses have been updated:

• Federal Regulation of Real Estate Appraisals – 1899
• CU - Federal Regulation of Real Estate Appraisals – 17186
• Federal Regulation of Real Estate Appraisals - WCAG – 174818
• Home Mortgage Disclosure Act - Regulation C – 586680
• CU - Home Mortgage Disclosure Act - Regulation C – 75616
• Home Mortgage Disclosure Act - Regulation C - WCAG – 142944
• BOD - Flood Insurance – 13408
• CU - BOD - Flood Insurance – 45899
• BOD - Flood Insurance - WCAG – 179748
• Flood Insurance – 13408

Adaptive Course Updates

The following course(s) have been updated in the BECoursemaster/Online Courses environment:

• Ethics for Financial Institutions – Adaptive
• Suspicious Activity Reporting – Adaptive

Retired Courses

The following courses have been retired:

• Community Reinvestment Act (CRA) for Small Institutions - E3 - WCAG – 208964
• TILA - Open-End Loans and Credit Cards - E3 - WCAG – 208923
• Community Reinvestment Act (CRA) for Intermediate Small Institutions - E3 - WCAG – 208962

January 2026

Directors Education Series 

2601 - BSA and OFAC Update 2026 – 304990

This course provides a timely update on BSA and OFAC compliance in 2026, highlighting proposed regulatory changes, evolving risk assessment expectations, and practical guidance for managing high-risk customers, CTRs, SAR decision-making, and account closures. Participants will also explore the growing role of AI in BSA/AML programs, key OFAC compliance updates, and emerging risks in fentanyl-related regulations and enforcement actions.

Core Compliance Suite

2601 - Appraisal Bias, Reconsiderations of Value (ROVs), and Automated Valuation Models (AVMs):
Regulatory Expectations and How to Put Together Your Valuation Process

This session will help you understand valuation requirements, including credibility processes, instituting and maintaining a Reconsideration of Value (ROV) process, and handling Automated Valuation Models (AVMs). 

Bank and Credit Union Catalogs: Enterprise Risk Management Series (Breakthrough/Expansion/Elevate Packages)

Customer Information Security Awareness (CISA): Core Security Practices - E3 – 300298

This course provides an overview of information security guidelines that all financial institution employees must know. It covers foundational security concepts and outlines methods and protocols to protect customer-facing systems and the physical security of customer information.

Customer Information Security Awareness (CISA): Customer-Facing Security - E3 – 301859

This course provides an overview of information security guidelines that all financial institution employees must know. It covers foundational security concepts and outlines methods and protocols to protect customer-facing systems and the physical security of customer information.

Regulation Updates

The following courses have been updated: 

FHFA Loan Limits

The Federal Housing Finance Agency (FHFA) has announced that in 2026, the maximum conforming loan limit will be $832,750 (up from $806,500) for one-unit properties. The maximum high-balance loan limit will be $1,249,125 (up from $1,209,750).

The following courses have been updated to reflect this regulation update:

• Second-Lien Real Estate Mortgage Loans/Junior Real Estate Loans – 117
• Specific Program Guidelines: FHA, VA, USDA – 95403
• Specific Program Guidelines: FHA, VA, USDA - WCAG – 179742  

Regulation D Reserve Requirements 

As of January 1, 2026, the low reserve tranche amount is $674.1 million (up from $645.8 million), and the exemption amount is $39.2 million (up from $37.8 million).

The following courses have been updated to reflect this regulation update:

• Reserve Requirements - Regulation D – 45
• CU - Reserve Requirements - Regulation D – 23102
• Reserve Requirements - Regulation D - WCAG – 168992

Telemarketing Sales Rule Fees 

In 2026, the penalty for violating the Telemarketing Sales Rule increases from $51,744 to $53,088 for each violation.

The following courses have been updated to reflect this regulation update:

• Telemarketing Consumer Fraud and Abuse Prevention Act – 14468
• CU - Telemarketing Consumer Fraud and Abuse Prevention Act – 30275
• FSC - Telemarketing Consumer Fraud and Abuse Prevention Act (TCPA) – 29281
• Telemarketing Consumer Fraud and Abuse Prevention Act - WCAG – 174879

CRA Asset-Size Threshold

Beginning January 1, 2026, the definition of a small institution under the Community Reinvestment Act (CRA) changes from having assets worth under $1.609 billion to $1.649 billion, the definition of a large institution changes from having assets worth over $1.609 billion to $1.649 billion, and the definition of an intermediate small institution changes from having assets worth between $402 million and $1.609 billion to between $412 million and $1.649 billion.

The following courses have been updated to reflect this regulation update:

• Community Reinvestment Act (CRA) for Small Institutions – 57
• Community Reinvestment Act (CRA) for Small Institutions - WCAG – 168968
• Community Reinvestment Act (CRA) for Intermediate Small Institutions – 80
• Community Reinvestment Act (CRA) for Intermediate Small Institutions - WCAG – 168967
• Community Reinvestment Act (CRA) for Large Institutions – 4872
• Community Reinvestment Act (CRA) for Large Institutions - WCAG – 159443
• Community Reinvestment Act (CRA) Refresher – 64
• Community Reinvestment Act (CRA) Refresher - WCAG – 168969

Regulation Z: HPML Special Appraisal Exemption Threshold

As of January 1, 2026, the Regulation Z loan amount threshold for the exemption from HPML appraisal requirements increases from $33,500 to $34,200.

The following courses have been updated to reflect this regulation update:

• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616
• TILA - Beyond Basics - Certain Mortgage Loans - WCAG – 174791
• TILA - Closed-End Residential Real Estate Loans – 5451
• CU - TILA - Closed-End Residential Real Estate Loans – 24609
• TILA - Closed-End Residential Real Estate Loans - WCAG - 174792
• Truth in Lending Act - Regulation Z Refresher – 2732
• CU - Truth in Lending Act - Regulation Z Refresher – 124187
• Truth in Lending Act - Regulation Z Refresher - WCAG – 142946
• Federal Regulation of Real Estate Appraisals – 1899

Regulation Z: Points and Fees

As of January 1, 2026, the Regulation Z adjusted points-and-fees dollar trigger for high-cost mortgages changes from $1,348 to $1,380, and the adjusted total loan amount threshold for high-cost mortgages changes from $26,968 to $27,592.

The following courses have been updated to reflect this regulation update:

• Truth in Lending for Loans Secured by Real Estate - Regulation Z – 19948
• High-Cost Mortgages (HOEPA Loans) – 36
• CU - High-Cost Mortgages (HOEPA Loans) – 16380
• Residential Mortgage A-B-C - Mortgage Regulations – 49
• CU - Residential Mortgage A-B-C - Mortgage Regulations – 17156
• Residential Mortgage A-B-C - Mortgage Regulations - WCAG – 142953
• Truth in Lending Act - Regulation Z – 5442
• CU - Truth in Lending Act - Regulation Z – 17157
• Truth in Lending Act - Regulation Z - WCAG – 174790
• TILA - Beyond Basics - Certain Mortgage Loans – 5450

Regulation Z: Qualified Mortgages Points and Fees

For 2026, the Regulation Z qualified mortgage (QM) 3% points-and-fees threshold increases from $134,841 to $137,958

The following courses have been updated to reflect this regulation update:

• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616
• TILA - Beyond Basics - Certain Mortgage Loans - WCAG – 174791
• TILA - Closed-End Residential Real Estate Loans – 5451
• CU - TILA - Closed-End Residential Real Estate Loans – 24609
• TILA - Closed-End Residential Real Estate Loans - WCAG - 174792
• Truth in Lending Act - Regulation Z – 5442
• CU - Truth in Lending Act - Regulation Z – 17157
• Truth in Lending Act - Regulation Z - WCAG – 174790

Regulation Z: QM Small Creditor Asset Cap

For 2026, the small creditor asset cap increases to $2.785 billion, up from $2.717 billion in 2025.

The following courses have been updated to reflect this regulation update:

• Truth in Lending Act - Regulation Z – 5442
• CU - Truth in Lending Act - Regulation Z – 17157
• Truth in Lending Act - Regulation Z - WCAG – 174790
• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616
• Truth in Lending Act - Regulation Z - WCAG – 174790
• TILA - Closed-End Residential Real Estate Loans – 5451
• CU - TILA - Closed-End Residential Real Estate Loans – 24609
• TILA - Closed-End Residential Real Estate Loans - WCAG – 174792

Regulation Z: Threshold for Exempt Consumer Credit Transactions 

As of January 1, 2026, the Regulation Z exemption threshold for loans not secured by real property or a dwelling increase from $71,900 to $73,400.

The following courses have been updated to reflect this regulation update:

• Truth in Lending Act - Regulation Z – 5442
• CU - Truth in Lending Act - Regulation Z – 17157
• Truth in Lending Act - Regulation Z - WCAG – 174790
• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616
• TILA - Beyond Basics - Certain Mortgage Loans - WCAG – 174791
• TILA - Beyond Basics: Certain Home Mortgage Loans - E3 – 185713
• TILA - Open-End Loans - Credit Cards – 5443
• CU - TILA - Open-End Loans - Credit Cards – 24613
• TILA - Open-End Loans - Credit Cards - WCAG – 174796  

Regulation M: Threshold for Exempt Consumer Leases

As of January 1, 2026, the Regulation M exemption threshold for consumer leases increases from $71,900 to $73,400.

The following courses have been updated to reflect this regulation update:

• Consumer Leasing Act - Regulation M – 6
• CU - Consumer Leasing Act - Regulation M – 18757
• Consumer Leasing Act - Regulation M - WCAG – 174802 

Regulation C: Home Mortgage Disclosure Act (HMDA)

As of January 1, 2026, the Regulation C asset size threshold for exemption from collecting HMDA data increases from $58 million to $59 million.

The following courses have been updated to reflect this regulation update:

• Home Mortgage Disclosure Act - Regulation C – 58680
• CU - Home Mortgage Disclosure Act - Regulation C – 75616
• Home Mortgage Disclosure Act - Regulation C - WCAG – 142944
• Customer Business Loan Compliance Overview – 34826
• CU - Member Business Loan Compliance Overview – 14413
• Residential Mortgage A-B-C - Mortgage Regulations – 49
• CU - Residential Mortgage A-B-C - Mortgage Regulations – 17156
• Residential Mortgage A-B-C - Mortgage Regulations - WCAG – 142953
• Second-Lien Real Estate Mortgage Loans/Junior Real Estate Mortgage Loans – 117
• Fair Lending Overview – 66750

2026 IRA MAGI and Contribution Limits

The following courses have been updated to reflect this regulation update:

• Excess IRA Contributions – 3348
• IRA Contributions – 3005
• IRA Beneficiary Options – 3004
• IRA Distributions – 3006
• IRA Rollovers, Transfers, and Direct Rollovers – 3347
• SIMPLE IRA Basics – 3353
• Roth IRA Overview – 3349
• Traditional IRA Overview – 3345
• Education Savings Accounts – 3352
• Simplified Employee Pension (SEP) Plans – 3354 

FDIC Signage Updates 

The FDIC’s compliance date for its digital signage rules has been updated to January 1, 2027

The following courses have been updated to reflect this regulation update:

• Advertising Compliance – 8
• Advertising Compliance - WCAG – 142933
• Federal Deposit Insurance Corporation (FDIC) – 20
• Federal Deposit Insurance Corporation (FDIC) - WCAG – 159438

Maintenance Updates

The following courses have been updated:

• Bank Bribery Act - E3 – 159500
• Bank Bribery Act - E3 - WCAG – 208960
• CU - Truth in Lending Act - Regulation Z – 17157
• CU - Fair Lending Overview Refresher – 124155
• Fair Lending Overview: For Lenders - E3 – 149461
• Fair Lending Overview: For Lenders - WCAG - E3 – 208344
• Fair Lending Overview - Lending Staff ~ FAST ~ Home Mortgage Disclosure Act and Scenario-Based Challenges – 244164
• Fair Lending Overview - Lending Staff ~ FAST ~ Home Mortgage Disclosure Act and Scenario-Based Challenges – 297142
• Anti-Money Laundering (AML) – 66739
• CU - Anti-Money Laundering (AML) – 67338

November 2025

Directors Education Series 

2511 Fair Lending for the Board of Directors – 300323

This program provides board members with an up-to-date overview of fair lending in 2025, highlighting enforcement priorities such as redlining, appraisal bias, and algorithmic discrimination in AI and digital lending. It offers insight into evolving regulatory expectations, emerging risks, and the implications of ongoing litigation surrounding Dodd-Frank Act Section 1071.

2512 Cyber Crime, Identity Theft, and Regulation E – 300325

This session explores the growing risks of cybercrime and identity theft, detailing how financial institutions and consumers are affected, and outlining key responsibilities under Regulation E. Participants will learn best practices for recognizing scams, safeguarding data, and handling unauthorized electronic transactions in compliance with federal requirements.

Core Compliance Suite 

BSA Critical Issues and Updates

A lot is going on with BSA. In this webinar, we’ll cover new mandates, requirements, and recommendations. We’ll also talk about what’s coming and when and provide recommendations on how to deal with critical BSA/AML issues right now. 

Regulation Updates

The following courses have been updated: 

• Fedwire - Regulation J – 22
• CU - Fedwire - Regulation J – 14574
• Fedwire - Regulation J - WCAG – 168980
• Servicemembers Civil Relief Act (SCRA) - E3 – 146502
• Servicemembers Civil Relief Act (SCRA) - E3 - WCAG – 207364
• FSC - Servicemembers Civil Relief Act (SCRA) - E3 – 236520
• Servicemembers Civil Relief Act (SCRA) ~ FAST ~ SCRA Overview – 301450
• Servicemembers Civil Relief Act (SCRA) ~ FAST ~ SCRA Protections – 30144
• FAST Module: SCRA Overview - from Servicemembers Civil Relief Act (SCRA) course – 245259
• FAST Module: Military Lending Act - from the Servicemembers Civil Relief Act (SCRA) course – 24526

Maintenance Updates

The following courses have been updated: 

• FAST Module: Rules for Obtaining Consumer Reports - from Fair Credit Reporting Act (FCRA) Course – 245211
• Telemarketing Consumer Fraud and Abuse Prevention Act – 14468
• CU - Telemarketing Consumer Fraud and Abuse Prevention Act – 30275
• Telemarketing Consumer Fraud and Abuse Prevention Act - WCAG – 174879
• Americans with Disabilities Act - E3 – 177925
• Americans with Disabilities Act - E3 - WCAG – 208959
• FAST Module: ADA Overview - from the Americans with Disabilities Act Course – 248081 

October 2025

Directors Education Series 

25109 Unlocking the Door for Growth – 296669

This presentation explores strategic approaches for community financial institutions to drive growth through customer acquisition and core deposit expansion. It highlights industry challenges, shifting deposit trends, and the competitive landscape shaped by large banks. The slides offer actionable insights on marketing, product design, staff training, and leveraging branch capacity to build a foundation of low-cost funding and long-term profitability.

Core Compliance Suite 

2510 - Deposit and Operations Compliance in a Dynamic Regulatory Environment – 296431

This session provides a comprehensive overview of key federal regulations and compliance topics affecting deposits and operations, including UDAP/UDAAP, Truth in Savings, Electronic Funds Transfers, Funds Availability, Check 21, Privacy, and recent FDIC and OCC guidance on overdraft and NSF fee practices.

Regulation Updates

Executive Order Update

The following courses (and accompanying FAST modules) have been updated to reflect this regulation update:

• BOD - Fair Lending Overview – 13688
• CU - BOD - Fair Lending Overview – 45665
• BOD - Fair Lending Overview - WCAG – 179747
• Commercial Compliance Overview –29
• Commercial Compliance Overview - WCAG – 168966
• Fair Lending Overview – 66750
• CU - Fair Lending Overview – 67285
• Fair Lending Overview - WCAG – 142934
• Fair Lending Overview Refresher – 2770
• Fair Lending Overview Refresher - WCAG – 142939

ECOA Updates

The following courses (and accompanying FAST modules) have been updated to reflect this regulation update:

• Equal Credit Opportunity Act – Regulation B - E3 – 147116
• Equal Credit Opportunity Act – Regulation B - E3 - WCAG – 207361

Maintenance Updates

The following courses have been updated: 

• Safeguarding Customer Information - E3 – 247378
• Fair Lending Overview Refresher – 2770
• Fair Lending Overview Refresher - WCAG – 142939
• IRA Contributions – 3005
• Commercial Lending: Collateral - E3 – 204859
• Commercial Lending: Collateral - E3 - WCAG – 208333
• GLB Privacy (Opt-Out) - Regulation P - E3 – 155839
• GLB Privacy (Opt-Out) - Regulation P - E3 - WCAG – 208931
• GLB Privacy (Opt-Out) - Regulation P - E3 – 155839
• GLB Privacy (Opt-Out) - Regulation P - E3 - WCAG – 208931 

September 2025

Directors Education Series 

2509 - Exploding Check Fraud - Problem and Solutions – 294856

This session addresses the increasing problem of check fraud, focusing on key methods such as altered, counterfeit, and fraudulently signed checks. To reduce institutional losses, it emphasizes solutions such as teller training, positive pay services, and Regulation CC holds. The session also covers the roles that paying and depositary banks play in managing fraudulent checks.

Core Compliance Suite 

2509 - Bi-Monthly Compliance Briefing - August 2025 – 293867

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Fast Modules

• Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) for Customer Service Representatives - E3
• Bank Secrecy Act and Anti-Money Laundering for Lenders - E3
• Bank Secrecy Act and Anti-Money Laundering for Operations - E3
• Bank Secrecy Act and Anti-Money Laundering for Tellers - E3 
• Enterprise Risk Management - E3
• Regulation II: Debit Card Interchange Fees and Routing - E3 
• Regulation U - E3

Regulation Updates

The following courses have been updated: 

• Servicemembers Civil Relief Act (SCRA) – 53
• CU - Servicemembers Civil Relief Act (SCRA) – 17199
• Servicemembers Civil Relief Act (SCRA) - WCAG – 142945
• Telemarketing Consumer Fraud and Abuse Prevention Act – 14468
• CU - Telemarketing Consumer Fraud and Abuse Prevention Act – 30275
• Telemarketing Consumer Fraud and Abuse Prevention Act - WCAG – 174879
• FSC - Telemarketing Consumer Fraud and Abuse Prevention Act (TCPA) – 29281 
• Deposit Products and Services – 122
• CU - Deposit Products and Services – 18745 
• Deposit Products and Services - WCAG – 175014 

ECOA Updates

The following courses (and accompanying FAST modules) have been updated to reflect this regulation update:

• Fair Lending Overview - E3 – 147916
• Fair Lending Overview - E3 - WCAG – 208933
• Fair Lending Overview for Back-Office Operations Personnel - E3 – 282216
• Fair Lending Overview for Marketing Professionals - E3 – 283403
• Fair Lending Overview: For Lenders - E3 – 149461
• Fair Lending Overview: For Lenders - E3 - WCAG – 208344 
• Fair Lending Exam Management - E3 – 193238 
• Fair Lending Exam Management - E3 - WCAG – 208977 
• Commercial Lending: Fair Lending & Other Concerns - E3 – 204860
• Commercial Lending: Fair Lending & Other Concerns - E3 - WCAG – 208334 

Maintenance Updates

The following courses have been updated: 

• Flood Insurance - E3 – 1942340
• Flood Insurance - E3 - WCAG – 207363 
• FSC - Keeping It Fair - The Fair Lending Landscape – 13118 
• Office of Foreign Assets Control (OFAC) - E3 – 133590 
• Office of Foreign Assets Control (OFAC) - E3 - WCAG – 208941 
• Fair Lending Overview – 66750
• CU - Fair Lending Overview – 67285 
• Fair Lending Overview - WCAG – 142934
• CU - Bank Secrecy Act for Tellers - WCAG – 67365
• IRA Talks - 13 - IRS Reporting 1099R & 5498 – 237573 

August 2025

Directors Education Series 

2508 - What Directors Need To Know About Cybersecurity – 292616

This course provides an overview of cybersecurity responsibilities for directors, emphasizing the importance of proactive governance, risk management, and a security-conscious culture. It highlights key topics such as regulatory guidance, cyber risk management, board responsibilities, and emerging cyber threats. 

Core Compliance Suite 

2507 - The AI Revolution in Banking: Risks and Rewards – 292740

If you think your institution is not using artificial intelligence (AI), you’re very likely mistaken. AI-based technology has infiltrated the banking industry for years. Software that monitors BSA transactions typically uses AI in some form, as do many credit underwriting systems. Are you aware of how your institution uses these technologies? Have you identified the risks? 

2508 - What Directors Need To Know About Cybersecurity – 292616

This course provides an overview of cybersecurity responsibilities for directors, emphasizing the importance of proactive governance, risk management, and fostering a security-conscious culture. It highlights key topics such as regulatory guidance, cyber risk management, board responsibilities, and emerging cyber threats.

Board Fundamentals for Financial Institutions

In today’s complex and highly regulated financial landscape, the role of a financial institution’s board has never been more critical—or more scrutinized. New board members are often accomplished professionals, yet many enter the role without a full understanding of the unique governance, regulatory, and operational challenges specific to the banking industry. As expectations for board oversight, strategic guidance, and risk management continue to rise, there is a clear market need for structured, accessible training that equips new board members with the foundational knowledge required to contribute effectively from the outset. This series addresses that need by delivering targeted, industry-specific education that bridges the gap between professional experience and effective board governance in the financial sector.

An Introduction to Board Governance – 290989 

13-minute duration. This course provides new board members with a foundational understanding of corporate governance, their key roles and responsibilities, and the structure of board committees. Participants will explore best practices in governance, fiduciary duties, and boardroom dynamics to enhance decision-making and effective oversight.

Financial Institution Overview – 291016

20-minute duration. This course provides new board members with a high-level understanding of the banking and financial services industry, key financial products, and various business models. Participants will also explore emerging trends, such as FinTech and digital transformation, to better navigate the evolving financial landscape.

Risk Management and Regulatory Compliance – 291029

20-minute duration. This course equips new board members with a foundational understanding of risk management and regulatory compliance in financial institutions. Participants will explore key financial risks, enterprise risk management frameworks, and critical regulations, including Basel III, DoddFrank, and AML/KYC, as well as emerging cybersecurity and data privacy challenges

Corporate Strategy and Long-Term Planning – 291010

9-minute duration. This course provides new board members with essential insights into corporate strategy and long-term planning for financial institutions. Participants will learn how to set strategic goals, evaluate mergers and acquisitions, optimize capital allocation, integrate ESG considerations, and navigate competitive market dynamics to drive sustainable growth.

Board Committees – 290999

18-minute duration. This course provides new board members with a comprehensive understanding of the key roles and responsibilities of board committees. Participants will explore the functions of audit, risk, compensation, and governance committees, gaining insights into financial oversight, risk management, executive compensation, and board development to ensure effective corporate governance.

Ethics, Integrity, and Corporate Culture – 291011

8-minute duration. This course explores the importance of fostering an ethical corporate culture, addressing conflicts of interest, and maintaining independence. It also covers the board's role in promoting diversity, equity, and inclusion (DEI), as well as the impact of corporate social responsibility (CSR) and environmental, social, and governance (ESG) considerations in today's business landscape.

Executive Leadership Oversight – 291013

8-minute duration. This course provides an in-depth look at the board's role in CEO selection and evaluation, succession planning for senior executives, and the design of executive compensation and incentive structures. It also covers the importance of performance monitoring and ensuring accountability within executive leadership.

Stakeholder Engagement – 291033

12-minute duration. This course examines the board's role in managing shareholder relations, navigating regulatory communication and reporting requirements, and effectively engaging with customers and other key stakeholders. It also covers strategies for crisis management and maintaining transparent public communication. 

Regulatory and Legal Accountability – 291025

25-minute duration. This course provides a comprehensive overview of regulatory investigations and enforcement actions, outlining the legal responsibilities of board members in ensuring compliance with regulators. It also covers key legislation such as Sarbanes-Oxley (SOX) and Dodd-Frank, focusing on their impact on corporate governance and accountability.

Financials 101 – 291021 

24-minute duration. This course provides a foundational understanding of financial statements, including the balance sheet, income statement, and cash flow statement, along with key financial ratios and metrics used to analyze bank performance and profitability. It also covers bank capital requirements, regulatory considerations, and the importance of audits and internal controls in ensuring financial integrity.

Regulation Updates

The following courses have been updated to reflect this regulation update:

• Equal Credit Opportunity Act - Regulation B - 66737
• CU - Equal Credit Opportunity Act - Regulation B – 67280
• Equal Credit Opportunity Act - Regulation B - WCAG – 159447
• Equal Credit Opportunity Act - Regulation B Refresher – 2734 
• CU - Equal Credit Opportunity Act - Regulation B Refresher – 124138
• Equal Credit Opportunity Act - Regulation B Refresher - WCAG – 142936
• Fair Lending Overview – 66750 
• CU - Fair Lending Overview – 67285
• Fair Lending Overview - WCAG – 142934
• Fair Lending Overview Refresher – 2770

CIP TIN Exemption Order

ECOA Updates

The rules for obtaining customer TINs have been changed.

• Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) - E3 – 135222
• Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) - E3 - WCAG – 208933
• Bank Secrecy Act and Anti-Money Laundering for Lenders - E3 – 249626
• Bank Secrecy Act and Anti-Money Laundering for Operations - E3 – 249669
• Customer Identification Program (CIP) - E3 – 133458
• Customer Identification Program (CIP) - E3 - WCAG – 208937 

Maintenance Updates

The following courses have been updated: 

• Expedited Funds Availability Act - Regulation CC Refresher – 2736
• CU - Expedited Funds Availability - Reg. CC Refresher – 21650
• Expedited Funds Availability Act - Regulation CC Refresher - WCAG – 142937
• FAST Module: Collecting Customer Information - from the Customer Identification Program (CIP) Course – 244249 
• CAN-SPAM Act - E3 – 281956 
• CU - Anti-Money Laundering (AML) – 67338
• [SS Eth] Fraud Detection, Reporting, and Prevention – 88472
• Military Lending Act - E3 – 67285
• Military Lending Act - E3 - WCAG – 208347

The following courses have been reviewed for normal course maintenance, with minor adjustments to wording as necessary: 

• Expedited Funds Availability Act - Regulation CC Refresher – 2736
• CU - Expedited Funds Availability - Reg. CC Refresher – 21650
• Expedited Funds Availability Act - Regulation CC Refresher - WCAG – 142937
• FAST Module: Collecting Customer Information - from the Customer Identification Program (CIP) Course – 244249 
• CAN-SPAM Act - E3 – 281956 
• CU - Anti-Money Laundering (AML) – 67338
• [SS Eth] Fraud Detection, Reporting, and Prevention – 88472
• Military Lending Act - E3 – 67285
• Military Lending Act - E3 - WCAG – 208347

July 2025

Directors Education Series 

2507 - BSA/AML/CFT and OFAC Update – 291161

In this course, we will discuss the significant fines against major banks, new AML program rules, and the Corporate Transparency Act. It emphasizes the importance of risk assessment, beneficial ownership reporting, and compliance with national priorities to prevent financial crimes.

Core Compliance Suite 

2506 - 2025 Fair Lending All-Day Live Streaming – 291315

Despite news to the contrary, fair lending continues to be a very hot topic in 2025, even with a constant flow of new developments and expectations. Lenders continue to have important legal obligations to fulfill, and litigation is becoming more prevalent. As well, the states have begun acting to “fill in the gaps” in perceived retrenchment of enforcement. Over the past few years, we’ve seen new requirements and enhanced enforcement we must monitor. 

2506 - Bi-Monthly Compliance Briefing - June 2025 – 291316

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Transaction Compliance Series (Course added to Breakthrough, Expansion, and Elevate packages)

Elder Financial Abuse - E3 2025 Refresh – 287841

This course explains elder financial abuse by teaching you how to recognize the different types of abuse, who the typical perpetrators of abuse are, and how to identify the victims of abuse. The course also illustrates ways that you can detect and prevent elder financial abuse in your institution. The appropriate response to financial abuse will be demonstrated through illustrations and case examples.

Regulation Updates

CIP TIN Exemption Order

The rules for obtaining customer TINs have been changed.

The following courses have been updated to reflect this regulation update:

• Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 76
• DB - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 48193
• CU - Member Due Diligence and Enhanced Due Diligence (MDD/EDD) – 14207
• Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) - WCAG – 159462 
• Customer Identification Program (CIP) – 66743 
• CU - Member Identification Program (MIP) – 67496
• Customer Identification Program (CIP) - WCAG – 159463
• Bank Secrecy Act for Customer Service Representatives – 24
• CU - Bank Secrecy Act for Member Service Representatives – 14072
• Bank Secrecy Act for Customer Service Representatives - WCAG – 168957

FDIC Signage Updates

The following courses have been updated to reflect this regulation update:

• FAST Module: Coverage for Other Accounts - from the Federal Deposit Insurance Corporation (FDIC) Course – 245329

Maintenance Updates

The following courses have been updated: 

• FAST Module: Customer Identification Program Summary - from the Customer Identification Program (CIP) Course – 244239 
• Expedited Funds Availability Act - Regulation CC - E3 - 152067 
• Expedited Funds Availability Act - Regulation CC - E3 - WCAG – 207368
• FAST Module: Availability of Funds Requirements - from the Expedited Funds Availability Act: Regulation CC Course – 244507 
• Customer Identification Program (CIP) – 66743 
• Truth in Lending Act: Regulation Z - E3 – 183946
• CU - Fair Credit Reporting Act (FCRA) Refresher – 124150 
• Mortgage Servicing Compliance - Payment Processing – 162388 
• CU - Member Business Lending – 19229
• Office of Foreign Assets Control (OFAC) – 66753 

June 2025

Directors Education Series 

2506 - Critical Compliance Issues for 2025 – 289239

This course focuses on important compliance topics for 2025, such as fair lending, appraisal bias, algorithmic discrimination in financial markets, and the Anti-Money Laundering Act. It emphasizes the need for institutions to be ready for changing regulations and to assess their systems to tackle new fraud challenges.

Transaction Compliance Series (Course added to Breakthrough, Expansion, and Elevate packages)

Currency Transaction Reports (CTRs) - E3 2025 Refresh – 287838

The Bank Secrecy Act (BSA) and related laws exist primarily to prevent money laundering and other illegal financial activity. To comply with the BSA, financial institution employees must be able to recognize when cash transactions trigger a Currency Transaction Report. This new microlearning video course defines large currency transactions, discusses aggregation rules, and expands on the CTR exemption process. 

State-Specific Sexual Harassment Series (Course added to Breakthrough package) 

State-Specific Sexual Harassment Series (Course added to Breakthrough package)

Employees have the right to work in an environment free from sexual and other harassment. This bystander intervention course provides employees with skills to identify and safely intervene in harassment situations, decreasing their detrimental effects. Harassment, including sexual harassment, impairs work performance and the work environment. This training fulfills the requirements of the Chicago Human Rights Ordinance of Chicago, Illinois. Learners will indicate how to assess, respond to, and intervene in situations of harassment using four intervention approaches. They will learn about the factors that keep bystanders from intervening, which will allow them to better respond when they witness harassment, creating a safer and more positive workplace.

Fast Modules

• Counterfeiting and Forgery - E3
• Safeguarding Customer Information: Gramm-Leach-Bliley - E3 
• Section 1071: Essentials for Front-Line Staff - E3

Regulation Rundown: A Letter-By-Letter Guide Series

This series delivers concise overviews of key financial regulations. Our engaging video modules provide a foundational understanding of all the "Alphabet Regulations," helping employees quickly grasp the regulatory landscape without unnecessary detail. 

Regulation Updates

Office of Foreign Assets Control (OFAC) Recordkeeping Rules

The recordkeeping period has been extended from five to 10 years.

The following courses have been updated to reflect this regulation update:

• Office of Foreign Assets Control (OFAC) - E3 – 133590 

Maintenance Updates

The following courses have been updated: 

• Bank Secrecy Act for Tellers – 66742
• Expedited Funds Availability Act - Regulation CC - E3 – 152067
• Expedited Funds Availability Act - Regulation CC - E3 - WCAG – 207368 
• Bank Secrecy Act and Anti-Money Laundering for Operations - E3 – 249669
• Servicemembers Civil Relief Act (SCRA) – 53
• CU - Servicemembers Civil Relief Act (SCRA) – 17199
• FSC - Servicemembers Civil Relief Act (SCRA) – 29280
• Servicemembers Civil Relief Act (SCRA) - WCAG – 142945
• BOD - Servicemembers Civil Relief and Military Lending Acts – 13369
• CU - BOD - Servicemembers Civil Relief and Military Lending Acts – 45907

The following courses have been reviewed for normal course maintenance, with minor adjustments to wording as necessary:

• Office of Foreign Assets Control (OFAC) – 66753 
• CU - Office of Foreign Assets Control (OFAC) – 67462
• DB - Office of Foreign Assets Control (OFAC) – 48205
• Office of Foreign Assets Control (OFAC) - WCAG – 15946

May 2025

Core Compliance Suite

2504 - Bi-Monthly Compliance Briefing - April 2025 – 287710

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Directors Education Series

2505 - Profitability Strategies for Any Rate Environment – 287889

This course will cover the methods for managing cost-of-funds through low-cost core relationships, strategies for increasing noninterest income, and approaches to growing income by expanding the customer base. It includes detailed analysis and practical examples to help financial institutions optimize their profitability. 

Lending Compliance Series (Course added to Breakthrough, Expansion, and Elevate packages)

Fair Lending Overview for Marketing Professionals - E3 – 283403

This course equips marketing professionals in financial institutions with the knowledge and tools necessary to comply with fair lending regulations. Participants will learn how to identify and avoid practices that may unintentionally result in discrimination, ensuring that all marketing efforts are inclusive and equitable.

Section 1071: Essentials for Front-Line Staff - E3 – 280727

This course introduces front-line employees to the essentials of Section 1071 for handling small business loan applications. It shows how front-line staff can follow fair lending rules while fostering an inclusive financial environment.

Enterprise Risk Management and Compliance (Course added to Breakthrough, Expansion, and Elevate packages)

The E-Sign Act - E3 – 280240

The Electronic Signatures in Global and National Commerce Act (E-Sign Act) is a federal law that makes electronic documents, records, and signatures legally valid in U.S. and international business. This course explores the E-Sign Act’s requirements, protections, and record retention rules. 

Legal Fundamentals for Financial Institutions: Garnishments, Levies, Subpoenas, and Tax Forms - E3 – 284027

This course covers processing garnishments, levies, subpoenas, and tax forms, including departmental responsibilities for legal orders. Understanding legal requirements, common errors, and best practices helps ensure compliance and protect customer rights.

Robberies - 2025 E3 Refresh – 287459

Everyone who works at a financial institution is a potential robbery victim. Although it is unlikely, understanding robbery prevention precautions is part of your job. This course offers an overview of some common robbery tactics and how to act if a robbery occurs. It provides strategies for responding to a robbery, emphasizing that safety is a top priority. You will learn about different types of robberies, prevention strategies, and the importance of knowing your institution’s policies and procedures.

Retail Banking (Course added to Breakthrough, Expansion, and Elevate packages)

Robberies - 2025 E3 Refresh – 287459 

Everyone who works at a financial institution is a potential robbery victim. Although it is unlikely, understanding robbery prevention precautions is part of your job. This course offers an overview of some common robbery tactics and how to act if a robbery occurs. It provides strategies for responding to a robbery, emphasizing that safety is a top priority. You will learn about different types of robberies, prevention strategies, and the importance of knowing your institution’s policies and procedures. 

Fast Modules

• CAN-SPAM Act - E3
• Fair Lending Overview for Back-Office Operations - E3
• Legal Fundamentals for Financial Institutions - E3

Employment Law (Course added to Breakthrough & Elevate packages)

The POSH Act

The Prevention of Workplace Sexual Harassment (POSH) Act applies throughout India. It states that women must not experience sexual harassment in their workplaces. It defines sexual harassment and how to address it. Learners will gain an understanding of how to identify and report sexual harassment. They will learn the important role of bystander intervention in reducing or halting workplace sexual harassment. The course contains a path for each of the following languages: English, Hindi, and Bengali.

Office of Foreign Assets Control (OFAC) Recordkeeping Rules

The recordkeeping period has been extended from five to 10 years.

The following courses have been updated to reflect this regulation update:

• Office of Foreign Assets Control (OFAC) - E3 – 133590
• Office of Foreign Assets Control (OFAC) - E3 - WCAG – 208941 
• FAST Module: OFAC Compliance - from the Office of Foreign Assets Control Course – 244268 

Maintenance Updates

The following courses have been updated: 

• Handling Consumer Complaints – 45113
• CU - Handling Consumer Complaints – 45826
• Handling Consumer Complaints - WCAG – 142960
• Currency Transaction Reporting – 1
• CU - Currency Transaction Reporting – 14132
• Currency Transaction Reporting - WCAG – 168972
• CU - Consumer Leasing Act - Regulation M – 18757
• Truth in Lending Act - Regulation Z Refresher – 2732
• CU - Truth in Lending Act - Regulation Z Refresher – 124187
• Truth in Lending Act - Regulation Z Refresher - WCAG – 142946

The following courses have been reviewed for normal course maintenance, with minor adjustments to wording as necessary:

• CU - Elder Financial Abuse – 67323
• Elder Financial Abuse - WCAG – 159464
• Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 76
• CU - Member Due Diligence and Enhanced Due Diligence (MDD/EDD) – 14207
• DB - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 48193 
• FBO - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 115339
• FSC - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 21907
• Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) - WCAG – 159462
• Wire Transfers – 102 
• CU - Wire Transfers – 17195

April 2025

Core Compliance Suite

2503 - TRID: Common Violations, Gray Areas, and Regulatory Concerns – 284932

Even though we’ve been living with the TILA-RESPA Integrated Disclosures (TRID) rule for over a decade now (believe it or not), compliance can be frustratingly elusive. The rules are so detailed and prescriptive that 100% accuracy is near impossible. Scrutiny of TRID disclosures is traditionally quite intense, plus when you consider the legal liability of inaccurate disclosure of the many fees, identifying the many hot spots of TRID becomes paramount.

Directors Education Series

2504 - Beneficial Ownership - It Just Got Uncomplicated – 284812 

We will discuss how beneficial ownership reporting requirements have been simplified, including recent changes to the Corporate Transparency Act that now exempt domestic companies from reporting. Learn why financial institutions should maintain their current beneficial ownership verification procedures despite these regulatory updates. 

2504 - FDIC Insurance Signage - New Requirements, Including Digital Media – 284814

We will discuss the new FDIC Insurance Signage requirements that banks must implement for both physical locations and digital channels. Learn about the updated rules for displaying FDIC signs where deposits are taken, specific requirements for digital signage on websites and mobile applications, and important compliance deadlines including updates for 2026.

Lending Compliance Series (Course added to Breakthrough, Expansion, and Elevate packages)

Fair Lending Overview for Back-Office Operations - E3 – 282216

This course provides a comprehensive overview of fair lending compliance for back-office operations personnel, equipping you with the knowledge and skills to support their institution’s commitment to equitable lending practices. You will learn the foundational principles of fair lending laws, recognize prohibited discriminatory practices, identify, and mitigate risks, and understand your critical role in audits and compliance monitoring. By the end of this course, you will be well-prepared to ensure your institution adheres to regulatory requirements while promoting trust and fairness in lending. 

Enterprise Risk Management and Compliance (Course added to Breakthrough, Expansion, and Elevate packages)

CAN-SPAM Act - E3 – 281956

This course provides a comprehensive overview of the CAN-SPAM Act and its implications for financial institutions. Designed for all employees, it highlights the key requirements for compliance, best practices for email marketing, and the consequences of noncompliance.

New Account Opening Essentials Series

Empower your account opening professionals with comprehensive skills and knowledge to excel in new account openings. This program is designed to enhance customer satisfaction, ensure compliance, and build lasting client relationships through expert guidance and practical insights. 

Mortgage 101 Series

Your staff’s proficiency has a direct correlation to their overall efficiency. This series of courses are designed to give mortgage professionals the knowledge needed to perform more effectively within their current role, or to upskill and cross train.

Regulation Updates

Beneficial Ownership Updates

The following courses have been updated: 

• Beneficial Ownership – 79216
• CU - Beneficial Ownership – 81350
• Beneficial Ownership - WCAG – 160676
• AML and SARs for Mortgage Lenders and Originators – 1407 
• CU - AML and SARs for Mortgage Lenders and Originators – 17204 
• AML and SARs for Mortgage Lenders and Originators - WCAG – 168940
• AML for Customer Service Representatives – 16
• CU - AML for Member Service Representatives – 13870
• AML for Customer Service Representatives - WCAG – 168941 
• AML for Tellers – 846

Regulation Updates

Office of Foreign Assets Control (OFAC) Recordkeeping Rules

The following courses have been updated:

• Office of Foreign Assets Control (OFAC) – 66753
• CU - Office of Foreign Assets Control (OFAC) – 67462
• DB - Office of Foreign Assets Control (OFAC) – 48205
• Office of Foreign Assets Control (OFAC) - WCAG – 159465
• FBO - Office of Foreign Assets Control (OFAC) – 115882 
• Office of Foreign Assets Control (OFAC) Refresher – 2745 
• CU - Office of Foreign Assets Control (OFAC) Refresher – 21652 
• Office of Foreign Assets Control (OFAC) - Refresher - WCAG – 142958

Maintenance Updates

The following courses have been updated:

• FACT Act Overview – 7
• CU - FACT Act Overview – 16361
• FACT Act Overview - WCAG – 168978
• A Borrower's Right to Privacy in a Mortgage Transaction – 12771 
• CU - A Borrower's Right to Privacy in a Mortgage Transaction – 45630 
• A Borrower's Right to Privacy in a Mortgage Transaction - WCAG – 174873
• TILA - Closed-End Residential Real Estate Loans – 5451
• CU - TILA - Closed-End Residential Real Estate Loans – 24609
• TILA - Closed-End Residential Real Estate Loans - WCAG – 174792
• Elder Financial Abuse - E3 – 140341

The following courses have been reviewed for normal course maintenance, with minor adjustments to wording as necessary:

• Anti-Terrorism Overview – 110
• CU - Anti-Terrorism Overview – 14061
• Anti-Terrorism Overview - WCAG – 168945
• Bank Secrecy Act for Customer Service Representatives – 24
• CU - Bank Secrecy Act for Member Service Representatives – 14072
• Bank Secrecy Act for Customer Service Representatives - WCAG – 168957
• Bank Secrecy Act for Operations – 97
• CU - Bank Secrecy Act for Operations – 14095
• Bank Secrecy Act for Operations - WCAG – 168958
• Bank Secrecy Act for Lenders – 66741

March 2025

Core Compliance Suite

2502 - Bi-Monthly Compliance Briefing - February 2025 (OnDemand)

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format. 

Regulation Updates

Regulation CC: Availability of Funds Threshold

Beginning July 1, 2025, the minimum amount of funds will be raised from $225 to $275, and the large-deposit threshold will increase from $5,525 to $6,725. The individual penalty will increase from $1,100 to $1,350, and the class action penalty will increase from $552,500 to $672,950.

The following courses have been updated:

• Expedited Funds Availability Act - Regulation CC – 9
• CU - Expedited Funds Availability - Regulation CC – 16360
• Expedited Funds Availability Act - Regulation CC - WCAG – 168975

Regulation Updates

Flood Insurance Penalties

The following courses have been updated:

• Flood Insurance – 32
• CU - Flood Insurance – 16373 
• Flood Insurance - WCAG – 142943

Regulation Updates

Telephone Consumer Protection Act (TCPA) Opt-Out and One-to-One Consent Updates

Updates have been applied to the necessary TCPA courses based on the new opt-out language and “one-to-one consent” rules that revised the concept of “prior written consent.”

The following courses have been updated:

• Telemarketing Consumer Fraud and Abuse Prevention Act – 14468
• CU - Telemarketing Consumer Fraud and Abuse Prevention Act – 30275
• FSC - Telemarketing Consumer Fraud and Abuse Prevention Act (TCPA) – 29281 
• Telemarketing Consumer Fraud and Abuse Prevention Act - WCAG – 174879 
• Advertising Compliance – 8
• CU - Advertising Compliance – 16339
• Advertising Compliance - WCAG – 142993 
• Advertising Compliance - E3 – 178246

Regulation Updates

FDIC Signage Updates 

The following courses have been updated:

• Advertising Compliance – 8
• CU - Advertising Compliance – 16339
• Advertising Compliance - WCAG – 142933
• Advertising Compliance - E3 – 178246

Maintenance Updates

The following courses have been updated:

• FAST Module: Responding to Elder Financial Abuse - from Elder Financial Abuse Course – 244261
• Bank Secrecy Act and Anti-Money Laundering for Lenders - E3 – 249626 
• Understanding SBA Loans – 1901 
• Understanding SBA Loans - WCAG – 179722
• Currency Transaction Reports (CTRs) - E3 – 135307 
• Currency Transaction Reports (CTRs) - E3 - WCAG – 208936

February 2025

Core Compliance Suite

2501 - State of HMDA in 2024: Rules and Tips for Successful Submission (OnDemand) – 279388

Where are HMDA’s typical problem areas and regulatory focal points? HMDA is always one of the more complex regulatory topics out there. Keeping track of the many trip wires and tricky data points requires a detailed and consistent process to ensure the right information is collected and submitted every time.

2501 - Flood Insurance: Compliance and Enforcement Challenges (OnDemand) – 279389

Compliance with the flood insurance regulations should be easy – determine where the structure is (assuming it’s insurable) and if it’s in a flood zone, require insurance. Simple, right? Why then are there so many violations and penalties?

Directors Education Series

Artificial Intelligence in Banking - Benefits and Challenges – 279401 

We’ll discuss the concerns and risks of AI, so that you can properly monitor and establish controls for these technologies and best manage regulatory expectations as you succeed.

E3 Courses with Gamification

These refreshed E3 courses incorporate gamified elements that enhance the learning experience by empowering learners to not just understand but truly master complex regulatory topics through engaging challenges and achievement rankings

Transaction Compliance Series: Anti-Money Laundering and the Bank Secrecy Act - E3 2025 Refresh – 278854

Enterprise Risk Management and Compliance Series: Red Flags of Identity Theft - 2025 E3 Refresh – 275332

Regulation Updates

Regulation CC: Availability of Funds Threshold

Beginning July 1, 2025, the minimum amount of funds will be raised from $225 to $275, and the large-deposit threshold will increase from $5,525 to $6,725. The individual penalty will increase from $1,100 to $1,350, and the class action penalty will increase from $552,500 to $672,950

The following courses have been updated:

• Expedited Funds Availability Act - Regulation CC Refresher – 2736 
• CU - Expedited Funds Availability - Reg. CC Refresher – 21650 
• Expedited Funds Availability Act - Regulation CC Refresher - WCAG – 142937 
• Regulatory Compliance for Tellers - E3 – 161003
• Regulatory Compliance for Tellers - E3 - WCAG – 208973
• Expedited Funds Availability Act - Regulation CC - E3 – 152067
• Expedited Funds Availability Act - Regulation CC - E3 - WCAG – 207368
• Deposit Compliance - E3 – 154107
• Deposit Compliance - E3 - WCAG – 207366 

Regulation Updates

Regulation Z: Threshold for Exempt Consumer Credit Transactions

As of January 1, 2025, the Regulation Z exemption threshold for loans not secured by real property or a dwelling will increase from $69,500 to $71,900.

The following courses have been updated:

• TILA - Open-End Loans and Credit Cards - E3 – 193840
• TILA - Open-End Loans and Credit Cards - E3 - WCAG – 208923

Regulation Updates

Flood Insurance Penalties

As of January 15, 2025, the maximum penalty for violating flood insurance requirements is $2,904 (up from $2,830). 

The following courses have been updated:

• Flood Insurance – 32
• CU - Flood Insurance – 16373 
• Flood Insurance - WCAG – 142943 
• BOD - Flood Insurance – 13408
• CU - BOD - Flood Insurance – 45899 
• BOD - Flood Insurance - WCAG – 179748
• Flood Insurance - E3 – 194243
• Flood Insurance - E3 - WCAG - 207363

Regulation Updates

Flood Insurance Penalties

As of January 15, 2025, the maximum penalty for violating flood insurance requirements is $2,904 (up from $2,830). 

The following courses have been updated:

• Flood Insurance – 32
• CU - Flood Insurance – 16373 
• Flood Insurance - WCAG – 142943 
• BOD - Flood Insurance – 13408
• CU - BOD - Flood Insurance – 45899 
• BOD - Flood Insurance - WCAG – 179748
• Flood Insurance - E3 – 194243
• Flood Insurance - E3 - WCAG - 207363

Regulation Updates

NMLS-Approved 20-Hour Pre-Licensing Courses’ 2024 Changes

Updates have been applied to the necessary SAFE Suite courses based on the NMLS- approved 20-hour pre-licensing courses. Updates include the various new threshold figures for 2024.

The following courses have been updated:

• [SS Fed] Real Estate Settlement Procedures Act - Part II – 83457
• [SS Fed] Identifying High-Cost Mortgages and Higher-Priced Mortgage Loans – 84216
• [SS Fed] Home Mortgage Disclosure Act – 84889
• [SS Fed] Ability to Repay and Qualified Mortgage Rules – 87247
• [SS Fed] Regulatory Authority – 87274 
• [SS Gen] Qualified and Non-Qualified Mortgage Programs – 88079
• [SS Gen] Conventional Mortgages – 88085
• [SS Gen] Nonconforming Mortgages – 88166
• [SS Gen] High-Cost Mortgage Loans – 88209
• [SS Gen] Higher-Priced Mortgage Loans – 88213

FDIC Signage Updates 

The following courses have been updated:

• Federal Deposit Insurance Corporation (FDIC) – 20
• Federal Deposit Insurance Corporation (FDIC) - WCAG – 159438 
• Nondeposit Investment Product Sales – 45117 
• CU - Nondeposit Investment Product Sales – 45584 
• Nondeposit Investment Product Sales - WCAG – 179729 
• Nondeposit Investment Products – 15487
• CU - Nondeposit Investment Products – 148
• Nondeposit Investment Products - WCAG – 142959 

Maintenance Updates

The following courses have been updated:

• CU - Unfair, Deceptive, or Abusive Acts or Practices for the Credit Union – 6748
• Traditional IRA Overview – 3345
• Flood Insurance - 32
• CU - Flood Insurance - 16373
• Flood Insurance - WCAG - 142943

The following courses have been reviewed for normal course maintenance, with minor adjustments to wording as necessary:

• Check Kiting – 19915
• CU - Check Kiting – 174812
• Check Fraud - 45671
• CU - Check Fraud - 19914
• Check Fraud - WCAG – 174810
• Beneficial Ownership – 79216
• CU - Beneficial Ownership - 81350
• Beneficial Ownership - WCAG - 160676
• Counterfeiting and Forgery - 159
• CU - Counterfeiting and Forgery - 17182

Mortgage Course Updates

The following courses have been updated:

• Ability to Repay (ATR) and Qualified Mortgage (QM) Rules – 25023
• Fast Track to Success: A Primer for New Mortgage Loan Originators – 12599
• FHA Factor in Mortgage Lending – 12617
• Home Mortgage Disclosure Act (HMDA) – 12557
• Reverse Mortgages – 12607 
• Telemarketing Consumer Fraud and Abuse Prevention Act – 12622
• Originating VA Loans – 25289
• Home Ownership and Equity Protection Act – 12578
• The Home Ownership and Equity Protection Act (HOEPA) - E3 – 149044
• FHA 203(k) Rehabilitation Mortgage Program - E3 – 153052 

January 2025

Director Education Series

2501 - Beneficial Ownership – It's Complicated – 254742

Phasing in the beneficial ownership national database has been complex and time consuming. Many of the lawsuits are getting settled, and it looks like this slow moving and cumbersome change will happen. Your business customers are getting registered, but what about your institution’s procedures? Learn more about what to anticipate as time progresses for the financial institution.

Core Compliance Suite

2412 - Bi-Monthly Compliance Briefing - December (OnDemand) – 277492

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

2411 - 2024 Fair Lending Update (OnDemand) – 253241

Fair lending continues to be the hot topic in 2024, and the environment we find ourselves in as an industry continues to be dynamic. This session is an in-depth discussion of the new expectations and priorities that will help you ensure your program is up-to-date and ready for your next exam.

E3 Courses with Gamification

The Financial Foundations E3 series is a comprehensive training program designed to equip your client-facing employees with the knowledge, skills, and confidence needed to effectively educate and engage customers on common financial matters. Our courseware ensures that employees can deliver accurate, clear, and empathetic financial guidance, fostering trust and long-term relationships with customers.

Banking Essentials: Guiding Customers Through Account Options - E3 – 270648

Master the basics of bank accounts to better assist your customers in making informed decisions. This course covers the essential features and benefits of checking accounts, savings accounts, certificates of deposit, money market accounts, custodial accounts, and trust accounts. Learn how to explain each account type clearly and effectively, empowering your customers to choose the right options for their financial needs and goals. Enhance your conversations with practical knowledge that builds trust and confidence in your guidance. This course takes about 30 minutes to complete. 

Credit Fundamentals: Guiding Customers Through Consumer Credit Options - E3 – 270676 

Enhance your ability to assist customers with their credit needs by mastering the basics of consumer credit. This course provides a comprehensive overview of credit cards, mortgages, home equity loans, auto loans, and personal loans. Learn how to explain the features, benefits, and responsibilities associated with each credit option, enabling you to guide customers in making informed borrowing decisions. Improve your conversations with actionable insights that help customers understand and manage their credit effectively. This course takes about 25 minutes to complete. 

Digital Banking Essentials: Guiding Customers Through Modern Financial Tools - E3 – 270654

Help your customers stay ahead in the digital age by mastering the basic digital tools they should use daily. This course covers mobile banking apps, robo-advisors, investment software programs, and payment systems such as Venmo and Zelle. Learn how to explain the features and benefits of these tools, empowering your customers to leverage technology for better financial management. This course takes about 20 minutes to complete.

Retirement Accounts 101 - E3 – 270655

Equip yourself with essential knowledge about retirement accounts to better assist your customers. This course covers the basics of traditional and Roth IRAs. Learn how to explain the features, benefits, and tax implications of each account type, empowering your customers to make informed decisions for their retirement and education savings. This course takes about 20 minutes to complete.

Fraud Awareness: Guiding Customers on Preventing Scams and Identity Theft - E3 – 270713

Empower yourself with the knowledge to protect your customers from fraud, scams, and identity theft. This course covers the basics of common fraudulent schemes, scam tactics, and identity theft prevention. Learn how to identify warning signs and educate customers on best practices for safeguarding their personal information. Enhance your conversations with practical advice and strategies to help customers stay vigilant and secure in the digital age. This course takes about 30 minutes to complete.

Enterprise Risk Management and Compliance Series: Red Flags of Identity Theft - 2025 E3 Refresh – 275332

Empower yourself with the knowledge to protect your customers from fraud, scams, and identity theft. This course covers the basics of common fraudulent schemes, scam tactics, and identity theft prevention. Learn how to identify warning signs and educate customers on best practices for safeguarding their personal information. Enhance your conversations with practical advice and strategies to help customers stay vigilant and secure in the digital age. This course takes about 30 minutes to complete.

Savings Essentials: Guiding Customers to Financial Security - E3 – 272325

This course equips you with essential strategies to address the common challenge of insufficient savings among your customers. Explore the importance of building emergency funds, various savings strategies, and the crucial role of liquidity in financial planning. Learn how to initiate meaningful conversations that empower customers to take proactive steps towards financial stability and preparedness. This course takes about 20 minutes to complete.

Mastering Retirement Planning: Empowering Customers for Secure Futures - E3 – 270719 

Learn to address familiar challenges related to underfunded retirement plans among customers. This course delves into the critical aspects of retirement planning, including maximizing contributions, understanding fees and penalties, catch-up strategies for late starters, and practical suggestions for beginners. Gain the knowledge and confidence to engage customers in informed discussions that support their journey towards a secure and comfortable retirement. This course takes about 30 minutes to complete. 

Budgeting Basics: Helping Customers Manage Budgeting and Savings Practices - E3 – 270662

LEquip yourself with the skills to guide customers towards effective budging and savings practices. This course provides you with a foundational understanding of managing income and expenses, teaching you how to help customers create and maintain a realistic budget. Learn practical tips and strategies for encouraging savings habits, enabling you to have impactful conversations that support customers in achieving their financial goals and building a secure financial future. This course takes about 20 minutes to complete.

Debt Management: Guiding Customers on Smart Borrowing Techniques - E3 – 270652

Gain the essential knowledge and tools to help your customers manage debt effectively. This course covers the basics of credit scores and reports, providing you with the insights needed to explain these concepts clearly to customers. Learn strategies for debt reduction and understand the differences between good debt and bad debt. By the end of this course, you will be equipped to have meaningful conversations that empower customers to take control of their financial health and make informed borrowing decisions. This course takes about 30 minutes to complete.

Cybersecurity Scenarios Series 

The Cybersecurity Scenarios series provides an opportunity to apply your knowledge of cybersecurity concepts to real-world case studies.

Cybersecurity Advanced Series 

AI Security Threats

In recent years, artificial intelligence (AI) has emerged as a transformative technology with the potential to revolutionize various industries. However, along with its numerous benefits, AI presents new and evolving security threats that organizations and individuals must navigate. This course provides an overview of AI security threats and equips learners with the knowledge and tools to mitigate these risks effectively. This course takes about 15 minutes to complete.

Phishing Defense Essentials

Learn how to stay ahead of hackers and cyber criminals who aim to steal data and insert malicious payloads by learning and applying the best practices outlined in this module. This course takes about 7 minutes to complete.

Preventing Malware: Mobile Devices

This course acknowledges the commonplace usage of mobile devices at work and explains key vulnerabilities that users must be aware of. By mastering the information presented in this course you will be able to help defend your mobile devices from security threats. This course takes about 7 minutes to complete. 

Ransomware: How to Defend Yourself

Ransomware is a type of malicious software used by hackers to encrypt files and other functions from a user until the victim pays a “ransom.” This form of cyberattack has become one of the most used and most costly threats to businesses and individuals alike. By mastering the information presented in this course you will be able to help defend your personal and workplace data from ransomware threats.
This course takes about 4 minutes to complete.

S-A-F-E Web Browsing

Upon completion of this module, you will be able to recognize scams used by cybercriminals that exploit consumers browsing the web, apply the S-A-F-E model to help protect against threats associated with browsing the web, and use the best practices discussed in this module to help improve your overall web browsing experience. This course takes about 15 minutes to complete.

Security Awareness Basics

This module covers two of the most dangerous cyber-threats to any organization: malware and phishing. This module teaches learners the importance of being “security aware” and making safe, security-conscious decisions on a day-to-day basis to help thwart these menacing cyber-attacks. This course takes about 15 minutes to complete.

The Malware Threat 

Malware is any type of software that is intended to damage or disable computer systems. It is often used to steal information, destroy, or lock users from data, or disrupt operations. This course defines malware and the associated security threats and describes common types of malware. By mastering the information presented in this course you will be able to help defend your personal and workplace data from these threats. This course takes about 5 minutes to complete.

Working Securely from the Home

Mobile computing devices combined with online workplace collaboration platforms and video conferencing make working from home easier than ever. However, working outside of an organization’s secured facilities can expose a remote worker and his/her workplace’s assets to additional cyber threats. This course will provide the best practices for working securely from home and help one to defend against these threats. This course takes about 9 minutes to complete.

Cybersecurity Fundamentals Series

AI Security Threats

In recent years, artificial intelligence (AI) has emerged as a transformative technology with the potential to revolutionize various industries. However, along with its numerous benefits, AI presents new and evolving security threats that organizations and individuals must navigate. This course provides an overview of AI security threats and equips learners with the knowledge and tools to mitigate these risks effectively. This course takes about 15 minutes to complete. 

Security Awareness Basics

This module covers two of the most dangerous cyber-threats to any organization: malware and phishing. This module teaches learners the importance of being “security aware” and making safe, security-conscious decisions on a day-to-day basis to help thwart these menacing cyber-attacks. This course takes about 15 minutes to complete. 

Remote Worker Preparedness Series 

Working Securely from the Home

Mobile computing devices combined with online workplace collaboration platforms and video conferencing make working from home easier than ever. However, working outside of an organization’s secured facilities can expose a remote worker and his/her workplace’s assets to additional cyber threats. This course will provide the best practices for working securely from home and help one to defend against these threats. This course takes about 9 minutes to complete. 

Regulations Updates

Regulation CC: Availability of Funds Threshold Updates

Beginning July 1, 2025, the minimum amount of funds will be raised from $225 to $275, and the large-deposit threshold will increase from $5,525 to $6,725. The individual penalty will increase from $1,100 to $1,350, and the class action penalty will increase from $552,500 to $672,950. 

The following courses have been updated:

• Deposit Compliance – 66744
• CU - Deposit Compliance – 67512
• Deposit Compliance - WCAG – 142935
• Regulatory Compliance for Tellers – 38
• CU - Regulatory Compliance for Tellers – 14512 
• Regulatory Compliance for Tellers - WCAG – 168991
• Expedited Funds Availability Act - Regulation CC – 9
• CU - Expedited Funds Availability Act - Regulation CC – 16360
• Expedited Funds Availability Act - Regulation CC - WCAG – 168975
• FBO - Expedited Funds Availability Act - Regulation CC – 115334

FHFA Loan Limits

The Federal Housing Finance Agency (FHFA) has announced that in 2025, the maximum conforming loan limits will be $806,500 (up from $766,550) for one-unit properties. The maximum high balance loan limit will be $1,209,750 (up from $1,149,825).

The following courses have been updated:

• Second-Lien Real Estate Mortgage Loans/Junior Real Estate Loans – 117
• Specific Program Guidelines: FHA, VA, USDA – 95403
• Specific Program Guidelines: FHA, VA, USDA - WCAG – 179742

Regulation D Reserve Requirements

As of January 1, 2025, the low reserve tranche amount is adjusted to $645.8 million (up from $127.5 million), and the exemption amount is set at $37.8 million (up from $16.9 million).

The following courses have been updated:

• Reserve Requirements - Regulation D – 45
• CU - Reserve Requirements - Regulation D – 23102
• Reserve Requirements - Regulation D - WCAG – 168992

Telemarketing Sales Rule Fees

In 2025, the cost of accessing one area code in the FTC’s National Do Not Call Registry is $80 (up from $78), up to a maximum annual fee of $22,038 (up from $21,402).

The following courses have been updated:

• Telemarketing Consumer Fraud and Abuse Prevention Act – 14468
• CU - Telemarketing Consumer Fraud and Abuse Prevention Act – 30275
• FSC - Telemarketing Consumer Fraud and Abuse Prevention Act (TCPA) – 29281 
• Telemarketing Consumer Fraud and Abuse Prevention Act - WCAG – 174879 

CRA Asset-Size Threshold

Beginning January 1, 2025, the definition of a small institution under the Community Reinvestment Act (CRA) changes from having assets worth under $1.564 billion to $1.609 billion, the definition of a large institution changes from having assets worth over $1.564 billion to $1.609 billion, and the definition of an intermediate small institution changes from having assets worth between $391 million and $1.564 billion to between $402 million and $1.609 billion.

The following courses have been updated:

• Community Reinvestment Act (CRA) for Small Institutions – 57
• Community Reinvestment Act (CRA) for Small Institutions - WCAG – 168968 
• Community Reinvestment Act (CRA) for Small Institutions - E3 – 175660  
• Community Reinvestment Act (CRA) for Small Institutions - E3 - WCAG – 208964 
• Community Reinvestment Act (CRA) for Intermediate Small Institutions – 80
• Community Reinvestment Act (CRA) for Intermediate Small Institutions - WCAG – 168967 
• Community Reinvestment Act (CRA) for Intermediate Small Institutions - E3 – 176174
• Community Reinvestment Act (CRA) for Intermediate Small Institutions - E3 - WCAG – 208962 
• Community Reinvestment Act (CRA) for Large Institutions – 4872
• Community Reinvestment Act (CRA) for Large Institutions - WCAG – 159443

Regulation Z: HPML Special Appraisal Exemption Threshold

The following courses have been updated:

• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616 
• TILA - Beyond Basics - Certain Mortgage Loans - WCAG – 174791  
• TILA - Closed-End Residential Real Estate Loans – 5451
• CU - TILA - Closed-End Residential Real Estate Loans – 24609 
• TILA - Closed-End Residential Real Estate Loans - WCAG - 174792 
• Truth in Lending Act - Regulation Z Refresher – 2732
• CU - Truth in Lending Act - Regulation Z Refresher – 124187 
• Truth in Lending Act - Regulation Z Refresher - WCAG – 142946
• Federal Regulation of Real Estate Appraisals – 1899

Regulation Z: Points & Fees

As of January 1, 2025, the Regulation Z adjusted points and fees dollar trigger for high-cost mortgages changes from $1,305 to $1,348, and the adjusted total loan amount threshold for high-cost mortgages changes from $26,092 to $26,968. 

The following courses have been updated:

• Truth in Lending for Loans Secured by Real Estate - Regulation Z – 19948
• High-Cost Mortgages (HOEPA Loans) – 36 
• CU - High-Cost Mortgages (HOEPA Loans) – 16380  
• Residential Mortgage A-B-C - Mortgage Regulations – 49 
• CU - Residential Mortgage A-B-C - Mortgage Regulations – 17156
• Residential Mortgage A-B-C - Mortgage Regulations - WCAG – 142953 

Regulation Z: Qualified Mortgages Points & Fees

For 2025, the Regulation Z qualified mortgage (QM) 3% points and fees threshold will increase from $130,461 to $134,841.

The following courses have been updated:

• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616
• TILA - Beyond Basics - Certain Mortgage Loans - WCAG – 174791 
• TILA - Closed-End Residential Real Estate Loans – 5451
• CU - TILA - Closed-End Residential Real Estate Loans – 24609
• TILA - Closed-End Residential Real Estate Loans - WCAG - 174792

Regulation Z: Threshold for Exempt Consumer Credit Transactions

As of January 1, 2025, the Regulation Z exemption threshold for loans not secured by real property or a dwelling will increase from $69,500 to $71,900.

The following courses have been updated:

• Truth in Lending Act - Regulation Z – 5442
• CU - Truth in Lending Act - Regulation Z – 17157
• Truth in Lending Act - Regulation Z - WCAG – 174790 
• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616
• TILA - Beyond Basics - Certain Mortgage Loans - WCAG – 174791
• TILA - Beyond Basics: Certain Home Mortgage Loans - E3 – 185713 
• TILA - Open-End Loans - Credit Cards – 5443
• CU - TILA - Open-End Loans - Credit Cards – 24613
• TILA - Open-End Loans - Credit Cards - WCAG – 174796 

Regulation M: Threshold for Exempt Consumer Leases

As of January 1, 2025, the Regulation M exemption threshold for consumer leases will increase from $69,500 to $71,900.

The following courses have been updated:

• Consumer Leasing Act - Regulation M – 6
• CU - Consumer Leasing Act - Regulation M – 18757
• Consumer Leasing Act - Regulation M - WCAG – 174802

Regulation C: Home Mortgage Disclosure Act (HMDA) 

As of January 1, 2025, the Regulation C asset size threshold for exemption from collecting HMDA data will increase from $56 million to $58 million. 

The following courses have been updated:

• Home Mortgage Disclosure Act - Regulation C – 58680
• CU - Home Mortgage Disclosure Act - Regulation C – 75616Consumer Leasing Act - Regulation M - WCAG – 174802
• Home Mortgage Disclosure Act - Regulation C - WCAG – 142944 
• Customer Business Loan Compliance Overview – 34826
• CU - Member Business Loan Compliance Overview – 14413
• Residential Mortgage A-B-C - Mortgage Regulations – 49
• CU - Residential Mortgage A-B-C - Mortgage Regulations – 17156
• Residential Mortgage A-B-C - Mortgage Regulations - WCAG – 142953
• Second-Lien Real Estate Mortgage Loans/Junior Real Estate Mortgage Loans – 117 

2025 IRA MAGI and Contribution Limits

The following courses have been updated:

• Excess IRA Contributions – 3348
• IRA Contributions – 3005 
• IRA Beneficiary Options – 3004 
• IRA Distributions – 3006
• IRA Rollovers, Transfers, and Direct Rollovers – 3347
• SIMPLE IRA Basics – 3353
• Roth IRA Overview – 3349
• Traditional IRA Overview – 3345
• Education Savings Accounts – 3352

Maintenance Updates

The following courses have been updated:

• Fair Lending Overview – 66750
• CU - Fair Lending Overview – 67285
• Fair Lending Overview - WCAG – 142934
• Anti-Tying – 84 
• Anti-Tying - WCAG – 159446 
• Servicemembers Civil Relief Act (SCRA) – 53
• [SS Fed] Privacy Rules – 84242
• Understanding the FFIEC Final Guidance on Social Media – 9181
• CU - Understanding the FFIEC Final Guidance on Social Media – 30277
• Understanding the FFIEC Final Guidance on Social Media - WCAG – 174880 

Retired Courses

• Security Awareness: Human Firewall (Pts 1 & 2)
• Human Firewall Theme: Security Awareness and Literacy 
• Coronavirus Phishes and Scams
• Security Awareness Fundamentals

November 2024

Director Education Series

2411 - New Community Reinvestment Act (CRA) Regulations - Impact on your Bank – 272394

Learn about the new Community Reinvestment Act (CRA) regulations issued in 2023 and their impact on banks. The presentation covers the key changes, including new assessment area definitions, performance tests for different bank sizes, and the effective date of January 1, 2026. We will also discuss the strategic importance of these new rules, potential challenges in implementation, and how banks may need to rethink their CRA-related activities.

2411 - Boost Your Teams Resilience to Reduce Stress, Avoid Overwhelm, and Improve Performance – 272387

Do you wish all your employees were high performing, held themselves accountable, and weren’t at risk for burnout? Intentionally boosting resilience creates a positive impact in all these areas! What is resilience in business? Well, everyone agrees they would like their physical body to be flexible and resilient so they can enjoy robust health even when life throws some curve balls. Similarly, in your organizations, you want a flexible and resilient workforce and a collective ability to face challenges confidently as part of your culture.

Core Compliance Suite

2410 - Bi-Monthly Compliance Briefing - October (OnDemand) – 272358

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format

Fast Modules

• Active Shooter – E3
• Embezzlement – E3
• FACT Act – E3
• Home Mortgage Disclosure Act: Regulation C – E3
• Regulation I – E3
• Regulation L: Management Official Interlocks – E3
• Section 1071 – E3
• Swaps – E3
• TILA - Beyond Basics: Certain Home Mortgage Loans – E3
• TILA: Home Equity Installment Loans – E3
• TILA: Installment Loans: Non-Real Estate Secured – E3
• TILA: Open-End Loans - Credit Cards – E3
• TILA: Unsecured Open-End Loans – E3
• Truth in Lending Act: Regulation Z – E3

Regulation Updates

The following courses have been updated:

• Advertising Compliance - E3 – 154713
• Advertising Compliance - E3 - WCAG – 208927
• Federal Deposit Insurance Corporation (FDIC) - E3 – 178246
• Federal Deposit Insurance Corporation (FDIC) - E3 - WCAG – 208950

Maintenance Updates

• CU – Fair Housing Act (FHA) – 16371
• Global Anti-Money Laundering Standards - E3 – 142961
• Handling Consumer Complaints - E3 – 215682
• Politically Exposed Persons - PEPs - E3 – 142177
• Politically Exposed Persons - PEPs - E3 - WCAG – 208943
• Section 1071 - E3 – 265333
• Community Reinvestment Act (CRA) for Large Institutions - E3 – 175659
• Community Reinvestment Act (CRA) for Large Institutions - E3 - WCAG – 208963
• Remote Deposit Capture – 104
• CU - Remote Deposit Capture – 18754
• Remote Deposit Capture - WCAG – 179736
• Uniform Residential Loan Application – 34846
• CU - Uniform Residential Loan Application – 20826
• AML for Customer Service Representatives – 16
• AML for Customer Service Representatives - WCAG – 168941
• AML for Lenders – 858
• CU - AML for Lenders – 13830
• AML for Lenders - WCAG – 168942
• The S.A.F.E. Act – 66757
• CU - The S.A.F.E. Act – 67330
• The S.A.F.E. Act - WCAG – 159449
• AML for Operations – 56
• CU - AML for Operations – 13921
• AML for Operations - WCAG – 168943

October 2024

Director Education Series

2410 - Junk Fees: Do We Have Any? What Is the Risk? – 270611

The Consumer Financial Protection Bureau continues to cite institutions for junk fees. These consumer fees include overdrafts, loans and servicing of accounts. Learn other key issues such as reopening closed accounts. This is a topic that keeps coming up in regulatory circles.

Core Compliance Suite

2409 - Marketing and Advertising Compliance All Day Streaming (OnDemand) – 270555

With UDAP/UDAAP, it’s clear that how you say what you say in your advertisements is just as important as what you say. Style matters – you must be clear and conspicuous in your wording so as not to confuse and deceive. If you read enforcement actions related to marketing and advertising carefully, it’s clear what else is being targeted: sales and marketing practices. It’s always useful to learn from others’ mistakes, regardless of your financial institution’s size or regulator. 

Bank and Credit Union Catalogs: Enterprise Risk Management and Compliance Series

Regulation I - E3 – 265322

This course provides a comprehensive understanding of Regulation I, including its key components, compliance requirements, and best practices. Participants will learn to apply Regulation I in daily operations through detailed explanations, real-world examples, and interactive content. By the end of this course, participants will be equipped to ensure their organizations adhere to all regulatory requirements.

Nonbank Financial Services Series

FSC: Active Shooter - E3 – 266202

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 to increase survivability. Finally, it describes how to identify and prevent violent behavior in the workplace.

FSC: Handling Consumer Complaints – 266206

This course provides financial professionals with the knowledge and skills to excel in consumer complaint management. It explores the key components of an effective complaint resolution program, including best practices, essential employee qualifications, and strategies for working with dissatisfied customers.

FSC: Robberies – E3 (266307)

In the financial industry, the threat of robbery is an ever-present concern. While rare, these incidents can profoundly impact employee safety, customer trust, and institutional integrity. This course equips you with the knowledge and skills to protect yourself and others during a robbery and play an active role in prevention. Understanding robbery dynamics will help you become essential to your institution's security framework, contributing to a safer work environment for all.

Regulation Updates

The following courses have been updated:

• Advertising Compliance – 8
• Advertising Compliance - WCAG – 142933
• Federal Deposit Insurance Corporation (FDIC) – 20
• Federal Deposit Insurance Corporation (FDIC) - WCAG – 159438

Maintenance Updates

The following courses have been updated:

• Community Reinvestment Act (CRA) for Intermediate Small Institutions - E3 – 176174
• Community Reinvestment Act (CRA) for Intermediate Small Institutions - E3 - WCAG – 208962
• A Borrower's Right to Privacy in a Mortgage Transaction - WCAG – 174873
• Mortgage Servicing Compliance - Seriously Delinquent Borrowers – 162743
• Managing OREO – 8486
• CU - Managing OREO – 30276
• DB - Managing OREO – 48194
• Managing OREO - WCAG – 179723
• Military Lending Act – 42264
• DB - Military Lending Act – 48191
• Military Lending Act - WCAG – 160667
• Real Estate Settlement Procedures Act - Regulation X – 40019 
• CU - Real Estate Settlement Procedures Act - Regulation X – 17197
• Real Estate Settlement Procedures Act - Regulation X - WCAG – 168990
• Specific Program Guidelines: FHA, VA, USDA – 95403
• Specific Program Guidelines: FHA, VA, USDA - WCAG – 179742
• Servicemembers Civil Relief Act (SCRA) – 53 
• CU - Servicemembers Civil Relief Act (SCRA) – 17199
• Servicemembers Civil Relief Act (SCRA) - WCAG – 142945
• AML and SARs for Mortgage Lenders and Originators – 1407
• CU - AML and SARs for Mortgage Lenders and Originators – 17204
• AML and SARs for Mortgage Lenders and Originators - WCAG – 168940

September 2024

Director Education Series

2409 - High Performance Leadership - 3 Practices for Blazing Productivity Without Burnout – 268953

Unfortunately, without some intervention, teams are prone to burnout in today’s work environments. In this 30-minute video session with an accompanying worksheet, you’ll consider challenges and opportunities with your own and your team’s productivity and find ways to apply effective principles and proven practices. This session is perfect for either individual leader introspection or leadership group discussion and strategy and adopting specific practices to rise above daily distractions and keep your focus on high-value work.

Core Compliance Suite

2408 - Bi-Monthly Compliance Briefing – August (OnDemand)

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Enterprise Risk Management & Compliance Series

Regulation L: Management Official Interlocks - E3 – 265321

This course provides a comprehensive understanding of Regulation L, including its prohibitions and exemptions and the legal framework governing management official interlocks. Through detailed explanations, realworld examples, and interactive content, participants will learn to navigate these regulations effectively and ensure your organization remains compliant.

Maintenance Updates

The following courses have been updated:

• Fair Debt Collection Practices Act (FDCPA) - E3 – 179649
• Fair Debt Collection Practices Act (FDCPA) - E3 - WCAG – 208336
• Introduction to Appraisal – 19934
• Introduction to Appraisal - WCAG – 179771 
• Federal Regulation of Real Estate Appraisals – 1899
• CU - Federal Regulation of Real Estate Appraisals – 17186
• DB - Federal Regulation of Real Estate Appraisals – 48190
• Federal Regulation of Real Estate Appraisals - WCAG – 174818
• Appraisal and Evaluation Interagency Guidelines – 34814 
• CU - Appraisal and Evaluation Interagency Guidelines – 19886
• DB - Appraisal and Evaluation Interagency Guidelines – 48185
• Appraisal and Evaluation Interagency Guidelines - WCAG – 174875 
• Bank Secrecy Act for Customer Service Representatives – 24
• Bank Secrecy Act for Customer Service Representatives - WCAG - 168957
• Reserve Requirements - Regulation D – 45
• CU - Reserve Requirements - Regulation D – 23102
• Reserve Requirements - Regulation D - WCAG – 168992
• Introduction to Credit Card Regulations – 39
• CU - Introduction to Credit Card Regulations – 14536
• CU - Member Identification Program (MIP) – 67496
• Elder Financial Abuse - E3 – 140341 
• Elder Financial Abuse - E3 - WCAG - 208939

August 2024

Director Education Series

2408 - Compliance Priorities in 2024 and Beyond – 267659

As of mid-2024, regulatory agencies such as the CFPB, OCC, and FDIC are intensely focused on consumer protection. There is attention to UDAAP, fair lending, and "junk fees." We also have new regulations finalized under CRA. We will update you on these issues and more! 

Core Compliance Suite

2406 - 1071 Small Business Data Collection and Submission: Where Are We Now? (OnDemand) – 267691

In this webinar, we delve into the rule’s current events and status, including when, and whether, the institution may or must begin to collect and submit data. Our focus will not be a simple recitation of the rule, but on how to effectively develop your implementation plan. We’ll review many issues so you can methodically ensure your program is on track. 

Enterprise Risk Management & Compliance Series

Embezzlement - E3 – 265007

This course provides a comprehensive understanding of embezzlement, including its definition, how it occurs, and strategies for prevention. Through real-world scenarios, interactive content, and knowledge checks, you will learn to identify warning signs, implement effective controls, and respond appropriately to suspected embezzlement.

Lending Compliance Series

Section 1071 - E3 – 265333

This course provides an overview of Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).

Maintenance Updates

The following courses have been updated:

• Expedited Funds Availability Act - Regulation CC – 9
• Beneficial Ownership - E3 – 215792 
• Mortgage Servicing Compliance - Seriously Delinquent Borrowers – 162743
• CU - Home Mortgage Disclosure Act - Regulation C – 75616
• Home Mortgage Disclosure Act - Regulation C - WCAG – 142944
• FBO - Wire Transfers – 115335
• FBO - Embassy and Foreign Consulate Accounts – 86826
• FBO - Foreign Correspondent Bank Accounts – 16652
• FBO - Trade Finance Fraud – 115336 
• Expedited Funds Availability Act - Regulation CC - E3 – 152067
• Expedited Funds Availability Act - Regulation CC - E3 - WCAG - 207368

July 2024

Director Education Series

2407 - Bank Secrecy Act and Office of Foreign Assets and Control Update 2024 – 265632

This program will update your directors on BSA and OFAC for 2024. Topics include beneficial ownership, governance, consent orders, and Hamas to keep directors abreast of the current issues in these important arenas.

Core Compliance Suite

2406 - Bi-Monthly Compliance Briefing - June (OnDemand) – 265339

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format. 

Enterprise Risk Management & Compliance Series

Employee Retirement Income Security Act (ERISA) - E3 – 264473

This course provides an overview of the Employee Retirement Income Security Act (ERISA) and describes the minimum standards for most established retirement and health plans in private industries.

Maintenance Updates

The following courses have been updated:

• Bank Secrecy Act for Lenders – 66741
• CU - Bank Secrecy Act for Lenders – 67364
• Bank Secrecy Act for Lenders - WCAG – 159467
• Elder Financial Abuse – 66747
• CU - Elder Financial Abuse – 67323
• Elder Financial Abuse - WCAG – 159464
• FAST Module: Office of Foreign Assets Control (OFAC) - from the Office of Foreign Assets Control Course – 244263
• FBO - Anti-Money Laundering (AML) – 115951 
• FBO - Bank Secrecy Act for Foreign Branch Offices – 115872 
• FBO - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 115339
• FBO - Anti-Boycott – 115338
• FBO - Expedited Funds Availability Act – 115334
• FBO - Customer Identification Program – 116011
• BOD - Elder Financial Abuse – 13378
• CU - BOD - Elder Financial Abuse – 45660
• BOD - Elder Financial Abuse - WCAG – 168953
• Banking for Beginners: Individual Retirement Accounts – 179496
• Providing Service to Customers With Disabilities – 1891
• DB - Providing Service to Customers With Disabilities – 48195
• FSC - Providing Service to Customers With Disabilities – 29279
• Providing Service to Customers With Disabilities - WCAG – 179780
• Active Shooter - E3 – 206954
• Currency Transaction Reporting – 1
• CU - Currency Transaction Reporting – 14132
• Currency Transaction Reporting - WCAG – 168972

June 2024

Director Education Series

2406 - Employee Retention: Ways to Empower and Motivate for the Board of Directors – 263926

Retaining and engaging employees in a new world of work – does this sound like something you can relate to? The Great Resignation has disrupted employers and, in turn, negatively impacted organizational engagement and culture. The employee’s “experience” is as important today as our customer’s experience. What if we saw everything we did through the eyes of our employees? Would that make or break our current retention practices? Let’s ask ourselves some key questions above and beyond the topic of compensation. Believe it or not, money isn’t always the number one reason people leave their current employer.

Core Compliance Suite

2405 - BSA/AML & OFAC Compliance - Part 1 (OnDemand) – 263896

2405 - BSA/AML & OFAC Compliance - Part 2 (OnDemand) – 263897

2405 - BSA/AML & OFAC Compliance - Part 3 (OnDemand) – 263898

In this three-part series, we delve into every aspect of BSA and OFAC compliance, covering program expectations, risk assessments, CTRs, SARs, CDD, EDD, beneficial owner rules, and more. 

Enterprise Risk Management & Compliance Series

Enterprise Risk Management - E3 – 263783

Enterprise Risk Management delves into what ERM is about and explores its key components. It also shares some best practices to help implement ERM effectively at your bank. Throughout the course, you will learn about the various types of risks that ERM addresses, giving you a comprehensive understanding of how this framework can benefit your institution. The course will also take a balanced look at the advantages and disadvantages of ERM so you can make informed decisions about how to apply it. 

FAST Module E3 Series

The following courses will have their FAST modules released:

• Beneficial Ownership – E3
• Frauds and Scams – E3
• Bank Broker/Dealer Exemptions – E3
• Handling Consumer Complaints – E3 
• Commercial Compliance Overview – E3
• Commercial Lending: Cash Flow & Underwriting – E3
• Commercial Lending: Collateral – E3
• Commercial Lending: Fair Lending & Other Concerns – E3 

Maintenance Updates

The following courses have been updated:

• [SS Fed] Real Estate Settlement Procedures Act - Part I – 83403
• Fair Housing Act - E3 – 178264
• Fair Housing Act - E3 - WCAG – 208337
• Truth in Lending Act - Regulation Z Refresher – 2732
• CU - Truth in Lending Act - Regulation Z Refresher – 124187
• Truth in Lending Act - Regulation Z Refresher - WCAG – 142946
• Expedited Funds Availability Act - Regulation CC - E3 – 152067
• Expedited Funds Availability Act - Regulation CC - E3 - WCAG – 207368
• Community Reinvestment Act (CRA) for Large Institutions - E3 – 175659 
• Community Reinvestment Act (CRA) for Large Institutions - E3 - WCAG – 208963
• Expedited Funds Availability Act - Regulation CC - E3 - WCAG – 207368

May 2024

Director Education Series

2405 - Regulation E: Two Hot Spots – 262850

During this program, we will look at unauthorized transfers from consumer accounts from electronic means—did the consumer initiate or benefit from it? And we will delve into Regulation E and overdrafts: these two hot spots can call your institution regulatory and legal risk.

Core Compliance Suite

2404 - Bi-Monthly Compliance Briefing - April (OnDemand) – 262856

This is a bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Maintenance Updates

The following courses have been updated:

• Home Mortgage Disclosure Act - Regulation C – 58680
• CU - Home Mortgage Disclosure Act - Regulation C – 75616
• Home Mortgage Disclosure Act - Regulation C - WCAG – 142944
• Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) - E3 – 135222
• Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) - E3 - WCAG – 208933
• TILA - Beyond Basics: Certain Home Mortgage Loans - E3 – 185713
• TILA - Beyond Basics: Certain Home Mortgage Loans - E3 - WCAG – 208351
• Fair Housing Act (FHA) – 17
• Flood Insurance - E3 – 194234
• Flood Insurance - E3 - WCAG – 207363

Adaptive E3 Courses

The following courses have been updated:

• Anti-Money Laundering and Bank Secrecy Act – Adaptive E3
• Deposit Compliance – Adaptive E3
• Electronic Fund Transfer Act - Regulation E – Adaptive E3
• Equal Credit Opportunity Act - Regulation B – Adaptive E3
• Ethics for Financial Institutions – Adaptive E3
• Expedited Funds Availability Act (EFAA) and Regulation CC – Adaptive E3
• Red Flags of Identity Theft – Adaptive E3 
• Right to Financial Privacy Act (RFPA) – Adaptive E3
• Servicemembers Civil Relief Act (SCRA) – Adaptive E3
• Suspicious Activity Reporting – Adaptive E3
• Truth in Lending Act: Regulation Z – Adaptive E3

April 2024

Director Education Series

2404 - Hiring for the Right Fit – 261021

What’s our end game? Hire right, coach well, and build strong teams. In this session, we will examine the optimal approaches for hiring individuals who are the right fit for your organization, specifically tailored to the financial services industry. We will also emphasize the significance of providing comprehensive training to managers and supervisors on the hiring process, encompassing methods to attract desirable candidates and pose appropriate interview questions that help determine the ideal fit.

Lending Compliance Series

FACT Act - E3 – 260697

This course explores the Fair and Accurate Credit Transactions Act (FACT Act), which aims to ensure consumer reporting agencies have fair and sensible ways to handle customers’ information, such as consumer credit, employment, insurance, and other data. The act has provisions for protecting customers' financial information, combating identity theft, and ensuring accuracy in the information provided to consumer reporting agencies. 

Home Mortgage Disclosure Act (HMDA): Regulation C - E3 – 260698 

The Home Mortgage Disclosure Act (HMDA), as implemented by Regulation C, outlines the fundamentals of recordkeeping, reporting, and disclosure requirements. The course explores HMDA's history and its crucial role in mortgage industry transparency and fair lending, how precise reporting and disclosure prevent costly institutional consequences, the many financial institutions and loan types regulated by HMDA and Regulation C, the variety of transactions that require careful documentation and reporting, and compliant reporting data points, typical recording errors, and partial exemptions.

Enterprise Risk Management and Compliance Series

Telemarketing Consumer Fraud and Abuse Prevention Act - E3 – 260723

This course reviews the privacy regulations that protect borrowers when they receive solicitations for mortgage products, the background and goals of the Telemarketing Consumer Fraud and Abuse Prevention Act and the Telephone Consumer Protection Act, and the issues and provisions related to phone solicitations, specifically the Do Not Call Registry.

Employment Law

California Workplace Violence

The ongoing threat of violence in the workplace continues to weaken morale and compromise organizational culture, not to mention putting employees' safety at risk. It's unacceptable that people should have to face the threat of violence while doing their jobs. To meet California Labor Code 6401.9, this training should be supplemented with workplace-specific violence risks and controls. This training addresses:   
- Definition of workplace violence and threats
- Warning indicators
- Specific threats to the workplace
- What bystanders who witness threats or violence can do
- Ways employees can deescalate threats of violence
- An organization's workplace violence prevention plan
- Responding to an armed intruder
- How to report concerns
- A manager's duties to prevent and respond to workplace violence
- Post incident responsibilities to prevent reoccurrence 

This course supports compliance with California Senate Bill 553 and section 6401.9 regarding training on workplace violence. Additional training may be needed to supplement this training to address requirements regarding workplace-specific risks and controls to prevent and mitigate violence.

Regulation Updates

The following courses have been updated:

• Flood Insurance – 32
• CU - Flood Insurance – 16373
• Flood Insurance - WCAG – 142943
• BOD - Flood Insurance – 13408
• CU - BOD - Flood Insurance – 45899
• BOD - Flood Insurance - WCAG – 179748
• Flood Insurance - E3 – 19432
• Flood Insurance - E3 - WCAG – 207363

Maintenance Updates

The following courses have been updated:

• Fair Lending Overview - E3 – 147916
• Fair Lending Overview - E3 - WCAG – 207362
• Insurance Disclosures – 171
• Anti-Tying – 84
• Commercial Lending: Fair Lending & Other Concerns - E3 – 204860
• Expedited Funds Availability Act - Regulation CC – 9
• Military Lending Act – 42264
• Military Lending Act - WCAG – 160667 

March 2024

Director Education Series

2403 - Deposit Regulation Update 2024 – 258663

During this program, we talk about Regulation CC, Regulation E, overdrafts, junk fees, and insurance on accounts. This quick review will give directors insight into the hottest topics in the deposit side for 2024.

Core Compliance Suite

2402 - Bi-Monthly Compliance Briefing - February (OnDemand) – 258776

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Regulation Updates

The following courses have been updated:

• Advertising Compliance – 8
• CU - Advertising Compliance – 16339
• Advertising Compliance - WCAG – 142933
• Telemarketing Consumer Fraud and Abuse Prevention Act – 14468
• CU - Telemarketing Consumer Fraud and Abuse Prevention Act – 30275
• FSC - Telemarketing Consumer Fraud and Abuse Prevention Act (TCPA) – 29281
• Telemarketing Consumer Fraud and Abuse Prevention Act - WCAG
• Truth in Lending Act - Regulation Z – 5442 
• CU - Truth in Lending Act - Regulation Z – 17157
• Truth in Lending Act - Regulation Z - WCAG – 174790
• Federal Regulation of Real Estate Appraisals – 1899
• CU - Federal Regulation of Real Estate Appraisals – 17186
• Federal Regulation of Real Estate Appraisals - WCAG – 174818 

Maintenance Updates

The following courses have been updated:

• Advertising Compliance – 8
• CU - Advertising Compliance – 16339
• Advertising Compliance - WCAG – 142933
• Anti-Tying – 84
• Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution – 2815
• Security of Customer Information Guidelines – 66755
• CU - Security of Member Information Guidelines – 67550
• FSC - Security of Customer Information Guidelines – 30032
• Security of Customer Information Guidelines - WCAG – 159442
• Fair Lending Overview - E3 – 147916
• Fair Lending Overview - E3 - WCAG – 207362
• Regulatory Compliance for Tellers - E3 – 161003
• Robberies – 66754
• CU - Robberies – 67464
• Robberies - WCAG – 159453
• Elder Financial Abuse - Adaptive E3
• Deposit Compliance - Adaptive E3
• Red Flags of Identity Theft - Adaptive E3
• Truth in Lending Act - Regulation Z - Adaptive E3
• Electronic Funds Transfer Act - Regulation E - E3 – 154063
• FBO - Anti-Boycott – 115338
• TISA - Truth in Savings Act: Reg DD - E3 – 221551
• CU - Flood Insurance – 16373
• Fair Lending Overview – 66750

February 2024

Director Education Series

2402 - Diversity, Equity, & Inclusion for the Board of Directors – 257409

This session explores the key aspects that our institutions should be mindful of and act on to establish a work environment that embraces inclusivity.

Core Compliance Suite

2401 - State of HMDA in 2024 (OnDemand) – 257292

We’re now a few years into the new age of HMDA – increased coverage requirements, data collection and submission, as well as risk. How are you doing with all this? In this webinar, we’ll review all the pain points of HMDA, including actions taken and a variety of data points.

2401 - Flood Insurance: Compliance Issues and Hot Spots (OnDemand) – 257291

Join us as we deeply examine the flood insurance regulations and interagency questions and answers. We focus on problematic issues and questions with recommendations for compliant programs.

Regulation Updates

NMLS-Approved 20-Hour Pre-Licensing Courses’ 2024 Changes

Updates have been applied to the necessary SAFE Suite courses based on the NMLS - approved 20-hour pre-licensing courses. Updates include the various new threshold figures for 2024.

The following courses have been updated:

• [SS Fed] Real Estate Settlement Procedures Act - Part II – 83457
• [SS Fed] Identifying High-Cost Mortgages and Higher-Priced Mortgage Loans – 84216
• [SS Fed] Home Mortgage Disclosure Act – 84889
• [SS Fed] Privacy Rules – 87242
• [SS Gen] Qualified and Non-Qualified Mortgage Programs – 88079
• [SS Gen] Conventional Mortgages – 88085
• [SS Gen] Nonconforming Mortgages – 88166
• [SS Gen] VA and USDA Loans – 88199
• [SS Gen] High-Cost Mortgage Loans – 88209
• [SS Gen] Higher-Priced Mortgage Loans – 88213
• [SS Gen] Reverse Mortgages – 88249
• [SS LO] Mortgage Calculations – 88405
• [SS LO] Completing the Loan Application – 88266
• [SS Eth] Unfair, Deceptive, or Abusive Acts or Practices – 88443

Maintenance Updates

The following courses have been updated:

• Truth in Savings - Regulation DD Refresher – 2323
• CU - Truth in Savings - Regulation DD Refresher – 124192
• Truth in Savings - Regulation DD Refresher - WCAG – 142948
• Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution – 2815
• CU - Unfair, Deceptive, or Abusive Acts or Practices for the Credit Union – 67482
• DB - Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution – 48206
• Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution - WCAG – 159445  
• Regulation E Error Resolution – 29661
• Regulation E Error Resolution - WCAG – 160668 
• Change Management – 45102
• CU - Change Management – 45804
• Bank Secrecy Act Refresher – 2737
• CU - Bank Secrecy Act Refresher – 124429
• Bank Secrecy Act Refresher - WCAG – 142951
• Truth in Savings - Regulation DD Refresher – 2323
• CU - Truth in Savings - Regulation DD Refresher – 124192
• Truth in Savings - Regulation DD Refresher - WCAG – 142948
• Flood Insurance – 32
• CU - Flood Insurance – 16373
• Flood Insurance - WCAG - 142943
• Active Shooter - E3 – 206954
• Customer Identification Program (CIP) - E3 – 133458
• Customer Identification Program (CIP) - E3 - WCAG – 208937
• Check 21 Act Overview – 82 

January 2024

Director Education Series

2401 - Overdraft and NSF Fees: What Should Banks Do? – 254742

During this session, we will discuss the use of these technologies and ensure you have a strong understanding as these new technologies will only become more prevalent in the coming years.

Core Compliance Suite

2312 - Bi-Monthly Compliance Briefing - December (OnDemand) – 253240

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

2311 - BSA Critical Issues (OnDemand) – 253241

There is a lot going on with BSA – in this webinar, we cover new mandates, requirements, and recommendations, as well as talk about what’s coming and when, and we provide recommendations on how to deal with critical BSA/AML issues right now.

Retired Courses

The Cybersecurity Starter series is no longer available as of January 1, 2024.

Regulation Updates

The following courses have been updated:

• FHFA Loan Limits
• CRA Asset-Size Threshold 
• Regulation Z: HPML Special Appraisal Exemption Threshold 
• Regulation Z: Points & Fees
• Regulation Z: Qualified Mortgages Points & Fees 
• Regulation Z: Threshold for Exempt Consumer Credit Transactions 
• Regulation M: Threshold for Exempt Consumer Leases
• Regulation C: Home Mortgage Disclosure Act (HMDA) 

Maintenance Updates

The following courses have been updated:

• Suspicious Activity Reports - Red Flags for Tellers/CSRs/Operations - E3 – 135311
• Suspicious Activity Reports - Red Flags for Tellers/CSRs/Operations - E3 - WCAG – 208948
• Unlawful Internet Gambling - Reg GG – 58
• CU - Unlawful Internet Gambling - Reg GG – 17207
• Unlawful Internet Gambling - Reg GG – 168999
• A Borrower's Right to Privacy in a Mortgage Transaction – 12271 
• Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 76
• DB - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 48193
• FBO - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 115339
• FSC - Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) – 21907
• Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) - WCAG – 159462
• Federal Deposit Insurance Corporation (FDIC) - E3 – 154713 
• Bank Broker/Dealer Exemptions: Regulation R – 81
• Bank Broker/Dealer Exemptions: Regulation R - WCAG – 168949
• Equal Credit Opportunity Act - Regulation B - E3 – 147116
• Equal Credit Opportunity Act - Regulation B - E3 - WCAG – 207361
• Fair Lending Overview - E3 – 147916

Mortgage Course Updates

The following course(s) have been updated in the OCL Artisan environment:

• Ability to Repay (ATR) and Qualified Mortgage (QM) Rules – 25023
• Fast Track to Success: A Primer for New Mortgage Loan Originators – 12599
• FHA Factor in Mortgage Lending – 12617
• Home Mortgage Disclosure Act (HMDA) – 12557
• Reverse Mortgages – 12607
• Telemarketing Consumer Fraud and Abuse Prevention Act – 12622
• Originating VA Loans – 25289
• Home Ownership and Equity Protection Act – 12578

October 2023

Onboarding Unleashed Series

This video-based series covers seven key topics to enhance the hiring, onboarding, and retention processes in financial institutions. The best practices in these courses will lead to higher employee engagement, teamwork, and reduced turnover.

Interview Tips to Ensure You’re Hiring the Right Fit – 249839

In this session, we explore strategies to ensure you hire the right fit for your organization. Hiring the right employees goes beyond just evaluating skills and qualifications; it’s about finding individuals whose attitudes align with your company culture and values. We’ll discuss what to ask and listen for during interviews to identify candidates who not only possess the necessary skills but also demonstrate the right attitude.

What New Hires Should Know Before Their First Day – 249848 

In this session, we discuss what new hires should know before their first day to ensure a smooth transition into your organization. By providing essential information and setting clear expectations, you can help new employees feel prepared and confident as they embark on their journey with your institution.

Preparing for a Successful First Day: Manager’s Checklist – 249850

In this session, we focus on the essential tasks that direct managers should complete before a new hire’s first day to ensure a smooth and positive onboarding experience. By taking proactive steps to welcome new employees, managers can create an environment that fosters a sense of belonging and support.

Director Education Series

2310 – BSA and Your Role in Digital Currency and Cryptocurrency – 249509

During this program, you will learn about the ecosystem for virtual currency and how your financial institution should respond. It’s your decision, but digital currency is not going away. Where will your institution live in this digital world?

Transaction Compliance Series

BSA/AML for Lenders - E3 – 249626

This course examines the components of the Bank Secrecy Act (BSA) that are important to loan officers, including specific requirements regarding customer identification procedures. This course also explains what suspicious activity a loan officer needs to investigate, and the process for reporting it.

BSA/AML for Operations - E3 – 249669 

This course examines the components of the Bank Secrecy Act (BSA) that are important to operations employees, including Currency Transaction Reports and Suspicious Activity Reports. Operations employees October 2023 Course Updates OnCourse Learning 2 | Page have greater access to customer account records than other financial institution employees, which provides increased opportunities to detect certain types of fraud.

BSA/AML for Tellers - E3 – 249732

The Bank Secrecy Act (BSA) helps the U.S. government fight money laundering. Tellers can help law enforcement and federal authorities detect, disrupt, and prosecute criminals by following the BSA’s policies on transaction reporting, identifying suspicious activity, and recordkeeping. This course teaches how the BSA applies to the teller’s front-line position.

Maintenance Updates

The following courses have been updated:

• A Borrower’s Right to Privacy in a Mortgage Transaction – 12271
• CU - A Borrower’s Right to Privacy in a Mortgage Transaction – 45630
• Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution – 2815
• Truth in Savings Act - Regulation DD – 66758
• CU - Truth in Savings Act - Regulation DD – 68176
• Health Savings Accounts – 3350
• IRA Contributions – 3005
• Mortgage Servicing Compliance - Flood Insurance – 152318
• Real Estate Settlement Procedures Act - Regulation X – 40019
• CU - Real Estate Settlement Procedures Act - Regulation X – 17197
• Suspicious Activity Reporting (SAR) - E3 – 135204

September 2023

Director Education Series

2309 - Beneficial Ownership Secure System – 248466

During this session we provide updates on beneficial ownership registration and what we expect our account holders will do to be in compliance with national database requirements. Learn who has to register and how they have to register with the federal government.

Core Compliance Suite

2308 - Bi-Monthly Compliance Briefing - August – OnDemand

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

2307 - State of Cannabis Banking in 2023 - Is This the Year for Legalization? – OnDemand

It seems like the question of the legality of banking cannabis businesses has gone on forever, but it is a complex topic. With the expanding legality at the state level (although of various degrees), is now the time for your September 2023 Course Updates OnCourse Learning 2 | Page institution to jump into the fray? This webinar discusses the current state of affairs regarding cannabis banking, including hemp production.

Transaction Compliance Series

BSA/AML for Customer Service Representatives (CSRs) - E3 – 248456

The Bank Secrecy Act (BSA) helps the U.S. government fight money laundering. Customer service representatives (CSRs) can help law enforcement and federal authorities detect, disrupt, and prosecute criminals by following the BSA’s policies for customer identification, transaction reporting, and recordkeeping. This course teaches how the BSA applies to the front-line position of a CSR.

Counterfeiting and Forgery - E3 – 214694

Financial institutions face concerns regarding counterfeiting and forgery due to the large amount of money they handle and process. To ensure the security of money, they must take proactive measures. This course teaches how to identify and take action against the security threats of counterfeiting and forgery.

Enterprise Risk Management and Compliance Series

Regulation U - E3 – 248451

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.

Maintenance Updates

The following courses have been updated:

• A Borrower’s Right to Privacy in a Mortgage Transaction – 12271
• CU - A Borrower’s Right to Privacy in a Mortgage Transaction – 45630
• Appraisal and Evaluation Interagency Guidelines – 34814
• CU - Appraisal and Evaluation Interagency Guidelines – 19886
• DB - Appraisal and Evaluation Interagency Guidelines – 48185
• Anti-Tying – 84
• Collection Practices and Loan Workouts – 34819
• IRA Required Minimum Distributions – 3346
• Cash Handling Skills – 123
• CU - Cash Handling Skills – 17131
• Elder Financial Abuse – 66747
• CU - Elder Financial Abuse – 67323
• Fair Credit Reporting Act (FCRA) - E3 – 148620
• Fair Debt Collection Practices Act (FDCPA) - E3 – 179649
• Mortgage Servicing Compliance – Seriously Delinquent Borrowers – 162743

August 2023

Director Education Series

2308 - Crypto Basics for the Board – 245219 

This Director’s Education Series webinar discusses the basics of cryptocurrency. It explains what cryptocurrency is, the types of cryptocurrencies, and the role of your customers. It also discusses risks for financial institutions in accepting cryptocurrency and real-life examples of illicit uses of cryptocurrency.

Deposit Compliance Series

Overdraft Protection Guidelines and Regulations - E3 – 246628 

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 also discusses the elements of a good overdraft program.

Enterprise Risk Management and Compliance Series

Safeguarding Customer Information - Gramm-Leach-Bliley - E3 – 247378

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.

Retail Banking Series

Cash Handling Skills - E3 – 247583

This course provides an overview of the denominations of U.S. money, reviews some basic accounting principles involved in balancing a cash drawer, and describes the policies and procedures for the beginning and end of each day. 

State-Specific Sexual Harassment Series

US Workplace Harassment and Discrimination: Chicago Manager

Given continued challenges with disrespectful conduct in business at work, Workplace Harassment (6th Ed.), focuses on sexual and other harassing conduct. Through scenario and motion graphics videos, it addresses the importance of respectful conduct toward co-workers and benefits that preventing and addressing harassment can provide. The training focuses on the ways that individuals are subject to or engage in questionable conduct and the harm this causes to a workplace culture. It also presents ways that everyone can raise concerns or otherwise address this conduct in a responsible manner. It includes exercises to promote learning and building skills for recognizing and responding to improper behaviors and supporting a workplace that promotes respectful conduct. This version is designed for managers in Chicago. This course allows learners to select US English or Latin American Spanish.

Retired Courses

• Unplugged: Identity Theft Red Flags
• Unplugged: OFAC
• Unplugged: Phishing

Maintenance Updates

The following courses have been updated:

• The Importance of Third-Party Vendor Management – 14805
• BOD - Bank Secrecy Act for Directors and Senior Management – 51
• Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution – 2815
• CU - Unfair, Deceptive, or Abusive Acts or Practices for the Credit Union – 67482 
• Fair Housing Act - E3 – 178264
• Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution - E3 – 159285
• BOD - Bank Secrecy Act for Directors and Senior Management – 19895
• Bank Secrecy Act Refresher – 2737
• CU - Bank Secrecy Act Refresher – 124129
• [SS Eth] Ethical Behavior of Consumers – 88464
• CU - BOD – Volunteers for Credit Unions – 19895

July 2023

Director Education Series

2307 - Opening Deposit Accounts Online - Things to Consider

In this program we look at some of the more complex issues for our virtual branch. Are we gathering children’s information without parental permission? How do we address due diligence for the Bank Secrecy Act? Where is the money deposited? What state is it in and under what law? Many issues continue to complicate the opening of accounts from the convenience of home computers.

Adaptive Learning Series

Red Flags of Identity Theft – E3 Adaptive Course

This course provides an introduction and overview of identity theft. To apply the techniques to help prevent identity theft, it is important to recognize identity theft’s impact on its victims and understand how perpetrators conduct this crime. The Fair and Accurate Credit Transactions Act (FACT Act) amended the Fair Credit Reporting Act, and Sections 114 and 115 of the FACT Act established the requirements for an Identity Theft Prevention Program for financial institutions. You will learn the key elements of this type of program in this course.

Ethics for the Financial Institution – E3 Adaptive Course

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.

Enterprise Risk Management and Compliance Series

Regulation II: Debit Card Interchange Fees and Routing - E3 – 237636

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.

Transaction Compliance Series

Frauds and Scams - E3 – 237295

Financial institutions handle and process large amounts of money, making 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.

Maintenance Updates

The following courses have been updated:

• Truth in Lending Act - Regulation Z – 5442
• CU - Truth in Lending Act - Regulation Z – 17157
• Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution – 2815
• CU - Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution – 67482
• Community Reinvestment Act (CRA) Refresher – 64
• Suspicious Activity Reports - Red Flags for Tellers/CSRs/Operations - E3 – 135311
• TILA - Home Equity Lines of Credit (HELOC) – 5444
• CU - TILA - Home Equity Lines of Credit (HELOC) – 24610 

June 2023

Director Education Series

2305 - BSA and OFAC Update 2023 – 238935

In the United States, close to 400,000 Suspicious Activity Reports were filed on check fraud in 2022, which is more than double the number from 2021. We can only imagine what the numbers will be like in 2023. You may be wondering why – is it mobile deposits, a lack of knowledge about checks, or a lack of support from management to enforce check rules? Or perhaps it is a combination of all of those issues. Whatever the cause, your institution is being hit hard, and it may get worse. This program looks at the problem and simple check rules that can keep your institution safe.

Core Compliance Suite

2306 - Bi-Monthly Compliance Briefing - June (OnDemand) – 243029

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Adaptive Learning Series

Office of Foreign Assets Control (OFAC) – E3 Adaptive Course

This course explains the purpose and mission of the Office of Foreign Assets Control (OFAC), provides an overview of the coverage and scope of the sanctions and regulations administered by OFAC, and describes the essential elements of a sound OFAC compliance program.

Nonbank Financial Services E3 Courses

We are excited to share the following courses are now available in our engaging E3 format.

FSC - Advertising Compliance - E3 – 237842

Federal regulations and laws are critical components of your company's overall advertising strategy. This course delves into advertising best practices as well as the components of a compliance program. Knowing the components of advertising compliance will help your company avoid costly penalties.

FSC - Unfair, Deceptive, or Abusive Acts or Practices: A Close Look at UDAAP - E3 – 237376

Unfair, deceptive, or abusive acts and practices can cause significant financial harm to consumers, erode consumer confidence, and undermine the financial marketplace. This course investigates how financial products or services, such as money transfers or fee-based transactions, may pose risks to consumers.

Maintenance Updates

The following courses have been updated:

• Truth in Lending Act - Regulation Z – 8
• CU - Truth in Lending Act - Regulation Z – 17157
• Mortgage Servicing Compliance - Seriously Delinquent Borrowers – 162743
• IRA Rollovers, Transfers, and Direct Rollovers – 3347
• Beneficial Ownership - E3 – 215972
• Regulation E Error Resolution – 29661
• CU - Regulation E Error Resolution – 21654 
• Reserve Requirements – 45
• CU - Reserve Requirements – 23102
• Right to Financial Privacy Act (RFPA) – 63
• CU - Right to Financial Privacy Act (RFPA) – 17206
• Sweep Account Disclosure Requirements – 59

May 2023

Director Education Series

2305 – BSA and OFAC Update 2023 – 238935

In this program we update your board of directors on all the big topics for BSA and OFAC in 2023. Highlights include the three-step process to complete the national beneficial ownership registration, cybercrime prevention, human crimes, issues with Ukraine and OFAC, and the new national priorities and their impact on the day-to-day program.

IRA Talks Series

IRA Accounts Talks is a series of conversations about IRA topics for the deposit area. The purpose of this series is to create unique, short educational programs for both professional development and increasing the technical expertise of our front-line staff. It is a more casual approach to learning fundamentals about IRA products, movements, distributions, compliance, and other important topics. Designed for weekly or monthly meetings and the orientation or ongoing development of your IRA coordinators and branch staff, these Talks are a new approach to complement and enhance your current IRA training programs. These videos are also good basic training for officers and managers.

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Fundamentals of Commercial Real Estate Lending Series

This program provides bankers with a basic understanding of commercial real estate lending concepts and techniques. Participants learn a number of objectives throughout the program, including how to recognize the risks inherent in all areas of real estate lending, evaluate real estate loan repayment sources, construct a basic income property cash flow, and understand basic appraisal concepts, just to name a few.

Core Compliance Suite

2304 - BSA/AML & OFAC Compliance - Part 1 (OnDemand) – 240572

2304 - BSA/AML & OFAC Compliance - Part 2 (OnDemand) – 240573

2305 - BSA/AML & OFAC Compliance - Part 3 (OnDemand) – 240575

In this three-part series, we delve into every aspect of BSA and OFAC compliance, including program expectations, risk assessments, CTRs, SARs, CDD, EDD, beneficial owner rules, and much more. We also talk about where the risk areas are and where examiners are criticizing institutions. Your comprehensive program must be continually updated, and we make sure you have the information you need to meet expectations.

Adaptive Learning Series

Servicemembers Civil Relief Act (SCRA) – E3 Adaptive Course

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

Maintenance Updates

The following courses have been updated:

• Fair Lending Overview – 66750
• CU - Fair Lending Overview – 67285
• Microsoft Office 2013 PowerPoint – 41260
• Flood Insurance – 14
• CU - Flood Insurance – 16373
• Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) - E3 – 135222
• Exploring Mortgage Servicing Rules – 66846
• Safeguarding Customer Information - Gramm-Leach-Bliley – 45122
• Federal Elections Campaign Act (FECA) – 28
• Federal Deposit Insurance Corporation (FDIC) – 20
• Expedited Funds Availability Act - Regulation CC – 9
• CU - Expedited Funds Availability Act - Regulation CC – 16360 
• Electronic Funds Transfer Act: Regulation E – 66748
• CU - Electronic Funds Transfer Act: Regulation E – 67455 
• Deposit Compliance – 66744
• CU - Deposit Compliance – 67512
• Overdraft Protection Guidelines and Regulations – 19942
• CU - Overdraft Protection Guidelines and Regulations – 34838
• Advertising Compliance – 8
• CU - Advertising Compliance – 16339
• Methods of International Payments – 19941

April 2023

Adaptive Learning Series

Equal Credit Opportunity Act: Regulation E – E3 Adaptive Course

This course provides an overview of the Equal Credit Opportunity Act and 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 exercising of rights under the Consumer Credit Protection Act. Important regulatory restrictions and precautions that involve taking credit applications, evaluating applications, notifying applicants of the credit decision, and maintaining records of the loan are explored in this course, along with who and what are covered by the law and the adverse action and appraisal disclosure requirements.

Truth in Lending Act: Regulation Z – E3 Adaptive Course 

This course provides an overview of the Truth in Lending Act (TILA) and 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.

Nonbank Financial Services E3 Courses

We are excited to share the following courses are now available in our engaging E3 format.

FSC - AML Practical Applications - E3 – 236679

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

FSC - AML Practical Applications - E3 – 236679

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. The federal E-Sign Act, which applies to both interstate and international commerce, allows electronic records to satisfy any law or regulation that requires written information.

FSC - Servicemembers Civil Relief Act - E3 – 236520

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

Maintenance Updates

The following courses have been updated:

• Home Mortgage Disclosure Act - Regulation C – 58680
• TILA - Beyond Basics - Certain Mortgage Loans – 5450
• CU - TILA - Beyond Basics - Certain Mortgage Loans – 24616
• Anti-Boycott – 14
• Affiliate Transactions: Regulation W – 4979
• Cash Management Services – 34815
• Automated Clearing House (ACH) – 163
• Check 21 Act Overview – 82
• Overdraft Protection Guidelines and Regulations – 34838
• CU - Overdraft Protection Guidelines and Regulations – 19942
• Truth in Lending Act: Regulation Z - E3 – 183946
• BOD - Loans to Executive Officers - Regulation O – 13496
• CISA 01 - Security System Issues – 4611
• Health Savings Accounts – 3350
• Suspicious Activity Reporting – 66756
• CU - Suspicious Activity Reporting – 67575
• Suspicious Activity Reporting (SAR) - E3 – 135204
• Anti-Terrorism - E3 - 135204

Mortgage Course Updates

The following course(s) have been updated in the OCL Artisan environment.

The following courses have been updated to reflect the FHA’s 2023 mortgage insurance premium (MIP) rate changes:

• FHA Factor in Mortgage Lending – 12617
• Fast Track to Success: A Primer for New Mortgage Loan Originators – 12599
• FHA Lending Overview - E3 – 145361

The following courses have been updated to reflect the VA’s funding fee changes:

• Originating VA Loans – 25289
• VA Lending Overview - E3 – 153442
• Underwriting VA Loans - E3 – 153672

March 2023

New Accounts Talk Now Available

New Accounts Talks is a series of conversations about banking topics for the new accounts area. This series creates unique, short educational programs for both professional development and increasing the technical expertise of front-line staff. The series takes a more casual approach to learning fundamentals about account ownership, tax reporting, signature cards, documentation, cash, holds, regulations, and other important topics. Designed for weekly or monthly meetings, orientation or ongoing development of your new accounts and branch staff, these talks are a new approach that will complement and enhance your already developed new account training programs. Some New Accounts Talks can fulfill annual training requirements such as BSA and Regulation CC on Holds.

Core Compliance Suite

2303 - Marketing & Advertising Compliance - Part 1 (OnDemand) – 236430

This three-part series covers the comprehensive landscape of marketing and advertising compliance requirements. These webinars provide many examples of how the rules apply as well as recommendations for how to deal with requirements.

2303 - All Things TRID 2023 (OnDemand) – 236431

This webinar reviews and discusses many of the major TRID issues affecting lenders, including the most recent updates and some continued, unresolved questions, and how to deal with them.

Director Education Series

2303 - Climate Risk and Opportunity Governance – 234046

Boards have an important role to play as banks take steps to address the physical and economic transition risks driven by our climate crisis. Financial institutions face increased calls for information and progress on climate issues from a broad swath of stakeholders including regulators, investors, customers, employees, NGOs, and communities. Understanding the macroeconomic issues related to the financial exposure banks face from climate change is imperative. As board oversight responsibility expands to governance over climate-related risks and opportunities, it is critical for directors to ensure they are well-positioned to address these new challenges.

Maintenance Updates

The following courses have been updated:

• Bank Secrecy Act – 66740
• CU - Bank Secrecy Act – 67363 
• Bank Secrecy Act – 67363 
• [SS Fed] Real Estate Settlement Procedures Act - Part I – 83403
• Truth in Lending Act: Regulation Z - E3 – 183946
• Fair Housing Act (FHA) - E3 – 178264
• [SS Fed] The TILA-RESPA Integrated Disclosure (TRID) Rule Part I – 84451
• Ethical Dilemmas and the Fight Against Mortgage Fraud – 13061 

February 2023

NEW Compliance Training E3 Courses Now Available in the Non-Bank Financial Services Catalog! 

We are excited to share the following courses are now available in our engaging E3 format.

Nonbank Financial Services Series:

• FSC - Electronic Fund Transfer Act: Regulation E - E3
• FSC - Security of Customer Information - E3

Financial Services Audit Series:

• FSC - Protecting the Front Lines: AML Policy and Procedure - E3
• FSC - Detect and Report: Complying With Suspicious Activity Reporting - E3

"Talk Series" Now Available

The “Talk Series” is a new, conversational approach to compliance training. This training is aimed for those new banking and/or new to their role. Contact your Relationship Manager to learn how to add these series to your subscription today!

• Teller Talks
• BSA Talks

Retired Courses

The course, California Consumer Privacy Act (CCPA) – 146525, has been retired. Upon the passage of Proposition 24 in 2020, clients should begin using the new course California Privacy Rights Act (CPRA) as a replacement course to CCPA.

Core Compliance Suite

2302 – Bi-Monthly Compliance Briefing - February – 234068

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

2302 - State of HMDA in 2023 – 234066

We discuss the current state of HMDA so close to submission in this session and answer some of your questions.

Director Education Series

2302 - ESG Update for the Board – 233594

Environmental, social, and governance risks combined with looming ESG regulations are producing heightened expectations for bank boards. Investors are seeking robust ESG reporting and are investing in firms with stronger ESG performance. The webinar provides board members with a basic understanding of ESG principles and practices and explores why banks are integrating ESG into strategic priorities. We also outline how corporate social responsibility is closely linked to ESG efforts.

Regulation Updates

NMLS-Approved 20-Hour Pre-Licensing Courses’ 2023 Changes

Updates have been applied to the necessary SAFE Suite courses based on the NMLS approved 20-hour pre-licensing courses. Updates include the various new threshold figures for 2023.

The following courses have been updated:

• [SS Fed] Truth-in-Lending Act - Part III – 84213
• [SS Fed] Real Estate Settlement Procedures Act - Part I – 83403
• [SS Fed] Real Estate Settlement Procedures Act - Part II – 83457
• [SS Fed] Equal Credit Opportunity Act – 83689
• [SS Fed] Identifying High-Cost Mortgages and Higher-Priced Mortgage Loans – 84216
• [SS Fed] Home Mortgage Disclosure Act – 84889 • [SS Fed] Homeowners Protection Act – 84739
• [SS Fed] Dodd-Frank Act – 84931
• [SS Fed] Privacy Rules – 87242
• [SS Gen] Qualified and Non-Qualified Mortgage Programs – 88079
• [SS Gen] Conventional Mortgages – 88085
• [SS Gen] Nonconforming Mortgages – 88166
• [SS Gen] Mortgage Loan Products – 88206
• [SS Gen] High-Cost Mortgage Loans – 88209
• [SS Gen] Higher-Priced Mortgage Loans – 88213

2023 SAFE Act 2.0

The following courses have been updated to reflect these regulation updates:

• Excess IRA Contributions – 3348
• IRA Contributions – 3005
• IRA Beneficiary Options – 3004
• IRA Distributions – 3006
• IRA Rollovers, Transfers, and Direct Rollovers – 3347
• Roth IRA Overview – 3349
• Traditional IRA Overview – 3345

Maintenance Updates

The following courses have been updated:

• Fair Lending Overview – 66750
• Roth IRA Overview – 3349
• Anti-Money Laundering (AML) – 66739
• Loans to Executive Officers: Regulation O – 50
• FSC - Telemarketing Consumer Fraud and Abuse Prevention Act (TCPA) – 29281
• Fair Debt Collection Practices Act (FDCPA) – 12
• Home Mortgage Disclosure Act - Regulation C – 58680
• Expedited Funds Availability Act - Regulation CC - E3 – 152067
• Electronic Funds Transfer Act - Regulation E - E3 – 154063
• Truth in Lending Act: Regulation Z - E3 – 183946
• Community Reinvestment Act (CRA) for Large Institutions – 4872
• Community Reinvestment Act (CRA) Refresher – 64
• Robberies - E3 – 165994
• Fair Housing Act (FHA) – 17
• CU - Bank Secrecy Act for Operations – 14095 

Mortgage Course Updates

The following course(s) have been updated in the OCL Artisan environment:

• Fair Housing Act (FHA) – 12610
• Fair Lending Laws Overview [22] – 152170
• The Equal Credit Opportunity Act (Regulation B) – 12573

January 2023

Adaptive Learning Series

We are further personalizing the student's e-learning experience through our new, adaptable courseware. This courseware adapts to the student's knowledge proficiency and puts a laser focus on areas of opportunity. These adaptive courses have all the elements of our effective, efficient, and engaging (E3) courseware, so you can be sure your students are receiving the highest caliber of content.

• Expedited Funds Availability Act: Regulation CC - E3 Adaptive Course
• Suspicious Activity Reporting (SAR) - E3 Adaptive Course

New Compliance Training E3 Course Available!

We are excited to share the following courses are now available in our engaging E3 format.

• Bank/Broker Dealer Exemptions - Regulation R - E3

Director Education Series

2301 - Board Diversity Mandates and Evolving Expectations – 226179

Many banks are incorporating DEI initiatives to create paths for advancement for diverse talent and to attract the next generation of young banking professionals. Some banks have begun to focus on cultivating inclusive work environments where diverse talent can thrive and do their best work. In a rapidly evolving regulatory landscape, directors must understand the implications of Nasdaq’s Board Diversity Rule and other initiatives intended to diversify boards. With a new focus on ESG criteria, more stakeholders are increasingly interested in understanding your bank’s DEI goals and performance.

Core Compliance Suite

2212 - Bi-Monthly Compliance Briefing - December 2022 (OnDemand) – 231696

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

LMS Updates

• Enhancements to the Test Out Feature in Artisan

Regulation Updates

The following courses have been updated:

• FHFA Loan Limits
• CRA Asset-Size Threshold  
• Regulation Z: HPML Special Appraisal Exemption Threshold 
• Regulation Z: Points & Fees 
• Regulation Z: Qualified Mortgages Points & Fees 
• Regulation Z: Threshold for Exempt Consumer Credit Transactions 
• Regulation M: Threshold for Exempt Consumer Leases 
• Regulation C: Home Mortgage Disclosure Act (HMDA) 
• 2023 IRA MAGI and Contribution Limits 

Maintenance Updates

The following courses have been updated:

• Foreign Corrupt Practices Act (FCPA) – 30
• Foreign Corrupt Practices Act (FCPA) - E3 – 178321
• Office of Foreign Assets Control (OFAC) - E3 – 133590
• GLB Privacy (No Opt-Out) - Regulation P - E3 – 150945
• Telemarketing Consumer Fraud and Abuse Prevention Act – 14468
• CU - Telemarketing Consumer Fraud and Abuse Prevention Act – 30275
• Accepting Negotiable Instruments - E3 – 158256
• National Bank Trust - Part 9 – 44
• Truth in Savings - Regulation DD – 66758
• CU - Truth in Savings - Regulation DD – 68176 
• Customer Information Security Awareness (CISA) – 11142
• CISA 22 - Incident Response Program – 9143
• CU - MISA - Member Information Security Awareness – 22399
• CU - MISA - Incident Response Program – 23053 
• Bank Secrecy Act for Operations – 97
• CU - Bank Secrecy Act for Operations – 14095 

Mortgage Course Updates

The following course(s) have been updated in the OCL Artisan environment:

• Home Ownership and Equity Protection Act (HOEPA) - E3 – 149044
• Ability to Repay (ATR) and Qualified Mortgage (QM) Rules – 25023
• Fast Track to Success: A Primer for New Mortgage Loan Originators – 12599
• FHA Factor in Mortgage Lending – 12617
• Home Mortgage Disclosure Act (HMDA) – 12557
• Reverse Mortgages – 12607
• Telemarketing Consumer Fraud and Abuse Prevention Act – 12622
• Truth-in-Lending Act (TILA) – 12586
• Originating VA Loans – 25289

Retired Courses

• Defeating Social Engineers – Standard, has been retired for 2023. Clients should utilize the course Defeating Social Engineers – Advanced as a replacement.

November 2022

NEW E3 Courses Now Available in the Non-Bank Financial Services Catalog! 

We are excited to share the following courses are now available in our engaging E3 format.

Nonbank Financial Services Series:

• Customer Due Diligence and Enhanced Due Diligence (CDD/EDD) ~ E3
• Customer Identification Program (CIP) ~ E3

Nonbank Financial Services Audit Series:

• FSC – BSA Awareness and Protection ~ E3
• AML Awareness and Protection ~ E3

Director Education Series

2211 - Dodd-Frank Act Section 1071: Preparing for Implementation – 222503

Dodd-Frank Section 1071 requires the Consumer Financial Protection Bureau (CFPB) to issue final rules requiring small business lenders to collect data on lending to women and minority-owned small businesses and report this data to the CFPB annually. A final regulation is expected to be issued by the CFPB in Spring 2023. This course explains who and what are covered, what is considered a covered transaction, and data points to be collected and reported.

Core Compliance Suite

2210 - Bi-Monthly Compliance Briefing - October 2022 (OnDemand) – 227228

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

2210 - Marketing & Advertising Compliance - Part 1 (OnDemand) – 227229

2210 - Marketing & Advertising Compliance - Part 2 (OnDemand) – 227230

This is a two-part webinar series that covers the comprehensive landscape of marketing and advertising compliance requirements. In these webinars we provide many examples of how the rules apply as well as recommendations for how to deal with all the requirements.

LMS Updates

• Action Buttons in Reports Have Moved
• Have Complete Control on Saving Report Updates
• Reports with Filters That Return No Data

Maintenance Updates

The following courses have been updated:

• TILA - Closed-End Residential Loans - E3 – 188052
• Introduction to Appraisal – 19934 
• CU - Ethics for Credit Union Professionals – 67283
• Providing Service to Customers With Disabilities – 1891
• DB - Providing Service to Customers With Disabilities – 48195
• FSC - Providing Service to Customers With Disabilities – 29279

Mortgage Course Updates

The following course(s) have been updated in the OCL Artisan environment:

• Mortgage Math - E3 – 147793 

October 2022

Adaptive Courses added to the Adaptive Learning Series

Adaptive courses have all the elements of our effective, efficient, and engaging (E3) courseware, so you can be sure your students are receiving the highest caliber of content.

• Right to Financial Privacy (RFPA) - Adaptive E3
• Electronic Fund Transfer Act – Regulation E - Adaptive E3

Director Education Series

2210 – Cannabis Banking Issues: Where Do We Stand Now? – 222292

Since cannabis is still illegal under federal law, any money that banks collect from marijuana-related businesses can technically be considered laundered and therefore at risk of seizure. Learn where we are today with the most updated proposed federal legislation to protect your institution.

LMS Updates

• Reports now include a column for “Termination Date”
• Webinars can be started from OnCourse Direct calendar
• Scheduled report with no data now returns “No report data” email

Maintenance Updates

The following courses have been updated:

• Commercial Lending: Collateral - E3 – 204859
• Customer Identification Program (CIP) – 66743
• Currency Transaction Reports (CTRs) - E3 – 135307

Mortgage Course Updates

The following course(s) have been updated in the OCL Artisan environment:

• QM Rule Update - The mandatory compliance date for the QM Rule is October 1, 2022.

September 2022

NEW E3 Course Now Available! 

Unlawful Internet Gambling - E3 – 159262

This course is an introduction to Regulation GG and contains an overview of the regulation, the Unlawful Internet Gambling Enforcement Act, the policies and procedures that need to be implemented, the due diligence that must occur at the opening of an account, how to handle suspicious and restricted transactions, and other pertinent issues. 

Director Education Series

2206 - Growth Strategies for Any Environment - Part 4: Promotion – 222292

This Director’s Education Series webinar discusses what it takes to grow your bank and succeed at the highest level regardless of economic environment as well as the importance of properly promoting your products.

Core Compliance Suite

2207 - Flood Insurance: Compliance Issues and Enforcement Tips, Including New Q&As – OnDemand

A deep examination of the flood insurance regulations and new interagency questions and answers that focus on problematic issues and questions with recommendations for compliant programs.

2208 - Bi-Monthly Compliance Briefing - August 2022 – OnDemand

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Regulation Updates

The following courses have been updated:

• Federal Regulation of Real Estate Appraisals – 1899
• CU - Federal Regulation of Real Estate Appraisals – 177186
• DB - Federal Regulation of Real Estate Appraisals – 48190

Maintenance Updates

The following courses have been updated:

• Flood Insurance – 32 
• CU - Flood Insurance – 16373
• Unplugged: Social Engineering – 66813
• Private Mortgage Insurance – 109
• CU - Private Mortgage Insurance – 17153
• Anti-Money Laundering (AML) – 66739
• Community Reinvestment Act (CRA) for Small Institutions - E3 – 175660 
• Automated Clearing House (ACH) – 163
• CU - Automated Clearing House (ACH) – 17208
• Servicemembers Civil Relief Act (SCRA) – 53
• CU - Servicemembers Civil Relief Act (SCRA) – 17199
• FSC - Servicemembers Civil Relief Act (SCRA) – 29280
• Anti-Boycott – 14
• FBO - Anti-Boycott – 115338

August 2022

NEW E3 Courses Now Available! 

We are excited to share three more courses are now available in our engaging E3 format.

Lending Compliance Series

• Beneficial Ownership - E3 
• Handling Consumer Complaints - E3
• Truth in Savings Act: Regulation DD - E3 

Director Education Series

2206 - Growth Strategies for Any Environment - Part 3: Processes – 214274

This Director’s Education Series webinar discusses what it takes to grow your bank and succeed at the highest level regardless of economic environment. In this webinar, we review how poor processes can undermine even the best people and products.

Core Compliance Suite

Bi-Monthly Compliance Briefing - June 2022 – 220886 

A bi-monthly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

Fair Lending Compliance Issues in 2022 – 220885

In this webinar, we have an in-depth discussion about fair lending principles, expectations, and techniques. We also explore what’s new in fair lending, new interpretations of protected classes, and potential legislation. We also cover aspects of formulating and maintaining an effective fair lending risk assessment, which is a critical component of an institution’s fair lending compliance program.

LMS Updates

• Termination Date
  
  • When a student’s status is changed to Deleted or Inactive, the Termination Date will automatically populate with today’s date.
  • The Termination Date can be modified manually in the student’s profile or through the user import file, but it cannot be a future date. 
  • The Termination Date will be cleared if a student’s status is set to Active, Leave of Absence, or Approval Pending. 

Mortgage Course Updates

The following course(s) have been updated in the OCL Artisan environment:

• A Borrower’s Right to Privacy - E3 – 145840

Adaptive Course Updates

The following course(s) have been updated in the BECoursemaster/Online Courses environment:

• Elder Financial Abuse - E3 – Adaptable

July 2022

Director Education Series

Growth Strategies for Any Environment - Part 2: People

This Director’s Education Series webinar discusses what it takes to grow your bank, how to succeed at the highest level regardless of the economic environment, and how products are a key factor in success.

Integration with Zoom and GoTo Webinar

• Student can view and launch upcoming webinars
• Administrators can access attendance and time spent
• Administrators can create custom class notifications

LMS Updates

• All users who are logged into OnCourse Direct will be logged out after 15 minutes of inactivity.
  • After 12 minutes of inactivity, the user will receive a message notifying them their session is about to expire.
  • After an additional 3 minutes of inactivity, the user will be logged out.
• New Date Filter Option
  
  • All OnCourse Direct reports will include a new date filter – NEXT X DAYS.
  • Reporting Administrators will be able input the number of days required

Mortgage Course Updates

The following courses have been updated:

• CU - Regulatory Compliance for Tellers
• CU - Flood Insurance
• The TILA-RESPA Integrated Disclosure (TRID) Rule Part II
• Real Estate Settlement Procedures Act - Regulation X
• Bank Secrecy Act for Lenders
• CU - Bank Secrecy Act for Lenders
• CU - Counterfeiting and Forgery
• Fair Lending Overview

June 2022

Director Education Series

Growth Strategies for Any Environment - Part 1: People

This Director’s Education Series webinar discusses what it takes to grow your bank, how to succeed at the highest level regardless of the economic environment, and how products are a key factor in success.

Core Compliance Suite

Your BSA/AML & OFAC Compliance - Part I

In Part I, we discuss the Bank Secrecy Act provisions in general, including program requirements, risk assessments, CTRs, SARs, and the Beneficial Owner provisions, among other things.

Your BSA/AML & OFAC Compliance - Part II

In Part II, we discuss the Customer Identification Program (CIP) rules, other BSA reporting, including funds transfer recordkeeping, PEPs, pouch rules, and the Office of Foreign Asset Control (OFAC) regulations.

Regulation Updates

The following courses have been updated:

Unfair, Deceptive, or Abusive Acts or Practices for the Financial Institution

• New pages added:
• Acts or Practices of Concern > Unfair Acts or Practices > Page 05
• Acts or Practices of Concern > Unfair Acts or Practices > Page 06
• New version – Section titled “Unfair Discrimination and Deposit Operations” added to account for the CFPB’s announced changes, as of March 2022, to its supervisory operations to better
• protect families and communities from illegal discrimination across situations where fair lending laws may not apply.
• Content update throughout course
• Old version – FDIC Compliance Examination Manual publication date “November 2015.”
• New version – FDIC Compliance Examination Manual publication date “June 2019.

May 2022

NEW Compliance Training E3 Courses Now Available!

We are excited to share a course from our Lending Compliance Series is now available in our engaging E3 format.

• Commercial Compliance Overview - E3
• Active Shooter Response for Financial Institutions - E3

Rockstar Recruiting Series

Recruiting is one of the most expensive things an organization does. It costs nearly $7,000 to hire a professional employee. You cannot take the recruiting process lightly.

This series has eight courses to help you find, hire, and retain top talent. To learn more and/or add this series to your current training program contact your account representative!

Contact your account rep or visit our website to learn more today!

Adaptive Learning Courseware

When your employees take an adaptive learning course, they learn through pathways and resources that address the area they need the most focus on.

The adaptive learning courses reduce your training time, build your team’s confidence, and drive better business outcomes! To learn more and/or add this series to your current training program contact your account representative!

Contact your account rep or visit our website to learn more today!

Wealth Management Series

Your wealth management professionals help customers make wise investments - it's time you invest in them.

With this ten course series, you can invest in your employees with training that’s effective, efficient, and engaging. To learn more and/or add this series to your current training program contact your account representative!

Contact your account rep or visit our website to learn more today!

Director Education Series

2204 - Risk Management on Power of Attorneys – 209240

How many power of attorney documents do you have on file? How much money is dictated by the action of an attorney-in-fact or agent? The risk of these fiduciary accounts is real. Do you have to take the document in your state? If so, how do you ensure employees are not letting agents act outside the document’s scope? The risk of managing these documents with different laws in every state is real.

Core Compliance Suite

Bi-Monthly Compliance Briefing - April 2022 – 206909

This webinar is a bi-monthly update to help you keep up with compliance-area changes and deadlines in a quick and easy format.

April 2022

NEW Compliance Training E3 Courses Now Available!

We are excited to share a course from our Lending Compliance Series is now available in our engaging E3 format.

• Commercial Compliance Overview - E3
• Active Shooter Response for Financial Institutions - E3

Remote Management OnDemand Webinar Series

Does your team have the training they need to combat the challenges of working remotely?

This series includes seven video based courses for both remote employees and managers of remote employees. To learn more and/or add this series to your current training program contact your account representative!

Contact your account rep or visit our website to learn more today!

Director Education Series

2204 – Managing the Risk of Court-Ordered Accounts – 209228

The losses on court ordered accounts in this country are staggering. How much money does your institution have in court-ordered accounts? Have these accounts been set up correctly? Are your employees following the documents? Chances are your risk may be higher than you think.

CARES Act update

“COVID-19 Mortgage Relief” section added detailing information and solutions for exiting forbearance and repayment.

The following courses have been updated to reflect this regulation update:

• Real Estate Settlement Procedures Act - Regulation X – 40019
• Real Estate Settlement Procedures Act - Regulation X Refresher – 2746
• Mortgage Servicing Compliance - Early Delinquent Borrowers – 162741
• Mortgage Servicing Compliance - Loss Mitigation Procedures – 162744

March 2022

NEW Compliance Training E3 Course Now Available!

We are excited to share a course from our Lending Compliance Series is now available in our engaging E3 format.

• Commercial Lending: Fair Lending & Other Concerns - E3 (15 mins)

Core Compliance Suite

Bi-Monthly Compliance Briefing - February 2022 – 206909

This webinar is a bi-monthly update to help you keep up with compliance-area changes and deadlines in a quick and easy format.

Director Education Series

2203 - BSA Update 2022 – 207337

This webinar discusses 2022 BSA issues for your directors and senior management. Learn the 2022 risks in examinations and other updates.

2203 - De-Risking Customers - Risk and Reward – 207340

One of the hot topics of the last few years is “de-risking” customers. During this program, we will discuss what de-risking is, why we do it, and what the risks and rewards are. We will also discuss how this activity will come to be criticized for forcing high risk customers into shadow banking activities.

February 2022

NEW Compliance Training E3 Course Now Available!

We are excited to share a course from our Lending Compliance Series is now available in our engaging E3 format.

• Commercial Lending: Collateral - E3 (40 mins)
• Commercial Lending: Cash Flow and Underwriting - E3 (45 mins)

Core Compliance Suite

Bi-Monthly Compliance Briefing - February 2022 – 206909

This webinar is a bi-monthly update to help you keep up with compliance-area changes and deadlines in a quick and easy format.

NMLS-Approved 20-Hour Pre-Licensing Courses’ 2022 Changes

Updates have been applied to the necessary SAFE Suite courses based on the NMLS-approved 20-hour pre-licensing courses’ 2021 changes. Updates include the various new threshold figures for 2022.

The following courses have been updated to reflect this regulation update:

• [SS Fed] Real Estate Settlement Procedures Act - Part II – 83457
• [SS Fed] Identifying High-Cost Mortgages and Higher-Priced Mortgage Loans – 84216
• [SS Fed] Home Mortgage Disclosure Act – 84889
• [SS Gen] Qualified and Non-Qualified Mortgage Programs – 88079
• [SS Gen] Conventional Mortgages – 88085
• [SS Gen] Non-Conforming Mortgages – 88166
• [SS Gen] High-Cost Mortgage Loans – 88209
• [SS Gen] Higher-Priced Mortgage Loans – 88213
• [SS Gen] Reverse Mortgages – 88249 • [SS LO] Analyzing Borrower Qualifications – 88311
• [SS Eth] Fraud Detection Techniques – 88479

January 2022

NEW Compliance Training E3 Course Now Available!

We are excited to share a course from our Lending Compliance Series is now available in our engaging E3 format.

• Commercial Lending: Collateral - E3 (40 mins)
• Commercial Lending: Cash Flow and Underwriting - E3 (45 mins)

Quarterly Compliance Briefing: Winter 2021

Available to Expansion, Breakthrough and Core Compliance Suite Customers

A quarterly update to help you keep up with changes and deadlines in the compliance area in a quick and easy format.

ACH Payment Cap

As of January 1, 2022, NACHA’s ACH Payment Cap has been increased to $1 million.

Regulation Z: Points & Fees

As of January 1, 2022, the Regulation Z adjusted points and fees dollar trigger for high-cost mortgages changes from $1,103 to $1,148, and the adjusted total loan amount threshold for high-cost mortgages changes from $22,052 to $22,969.

FHFA Loan Limits

The Federal Housing Finance Agency (FHFA) has announced that in 2022, the maximum conforming loan limits will be $647,200 (up from $548,250) for one-unit properties. The maximum high balance loan limit will be $970,800.

Regulation Z: Qualified Mortgages Points & Fe

For 2022, the Regulation Z qualified mortgage (QM) 3% points and fees threshold will increase from $110,260 to $114,847.

Regulation Z: HPML Special Appraisal Exemption Threshold

As of January 1, 2022, the Regulation Z threshold for the loan amount for the exemption from HPML appraisal requirements will increase from $27,200 to $28,500.