Agenda
Tuesday, March 4th, 2025
10 am - 5 pm EST
- In-depth discussion of UDAP/UDAAP requirements – attention to unfair, deceptive, and abusive acts and practices (UDAAP). Plus, what may be considered abusive? How can you stay clear of trouble? Don’t miss the forest for the trees.
- Examples of unfair and/or deceptive advertising
- Discussion of enforcement actions and UDAP practices, plus recommendations
- Sales practices and conduct risk – what are the issues? What will examiners look for? How best to be ready.
- Marketing services agreements – attention on third-party activities
- Native advertising issues
- Utilizing technology in advertising: algorithms, artificial intelligence, and associated risks
- What data are you using to create personal advertising? Coming regulations (DFA 1033)
- Social media and control over messaging – targeting risks
- Deposit advertising, including Reg. DD requirements
- Tax reporting issues
- FDIC official advertising statement requirements – plus updates: what’s coming?
- Nondeposit Investment Product (NDIP) and insurance sales provisions
- Rules prohibiting lotteries – what can and can’t you do with drawings and contests?
- Marketing campaigns – privacy issues and sharing data and information with affiliates and non-affiliated third parties
- Prescreening campaigns – FCRA requirements
- Offering free credit reports
- Guidance on the use of testimonials in advertising
- Social media – regulatory guidance and cautions
- TCPA (Telephone Consumer Protection Act) – Do Not Call requirements, plus related Do Not Solicit issues
- TSR (Telemarketing Sales Rule) fraud issues
- Email issues – CAN-SPAM and other concerns
- Does anyone use faxes anymore? The Junk Fax Prevention Act
- Fair Housing Act (FHA) rules – the Equal Housing Lender logo and statement
- Fair lending considerations in marketing and advertising – what to be aware of and hot spots (such as geographical restrictions/redlining)
- Digital redlining issues
- Determining your Reasonably Expected Market Area (REMA), and what this means
- Truth in Lending/Reg. Z requirements, including additional requirements for mortgage loans
- Tax deductibility issues
- SAFE Act disclosure issues
Topics
Topics
- Compliance
- Risk Management/Legal
Roles
- Branch Manager
- Commercial Lender
- Compliance Officer
- Deposit Operations Manager/Specialist
- Internal Auditor
- Loan Closer
- Loan Operations Manager/Specialist
- Marketing Officer/Business Development
- Senior Management
- Training Manager
- Trainer
Who Should Attend
This session is ideal for anyone involved in developing and marketing your institution’s products and services, including the marketing department, compliance officers, auditors, business managers, sales and service staff, and anyone else whose duties involve promotion.
Speaker(s)
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Advisor for Asurity Advisors in Washington, DC. Through his more than 30-year working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves as the Chair of the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.