Agenda

8:30 a.m.          Registration & Continental Breakfast
9:00 a.m.          Program Begins
12:00 p.m.        Lunch (included)
1:00 p.m.          Program Resumes
4:00 p.m.          Program Adjourns

Topics

Using the APR Software for All Loan
Types This seminar will include a discussion of the finance charge and its impact on the APR, focusing on all the “new” fees and charges that were not contemplated by Regulation Z. The Regulation Z rules have not been updated for perhaps 30 years. We started this discussion last quarter, but due to time constraints, we certainly did not cover the subject completely. We will finish this discussion this quarter.

Advertising for All Product Types
We will discuss marketing of deposit products, non-deposit products, and loans. Our advertising techniques and methods have changed drastically, but the regulations have not. We will discuss how to take new technology and marketing methods and apply the old advertising rules. This topic was suggested by a CBC member. The suggestion, as well as hotline questions received, indicates that this an important topic, as there is confusion regarding these issues.

Third Party Risk Management
We will provide a review of the recent joint pronouncement by all the regulators concerning this subject. For many of the agencies, this is a major update, as it has been at least in some cases 15 years since their last major pronouncement on this subject. Since most banks use third parties for a variety of functions, a review of the latest guidance seems warranted.

Compliance Manuals
In an effort to reduce waste and decrease the use of paper products at each seminar, we are offering the manuals electronically. One week prior to each seminar, we will provide a weblink to each manual in a PDF format. You may print them or download them to your own electronic device for use at the session. We will not have printed copies available.

Speaker(s)

Dale Neiss, CRCM
Consultant

With over 30 years of banking experience, Dale has developed compliance management systems, loan review and CRA programs, and ERM frameworks for multiple banks. He has served as Compliance and Loan Review Manager, BSA and CRA Officer, and Enterprise Risk Management Director. Dale began his career as a national bank examiner with the OCC. At Young & Associates, he provides consulting, training, and writes compliance manuals. He holds the CRCM designation from the Institute of Certified Bankers in Washington, D.C.

Fees

$400 IBA Member
$200 Each Additional IBA Member

100% Surcharge is applied for Non-Members.

location

This seminar will be Tuesday, February 10, 2026 at the IBA Center for Professional Development, 8425 Woodfield Crossing Blvd. Suite 155E, Indianapolis, IN 46240.  Directions, map & list of local hotels are available on our website at www.indiana.bank or you may call the IBA Office at  317-387-9380. This training will also be available virtually on Tuesday, February 10, 2026.

If choosing to take this course online, we still look forward to “seeing” you! You will receive your manual 2-3 days in advance should you want to print this to have during training. At this time, you will also receive log in instructions. This is a completely LIVE virtual training where you will be able to ask questions directly to the speaker. 

Association Contact

Laurie Rees - Senior Vice President of Professional Development
lrees@indiana.bank
317-387-9380

Molly Gibbs - Assistant Vice President of Education & Training
mgibbs@indiana.bank
317-333-7161

Katie Yates - Professional Development Coordinator
kyates@indiana.bank
317-333-7162