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

This quarter’s CBC will focus on appraisals and evaluations. We will discuss them
from several perspectives.

• We will begin with a review of the December 10, 2010, Interagency Appraisal and Evaluation Guidelines, including all updates. While we understand this is a safety and soundness issue, it is a part of the overall appraisal process. We need to understand the general standards that are required.

• Secondly, we will review several regulations that have an impact on the appraisal process. For example, Regulation B requires notices to the customer and appraisals to be provided to the customer within certain time frames, and Regulation Z has rules regarding when an appraisal can actually be ordered.

• Regulation B also affects appraisals in other important ways. For instance, issues can occur when appraisals are done unfairly, taking into account protected class status. An appraisal/appraiser can create fair lending issues for your institution.

• Another key topic will be Reconsideration of Value (ROV) requirements. We have covered this previously, but a review seems to be necessary, based on the content of hotline questions that we receive.

• We will also cover the basics of appraisal and evaluation review. This will not detail how to review each line on the appraisal. That is a different course. But there are certain minimum requirements that need to be met in order to indicate to regulators and others that you have done a thorough review of the appraisal or evaluation.

• We will conclude the session with the most recent appraisal information – Automated Valuation Models (AVMs).

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)

Veronica Madsen, CAMs
Consultant

Veronica is a seasoned consultant with a robust legal background and decades of banking experience. Her career began at a financial institution trade association, followed by roles as a Regulatory Attorney, Chief Compliance Officer at a fintech company, and founder of ESTEE Compliance, where she provided compliance services to financial institutions. She has also created and managed a compliance management system at a fintech company and has overseen the Bank Secrecy Act training program at a large bank. She holds a Bachelor of Science in English and Communication from Central Michigan University and a Juris Doctorate from the University of Detroit Mercy School of Law. She is also a Certified Anti- Money Laundering Specialist (CAMS).

Fees

$400 IBA Member
$200 Each Additional IBA Member

100% Surcharge is applied for Non-Members.

location

This seminar will be Tuesday, May 12, 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

Molly Gibbs, Assistant Vice President - Education & Training
MGibbs@indiana.bank

Susan Clark, Professional Development Coordinator
SClark@indiana.bank

Silvia Regalado, Professional Development Coordinator
SRegalado@indiana.bank