Agenda

March 9, 2026
11:00 am - 1:00 pm EST

Overdrafts are certainly a topic we've heard a lot about lately. Are they outlawed? (Hint: No). Has the new administration commented much on them? (Not yet). Should we consider eliminating them? (Hint: No, but be careful). Even though there is no specific regulation on them per se, we have seen some institutions eliminating overdraft fees (and NSF fee as well) entirely, while others are considering reinstituting them. Are these concerns that should be considered by every institution? Regardless, it is important to understand exactly what is at issue and how to manage your program.

Topics

What You'll Learn

• Should we eliminate overdraft (and/or NSF) fees?
• Coverage under Reg. Z?
• Discussions in Congress and at the regulatory agencies
• Overdraft reform from the OCC, CFPB, and others
• Overdrafts as UDAP/UDAAP? Considerations and factors
• Are overdraft and NSF fees “junk fees”?
• Authorized Positive, Settle Negative (APSN) issues
• Differences between overdraft and NSF
• Different types of overdraft programs and their risks
• Compliance risks of overdrafts according to various regulations
• Historical guidance and risk factors
• Metrics to consider
• Making the right decisions for your institution

Speaker(s)

Carl Pry
Certified Regulatory Compliance Manager & Certified Risk Professional

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 35-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.

Fees

Live Workshop - $299.00

• Live Access
• 30 Days OnDemand Playback
• Presenter Materials and Handouts

Available Upgrades

• 12 Months OnDemand Playback - $120.00
• 12 Months OnDemand Playback + Digital Download - $150.00
• Additional Live Access - $125.00 per person

**100% surcharge applied to non-members.

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