Online Certificate Programs

Community Banker University offers the following Certificate Programs:

Compliance Certificate Program

The modules in the Compliance Expert Certificate program are designed to give community bankers the knowledge and skills they need to become experts in regulatory compliance.

Learning Objectives:

  • Explain the role of community bankers in regulatory compliance
  • Identify the regulations governing community banking
  • Identify the requirements of the laws governing community banking
The Compliance Certificate is for individual learners only and not available for bank-wide use. Purchasing an Individual Certificate Program grants access to the person who has logged into the ICBA website to purchase. It cannot be transferred to another user.

Total CPE: 24

$499 / ICBA Members
$1,499 / Non-Members

Enroll in This Course

Area 1: Lending

  • Regulation Z: Closed End Credit
  • Regulation Z: Open End Credit
  • Regulation Z: Purpose, Coverage and Advertising
  • Regulation B: The Equal Credit Opportunity Act
  • Real Estate Settlement Procedures Act
  • TILA-RESPA Integrated Disclosures
  • Home Mortgage Disclosure Act: In Depth
  • Fair Lending (FHA, CRA, Reg B, HMDA)
  • Flood Disaster Protection Act
  • Regulation O: Insider Lending – In Depth
  • Military Lending Act – Final Rule

Area 2: Depostis

  • Regulation D: Reserve Requirements
  • Regulation DD: Truth in Savings Act
  • Regulation CC: Funds Availability Act – In Depth Regulation E: Electronic Funds Transfer Act

Area 3:Operations

  • Understanding UDAAP

  • Regulation BB: Community Reinvestment Act

  • Red Flags Identity Theft Prevention Program

  • Regulation P: Gramm-Leach-Bliley Act

  • Fair Credit Reporting Act: Consumer Reports

  • Fair Credit Reporting Act: Risk Based Pricing

Area 4: BSA

  • Bank Secrecy Act – BSA and Compliance Officers
  • Bank Secrecy Act – Red Flags

Course Outline:

  • Introduction
  • Regulation Z: Closed End Credit – Regulation Z is the primary Federal regulation governing lending in the United States. This module will provide you with a comprehensive look at the requirements banks must follow under Regulation Z regarding closed end loans. Topics include: content of disclosures, treatment of credit balances, valuation independence and prohibited acts or practices.
  • Regulation Z: Open End Credit – Regulation Z is the primary Federal regulation governing lending in the United States. This module will provide you with a comprehensive look at the requirements banks must follow under Regulation Z regarding open end loans. Topics include: general disclosure requirements, credit and charge card applications and disclosures, balance computation method, and right of rescission.
  • Regulation Z: Purpose, Coverage and Advertising – Regulation Z is the primary Federal regulation governing lending in the United States. This module will provide you with a comprehensive look at the requirements banks must follow under Regulation Z regarding coverage, advertising, annual percentage rate and finance charges.
  • Regulation B: The Equal Credit Opportunity Act The Equal Credit Opportunity Act (ECOA) of 1974 expands on the Fair Housing Act and makes it illegal for a creditor to discriminate against an applicant's request for any type of credit, not just housing related, based on the applicant's protected characteristics. This module will provide you with the information you need to ensure your bank's policies and procedures are compliant with Regulation B.
  • The Real Estate Settlement Procedures Act The Real Estate Settlement Procedures Act (RESPA) has been a part of mortgage lending since it was passed by Congress in 1974. RESPA was recently updated to implement provisions of the Dodd-Frank Act that required the CFPB to publish integrated disclosure for mortgage transactions which included mortgage disclosure requirements under the Truth in Lending Act and RESPA. The requirements for the integrated disclosures are effective August 1, 2015.
  • Regulation D: Reserve Requirements – Reserve requirements are designed to assist the federal government in the implementation of is monetary policy. Financial Institutions must follow rules regarding withdrawal activity, payment of interest and reporting requirements.  This course discusses how Regulation D governs reserve requirements in the U.S.
  • Regulation DD: Truth in Savings Act – Regulation DD, also known as, the Truth in Savings Act, seeks to increase uniformity in the disclosures financial institutions provide customer opening new accounts. It exists to help enable consumer to make informed decisions about accounts at financial institutions. It also stipulates rules for account advertising and overdraft disclosures. This course will provide you with the requirements of Regulation DD.
  • Regulation CC: Funds Availability Act – In Depth - Regulation CC, also known as the Expedited Funds Availability Act, establishes the basic rights, liabilities, and responsibilities financial institutes have regarding the availability of deposited funds. Regulation CC also outlines the rules and regulations banks must follow pertaining to substitute checks. This course provides an overview of funds availability rules, required notices, returning of checks, and substitute checks.
  • Regulation E: Electronic Funds Transfer Act – Regulation E, also known as the Electronic Funds Transfer Act (EFTA), establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services and of financial institutions that offer these services. Its goal is to protect consumers who engage in these activities. This course discusses, in depth, the rules that banks must follow to ensure their policies and procedures are compliant with the regulation.
  • Understanding UDAAP - Unfair, deceptive, or abusive acts and practices (UDAAP) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Federal Regulations make it illegal for any provider of consumer financial products or services to engage in unfair, deceptive or abusive acts or practices. This course introduces UDAAP and how to create policies and procedures and products and services that will not violate the federal regulations. 
  • Regulation BB: Community Reinvestment Act – Regulation BB, also known as the Community Reinvestment Act (CRA) requires each financial institution to assess an institution's record of helping meet the credit needs of the local communities, including low- and moderate-income neighborhoods, in which the institution is chartered, consistent with safe and sound operations. This course an overview of the Community Reinvestment Act requirements.
  • Red Flags Identity Theft Prevention Program – Every financial institution must develop and implement a written identity theft prevention program that is designed to detect, prevent, and mitigate identity theft in connection with the opening of an account. This course discusses the information you need to implement and maintain a fully compliance program at your bank.
  • Regulation P: Gramm-Leach-Bliley Act – Regulation P, also known as the Gramm-Leach-Bliley Act, governs the treatment of nonpublic personal information about consumer by financial institutions and requires a financial institution to disclosure to all of its customers the institution's privacy policies and practices with respect to information sharing.
  • Fair Credit Reporting Act: Consumer Reports – The Fair Credit Reporting Act (FCRA) governs the collection, assembly, and use of consumer report information and provides the framework for the credit reporting system in the U.S. In general banks are not considered consumer reporting agencies however there are parts of the Act that banks must comply with. This course discusses the general rules banks must follow regarding consumer reports and information sharing.
  • Fair Credit Reporting Act: Risk Based Pricing – The Fair Credit Reporting Act (FCRA) governs the collection, assembly, and use of consumer report information and provides the framework for the credit reporting system in the U.S.  In general banks are not considered consumer reporting agencies however there are parts of the Act that banks must comply with. Risk-based pricing is the practice of offering materially more favorable or materially less favorable credit terms to consumers based on the consumers` credit history. This course discusses the rules banks are required to follow regarding risk-based pricing and providing consumers with appropriate disclosures.
  • Bank Secrecy Act – BSA and Compliance Officers - The Bank Secrecy Act (BSA) is one of the main tools the Federal Government uses to combat financial crimes and terrorist activity. The BSA requires banks to assist in preventing crime by enacting sound policies regarding reporting, recordkeeping, and monitoring of potentially criminal activity. The BSA requires the Board of Directors to appoint a Bank Secrecy Officer. It is important that the Bank Secrecy Officer be well versed in the Bank Secrecy Act in order to implement a compliance BSA/AML program. This course will provide Bank Secrecy Officer and other BSA/compliance personnel with the training they need to effectively create and manage their banks program.
  • Bank Secrecy Act – Red Flags - The Bank Secrecy Act (BSA) requires financial institutions to assist U.S. government agencies in detecting and preventing financial crimes such as terrorist financing, tax evasion, identity theft, different types of fraud (such as wire fraud, loan fraud, elder fraud), structuring, account takeovers, human trafficking, funnel account activity, and more. If a bank suspects any illegal activity happening within its bank, documentation must be maintained and a Suspicious Activity Report (SAR) may be filed.  This course will identify red flags that can help bank employees recognize possible illegal activity.
  • Exam