"My favorite part of attending ICBA Institutes is connecting with peers from other institutions. I look forward to future events knowing familiar faces will be there, and while the training is always excellent, it’s the networking that keeps me coming back."
-McKenzie Humpal, VP Compliance Officer at First Citizens Bank in Iowa
"Through ICBA, I earned the CCBIA, CBAP, and CCBCO designations, each enhancing my role at different stages of my career. Each designation provided valuable resources and insights that improved my expertise in these areas."
-Michael Hoehn, Assistant Compliance Officer and CRA Officer at First Metro Bank in Muscle Shoals, Alabama.
"The Fraud Seminar was excellent and very informative. I got a lot of resources that will help in our FI. Great tools."
-Donna Franklin, AmeriState Bank, Atoka, Ohio
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Regulation Z or the Truth in Lending Act, encompasses several laws or
acts and has been amended over the years. The regulation requires
creditors to disclose the terms and cost of consumer credit transactions
and includes rules meant to inform and protect consumers. There are
specific requirements for open-end credit plans, whether they are real
estate secured or not. This course focuses on the requirements and
limitation extended to open-end consumer credit secured by real estate.
This course is intended for lenders, loan operations staff, and
compliance personnel.
Learning Objectives:
Ensure your bank is providing the appropriate disclosures to
account holders in the required timeframes
Understand how costs, interest and fees are calculated and charged
Know what date payments must be credited to an account based on
when they were received
Determine when disputes must be resolved and the understand the
activities a creditor is prohibited from when there is a dispute
