CSBS BAI Online Course Catalog

CSBS BAI Online Course Catalog

www.CSBStraining.org

Updated: 3/2/2021

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Table of Contents Bank Secrecy Act / Anti-Money Laundering .......................................................................................... 9 BSA / Anti-Money Laundering ............................................................................................................ 9 Customer Identification Program ..................................................................................................... 11 OFAC .................................................................................................................................................. 12 Suspicious Activity Reports .............................................................................................................. 12 USA PATRIOT Act .............................................................................................................................. 13 Commercial Banking ............................................................................................................................. 14 Commercial Lending ......................................................................................................................... 14 Credit Cards ....................................................................................................................................... 14 Customer Service .............................................................................................................................. 15 Ethics ................................................................................................................................................. 15 Fair Lending ....................................................................................................................................... 15 Bank Secrecy Act / Anti-Money Laundering .................................................................................... 15 Compliance Officer ............................................................................................................................... 15 Complaint Management ................................................................................................................... 15 Compliance Management ................................................................................................................. 16 Enterprise Risk Management ........................................................................................................... 16 Examination Management ............................................................................................................... 16 General Banking Knowledge ............................................................................................................ 16 Consumer Lending ................................................................................................................................ 17 Basic Consumer Lending ................................................................................................................... 17 Credit Cards ....................................................................................................................................... 18 Deceptive / Abusive Practices .......................................................................................................... 18 Ethics ................................................................................................................................................. 18 Home Equity Loans ........................................................................................................................... 18 Marketing .......................................................................................................................................... 19 Bank Secrecy Act / Anti-Money Laundering .................................................................................... 19 Corporate Compliance Laws and Regulations ..................................................................................... 19 Anti-Tying .......................................................................................................................................... 19

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Assorted Regulations ........................................................................................................................ 19 Directors: Compliance Topics ........................................................................................................... 21 Disaster Recovery ............................................................................................................................. 22 Enterprise Risk Management ........................................................................................................... 22 Records Retention ............................................................................................................................. 22 Regulation O ...................................................................................................................................... 22 Regulation W ..................................................................................................................................... 23 Security .............................................................................................................................................. 24 The Volcker Rule ............................................................................................................................... 24 Vendor Management ........................................................................................................................ 24 Deposit Operations ............................................................................................................................... 25 Ethics ................................................................................................................................................. 25 General Operations Skills ................................................................................................................. 25 Identity Theft .................................................................................................................................... 25 Privacy ............................................................................................................................................... 25 Regulation E ...................................................................................................................................... 25 Bank Secrecy Act / Anti-Money Laundering .................................................................................... 26 Truth in Savings ................................................................................................................................. 26 Executive Leadership and Board of Directors ..................................................................................... 26 Complaint Management ................................................................................................................... 26 Compliance Topics ............................................................................................................................ 26 Ethics ................................................................................................................................................. 27 Fair Lending ....................................................................................................................................... 27 Identity Theft .................................................................................................................................... 27 Nondeposit Investment Products .................................................................................................... 28 Bank Secrecy Act / Anti-Money Laundering .................................................................................... 28 Financial Institution Activities .............................................................................................................. 28 Customer Identification Program ..................................................................................................... 28 Customer Service .............................................................................................................................. 28 Ethics ................................................................................................................................................. 28 Fair Lending ....................................................................................................................................... 29

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General Banking Knowledge ............................................................................................................ 29 General New Account Skills .............................................................................................................. 30 General Teller Skills ........................................................................................................................... 31 Identity Theft .................................................................................................................................... 32 Marketing .......................................................................................................................................... 32 Privacy ............................................................................................................................................... 32 Regulation CC .................................................................................................................................... 33 Regulation E ...................................................................................................................................... 33 Sales ................................................................................................................................................... 33 Telephone Skills ................................................................................................................................ 33 Bank Secrecy Act / Anti-Money Laundering .................................................................................... 33 Writing ............................................................................................................................................... 33 Financial Products and Services Laws & Regulations .......................................................................... 34 ACH .................................................................................................................................................... 34 Check 21 ............................................................................................................................................ 34 Complaint Management ................................................................................................................... 34 Cybersecurity / Information Technology ......................................................................................... 34 Deceptive / Abusive Practices .......................................................................................................... 36 E-SIGN Act ......................................................................................................................................... 37 Federal Deposit Insurance ................................................................................................................ 37 Identity Theft .................................................................................................................................... 37 Insurance ........................................................................................................................................... 38 International Banking ....................................................................................................................... 38 IRAs and Education Savings Accounts .............................................................................................. 39 Mortgage Lending ............................................................................................................................. 39 Nondeposit Investment Products .................................................................................................... 39 Payments System .............................................................................................................................. 39 Privacy ............................................................................................................................................... 39 Reg D: Reserve Requirements .......................................................................................................... 40 Regulation CC .................................................................................................................................... 41 Regulation E ...................................................................................................................................... 42

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Regulation GG ................................................................................................................................... 43 Regulation II ...................................................................................................................................... 43 Trusts ................................................................................................................................................. 43 Truth in Savings ................................................................................................................................. 44 Human Resources Issues ...................................................................................................................... 44 Change Management ........................................................................................................................ 44 Communication ................................................................................................................................. 45 Conflict Management ....................................................................................................................... 47 Culture ............................................................................................................................................... 47 Customer Service .............................................................................................................................. 48 Diversity ............................................................................................................................................. 48 Ethics ................................................................................................................................................. 49 Harassment / Discrimination ............................................................................................................ 49 Labor Laws ......................................................................................................................................... 50 Leadership ......................................................................................................................................... 51 Personal Development ..................................................................................................................... 51 Project Management ........................................................................................................................ 53 Social Media ...................................................................................................................................... 54 Supervision ........................................................................................................................................ 54 Team .................................................................................................................................................. 57 Working Remote ............................................................................................................................... 57 Workplace Violence .......................................................................................................................... 58 Writing ............................................................................................................................................... 58 Lending Laws and Regulations ............................................................................................................. 59 Appraisals .......................................................................................................................................... 59 Bankruptcy ........................................................................................................................................ 59 Basic Consumer Lending ................................................................................................................... 60 Cash Flow Analysis ............................................................................................................................ 60 Commercial Lending ......................................................................................................................... 61 CRA .................................................................................................................................................... 61 Credit Cards ....................................................................................................................................... 61

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Fair Lending ....................................................................................................................................... 62 FCRA and the FACT Act ..................................................................................................................... 62 FDCPA ................................................................................................................................................ 63 Financial Accounting ......................................................................................................................... 63 Flood Disaster Protection Act ........................................................................................................... 64 HMDA ................................................................................................................................................ 64 Home Equity Loans ........................................................................................................................... 65 Integrated Disclosures ...................................................................................................................... 65 Loan Documentation ........................................................................................................................ 66 Marketing .......................................................................................................................................... 66 Mortgage Closing .............................................................................................................................. 66 Mortgage Fraud ................................................................................................................................. 66 Mortgage Lending ............................................................................................................................. 67 Mortgage Origination ....................................................................................................................... 68 Predatory Lending ............................................................................................................................. 68 Regulation B ...................................................................................................................................... 68 Regulation M ..................................................................................................................................... 69 Regulation Z ...................................................................................................................................... 69 RESPA ................................................................................................................................................. 71 SAFE Act ............................................................................................................................................. 72 Servicemember's Civil Relief Act ...................................................................................................... 72 Loan Review .......................................................................................................................................... 73 Credit Administration ....................................................................................................................... 73 Mortgage Loan Origination .................................................................................................................. 73 Mortgage Closing .............................................................................................................................. 73 Mortgage Origination ....................................................................................................................... 73 Mortgage Processing ........................................................................................................................ 74 Mortgage Underwriting .................................................................................................................... 75 Mortgage Servicing ............................................................................................................................... 75 Customer Service .............................................................................................................................. 75 Ethics ................................................................................................................................................. 75

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Mortgage Lending ............................................................................................................................. 76 Privacy ............................................................................................................................................... 76 Portfolio Management ......................................................................................................................... 77 Credit Administration ....................................................................................................................... 77 Wealth Management ............................................................................................................................ 77 Trusts ................................................................................................................................................. 77

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Bank Secrecy Act / Anti-Money Laundering

BSA / Anti-Money Laundering

BSA and AML Essentials 60 minutes This interactive course, appropriate for employees needing an overview of the BSA, introduces the concept of money laundering and details how BSA regulations and requirements work to deter it. Currency Transaction Reporting (CTR), Suspicious Activity Reporting (SAR), the basic elements of a Customer Identification Program (CIP), as well as rules for negotiable instruments and wire transfers are all covered in this high-level look at the BSA and AML. 90 minutes This interactive program, appropriate for employees needing an in-depth knowledge of BSA, introduces the concept of money laundering and details how BSA regulations and requirements work to deter it. Currency Transaction Reporting (CTR), Suspicious Activity Reporting (SAR), the basic elements of a Customer Identification Program (CIP), penalties for noncompliance, as well as rules for negotiable instruments and wire transfers are all covered in this in-depth look at BSA and AML. 60 minutes This course, recommended for BSA Officers and analysts, provides an in-depth look at BSA compliance, including the five pillars of a BSA program, Suspicious Activity Reporting, Customer Identification Programs, and Currency Transactions Reporting. 5 minutes This course, recommended for BSA officers and analysts, provides an overview of the risk assessment process that is a critical first step in developing a BSA/AML compliance program. 25 minutes Money Services Businesses serve individuals without banking relationships who need to cash checks, transmit money (often to other countries), receive money (often from other countries), and purchase products such as money orders and travelers checks, and are thus an exceptionally high risk for money laundering. This course will help learners manage the risk associated with opening accounts, monitoring these accounts for suspicious activities, and, when necessary, closing the accounts of MSBs at your financial institution. 45 minutes Use this game show course to liven up BSA and AML training! Specially built for the classroom setting, this Jeopardy-like course was developed to test employee knowledge regarding all facets of BSA and AML compliance, with categories such as Customer Identification Programs, Suspicious Activity Reports, Currency Transaction Reports, as well as job specific categories for Lenders, Operations, and Tellers. This course also includes an instructional guide for the host to help conduct the classroom session, and printable score sheets for students. With questions that utilize applicable employee scenarios, as well as standard procedures, your students will be excited about BSA and AML compliance and daily member interactions! BSA and AML: An In-Depth Look BSA and AML: Comprehensive BSA and AML: Risk Assessment BSA for Money Services Businesses BSA Game Show!

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BSA Reporting: CTRs and Suspicious Activity 45 minutes This interactive course covers currency transaction reporting requirements of the Bank Secrecy Act, including a close look at the CTR form and how to complete it. It also provides an overview of Suspicious Activity Reports (SARs) and how personnel can recognize suspicious activity. The course is recommended for teller supervisors, branch managers, auditors, staff trainers, compliance officers and all personnel involved in reviewing and/or completing CTRs. 45 minutes This course, designed for personnel needing a basic understanding of BSA, gives a brief overview of the Bank Secrecy Act (BSA) including background on CIP, CTR, and SAR as well as penalties for non-compliance with BSA. 30 minutes This course, recommended for front-line employees who handle cash, BSA officers, compliance officers, and appropriate audit staff, covers the Bank Secrecy Act as it relates to the exemption system and the Customer Identification Program. Employees will learn what the exemption system is and why it exists, what procedures must be followed with exempt accounts, which businesses may never be exempt as well as why it is so crucial to properly identify customers. 45 minutes This BSA course, recommended for teller supervisors, branch managers, auditors, staff trainers, compliance officers, and anyone involved in CTRs, covers Parts I-III of the CTR. This course will teach you to determine which transactions require a CTR, to complete the CTR, including required information, and to identify scenarios that may warrant the completion of a Suspicious Activity Report (SAR). 60 minutes This comprehensive course, intended for management personnel, examines the background and purpose of the Bank Secrecy Act, and identifies the major BSA/AML risk categories upon which management must base a financial institution's BSA compliance program. Additionally, the course also addresses the minimum requirements to which a financial institution BSA compliance program must adhere, and management's role concerning information sharing and Suspicious Activity Reporting. 30 minutes Money Services Businesses (MSBs) serve individuals without banking relationships who need to cash checks, transmit or receive money (often from other countries), and purchase products such as money orders and traveler's checks, and are thus an exceptionally high risk for money laundering. This course, recommended for supervisors, managers, and compliance officers, will explain the risks behind MSB accounts, differentiate between high- and low-risk MSBs, and provide steps that financial institutions can take to protect themselves from risk. 45 minutes Lenders can play a crucial role in BSA requirements because of their customer contact and knowledge of customer transactions. Become familiar with the appropriate sections of BSA, learn how to identify and report suspicious activity, and familiarize yourself with the penalties for violating the Bank Secrecy Act. 60 minutes In this course, learners will determine how operations and support personnel can best comply with BSA regulations. After providing a brief introduction to the background and purpose of the Act, this course covers BSA/AML: The Basics BSA: Exemptions and Customer Identification BSA: How to Comply BSA: Management's Perspective BSA: Money Services Businesses BSA: Responsibilities for Lenders BSA: The Role of Operations

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such back office essentials as job-specific suspicious activity monitoring guidelines, rules for information sharing with law enforcement and other financial institutions and the various directives for wire transfer recordkeeping requirements. 45 minutes Today's tellers have the added responsibility of monitoring and reporting cash transactions that may be related to illegal drug trafficking, terrorist activities, illegal gambling and other illicit criminal activities. This course explains the purpose of the Bank Secrecy Act, violations and penalties for non-compliance with the Act, and which transactions require a Currency Transaction Report (CTR). Students will also be able to match the recordkeeping and exemption identification individual requirements to individuals purchasing covered instruments. 30 minutes The products and services it offers make a financial institution's Trust Department an attractive target for money launderers or even terrorist financers. This course teaches trust department employees the purpose of the Bank Secrecy Act, the importance of risk assessment in BSA compliance, how to follow a Customer Identification Program, and what sorts of suspicious activity to be on the alert for. 30 minutes This course, recommended for any personnel involved in funds transfers, covers the rules and exceptions will help your institution play a key role in the prevention of money laundering. It also addresses how rules differ for established and non-established customers, how the rules differ for transactions involving an originator and beneficiary bank and how long records must be maintained. 5 minutes This interactive mini-course reviews the Currency Transaction Report form, and how to complete it. The course is recommended for teller supervisors, branch managers, auditors, staff trainers, compliance officers and all personnel involved in reviewing and/or completing CTRs. 5 minutes This brief interactive course focuses on exemptions to CTR reporting requirements. The engaging learning experience features video and a scenario-based challenge. The course is appropriate for teller supervisors, branch managers, auditors, staff trainers, compliance officers, and all personnel involved in reviewing and/or completing CTRs. BSA: Transaction Procedures for Tellers BSA: Trust Department Responsibility BSA: Wire Transfers and Recordkeeping Requirements Completing the CTR CTR Exemptions CIP Procedures and Protections 15 minutes This interactive course provides an overview of Customer Identification Program (CIP) requirements for all personnel. The course examines proper customer identification procedures, the minimum information that must be obtained, the steps necessary for verifying information, and what to do when information cannot be verified. 5 minutes This interactive mini-course addresses recently implemented CIP/CDD rules for identifying beneficial owners when opening new accounts for businesses. The course is appropriate for all employees, especially anyone responsible for opening any new or continuing relationship. CIP: CDD and Beneficial Ownership Customer Identification Program

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CIP: Identity Verification and Compliance 60 minutes This course, recommended for new account representatives, lending personnel, account officers, trust officers, safety deposit account personnel, and anyone responsible for opening any new or continuing relationship, examines the importance of proper customer identification procedures, the minimum information you must obtain, the steps necessary for verifying information, what to do when information cannot be verified, the requirements of your Customer Identification Program, and CIP recordkeeping and notice requirements.

OFAC

OFAC: Addressing Risks and Red Flags 40 minutes OFAC: Addressing Risks and Red Flags provides new and experienced financial institution personnel a compre- hensive and efficient overview of Office of Foreign Assets Control requirements, risks, transaction procedures, and compliance considerations. 30 minutes This course, intended for any staff member in the position to screen any customer or prospect, addresses the basic OFAC requirements, transaction procedures, and compliance. Understanding OFAC Completing the SAR 5 minutes This mini-course reviews the Suspicious Activity Report form, and how to complete it. The course is intended for all employees, especially new accounts personnel, tellers, customer service representatives, and loan officers. 5 minutes This course provides a brief overview of human smuggling and trafficking red flags for financial institutions. 5 minutes This mini-course gives learners an overview of money laundering, a key concern of the Bank Secrecy Act. It also surveys other types of suspicious activity that may signal financial fraud schemes. The course is appropriate for all employees, especially new accounts personnel, tellers, customer service representatives, and loan officers. Human Smuggling and Human Trafficking Red Flags Money Laundering, Fraud, and Suspicious Activities SAR: Be on Guard 60 minutes In this course, intended for new accounts personnel, tellers, customer service representatives, and loan officers, you will learn how to identify different types of suspicious activities, and the five parts of a Suspicious Activity Report. The course also addresses when a Suspicious Activity Report is required to be completed and filed, and how to correctly file a Suspicious Activity Report. 60 minutes Although operations personnel seldom interact with the customers they service, their role in detecting suspicious activity is essential. In addition to introducing back office employees to various scams they might encounter, this course covers how to identify suspicious transactions and when you are required to report suspicious activity. This course also helps you to recognize the importance of keeping Suspicious Activity Reports SAR: Essentials for Operations Suspicious Activity Reports Red Flags for Tax Refund Fraud 5 minutes This interactive course provides a brief overview of tax refund red flags for financial institutions.

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confidential and the importance of providing complete and accurate information when reporting suspicious activity. 30 minutes Like tellers, lenders have face-to-face contact with customers each day, putting them in a unique position to detect suspicious activity...as long as they know what to look for. Designed with the lenders' specific job functions in mind, this program teaches lenders to recognize suspicious activity and when it is their responsibility to report it. Lenders will also learn the importance of providing complete and accurate information when completing a Suspicious Activity Report and the significance of maintaining strict confidentiality regarding these reports. 60 minutes As FinCEN becomes increasingly inundated with 'defensively filed' Suspicious Activity Reports, management needs to recognize the importance of filing complete, accurate, and detailed reports. Created with management's responsibilities in mind, this course explains how to establish an institution-wide 'culture of compliance,' offers guidance on what constitutes reportable activities or transactions, covers the various sections of the Suspicious Activity Report, details recordkeeping and confidentiality requirements, and provides true-to-life case-studies for each suspicious activity characterization. 60 minutes Intended for all employees, especially new accounts personnel, tellers, customer service representatives, and loan officers, this interactive course provides a comprehensive look at when Suspicious Activity Reports (SARs) are required and the types of activities that qualify as suspicious. It provides an overview of how to fill out and electronically file a SAR. 5 minutes This interactive mini-course examines suspicious activity that may indicate Medicare fraud and how financial institutions should respond. The course is intended for all employees, especially new accounts personnel, tellers, and customer service representatives. SAR: Lender Awareness SAR: Management's Involvement SAR: Responding to the Suspicious Suspicious Activity: Medicare Fraud USA PATRIOT Act 60 minutes In this course, intended for all personnel, you will learn how to identify aspects of anti-money laundering programs, the appropriate policies and procedures for handling correspondent and private banking accounts, how to report suspicious activities, and which types of information can be shared. 40 minutes This interactive course is designed for financial institution professionals who need knowledge of the programs and procedural requirements mandated by the USA PATRIOT Act including money laundering, due diligence, CIP, and OFAC. 45 minutes This course is designed for financial institution professionals who need knowledge of the programs and procedural requirements mandated by the passage of the USA PATRIOT Act. Learning objectives include: defining money laundering and the Special Measures Statute to the BSA; recognizing situations that require due USA PATRIOT Act: Managing Compliance USA PATRIOT Act: The Financial Perspective USA PATRIOT Act

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diligence; recognizing the main elements of a Customer Identification Program and recognizing the main elements of OFAC compliance.

Commercial Banking

Commercial Lending

Commercial Banking: Capacity and Underwriting 15 minutes This interactive course discusses the importance of conducting a cash flow analysis when assessing whether a borrower will be able to repay a loan. It also explains how to construct a cash flow analysis and interpret the cash flow statement. 15 minutes This interactive course provides an overview of collateral and how it is used in the underwriting process, including the types of collateral that can be used for commercial loans and the information that is needed to verify collateral. 25 minutes This interactive course provides an overview of the lending process, including how to answer consumer questions, what disclosures must be provided throughout the application timeline, and what common forms are needed for an application. This course also addresses the types of questions lenders can and cannot ask during the application process. This course includes: Reg B, TILA. 20 minutes This course provides an overview of the requirements and prohibitions of closing commercial loans. Regulations addressed in this course include the Equal Credit Opportunity Act (ECOA) and Truth in Lending Act (TILA). 25 minutes This interactive course provides an overview of the regulations and guidance that affect the maintenance of a commercial loans portfolio. Regulations addressed in this course include the Community Reinvestment Act (CRA) and Regulation O. Commercial Banking: Collateral and Underwriting Commercial Banking: Completing the Application Commercial Banking: Considerations at Closing Commercial Banking: Consumer Lending Rules and Regulations

Credit Cards

Commercial Banking: Business Credit Cards 20 minutes This interactive course provides an overview of how business credit cards function, including the rules that affect underwriting decisions on credit card applications, the required disclosures for business credit card accounts, and the process for handling errors and disputes. This course includes: TILA.

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Customer Service

Commercial Banking: Addressing Borrower Concerns 25 minutes This interactive course provides an overview of common borrower concerns throughout the account servicing process and identifies how to resolve these issues, including how to deal with difficult consumers and handle consumer disputes.

Ethics

Commercial Banking: Ethics 25 minutes This course provides an overview of the importance of ethical behavior to financial institutions and identifies the general rules of ethical behavior, how to recognize unethical behavior on the job, and the process for handling ethics violations. Regulations addressed in this course include the Dodd-Frank Act and the Bank Bribery Act.

Fair Lending

Commercial Banking: Equal Consideration 20 minutes This interactive course addresses the key components to treating consumers fairly from pre-application to closing, including what information cannot be considered while underwriting a commercial loan and which actions or practices may be unfair, deceptive or abusive. This course includes: Reg B.

Bank Secrecy Act / Anti-Money Laundering

Commercial Banking: Bank Secrecy Act (BSA) and Security Concerns 35 minutes This interactive course provides a comprehensive overview of how to comply with requirements for suspicious activity, including when and how transactions should be blocked or rejected when there is a positive match to OFAC's Specially Designated Nationals (SDN) list, how to protect confidential or sensitive consumer information, and what steps should be taken in the event of a data breach.

Compliance Officer

Complaint Management

Compliance Officer: Complaint Management 15 minutes This interactive course provides an overview of the role of compliance in creating a strong complaint management program. It addresses the components of an effective complaint management program, the importance of identifying and analyzing trends in complaints, and how complaints should be addressed and responded to.

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Compliance Management

Compliance Officer: Compliance Management System 15 minutes Intended for compliance officers, this interactive course provides an overview of compliance management systems (CMS), including what is needed in a CMS, how it should be adapted for your institution, and who should be involved in creating an effective one.

Enterprise Risk Management

Compliance Officer: Risk Management 20 minutes Intended for compliance officers, this interactive course provides an overview of the responsibilities involved in risk management, including compliance, legal, and reputational risk. The course addresses who is on the risk management committee, its policies and procedures, and vendor management.

Examination Management

Compliance Officer: BSA Examination Management 25 minutes This interactive course provides an overview of the compliance officer’s responsibilities in preparing the institution for a BSA examination, including the components of an institution's BSA and OFAC programs, preventive measures, and the risks of non-compliance. 20 minutes This interactive course addresses the role of the CRA officer in CRA exam readiness, including the components of a CRA program, best practices for each employee’s role, the ways institutions are evaluated, and the risks of non-compliance. 25 minutes This interactive course addresses the compliance officer’s role in fair lending exam readiness, including the components of a fair lending program and UDAAP, preventive measures, and the risks of non-compliance. This course includes: Reg B. 20 minutes This interactive course provides an overview of the compliance officer’s responsibilities in ensuring that the financial institution is ready for examination. The course addresses the resources available when preparing for an examination, an overview of the exam process, and the importance documentation and its role in the exam. Compliance Officer: CRA Examination Management Compliance Officer: Fair Lending Examination Management Compliance Officer: General Examination Management Compliance Officer: Regulators and Regulations 20 minutes Intended for compliance officers, this interactive course provides an overview of how financial institutions are organized and the federal regulations and regulatory bodies involved in financial services. 20 minutes Intended for compliance officers, this interactive course provides learners with an understanding of their role in creating and adhering to a culture of compliance to mitigate regulatory risk. Compliance Officer: Roles and Responsibilities of Compliance General Banking Knowledge

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Consumer Lending

Basic Consumer Lending

Consumer Lending: Borrower Protections 25 minutes This interactive course, intended for consumer loan servicers, identifies what disclosures may be provided after a consumer loan has closed, what is required in a billing dispute with a consumer, how to respond to fraud claims, and what rights are afforded to active duty military. Regulations addressed in this course include Reg P, ECOA, RESPA, TILA, UDAAP, FACTA/FCRA, SCRA, and MLA. 20 minutes This interactive course, intended for consumer lending personnel, provides an overview of the requirements and prohibitions of closing consumer loans, including the components of the loan closing process and special consid- erations, such as name changes and advanced disclosures. Regulations addressed in this course include Equal Credit Opportunity Act (ECOA), Regulation B, and Truth in Lending Act (TILA). 25 minutes Intended for consumer lending personnel, this interactive course provides an overview of the information needed in underwriting a consumer loan, including how to mitigate fair lending risk and identify red flags for identity theft. Regulations addressed in this course include the Bank Secrecy Act (BSA); the Fair Housing Act (FHA); and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). 25 minutes Intended for consumer lending personnel, this interactive course identifies how character, capacity, and collateral are used to determine a consumer’s creditworthiness, including when a credit report can be pulled, how to evaluate ability to repay, and how to verify collateral. Regulations addressed in this course include Regulation B, the Fair Credit Reporting Act (FCRA), and the Fair and Accurate Credit Transactions Act (FACTA). 30 minutes This interactive course, intended for consumer lending personnel, provides an overview of the disclosures required at closing, the fees that go into the cost of a loan, and the documents consumers must sign at closing. Regulations addressed in this course include UDAAP and the Military Lending Act (MLA). 25 minutes This interactive course, intended for consumer lending personnel, provides a high-level overview of the pre- application phase of consumer loans, including the steps of the sales/consulting cycle; required disclosures; and how to avoid discouraging, unfair, deceptive or abusive acts or practices when discussing a consumer loan. Regulations addressed in this course include Reg B, TILA, and FCRA/FACTA. 25 minutes Intended for consumer lending personnel, this interactive course provides an overview of private education loans, including the unique requirements of private education loans, the risks associated with them, and the disclosures required at each stage of the loan process (Regulation Z). Consumer Lending: Considerations at Closing Consumer Lending: Considerations in Underwriting Consumer Lending: Examining Character, Capacity, and Collateral Consumer Lending: Explaining Rates, Fees, and Disclosures Consumer Lending: Exploring Needs and Options Consumer Lending: Private Education Loans

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Consumer Lending: Understanding the Application Process 25 minutes Intended for consumer lending personnel, this interactive course provides an overview of the lending process, including how to answer consumer questions, what disclosures must be provided throughout the application timeline, and what common forms are needed for an application. This course also addresses the types of ques- tions lenders can and cannot ask during the application process. Regulations covered in this course include Regulation B, Regulation Z, and ECOA.

Credit Cards

Consumer Lending: Credit Cards 25 minutes Intended for consumer lending personnel, this interactive course provides a comprehensive overview of how credit cards function from both consumer and creditor perspectives, including the solicitation rules for credit cards, the disclosures provided during the lifecycle of the account (Regulation Z), typical rewards programs, and the rules that affect underwriting decisions on credit card applications. This course also addresses how to answer common consumer questions regarding the servicing credit cards.

Deceptive / Abusive Practices

Consumer Lending: Addressing Borrower Concerns 25 minutes This interactive course, intended for consumer loan servicers, provides an overview of common borrower con- cerns throughout the account servicing process, and identifies how to resolve these issues, including how to deal with difficult consumers and handle consumer disputes. Regulations addressed in this course include FCRA/ FACTA and TILA.

Ethics

Consumer Lending: Ethics 25 minutes Intended for consumer lending personnel, this interactive course provides an overview of the importance of ethical behavior to financial institutions and identifies the general rules of ethical behavior, how to recognize unethical behavior on the job, and the process and safeguards for handling ethics violations. Regulations addressed in this course include the Dodd-Frank Act and the Bank Bribery Act.

Home Equity Loans

Consumer Lending: Home Equity Loans 25 minutes Intended for consumer lending personnel, this interactive course provides an overview of home equity loans, including the differences between Home Equity Loans and Home Equity Lines of Credit (HELOCs), the special requirements for advertising home equity products, and the different disclosures that apply. Learners will also find out when government monitoring information should be collected and how to ensure it is collected appropriately. Regulations addressed in this course include the Truth in Lending Act (TILA) and the Home Mortgage Disclosure Act (HMDA).

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