Compliance Conference

Transcription

1 NEW First Annual TBA Compliance Conference The Challenges of Change November 29 & 30, 2011 Nashville Airport Marriott Nashville, TN

2 2011 Compliance Conference Agenda Tuesday November 29 8:30 am Registration/Continental Breakfast Sponsored by Integra Software Systems, LLC, Franklin, TN 9:00 am General Session Welcome/Introductions/Program Overview Washington Update Richard Riese, Senior Vice President, Center for Regulatory Compliance, American Bankers Association, Washington, DC State Update Greg Gonzales, Commissioner, Department of Financial Institutions, State of Tennessee, Nashville, TN 10:30 am Break Sponsored by Crowe Horwath LLP, Brentwood, TN 10:45 am Regulatory Panel Chris Finnegan, Assistant Regional Director, Dallas Region, Federal Molly McKnight, National Bank Examiner, Southern District Lead Expert Compliance, Office of the Comptroller of the Currency, Dallas, TX Noon Lunch Sponsored by Crowell & Crowell, PLLC, Franklin, TN 12:45 pm Senior Management Panel G. Kent Cleaver, COO, Avenue Bank, Nashville, TN Richard Herrington, President/CEO/Director, Franklin Synergy Bank, Franklin, TN Mark Hayes, Chairman/CEO/Director, First National Bank of Pulaski, Pulaski, TN 1:15 pm Choose Your Track: Consumer Financial Protection Bureau Overview Fair Lending Update Jeff Tate, Fair Lending Examination Specialist, Dallas Region, Federal Fund Transfer Rules in Transition Regulation Division, Federal Reserve RESPA in Transition Supervision & Regulation Division, Federal Reserve 2:45 pm Break - Sponsored by KraftCPAs PLLC, Nashville, TN 3:00 pm Choose Your Track: Flood Insurance Regulatory Update Les Barker, Senior Compliance Examiner, Nashville Field Office, Federal Deposit Insurance Corporation, Nashville, TN Christine Stammen, Regional Review Examiner, Nashville and Knoxville Territory, Federal Deposit Insurance Corporation, Nashville, TN FDIC Overdraft Perspective, UDAP, and other Hot Topics Chris Finnegan, Assistant Regional Director, Dallas Region, Federal Rafael A. Valle, Consumer Protection Field Supervisor, Nashville and Knoxville Territory, Federal Deposit Insurance Corporation, Nashville, TN New Small Business Fields Created Due to DFA 4:30 Reception -5:30 pm Sponsored by Banc Compliance Group, Inc, Franklin, TN General Sponsors Affinion Group, Franklin, TN Floodplain Consultants, Inc, Brownsburg, IN Miller & Martin, PLLC, Nashville, TN Mountain Seed Advisors, Atlanta, GA Network Contract Solutions, Brentwood, TN Pathway Lending, Nashville, TN Watkins Uiberall, PLLC, Memphis, TN Wednesday November 30 8:30 am Continental Breakfast Sponsored by Integra Software Systems, LLC, Franklin, TN 9:00 am General Session Compliance Litigation Update Panel Jonathan Cole, Shareholder, Baker, Donelson, Bearman, Caldwell & Berkowitz, Nashville, TN T. Wayne Hood, Of Counsel, Miller & Martin, PLLC, Nashville, TN Scott Williams, Partner, Rudy, Wood, Winstead & Williams, PLLC, Nashville, TN 10:30 am Break Sponsored by Alexander Thompson Arnold, PLLC, Milan, TN 10:45 am Choose Your Track: FCRA Risk-Based Pricing and Credit Score Disclosures Regs B and V Regulation Division, Federal Reserve Regulatory Changes in Transition 12 Months of Changes Regulation Z/Compensation Rules Supervision & Regulation Division, Federal Reserve Fair Lending Update repeat session Jeff Tate, Fair Lending Examination Specialist, Dallas Region, Federal Noon Lunch Sponsored by Crowell & Crowell, PLLC, Franklin, TN 1:00 pm Choose Your Track: Consumer Financial Protection Bureau Overview repeat session RESPA in Transition repeat session Supervision & Regulation Division, Federal Reserve Flood Insurance Regulatory Update repeat session Les Barker, Senior Compliance Examiner, Nashville Field Office, Federal Deposit Insurance Corporation, Nashville, TN Christine Stammen, Regional Review Examiner, Nashville and Knoxville Territory, Federal Deposit Insurance Corporation, Nashville, TN Fund Transfer Rules in Transition repeat session Regulation Division, Federal Reserve 2:30 pm Break Sponsored by Scott Consulting, PLLC, Jackson, TN 2:45 pm Choose Your Track: FCRA Risk-Based Pricing and Credit Score Disclosures Regs B and V repeat session Regulation Division, Federal Reserve Common HMDA Violations one session only T. Wayne Hood, Of Counsel, Miller & Martin, PLLC, Nashville, TN FDIC Overdraft Perspective, UDAP, and other Hot Topics repeat session Chris Finnegan, Assistant Regional Director, Dallas Region, Federal Rafael A. Valle, Consumer Protection Field Supervisor, Nashville and Knoxville Territory, Federal Deposit Insurance Corporation, Nashville, TN Regulation Z/Compensation Rules repeat session Supervision & Regulation Division, Federal Reserve 4:00 pm Conference Adjourns

3 Thank You to Our Sponsors Tuesday November 29 Integra Software Systems, LLC, Franklin, TN Continental Breakfast Crowe Horwath LLP, Brentwood, TN Morning Coffee Break Crowell & Crowell, PLLC, Franklin, TN Lunch KraftCPAs PLLC, Nashville, TN Afternoon Coffee Break Banc Compliance Group, Inc, Franklin, TN Reception Wednesday November 30 Integra Software Systems, LLC, Franklin, TN Continental Breakfast Alexander Thompson Arnold, PLLC, Milan, TN Morning Coffee Break Crowell & Crowell, PLLC, Franklin, TN Lunch Scott Consulting, PLLC, Jackson, TN Afternoon Coffee Break General Sponsors Affinion Group, Franklin, TN Floodplain Consultants, Inc, Brownsburg, IN Miller & Martin, PLLC, Nashville, TN Mountain Seed Advisors, Atlanta, GA Network Contract Solutions, Brentwood, TN Pathway Lending, Nashville, TN Watkins Uiberall, PLLC, Memphis, TN SPEAKERS Les Barker is a senior compliance examiner in the FDIC s Nashville Field Office. A1987 graduate of Tennessee Technological University, He holds a BS degree with a major in finance. Barker has been with the FDIC for 24 years, spending 8 years as a risk examiner and 16 years as a compliance examiner. He is also the subject matter expert for CRA in the Nashville/Knoxville Territory. William V. Beall is a senior consumer compliance examiner in the Bank Supervision & Regulation Division of the Federal Reserve Bank of Atlanta. He serves on the consumer compliance large bank horizontal review team and is responsible for conducting target compliance reviews of large bank organizations in the Sixth Federal Reserve District. In addition, Beall s responsibilities include industry outreach which involves speaking, presenting, and providing instruction to various groups of bankers and examiners. Jonathan Cole is a shareholder in the Nashville office of Baker, Donelson, Bearman, Caldwell & Berkowitz. He concentrates his practice in litigation, particularly in the areas of lender liability/consumer financial litigation and practices in all state and federal courts across the state of Tennessee. He is AV rated by Martindale- Hubbell, the highest peer rating available for attorneys. Cole is the immediate past president of the Nashville Bar Association, 2009 recipient of the Young Leader of the Year Award, and the 2008 recipient of the Nashville Emerging Leader Award. Chris Finnegan currently serves as an assistant regional director for the FDIC s Dallas Region, a position he has held since April Finnegan, who has 18 years of regulatory experience, oversees the Consumer Compliance, Fair Lending, and Community Reinvestment Act (CRA) examination functions in six of the region s eight states, including Arkansas, Louisiana, Mississippi, Oklahoma, Tennessee, and West Texas. His oversight includes nearly 500 financial institutions ranging from small rural community banks to large multi-billion dollar regional institutions. Finnegan has previously served as the field supervisor for both the Nashville/ Knoxville and the Oklahoma City/Lubbock Territories; a senior compliance examiner in the Memphis, Tennessee Field Office; and an examiner in the Baton Rouge, LA, Field Office. A native of Laurel, MS, Finnegan graduated magna cum laude from the University of Mississippi. He also graduated with honors from the Graduate School of Banking at the University of Virginia. Network Contract Solutions Greg Gonzales is the 18th commissioner of the Tennessee Department of Financial Institutions. He began serving in this role in 2005, first appointed by Governor Phil Bredesen, and was reappointed by Governor Bill Haslam. He has served in the department since In this position, Gonzales is Tennessee s chief regulatory officer of all state-chartered depository and licensed nondepository financial institutions. He previously served as assistant commissioner and general counsel for the department. Gonzales serves on the board of directors of the Conference of State Bank Supervisors (CSBS), which is the professional organization of state banking commissioners in the United States. Commissioner Gonzales is also a member of the board of directors of the Money Transmitter Regulators Association (MTRA), an organization of a majority of the states that regulate funds transfer companies, and is also on the US Treasury s Bank Secrecy Act Advisory Group. Commissioner Gonzales was born in Cookeville and graduated cum laude in cursu honorum with a bachelor s degree from Tennessee Technological University in He earned a law degree from the University of Tennessee in T. Wayne Hood is Of Counsel in the Nashville office of Miller & Martin, PLLC, where he concentrates his practice

4 on the representation of financial institutions, particularly on regulatory, consumer compliance, and Bank Secrecy Act related matters. Prior to joining Miller & Martin, Hood served as senior vice president and general counsel at The Bank of Nashville and as a senior consultant at Professional Bank Services, Inc, where he provided compliance training to bankers and bank regulators across the country. Hood has taught a variety of banking and legal seminars and has served on the faculty of the FDIC s introduction to Compliance Examination School, the OTS Level I and II compliance schools, the Kansas and Nebraska Schools of Banking Compliance, the New York State Banking Department s Consumer Compliance Update School, and the Community Bankers Association of Georgia s Advanced Compliance School. He also has served on the faculty of compliance schools for the Delaware, Iowa, North Dakota, and Pennsylvania bankers associations. A graduate of the University of Mississippi School of Law, Hood also graduated from the Stonier Graduate School of Banking and the ABA s National Compliance School and National Graduate School of Compliance Management. He is a certified regulatory compliance manager. Gary G. Louis is a senior consumer compliance examiner in the Bank Supervision & Regulation Division of the Federal Reserve Bank of Atlanta. Throughout his career at the Fed, Louis responsibilities have included managing consumer compliance examiner teams operating throughout both the Atlanta and Cleveland Federal Reserve Districts. Most recently, he has specialized in targeted compliance reviews of large, complex banking organizations. Louis continues financial industry outreach for consumer compliance and training of Federal Reserve System bank examiners and also assists in drafting comments to proposed and final compliance regulations issued by the board of governors. Molly McKnight is a National Bank Examiner, Southern District Lead Expert - Compliance Office of the Comptroller of the Currency, with the Dallas District Office. McKnight serves as the Southern District Compliance Lead Expert, and provides technical expertise and supports community bank supervision programs in the areas of the Community Reinvestment Act, fair lending, consumer compliance regulations, and the Bank Secrecy Act. McKnight is a frequent speaker for industry events and has specialized in compliance supervision since McKnight joined the OCC in 1999 after serving as an examiner with the FDIC for ten years. McKnight holds a Certified Regulatory Compliance Manager certification, a Certified Anti-Money Laundering Specialist certification, and attended the ABA Graduate School of Compliance Management. She went to college in Kansas and has a Master of Science degree in Industrial/ Organizational Psychology from Emporia State University and a Bachelor of Arts degree with majors in Business Administration and Psychology from Benedictine College. Jeffrey T. Paul is a director of examination and a senior advisor for consumer compliance in the Bank Supervision & Regulation Division of the Federal Reserve Bank of Atlanta. Since November 2010, he has been the director of the consumer compliance large bank examination team responsible for supervisory compliance oversight of large banking organizations in the Sixth Federal Reserve District. In addition, Paul s responsibilities include industry outreach, which involves speaking, presenting, and providing instruction to various groups of bankers and examiners. Richard R. Riese is senior vice president for the Center for Regulatory Compliance at the American Bankers Association. He is responsible for coordinating ABA s advocacy and member outreach on a broad range of compliance matters. Prior to joining the ABA staff in June of 2004, Riese served for five years as director of compliance policy in the Office of Thrift Supervision and engaged in private law practice for 13 years. He holds a BA degree from the University of Delaware and JD and an MA degrees in public policy analysis from the University of Pennsylvania. Christine Stammen is a regional review examiner for the FDIC with oversight over the Nashville and Knoxville Territory. She has been with the FDIC for 23 years and spent 8 years in risk management and 15 years in compliance. Stammen began her career in the Chicago Region as a risk management examiner in the Columbus, OH, field office. She transferred to the compliance division and relocated to the Memphis Regional Office in 1996 as review examiner. She currently or in the past has served as subject matter expert for HMDA, RESPA, and flood insurance. Stammen graduated magna cum laude from Georgia Southern University and graduated with honors from the Graduate School of Retail Banking at the University of Virginia. Jeff Tate has been with the FDIC for 24 years. His tenure includes nine years as a risk examiner and eight years as a compliance examiner. Currently, Tate is a fair lending examination specialist (FLEX) for the Dallas Region. He has served as a FLEX for the past seven years and previously was acting senior fair lending specialist in the Washington office. Tate is a 1987 graduate of the University of Tennessee at Chattanooga with a BS degree in accounting. Rafael A. Valle is the consumer protection field supervisor for the Nashville/ Knoxville Territory of the FDIC. He is a graduate of Florida International University, Miami, FL. Valle has been with the FDIC for 22 years, with 19 years in risk management and 3 years in consumer protection. Scott C. Williams is a partner in the Nashville law firm of Rudy, Wood, Winstead & Williams, PLLC. He focuses his practice in the corporate and financial services arena with heavy experience in commercial and consumer banking transactions, bank regulatory/enforcement/ compliance matters, commercial real estate and asset-based lending, creditors right, financial services litigation, bank/corporate director and officer liability, bank operations and personnel issues, and investment advisor representation. Prior to joining the firm, Williams was a partner at Waller Lansden Dortch & Davis, LLP. From , he was senior vice president, chief operations officer, and corporate secretary of Community Bank in Pulaski, TN, also serving on the bank s board of directors. From 1989 to 1992, Williams was general counsel and corporate secretary of Dominion Bank in Nashville. Long active in the Tennessee Bankers Association, Williams is a member and former chair of TBA s Bank Lawyers Committee and a member of the Government Relations Committee. He has appeared as a speaker for a number of TBA schools and workshops. Williams is admitted to practice in all the state and federal courts of Tennessee and Virginia and is a member of the American, Tennessee, Nashville, and Virginia bar associations. An East Tennessee native, he graduated cum laude from Furman University with a BA degree in political science. Williams received his JD from the University of Tennessee College of Law. He also graduated from the Graduate School of Banking at LSU.

5 2011 Compliance Conference The Challenges of Change Change is ever present in today s financial environment, and it is the very core of risk-based regulatory compliance. Compliance is one of the most critical and consuming issues facing our industry. As always, our banks are at the forefront when dealing with the solutions and in meeting the requirements of compliance changes. The first annual TBA Compliance Conference is structured to help you meet those challenges. The foundation of the program is to find practical, understandable, and workable solutions to the regulatory changes that occur with such frequency. The conference will bring together national, regional, and local compliance experts. The format includes general sessions, panel presentations, and breakouts that focus on the most current regulatory issues. The current regulatory environment means changes to RESPA, Regulation Z, higher-priced mortgage loans, proposal on Ability to Repay under Regulation Z, and increased focus on flood, HMDA, and fair lending regulations from the enforcement side of the house. Not to mention the compliance changes in the deposit world for overdraft guidance, proposal on Regulation CC, and renewed focus on Regulation DD and the advertising world of compliance. As you look for ways to work smarter, more efficiently, and more effectively, attending this Compliance Conference is sure to provide value-added benefits you will not want to miss. Who Should Attend Compliance officers, loan administration personnel, loan operations personnel, lenders, auditors, senior level officers, and others who have the primary responsibility of meeting the regulatory compliance requirements covered in these conference topics. The content is structured for those with intermediate to advanced levels of experience. Program Fee TBA Members / Associate Members Nonmembers Early Registration $440 $880 Early registration deadline is November 15. Registration $470 $910 At-the-door $520 $960 Fee covers instruction, continental breakfast, refreshment breaks, and lunch on both days and reception on Tuesday. Please register early as seating is limited. At-the-door registrants will be assessed an additional $50 late registration fee. No written confirmation of seminar registration will be sent from the TBA. Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates. Hotel Information The Nashville Airport Marriott, 600 Marriott Drive, Nashville, is headquarters for the conference. The Nashville Airport Marriott is holding a limited block of rooms on a first-come, first-served basis at a special group rate of $115 per night single occupancy. The deadline for making reservations is Friday, November 4. When the allotted room block is sold out, room rates return to standard prices on a space-available basis, even if it is before the November 4 deadline. All unreserved rooms will be released for general sale at midnight on November 4. Any reservation received after that date will be accepted on a space- or rate-available basis. Please make your overnight arrangements early to assure you receive the TBA special rate. To reserve your accommodations, contact the hotel directly at 615/ and specify that you are attending the Tennessee Bankers Association s 1st Annual Compliance Conference. Parking: Hotel self-parking is complimentary. Continuing Education Credit Attendants qualify for 13 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. No advanced preparation required for this program. In accordance with the standards of the National Registry of CPE Sponsors, CPE credits have been granted based on a 50-minute hour. For more information regarding administrative policies or complaints, please contact our offices at 615/ Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: Submitted for 13 hours of credit from the Institute of Certified Bankers (ICB); area to be determined. Please make application directly with ICB. For additional continuing education credit information, call the TBA education department at 800/ or 615/

6 General Information Attire: Business casual attire is appropriate for all TBA programs. Because of temperature variations in meeting rooms, please bring a sweater or jacket for your comfort. Special Needs: If you have a disability that may affect your participation in this program, please send TBA a statement regarding any special needs at least 10 days before the program. We will contact you to discuss accommodations. Cancellation Policy: Cancellations received in the TBA office five business days prior to the scheduled program will be refunded in full. Due to commitments with hotels, cancellations received less than five business days prior to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee. Inclement Weather Policy: Cancellations due to inclement weather are refundable, minus a late cancellation fee of $50 for a one-day program and $75 for a two-day program. If you have questions concerning the status of a TBA program due to inclement weather, please call the TBA office at 615/ or 800/ , x150. The TBA number will provide information concerning program status, cancellation fee, and refund requests. You may call the site where the program is being held to check the status of the program in your area. The site phone number is listed in this brochure. For more information about this program, contact: Debbie Brickles - dbrickles@tnbankers.org Tennessee Bankers Association 211 Athens Way, Ste 100 Nashville, TN / or 615/ or Compliance Conference November 29 & 30 Nashville Airport Marriott, Nashville Please print or type. List name and badge nickname for each attendant. Check space if registrant is a spouse. Must be included for delegates For educational tracking purposes only Company Contact Address City State Zip Phone TBA Members / Associate Members Nonmembers Early Registration $440 $880 Early registration deadline is November 15. Registration $470 $910 At-the-door $520 $960 To register online go to TOTAL $ Method of payment: VISA MasterCard Check CK# Card # Exp Date Make checks payable to Tennessee Bankers Association Name as appears on card (please print) Card billing address City State Zip Phone Signature of cardholder Return completed form & payment to: Tennessee Bankers Association ATTN: Monique Jenkins 211 Athens Way, Ste 100 Nashville, TN Phone: 615/ or 800/ Fax: 615/