Compliance School Deposits Track – May 21, 2026​​​​

The school will run from 8:30 am to 3:30 pm. A light continental breakfast will be provided. There will be a morning and an afternoon break. A 45-minute lunch will be served at 12:00 noon.

Consumer deposit products, services and delivery methods have changed dramatically due to the Dodd-Frank Act. Regulatory amendments and new interpretations have created an extremely complex deposit environment. This program provides a comprehensive discussion on critical deposit account rules and discusses the implications of UDAAP and the subjectivity of enforcement. Compliance officers and personal bankers will be better prepared to identify solutions in the deposit account front-line sales and operations areas.

Reg D: NOW Eligibility and Reserve Requirements

• Repeal of the withdrawal restrictions on savings and money market accounts
• Regulatory minimum and your bank’s early withdrawal penalty
• What are the reserve requirement rules? How do they impact compliance?
• Interest-bearing DDA vs. NOW accounts – they’re not quite the same.
• Interest premium rules – Do they still matter?

Reg E: Electronic Funds Transfer Act

• Disclosures and notices
• Resolving error claims
• Electronic check conversion
• Customer education
• Remote deposit capture
• Mobile banking
• Foreign remittance rules
• Payroll card and gift card rules
• Examination trends and frequent findings
• Overdraft Opt-ins

Reg CC: Expedited Funds Availability Act

• Disclosures and notices
• Implications of item posting order.
• Common hold notice errors
• Check 21
• Remotely Created Checks

Reg P: Privacy and Information Sharing “Opt Outs”

• Reg P rules
• Model form (01/01/11)
• Connection with FCRA sharing
• Do not market/Do not solicit policies.
• New CFPB annual disclosure rules

Reg S: Right to Financial Privacy

• Government information requests
• Reimbursement

Fair Credit Reporting Act/ID Theft “Red Flags”

• Address discrepancies
• Credit report alerts
• Other “red flags”
• Affiliate marketing
• Annual report

Reg DD: Truth in Savings Accounts (TISA)

• Disclosures and notices
• Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
• The higher-risk parts of the rules (e.g., inconsistent terminology, products/terms changes)
• Advertising compliance
• Common disclosure errors
• Courtesy Overdraft Programs

At the conclusion of this program, participants should be able to:

• Identify the information that must be disclosed to deposit account customers.
• Recognize compliance solutions that can enhance sales and operations processes.
• Identify and correct deficiencies that might exist in deposit account disclosures.
• Understand Truth in Savings (Reg DD) rules.
• Understand latest enforcement trends for TISA/Reg DD including UDAAP.
• Demonstrate knowledge of the details and bank-wide impact of selected rules.

Speaker

Brian J. Crow, CAMS | Managing Partner/Co-President

Brian’s passion for skill in protecting bank assets from fraud and compliance losses have earned him the nickname, “Security Evangelist.”

In addition to developing and guiding the strategic vision for TCA, Brian delivers focused education support to clients and helps them manage TCA’s suite of consulting, audit, and training services. He’s a nationally recognized expert on BSA/AML and deposit compliance and is a regular speaker at the annual BSA/AML Top Gun Conference. As an education consultant for the Glia Group BOL Learning Connect program, Brian conducts webinars on topics such as VISA/Mastercard chargeback, debit card compliance and fraud prevention. For this work he was recognized as a Bankers Online Guru in 2011.

Location

Virginia Bankers Association
4490 Cox Road
Glen Allen, VA 23060
​Free parking on-site.

Wi-Fi

The Wi-Fi network is VBAGuest, the password is banker4490.

Session Materials

The password to view the session materials is Compliance26.

2026 Compliance School - Deposits Track Presentation

2026 Compliance School - Deposits Track Materials

Attendee Roster

See who is attending!

Hotel Information

Drury Plaza Hotel Richmond
11049 West Broad Street
Glen Allen, VA 23060

The rate includes a hot breakfast, evening food and drinks at 5:30 pm, parking and Wi-Fi.