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FDIC Guidance on Overdraft Protection

Learn best practices to ensure your overdraft program is compliant.

This topic will provide a comprehensive look at overdraft programs, the benefits they provide to depository institutions and the compliance issues that they face. Overdraft programs while maligned by consumer groups are valued services for many bank customers and important sources of revenues for banks. At the same time, because of the level of regulatory attention that they have received the supervisory expectations for these programs can be high and complex operational issues can raise compliance problems. Learn about the issues and the potential pitfalls and some ways to avoid them.

Runtime: 91 minutes
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Why Lorman?

Over 31 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

Offering an Overdraft Program

  • Benefits
  • Risks

Types of Programs

  • No Commitment
  • Types of Transactions
  • Opt-in and Opt-out
  • Disclosed and Undisclosed Limits
  • Eligibility Criteria
  • Fees
  • Posting

User Characteristics

  • Inadvertent Users
  • High Users
  • Businesses

Regulatory Requirements

  • Regulation O-Executive Officers
  • Joint Guidance 2005
  • Reg DD 2006
  • Reg E Opt in 2009
  • FDIC Guidance 2010
    • FDIC FAQs

Enforcement Issues

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More Program Information

Why Lorman?

Over 31 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

OnDemand Webinar

This course was last revised on May 3, 2018.

Call 1-866-352-9540 for further credit information.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

Audio & Reference Manual

  • Arizona CLE 1.5
     
  • CA MCLE 1.5
     
  • CT CLE 1.5
     
  • GA CLE 1.5
     
  • HI CLE 1.5
     
  • IL CLE 1.5
     
  • ME CLE 1.5
     
  • MT CLE 1.5
     
  • NJ CLE 1.8
     
  • NV CLE 1.5
     
  • VT CLE 1.5
     
  • WA CLE 1.5
     
  • WV MCLE 1.8
     
The CLE Code is ONLY a requirement when applying for CLE Credit in California (for participatory credit), Kansas, New Jersey or New York. Other states do not need to supply the CLE Code to apply for CLE credit.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

MP3 Download

  • Arizona CLE 1.5
     
  • CA MCLE 1.5
     
  • CT CLE 1.5
     
  • HI CLE 1.5
     
  • IL CLE 1.5
     
  • ME CLE 1.5
     
  • MT CLE 1.5
     
  • NJ CLE 1.8
     
  • NV CLE 1.5
     
  • VT CLE 1.5
     
  • WA CLE 1.5
     
  • WV MCLE 1.8
     
The CLE Code is ONLY a requirement when applying for CLE Credit in California (for participatory credit), Kansas, New Jersey or New York. Other states do not need to supply the CLE Code to apply for CLE credit.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

Purchase Options

More Program Information

Why Lorman?

Over 31 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

Oliver Ireland

Oliver Ireland

Morrison & Foerster LLP

  • Senior Counsel at the firm of Morrison & Foerster LLP
  • Practice focuses on retail financial services and bank regulatory issues including consumer protection regulations and CFPB powers and initiatives, and all types of payment transactions, including compliance with NACHA rules
  • Previously a partner at the Firm and Associate General Counsel at the Board of Governors of the Federal Reserve System
  • Extensive experience in payment system issues including developing key Federal Reserve payment system initiatives including Regulation CC, Check 21, and the Federal Reserves Payments System Risk Policy, and well as participating in UCC drafting and international policy development on payment systems
  • J.D. degree, University of Texas School of Law; B.A. degree, Yale University
  • Can be contacted at 202-778-1614
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More Program Information

Why Lorman?

Over 31 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

All of your training, right here at Lorman.

Pay once and get a full year of unlimited training in any format, any time!

  • Live Webinars
  • OnDemand Webinars
  • MP3 Downloads
  • Course Manuals
  • Audio Recordings*
  • Executive Reports
  • White Papers and Articles
  • Sponsored Live Webinars

Additional benefits include:

  • State Specific Credit Tracker
  • Members Only Newsletter
  • All-Access Pass Course Concierge

* For audio recordings you only pay shipping

Questions? Call 877-296-2169 to speak with a real person.

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Product ID: 402037
Published 2018
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Available in Multiple Formats

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