Wednesday, October 23
Mortgage Lending Compliance
The Consumer Financial Protection Bureau issued multiple changes to mortgage compliance requirements (and continues to make changes). Every credit union will need to amend its policies and procedures. From underwriting loans to servicing them, these changes will have a major impact on your mortgage lending. You will learn these regulatory changes, the risks that they could pose to your institution, and the steps that you will need to take to be prepared for the January 2014 deadlines.
What to Expect:
This workshop will include lots of interaction and a questions and answer period along with several hours of training on the new CFPB rules including:
- Qualified Mortgage ("QM”) rules, including the underwriting factors, exceptions, and interplay with higher priced mortgage loans
- Mandatory requirements to provide copies of appraisals and discussion of appraisal procedures from start to finish
- Changes to high cost mortgage rules and a homeownership counseling requirements
- New disclosures and model forms, including periodic statements for mortgages, ARM adjustment notices, etc.
- Requirements for force-placed insurance, information requests, errors and delinquent borrower requests
- Application of mandatory escrow period and an exception to the escrow rule
- How to implement each of these new rules
Credit union personnel should bring their existing policies, procedures, and underwriting checklists. The objective of this workshop is for attendees to leave with the practical information necessary to assist their credit union with implementing the new mortgage rules.
Who Should Attend:
This program is designed for everyone in the credit union involved with mortgage lending, including the CEO, VP of Lending, compliance officers, and mortgage managers. Whether you deal directly with borrowers, or are involved in the "behind-the-scenes” work of making loans involving property, this workshop will provide the information you need to keep up with the new requirements.
About the Presenter: Ed Reisinger, Trimmier, Kudulis and Reisinger, LLC Edward S.
Reisinger is a partner of Trimmier, Kudulis, and Reisinger, LLC which provides outstanding legal service to credit unions, small businesses, and CUSOs throughout the Southeast.
He graduated cum laude from The Florida State University with a Bachelor of Science in Business, and received a Juris Doctorate from The University of Alabama. At the University of Alabama Edward was the President of the Student Bar Association and the Edward Friend Scholarship Award Recipient. Before attending law school Edward worked at Resource One Credit Union and AmSouth Bank.
Thursday, October 24
Due to circumstances beyond our control, the HR Compliance Day of this conference has been cancelled. Details about rescheduling will be made available soon.
In today’s complex and regulation driven world, there are areas of risk exposure of which every credit union should aware. This session will cover the following areas of most common risk and ways to prepare the workplace to mitigate them.Topics covered include:
- The interplay of FMLA, ADA and Workers Comp
- Covering your bases with I-9 and IMMIGRATION
- Why DISCIPLINE and TERMINATIONS can actually be the two best preventions for lawsuits
- The art of SELECTION and COMPENSATION – and the legal ramifications that can land you in hot water
- PPACA – how the new health care law creates new areas of worry for your risk management team
- GENERAL HUMAN RESOURCES practices – including handbooks, policies, supervisory responsibilities and a host of other topics important in keeping your workplace compliant and complaint free (almost!)
Healthcare Reform - Obama Care - The PPACA In Action
No matter your opinion about the law, the PPACA is moving forward and is rapidly changing the landscape of health benefits in the United States. There are still quite a few unanswered questions, but with tens of thousands of pages of regulations supporting the new law, there is a LOT to talk about! In this session, the participants will review the major provisions of the law including:
- What has already been implemented
- The elimination of annual and lifetime limits
- Medical Loss Ratios (MLRs) and what it means for your business
- What it means to have a "Grandfathered” Plan
- "Pre-Ex” and why they are going away
- Tax Implications
- Some unintended consequences
- What credit unions need to be doing NOW
Who Should Attend:
Ideal for all levels of management, including those in human resources and benefits positions, this session will have time built in to answer questions and allow for comments and discussion among the participants.
About the Presenter: Janie Warner, Regions Insurance Group, Inc.
Janie Warner is a self proclaimed "Credit Union Evangelist” who believes whole heartedly in the credit union philosophy. Janie is also a seasoned business executive with more than 25 years professional experience in senior management and in human resources. She is the former Vice President/Human Resources for Arkansas Federal Credit Union and served as Chief Administrative Officer for ABC Financial Services.
She currently serves as an internal consultant for Regions Insurance Group, Inc. as well as being a featured speaker for financial services groups all across the United States. Janie holds a bachelor’s degree in psychology from Evangel University and a master’s degree in management from Golden Gate University.
|Asset Size||Both Days||One Day|
Scholarships are available for all KCUA education events. Scholarships pay 100% of registration fee for credit unions under $7M, 50% for credit unions between $7-$75M and 25% for credit unions over $75M.
DoubleTree by Hilton | Wichita Airport
2098 S. Airport Rd.
Wichita, KS 67209
Mention KCUA when making your hotel reservations to receive the discounted rate.
Reservation Deadline: Tuesday, October 8
Cancellations received less than 72 hours prior to the event will result in a $35 cancellation fee. Substitutions are welcomed and encouraged.