Regulatory Compliance Certification School 2025

Certification track schedule

This track covers the fundamentals of credit union compliance in an easy-to-follow format, making it valuable for both new and experienced compliance professionals seeking a solid understanding or a refresher. Plus! You can earn our newest certification, the Certified Credit Union Compliance Officer (CUCO). 

To accommodate attendees who may need to travel for the conference on Monday, April 21, in observance of the holiday, no exam-related material will be covered before 1:00 PM CT on that day. Additionally, all sessions throughout the event will be recorded and made available to registered attendees for on-demand viewing.

Registration will begin at 7 a.m.

Day 1 sessions will begin at 9 a.m. CT and conclude at 4:40 p.m. with an optional study time from 4:40-5:40 p.m. 

Registration & Networking Breakfast

Conference Welcome  

Crime Enforcement Update

  • Latest trends and threats
  • Case studies and investigations
  • Tools and resources
  • Compliance and law enforcement collaboration

Advocacy In Action

  • Importance of advocacy in credit unions
  • Strategies for writing impactful comment letters
  • Methods to influence policy and regulation
  • Use of examination priorities in advocacy efforts

Roundtable Discussion

  • Open discussion on regulatory trends and compliance challenges

Federal Credit Union Governance

  • Credit Union Bylaws
  • Membership
  • Board of Directors and Committees 

FCU Powers & Limitations/Field of Membership

  • Express and Incidental Powers
  • Credit Union Bylaws
  • Statutory Lien
  • Limitation of Services and Expulsion
  • Defining Field of Membership

NCUA Supervision & Examinations

  • NCUA CAMELS Rating System
  • NCUA Administrative Tools
  • NCUA Risk Focused Exam
  • Supervisory Priorities

NCUA Lending Regulations

  • General Lending Rule
  • Maturity and Concentration Limits
  • Commercial Lending and MBLs Part 723

Wrap-up

Study time (optional)
 

Day 2 sessions will begin at 9:15 a.m. CT and conclude at 4:25 p.m. with an optional study time from 4:25-5:25 p.m. A networking reception will be held from 5:30-7 p.m.

Networking Breakfast  

CUCO Exam 1 (optional)

Share Insurance

  • Standard Maximum Share Insurance Amount
  • Coverage of Different Accounts
  • Ways to Maximize Share Insurance

Truth In Savings

  • General Disclosure Requirements
  • Advertising
  • Overdraft Protection Disclosures

Regulation E

  • The Scope of the Rule
  • Disclosure Requirements
  • Overdraft Protection

E-Sign

  • Electronic Disclosures
  • Opt-In Requirements
  • Electronic Consent
  • Regulation CC
    • Funds Availability Requirements
    • Disclosure Requirements
    • Extended Holds

Privacy

  • Regulation P
  • Affiliate Marketing
  • Right to Financial Privacy

Wrap-up

Study time (optional)

Networking Reception

Day 3 sessions will begin at 9:10 a.m. CT and conclude at 4:40 p.m. with an optional study time from 4:40-5:40 p.m.

Networking breakfast  

CUCO Exam 2 (optional)

Reg Z: Open-End Credit and Consumer Loans

  • Regulation Z’s Coverage
  • Open-End versus Closed-End Loans
  • Open-End Requirements
  • Special Rules for Credit Cards

Truth in Lending Act (TILA) and RESPA Mortgage Origination Rules

  • RESPA origination rules
  • TRID
  • Ability to Repay/Qualified Mortgage rule
  • Loan originator compensation

 Reg B/Fair Lending

  • Fair Lending Laws – Equal Credit Opportunity Act and Fair Housing Act
  • Reg B adverse action notices and technical requirements
  • FDCPA scope

Fair Credit Reporting Act (FCRA)

  • Permissible Purposes for Accessing Consumer Reports
  • Scope of the Regulation
  • Adverse Action Notices

Lending to Servicemembers: Military Lending Act (MLA) & Servicemember Civil Relief Act (SCRA)

  • MLA/ SCRA Scope – Covered Loans, Covered Borrowers
  • MAPR Calculation & Bona Fide Fee
  • Limitations
  • Penalties
  • Wrap-up
  • Study time (optional)

Day 4 sessions will begin at 9:10 a.m. CT and conclude at 3:55 p.m. with an optional study time from 3:55-4:55 p.m.

Networking breakfast  

CUCO Exam 3 (optional)

Information and Data Security

  • Safeguarding Member Information 
  • Response Programs for Unauthorized Access to Member Information
  • Gramm-Leach-Bliley Act
  • NCUA's Vital Records Preservation and Catastrophic Act
  • FFIEC IT Handbook
  • NCUA's Security Regulations

Vendor Management

  • NCUA Expectations
  • CFPB Enforcement
  • Risk Assessment and Planning
  • Due Diligence Requirements

Telephone Consumer Protection Act (TCPA) Basics

  • Do Not Call Rule
  • Autodialed Calls
  • Obtaining Consent to Call

Flood Insurance Basics

  • Scope of the Rule – Designated Loans
  • Notice Requirements
  • Escrow Rule

TILA and RESPA Mortgage Servicing Rules

  • Periodic Statements
  • Error Resolution
  • Loss Mitigation
  • Successors in interest
  • Small Servicer Exemptions
  • Escrows

Bank Secrecy Act (BSA) & Office of Foreign Assets Control (OFAC)

  • Overview of the Act
  • Role of the Governmental Agencies in BSA
  • Regulatory Requirements of a BSA Program
  • Recordkeeping and Reporting Requirements
  • Non-Compliance Penalties
  • Wrap-up
  • Study time (optional)

Day 5 sessions will begin at 9:10 a.m. CT and conclude at 11:05 a.m. Additional (optional) Exam Testing will be from 11:30 a.m.-12:30 p.m.

Networking breakfast  

CUCO Exam 4 (Optional)

Build Your Compliance Toolkit Workshop

  • Create personalized compliance tools and strategies tailored to your credit union’s needs through interactive activities
  • Put Your Knowledge Into Action Roundtable
    • Build on your work from the previous session, refining and strengthening your toolkit so it is ready to use when you return to your credit union

CUCO Exam (May take or retake any exam during this session)