2026 Complex Deposit and Other Compliance Requirements / Quarter 1 Compliance - Tifton

Complex Deposit Compliance Requirements

We are going beyond the basics with a full day focus on COMPLEX deposit compliance issues. This day will include a deep dive into requirements in deposits that can be more difficult to understand, detect, and resolve. 

INSTRUCTOR: 

Tracy Bush, CRCM Senior Manager
Wipfli


We’ll explore specific aspects of the following areas that can trip up even the most experienced deposit and/or compliance staff, and can result in consumer harm and/or trouble at your next exam:

• Regulation E – Electronic Funds Transfer Act
  • Error resolution and consumer liability
  • Disclosures
  • Opt-in
• Regulation CC – Expedited Funds Availability Act
  • Check holds
  • Disclosures
• Regulation DD – Truth in Savings Act
  • Disclosures
  • Periodic statements
  • CD renewal notices
  • CD early withdrawal penalties
• Change in terms for Regulation E, CC and DD
• Deposit account adverse action notices (Fair Credit Reporting Act)
• Overdraft Privilege Program
• Electronic Signatures in Global and National Commerce Act (e-Sign)
  • At the time of account opening if you are not giving paper copies
  • At the time of online account opening
  • For subsequent statements, disclosures and notices
• Advertising/marketing
  • Triggering terms disclosures
  • Rewards accounts
  • Overdraft Privilege Program

ABOUT OUR INSTRUCTOR: 
A key member of the Wipfli’s Financial Services Regulatory Compliance team, Tracy works with clients to assess the effectiveness of their compliance program for both large and small financial institutions. She provides compliance training and easy-to-understand explanations of complicated regulations. Tracy has more than 28 years of financial institution experience, including a strong background in regulatory compliance, Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), and operations. This experience has allowed Tracy to develop strong advisory, training and leadership skills. She has designed, implemented, and monitored full-scope, risk-based compliance and BSA programs. Tracy has a deep understanding of the issues facing financial institutions and is able to provide meaningful insight and recommendations.