Education Seminar

A Day With the Regulators 2013
The Concord Hilton (4/23) & Hyatt Newport Beach (4/25)

The deluge of new rules and guidance from financial regulators is not diminishing, and examiners are as diligent as ever.

Once again CBA offers its annual one-day seminar designed to give bankers an opportunity to meet face-to-face in an informal setting with their regulators and examiners. This year’s session will include representatives from the Federal Reserve Bank of San Franciso (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), and the Consumer Financial Protection Bureau (CFPB).

“A Day with the Regulators” will cover ongoing and emerging compliance and examination issues, provide updates on the changes, and keep bankers in tune with regulators’ views, recent examination findings, and compliance trends. And finally this is an occasion for compliance managers, and others whose roles directly affect effective compliance to meet each other, share issues, and compare best practices.

Program Objectives

Examiners will discuss their approaches to examinations and to compliance in the current environment, and look at the implications of ongoing changes to well-established regulations to help bank officers to better:

  • Understand the compliance priorities for each of the agencies in 2013, what’s new and different in the coming year, and what areas continue to be issues for banks;
  • Implemen the new mortgage rules by their 2014 effective date;
  • Build an effective UDAAP/Fairness program;
  • Establish a fully developed complaint management program;
  • Standardize small business lending processes in advance of data collection rulemaking;
  • Conduct fair lending data analyses of non-mortgage portfolios (auto loans, credit card portfolios);
  • Find potential “redlining” by determining whether marketing strategies


The session will run from 8:30 to 3:30, with breakfast provided at 7:30 and lunch at noon.

The agenda, which is being developed in conjunction with the agencies and bank compliance officers, will include breakout sessions with representatives of the examining agencies. 

The Evolving Regulatory Environment

Roundtable Groups:

  • What are the issues you want covered today?

Agency Compliance Priorities


New Mortgages Rules

  • Ability-to-Repay / Qualified Mortgages Final Rule
  • Mortgage Servicing Final Rule
  • Loan Originator Compensation
  • High-Cost Mortgages / HOEPA
  • Escrow Requirements
  • Appraisals (ECOA & TILA rules)

Meet The Examiners:

  • Breakouts with your primary agency


Fair Lending

  • Fair Lending will always be a Compliance Priority
  • Fair Lending Reviews vs. Fair Lending Exams and What Banks Can Expect
  • How the OCC Selects Banks for a Fair Lending Exam (Comparative File Analysis)
  • What We Are Seeing
  • What Banks Should Be Doing

Towards a comprehensive compliance program for fairness:

  • Recent Case Studies
  • High-Risk Areas
  • Emerging Risk Areas
  • Relationship to Other Laws
  • Best Practices

Compliance Updates: The Regulatory Checklist

  • Social Media Guidance
  • Vendor Management
  • Flood Insurance
  • Service Member Relief

What’s Next?

  • A Third-Party View


  • Compliance officers and managers
  • Credit officers
  • Risk managers
  • Operations managers
  • Branch managers
  • Internal auditors
  • Bank counsel
  • Senior bank managers

Scheduled Speakers 

Lyn Farrell, Managing Director, Treliant Risk Advisors LLC will facilitate the seminar.

Speakers from the FDIC, FRB-San Francisco, OCC and CFPB will to take part in short presentations, panels and Q&A sessions.   

Federal Reserve Bank of San Francisco

  • Cecilia Knowles, Senior Compliance Manager – Consumer Compliance Examinations, Division of Banking Supervision and Regulation;
  • Kurtis Haygood, Examiner – Consumer Compliance Examinations, Division of Banking Supervision and Regulation;
  • Jason Lew, Compliance Risk Coordinator, Division of Banking Supervision and Regulation

Federal Deposit Insurance Corporation

  • Hansen Lasconia, Compliance Examiner, San Francisco Region ;
  • Mercedes Johnson, Compliance Examiner, San Francisco Region; 
  • Jeff Jacobs, Supervisory Examiner, Division of Depositor and Consumer Protection, Los Angeles North Field Office;
  • Brian McCarthy, Acting Review Examiner, Orange County Office;
  • Dianne Dodson, Senior Compliance Examiner, Division of Depositor and Consumer Protection, Los Angeles North Field Office

Office of the Comptroller of the Currency

  • Richard Dixon, Assistant Deputy Controller, Los Angeles;
  • Tom Jorn, Assistant Deputy Comptroller, San Francisco;
  • Josie Reyes, Examiner; Denise Mueller, Examiner

Consumer Financial Protection Bureau

  • Laura Fiene, Assistant Regional Director, West Region;
  • Mark Jennings, Assistant Regional Director, West Region;
  • Dave Twichell, Acting Assistant Regional Director, West Region;
  • Timothy O’Donnell, Field Manager, West Region

Registration Fees

Early Bird Registration through Friday, March 29, 2013
CBA Member: $345
Non-Member: $445

Regular Registration
CBA Member: $445
Non-Member: $545

Cancellation & Complaint Policy:
Substitutions are allowed, at no additional cost. Written notice is
required for all cancellations. The full registration fee will be
refunded if the written request is received by Tuesday April 2,
2013, and 50 percent if by Tuesday April, 9. There will be no
refunds after April 9. Registrations made after April 9 are not
subject to refund.

Complaints regarding this program should be directed to John Lingvall, VP & Director of Education at (916) 438-4428.

Location Information 

Tuesday, April 23, 2013

Hilton Concord Hotel
1970 Diamond Blvd
Concord, CA 94520
(925) 827-2000

A room block has been arranged with the hotel at a rate of $132 per night.  Please contact Monica Barton at or 925/349-2619 to reserve.  

CBA will host self parking the day of the event.

Thursday, April 25, 2013

Hyatt Regency Newport Beach
1107 Jamboree Road
Newport Beach, CA 92660
(949) 729-1234

CBA has arranged a special rate of $149 per night. Includes complimentary overnight parking and guestroom internet.  Please call (888) 421-1442 or click to reserve by Thursday April 4, 2013.

CBA will host self parking the day of the event.

Credit Information

Program Level: Update for all levels

Prerequisite: None

Advance Preparation: None

Method of Presentation: Group – Live (Lecture, Discussion, and Table Exercises)

Recommended CPE Credits: 7.0 Hours Maximum
(Estimated 2.0 Accounting, and 5.0 Specialized Knowledge and Applications)
Sponsored learning activities are measured by program length, with one 50-minute period equal to one CPE credit.  One-half CPE credit increments (equal to 25 minutes) are permitted after the first credit has been earned in a given learning activity.  Please note that not all state boards have adopted this rule.  Some participants may not be able to use one-half credit increments.


Are Institute of Certified Bankers continuing professional education credits offered for this program?

Yes.  In addition to the NASBA CPE credits, the Institute of Certified Bankers is certifying this program for credits toward their CRCM designation. Visit for instructions regarding self-reporting. Estimated credits: 7.0 hours CRCM