Education Seminar

A Day With the Regulators 2014
San Francisco Marriott Union Square, April 22 and Manhattan Beach Marriott, April 24

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 2014, what’s new and different in the coming year, and what areas continue to be issues for banks;
  • Implement the new mortgage rules that just went into effect this year;
  • Determine the impact of the latest consumer complaint trends on your compliance program
  • Better understand the expectations the regulators have in terms of board and management oversight;
  • Describe the regulatory issues raised by the introduction of Bitcoin in the payments world, including 3rd party processors & UDAAP;
  • Conduct fair lending data analyses of non-mortgage portfolios (auto loans, pay day & small dollar loans);
  • Assess the regulatory risks social media may present to your bank and how to offset them.
  • Better understand issues the agencies are seeing regarding FACTA
  • Describe the issues banks are facing around CRA


The session will run from 8:30 to 4:00, 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)
  • Servicing/RESPA
  • Remittances

Meet The Examiners:

  • Breakouts with your primary agency


Consumer Complaints: Trends & Analysis

Consumer Compliance Risk Assessment Process

Regulatory Expectations of Board and Senior Management Oversight

Bitcoin – What does it mean for banks?

  • Online Virtual Payments
  • 3rd Party Processors
  • Vendor Management
  • UDAAP Issues

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)
  • Indirect Auto Lending
  • What We Are Seeing
  • What Banks Should Be Doing

Compliance Updates: The Regulatory Checklist

  • Social Media
  • CRA

What’s Next?


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

Scheduled Speakers

Stephen King, Director of Regulatory Compliance Services, Wolf & Company, P.C. 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

  • Gilberto Cooper, Division of Banking Supervision and Regulation

Federal Deposit Insurance Corporation

  • Jason Allen, Compliance Examiner, San Francisco Region ;
  • Phillip Gregorchuk, Compliance Examiner, San Francisco Region;
  • Brian McCarthy, Senior Compliance Examiner, Orange County Office;
  • Karen Kopczak, Compliance Examiner, Orange County Office;
  • Justin Huynh, Supervisory Examiner/Corporate Recruiter, Division of Depositor and Consumer Protection, San Francisco & Sacramento Territory;
  • Liz Gonzales, Field Supervisor-Compliance, Southern California Compliance Territory

Office of the Comptroller of the Currency

  • Richard Dixon, Assistant Deputy Controller, Los Angeles Field Office;
  • Tom Jorn, Assistant Deputy Comptroller, San Francisco Field Office;
  • Mark Levy, National Bank Examiner, Los Angeles Field Office

Consumer Financial Protection Bureau

  • Laura Fiene, Assistant Regional Director, West Region;
  • Mark Jennings, Field Manager, West Region
  • Dave Twichell, Assistant Regional Director, West Region;
  • Paul Hutson, Field Manager, West Region

Registration Fees

Early Bird Registration through Friday, March 28, 2014
CBA Member: $345
Non-Member: $545

Regular Registration
CBA Member: $445
Non-Member: $645

Cancellation & Complaint Policy:
Substitutions are allowed, at no additional cost. Written notice is required for all substitutions/cancellations. The full registration fee will be refunded if written notice is received by April 4, 2014 and 50% if by April 11, 2014. No refunds will be provided after April 11, 2014. Registrations made after April 11, 2014, 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 22, 2014

San Francisco Marriott Union Square
480 Sutter Street
San Francisco, California 94108
(415) 398-8900

CBA has arranged a special rate of $199 per night.  Please call (800) 228-9290 to reserve by Monday April 7, 2014.

Thursday, April 24, 2014

Manhattan Beach Marriott
1400 Parkview Avenue
Manhattan Beach, California 90266
(310) 546-7511

CBA has arranged a special rate of $165 per night. Includes guestroom internet.  Please call (888) 236-2427 or click California Bankers Association A Day with the Regulators to reserve by Friday April 4, 2014.

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

Is there group pricing?

Yes, for three or more registrants there is a discount of $50 of each registration. Please contact John Lingvall at for details.