Overdraft Privilege Programs

Where are we now?  How do we continue to provide a needed service and keep on the right side of regulations and guidance?  This webinar explores the overall picture and on-going challenges of offering ODP.

Where are we now?  Regulatory changes to Reg E and DD began a huge shift in our industry regarding Overdraft Privilege Programs (ODP).  This was followed by the 2010 FDIC Guidance which made us review previous guidance in 2005.  The lawsuits on ODP abound and websites sprung up on how to join a class action suit against your bank.  The environment for ODP was confusing and terrifying at best.

So where are we now?  What do we know?  How can we continue to provide a needed service and keep on the right side of the regulations and guidance?  And most important, what is right for the bank in 2014–its customers and shareholders?  This webinar will look at the overall picture and some of the on-going challenges of offering ODP.


  • A review of the laws and regulations
  • Risk assessment of this service
  • 2005 and 2010 Guidance
  • Third-party arrangements
  • Identification of types of overdraft payment programs offered
  • Examination procedures
  • Automated programs versus ad hoc
  • The lawsuits, UDAAP and the risks
  • Fees, follow-up, marketing and other related issues
  • Ending ODP programs, limiting ODP programs–what you can and can’t do
  • Questions compliance officers ask about ODP


Compliance officers, branch operations, training, security and all branch personnel.


Deborah Crawford is the President of Gettechnical Inc, a Baton Rouge-based firm, specializing in the education of financial institutions across the nation.  Her 27+ years of experience began at Hibernia National Bank in New Orleans.  She graduated from Louisiana State University with both her bachelor’s and master’s degrees.  Debbie specializes in the education of financial institution employees and officers in the area of deposit account laws, new account documentation, insurance, complex compliance regulations and IRAs.

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Institute of Certified Bankers: Estimated credits: 2 hrs. CRCM (self-reporting).


Live Webinar:

Member price: $265.00 | Non member price $530.00

On-Demand Webinar

Member price: $280.00 | Non member price $560.00


Online: Visit the CBA Webinar Catalog

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