Description:
What you need to know in 2027! Hear first-hand the high-focus areas examiners are concerned about, how competition is causing the need to hone card offerings (and how those product adjustments affect compliance), and real-life management tips to stay on top of it all!
More community financial institutions are adding in-house credit card programs, for reasons that include improved customer service and experience, local support, multi-product customer engagement, consumer wallet share, net interest margin, and interchange income. Credit card compliance is comprehensive, though. It takes more than Reg Z’s open-end rules, and training on the full scope is hard to find.
This session covers the regulations that apply to card programs, from Reg Z’s special credit card provisions and the Credit CARD Act to FCRA, Reg B and fair lending, SCRA, MLA, E-SIGN, CRA, 1071 coverage of business credit cards, UDAP and card rewards programs, and BSA, OFAC, CIP, and COBO, along with the duties and responsibilities that come with offering a card.
You’ll learn how to:
- Identify the high-focus areas examiners are concerned about for credit card programs in 2027
- Apply Reg Z’s special credit card provisions and Credit CARD Act requirements
- Address FCRA, Reg B, fair lending, SCRA, and MLA considerations in card lending
- Evaluate how changes to card offerings, including rewards programs, affect compliance
- Use real-life management tips to stay on top of credit card compliance
Who should attend
Compliance officers responsible for credit card programs, card program managers and lending staff, and senior management weighing changes to card offerings.
Presenters:
Rebekah Leonard, CRCM
Rebekah is the owner of Elucidate LLC, a compliance training and consulting company. Elucidate means to “make clear, explain, throw light upon”, and describes Rebekah’s desire to illuminate the complexities of compliance with passion and fun. She’s created and produced a TRID music video parody and several Compliance Breakout escape rooms, which she frequently provides at state banking compliance conferences. She is an accomplished speaker and regularly provides webinars through BOL, Compliance Resource, and BankersHub.
Rebekah is currently serving as the VP Director of Compliance for an $8 Billion community bank in Montana. She began her career in 1995 at a private lending company, but soon settled into banking, where she’s covered nearly all of it – customer service and teller work, loan processing and review, and security and business continuity. She now oversees CRA, and all aspects of compliance as a senior leader. She has successfully navigated numerous FDIC Compliance, CRA, and BSA Exams.
Rebekah has a bachelor’s degree in Organizational Leadership from Chapman University (Magna cum Laude), attended the American Bankers Association National Compliance School in 2003, and has held her Certified Regulatory Compliance Manager designation since 2006. She is a BOL Compliance Guru.
February 11, 2027