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10 Overdraft Hotspots, Including Regulations, Lawsuits & Guidance

Apr 08 2:00 PM - Apr 08, 2020 3:30 PM
Apr 08, 2020 2:00 PM - 3:30 PM

How will your overdraft program fare during the next examination? Attend this “checkup” to learn today’s overdraft hotspots and how to assess your program’s compliance and veracity – before the examiners do.

Learning Objectives

  • Understand the regulations, guidance, and regulatory environment
  • Authorize positive/settle negative
  • Define what “good funds” are
  • Distinguish average balance from ledger balance
  • Explain fees per item per time
  • Judge whether your overdraft program would pass an exam – based on regulatory hot spots and how the rules are being interpreted
  • Comprehend the implications of Reg E, Reg DD, state laws, and pertinent guidance
  • Assess your policy, procedures, fees, and marketing
  • Discuss current issues related to fair and unfair trade
  • Answer frequently asked questions about overdraft programs
  • Expound on the importance of consistent fees

It’s 2020 and the examiners are expected next month. Will your financial institution pass the test? This program is designed to provide an update and the steps needed to complete an overdraft service checkup on your program before examiners arrive. Whether your system is automated or ad hoc, there are some themes and specifics examiners will target this year. Join us for a look at litigation, federal laws, state law issues, and other overdraft “hot spots” in this regulatory environment. It continues to be shifting sand.



Deborah Crawford, Gettechnical Inc.

Deborah Crawford is the President of Gettechnical Inc., a Baton Rouge-based firm,specializing in the education of financial institutions across the nation. Her 30+ 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 areas of deposit account laws, new account documentation, insurance, complex compliance regulations, and IRAs.




Additional Info

Deposit Account Series

This webinar is also available as part of a six-part series. Purchase the full series of six webinars for $1,295 and save $259.

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Event Type

On-Demand Webinar

Topics Covered

  • On-Demand Webinars
  • Member Service
  • Compliance