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2019 Fall Compliance Conference

9:00 a.m. – Registration
9:30 a.m. – Business Session
10:30 a.m. – Networking Break
Noon – Luncheon
1:00 p.m. – Business Session Continues
4:00 p.m. – Session Adjourns


$295 | Members
$785 | Non-Members

Sponsored by:

Porter Keadle Moore logo

HMDA:  What lessons have we learned?  In this session, we will take a quick look at the common pitfalls and best practices noted in recent audits and examinations relative to gathering information, recording, and reporting data under current HMDA rules.   

Fair Lending Analysis: What are the key risk indicators? This session will break down the key fair lending risk indicators from the joint agency examination procedures.  Through this session, you will gain a better understanding of how the key risk indicators lead to focal points in fair lending examinations and audits.  The session will also include examples of potential fair lending issues and provide best practices for consideration to mitigate heightened fair lending risk. 

Community Reinvestment Act (CRA) Update and Refresher:  This session will provide a timely update on the current status of CRA modernization efforts, as well as provide a refresher on the key performance indicators under current CRA rules and examination processes. 

RESPA Section 8:  Why are we talking about this again?  Mortgage lending is picking up and increased competition in the market place can inadvertently create an environment where costly RESPA Section 8 violations can occur.  This session will provide an overview of the RESPA Section 8 rules and regulations, and provide examples of potential pitfalls to avoid and best practices to consider to avoid costly violations.

Private flood insurance:  What do we need to know?  This session will include an overview and analysis of the new Private Flood Insurance rules which were effective July 1, 2019.  The key provisions discussed in this session will include Mandatory Acceptance of Private Flood Insurance and Compliance Aid; Discretionary Acceptance of Private Flood Insurance; and Coverage by Mutual Aid Societies. 

ATR / QM Regulatory Relief Update.  On May 24, 2018, the Economic Growth, Regulatory Relief, and Consumer Protection Act was enacted which, in part, mandated changes to certain provisions of the Dodd-Frank Act, including ATR/QM mortgage rules.  Implementation of the ATR/QM changes require action by the CFPB to update Regulation Z.  This session will provide a current update of the status of ATR/QM reform efforts based upon the latest developments and information from the CFPB and joint agencies. 

UDAAP for Lenders:  Unfair? Deceptive? Abusive? – You may think you’re treating all customers fairly but do your actions present a UDAAP issue to applicants? During this session we’ll cover the do’s and don’ts to avoid potential UDAAP issues.

Elder Abuse in Lending: What does it look like?  Mandatory reporting in SC? Being in a customer facing position puts you on the frontline of identifying and reporting elder abuse. What do you look for? What’s required by the federal government? What’s required by the state of South Carolina? We’ll discuss all of this and more during this session.

BSA issues for lenders:  What should I be aware of? BSA has been, and continues to be, a high priority for regulators. Issues discovered during exams can often times be linked to frontline employees completing their daily responsibilities. During this session we’ll
look at BSA issues specific to lenders and how lenders can use BSA requirements to generate more loans.

Marijuana Banking – Where do we stand as it relates to CBD, Hemp and Marijuana banking and the applicable requirements?

We’ll discuss industry updates and where the regulatory agencies seem to stand on this topic.

  • Kenneth  “Kenny” C Douglas, CPA, CAMS, CRCM, ACT Specialist is a graduate of Georgia Southern University with a Bachelor of Business Administration degree in Accounting and Finance and a Masters of Business Administration. After graduating, he joined a public accounting firm where he gained experience in external and internal auditing of banks. He also gained a foundational knowledge of deposit and lending compliance, fair lending and BSA/AML by working side by side with a prior OCC examiner. Kenny later joined Regions Bank, a top 20 bank in the U.S., to work in their Internal Audit department as a Senior Regulatory Compliance Auditor on their compliance and BSA team. While at Regions, Kenny served as the Flood and HMDA subject matter expert for the department. Aside from auditing, Kenny has gained extensive experience in Risk Assessment review and development, conducting training for bankers and banking associations, policy development, and enhancing processes to be as efficient as possible with limited resources. Kenny has also been involved with unique projects related to virtual currency, marijuana banking and international correspondent banking.

    W. Brad Washburn is a financial institution specialist for Steve H. Powell and Company, which is headquartered in Statesboro, Georgia.  Brad has been with the company since 2002 and serves as the managing director of the compliance division as well as the managing editor of the regulatory compliance newsletter, The Compliance Pipeline.  As a financial institution specialist, he provides risk-based regulatory compliance review, consultation, audit, and training services for financial institutions of various asset sizes located throughout the Southeastern United States.  Brad has served as a featured speaker and panel member for numerous seminars and events related to regulatory compliance matters, and has been quoted in a national banking news publication as a compliance subject matter expert.  In addition, he has served as an instructor for the Georgia Banking School at the University of Georgia and has participated in banking programs with the Center for Banking at Georgia Southern University.  Brad has a BBA in Finance from Georgia Southern University, Statesboro, Georgia, is a Certified Anti-Money Laundering Specialist (CAMS), and is a Certified Regulatory Compliance Manager (CRCM).  Brad is originally from Macon, Georgia and currently resides in Statesboro, Georgia with his wife, son, and two daughters.

  • Materials for the presentation will include PowerPoint presentation slides and a source document which can be used for future reference.

  • Please Register before October 15, 2019. 

    Lunch is included in the registration fee.

    Due to necessary commitments and expenses, there will be no refund of registration fees after 12 p.m. on Tuesday, October 22, 2019.


Oct 10 2019


9:00 am - 4:00 pm

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Courtyard Marriott Downtown @ USC
Columbia, SC
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