Money20/20 USA 2025
On October 27, 2025, Monika McCarthy will take the stage at Money20/20 USA on the panel: “Audit-Ready Algorithms: Structuring AI for Easy Regulatory Reviews.” Monika will share practical strategies for embedding transparency and explainability into AI systems to meet regulatory expectations and reduce friction during audits and examinations. With AI’s growing role in expanding credit access, she will emphasize the importance of aligning models with fair lending laws and regularly testing against bias.
Regulation E Back to Basics: Remittance Transfers
In the September/October 2025 issue of ABA Risk and Compliance Magazine, Elizabeth Crew shares an overview of Subpart B of Regulation E, covering consumer protections for international remittance transfers. The column highlights requirements for prepayment and receipt disclosures, as well as error resolution procedures, notification timelines, and cancellation and refund protocols.
Central Florida Compliance Association (CFCA) – Fair Lending Risk Assessments Meeting
Rebecca Escario, CAMS presented on navigating the fair lending risk assessment, as examiners sharpen their focus and expectations continue to rise. In this August 2025 webinar, she shared actionable guidance on identifying potential gaps, strengthening oversight, and maintaining compliance amidst shifting regulatory priorities.
Mortgage Bankers Association (MBA) – 2025 CRA Residential Lending Workshop
In July 2025, Rebecca Escario participated on a panel at the Mortgage Bankers Association CRA Residential Lending Workshop, held at MBA Headquarters in Washington, D.C. The session explored how data and technology can strengthen CRA compliance—highlighting best practices for collecting and analyzing data, interpreting public CRA metrics and trends, and leveraging analytics tools to uncover opportunities and monitor progress.
Godfrey & Kahn – 2025 Credit & Liquidity Conference
Liza Warner took part in a fireside chat on the state of banking and regulatory compliance at the Godfrey & Kahn 2025 Credit & Liquidity Conference, held in Milwaukee on June 5th. Joined by fellow presenter Edward Hida, the session titled “Regulatory Environment – Are We There Yet?” offered insights into current regulatory challenges and trends. The conference brought together leaders in banking, law, investment banking, and private equity to discuss credit risks, strategic responses to today’s financial landscape, and emerging market developments.
Regulation E Back to Basics: Compliance Management of Overdraft Programs
Jim Treacy’s column, “Compliance Management of Overdraft Programs,” in the July/August 2025 issue of ABA Risk and Compliance Magazine explores the regulatory complexities of managing overdraft programs. Jim outlines key requirements under the Electronic Fund Transfer Act (EFTA), including mandatory opt-in procedures for certain transactions and strict disclosure standards. He also highlights risks associated with “authorize positive, settle negative” (APSN) transactions and emphasizes the importance of a robust compliance management system to help financial institutions meet evolving federal and state expectations while maintaining customer trust.
Chicagoland Compliance Association (CCA) – 2025 Breakfast Meeting
Tracey spoke at the Chicagoland Compliance Association Breakfast Meeting on July 10, 2025 at the Northern Trust Building in Chicago. Her session, “FCRA Fundamentals: Permissible Purpose, Information Sharing, and Risk-Based Pricing,” explored key Fair Credit Reporting Act requirements—from obtaining and using consumer reports, to navigating disclosure obligations and aligning with Regulation P. Tracey provided practical tips for strengthening FCRA compliance management systems and avoiding common audit pitfalls.
Bank Administration Institute (BAI) Webinar – Board Communication Strategies That Improve Risk Management and Compliance
Heidi Wier, CMCP, presented a webinar with the Bank Administration Institute (BAI) on May 29th, 2025. The session, Board Communication Strategies That Improve Risk Management and Compliance, focused on how strong communication between compliance professionals and the board can enhance decision-making and risk oversight. Heidi explored best practices such as preparing board members with pre-read materials, delivering concise and unbiased executive summaries, using secure board portals for streamlined information sharing, and developing targeted board training.
Chicagoland Compliance Association – 2025 Fair Lending and CRA Symposium
Rebecca Escario presented on Community Credit Needs Assessments and Special Purpose Credit Programs: Evolving Solutions to Address and Mitigate Redlining Risk. Her session explored how lenders can identify credit gaps and strengthen equitable lending efforts while managing regulatory and fair lending risk.
American Bar Association (ABA) – 2025 Business Law Section Spring Meeting
Monika McCarthy moderated the Insurance Coverage 101 for In House Counsel panel at the American Bar Association Business Law Section Spring Meeting on April 25, 2025 in New Orleans. The event brought together legal and compliance professionals from across the country for a series of insightful sessions on consumer financial services, banking law, and more.
Regulation E Back to Basics: Procedures for Resolving Errors
Electronic fund transfers (EFTs) play a critical role in how consumers manage and move their money and it is important for financial institutions to have a solid process in place for resolving EFT errors. In his latest column for the May/June 2025 ABA Risk and Compliance Magazine on Regulation E, “Procedures for Resolving Errors,” John Pace breaks down the key requirements under Section 1005.11 and offers practical considerations for building an effective error resolution program. From defining what constitutes an error to meeting investigation timelines and managing provisional credit, this article is a must-read for compliance and operations professionals looking to strengthen their approach and stay aligned with regulatory expectations.
Bank Administration Institute (BAI) Webinar – Addressing Regulatory Change Management and its Impact on Policies and Procedures
Sara McGinnis presented a webinar on March 13, 2025, from 1-2 PM CT on the topic of addressing regulatory change management and its impact on policies and procedures. This free webinar was hosted by the Bank Administration Institute (BAI). Participants learned how to navigate the complex landscape of federal and state regulatory changes, assess their impact on their organizations, and implement effective strategies for compliance. Sara shared valuable insights on identifying changes, conducting risk assessments, overcoming obstacles, and updating policies and procedures.
FCRA Fundamentals – Requirements for Furnishing Accurate Information to Consumer Reporting Agencies (CRAs)
Jim Treacy’s column in the March/April issue of ABA Risk and Compliance Magazine, “Requirements for Furnishing Accurate Information to Consumer Reporting Agencies”, provides insights for financial institutions on ensuring compliance with Fair Credit Reporting Act (FCRA) requirements. Jim outlines key responsibilities for furnishers of consumer credit information, such as providing accurate reporting, investigating disputes, and investigating and resolving discrepancies. Implementing strong policies and procedures is crucial to avoid compliance pitfalls. Don’t miss this informative piece—read the full article to stay ahead of FCRA obligations and best practices.
American Bar Association (ABA) – 2025 Consumer Financial Services Committee Meeting
Rebecca Escario presented at the American Bar Association’s Consumer Financial Services Committee meeting in Denver on January 26th, 2025. Rebecca joined a panel with Tim Lambert, moderated by Ken Scott, to discuss the latest on Section 1071 – how institutions can assess potential fair lending risks through their small business data and implement compliance enhancements.
Central Florida Compliance Association (CFCA) 2025 Annual Conference
Rebecca Escario presented at the Central Florida Compliance Association (CFCA) 2025 Annual Conference on in January 2025 on the topics of fair lending and redlining. Drawing from her 30+ years of experience in compliance and fair lending, Rebecca delivered insights that helped strengthen organizational practices in these areas. Her session addressed discriminatory lending practices, offering actionable strategies for compliance professionals.
FCRA Fundamentals – Disclosure of Credit Scores and Risk-Based Pricing
The January/February 2025 issue of ABA Risk and Compliance includes a column by Tracey Levandoski titled “Disclosure of Credit Scores and Risk-Based Pricing”, part of the Fair Credit Reporting Act (FCRA) Fundamentals series. Tracey delves into FCRA requirements for financial institutions that use credit scores in mortgage loan evaluations or set consumer credit terms based on consumer reports. Tracey also covers exceptions to risk-based pricing notices, alternative disclosures options, and key compliance considerations to ensure adherence to FCRA requirements.
California MBA – 2024 MBA Legal Issues and Regulatory Compliance Conference
Monika McCarthy moderated a panel at the California MBA Legal Issues and Regulatory Compliance Conference in December 2024, in Irvine, CA. The panel focused on Enforcement, Litigation, and Fair Lending Trends, providing valuable insights into critical issues shaping the mortgage industry.
Chicagoland Compliance Association (CCA) – Let’s See Now, an Update on Reg C and Reg CC – a Primer on HMDA and Expedited Funds Availability Webinar
In December 2024, Heidi Wier and Rebecca Escario presented a webinar in collaboration with the CCA: Let’s See Now, an Update on Reg C and Reg CC – a Primer on HMDA and Expedited Funds Availability. This double-feature session explored key updates on HMDA compliance and the Expedited Funds Availability Act (Regulation CC), providing practical tips and best practices to enhance compliance efforts.
American Bankers Association (ABA) – Section 1071 Webinar
November 12, 2024 Rebecca Escario presented a webinar for the American Bankers Association (ABA) Fair Lending and UDAAP Working Group on the topic of Small Banks and Section 1071: Preparing for Small Business Data Collection and Reporting. Rebecca shared insights and strategies to help small banks navigate the small business data collection and reporting requirements under Section 1071 of the Dodd-Frank Act.
Tri State League of Financial Institutions – 2024 Annual Training Meeting
Rebecca Escario shared her insights on Fair Lending at the Tri-State League of Financial Institutions Annual Training Meeting on October 30th, 2024 at Union Savings Bank in Cincinnati, OH.
