On Friday May 6, Liza Warner was a presenter on the Fair and Responsible Lending and Fair Servicing Panel for the Chicagoland Compliance Association. This was a hybrid event with both in-person and virtual access. Fair lending encompasses the entire lending cycle including servicing. Liza discussed servicing activities that financial entities should be addressing within… Read more »
Florida Bankers Association (FBA) Consumer Compliance Seminar

Sara McGinnis spoke at the 35th Annual Florida Bankers Association’s Consumer Compliance Seminar which ran from April 13 – April 15 in Orlando, Florida. Sara’s topic for the General Session on Friday, April 15 was “Beyond the Basics – Meeting Board and Regulatory Expectations for all Types of Audits”. FBA applied for 20 CRCM credits… Read more »
Wisconsin Mortgage Bankers Association (WMBA)

On 4/7/22, Heidi Wier spoke at the Fourth Annual WMBA Mortgage Boot Camp. She gave an overview of the mortgage regulations you need to know as a mortgage lender and the regulator impact on the lending environment.
IBA Bank Counsel Conference

The Illinois Bankers (IBA) held its Bank Counsel Conference on December 3 in Chicago. Monika McCarthy and Justin C. Steffen, Esq., Partner, Barack Ferrazzano Financial Institutions Group co-presented a session entitled The Future of Digital Mortgages. They addressed how to choose the right partners with the right contractual provisions, balancing considerations such as data security,… Read more »
Bank Counsel Roundtable – Fair Lending

On November 30th, Heidi Wier participated with Joseph T. Lynyak III, Partner, Dorsey & Whitney LLP, in the Bank Counsel Roundtable webinar – Fair Lending Under the Biden Administration: A Reboot or Something Different? The speakers reviewed important components of a fair lending program, including recommended approaches to review an institution’s fair lending policies and… Read more »
Texas Mortgage Bankers Association Mortgage Symposium

The Texas Mortgage Bankers Association (TMBA) held its 4th Annual Mortgage Symposium on November 8th and 9th at the Renaissance Dallas at Plano Legacy West hotel. This year, the focus was on redefining company culture, including employee engagement and motivation, communicating change, training, and diversity & inclusion. Debbi Roberts was a facilitator for a discussion… Read more »
Avoiding UDAAP Pitfalls

On Tuesday, October 26th Tracey Levandoski presented a webinar for the Suncoast Bankers Compliance Association (SBCA). The topic of this webinar was Avoiding UDAAP Pitfalls: Recognizing Risk in Marketing and Advertising. Attendees learned the UDAAP considerations related to the target audience, qualifying conditions, support for claims, testimonials, language and disclosures. This webinar also covered marketing’s… Read more »
Utah Bankers Association Compliance Conference

The Utah Bankers Association hosted its Fall Compliance Conference – Unmasked from October 19-21 in Park City, Utah. This was a hybrid event. Participants chose whether to attend either in person or via Zoom. On Tuesday October 19th, Tracey Levandoski presented one session on UDAAP and one on Fair Lending for Commercial Loans. The… Read more »
Georgia Bankers Association Compliance Conference

October 20 to October 22, the Georgia Bankers Association hosted its annual Compliance Conference at the King and Prince Beach & Golf Resort in St. Simons, GA. On October 21, Jim Treacy presented Online Account Opening Compliance. This event covered the full spectrum of compliance topics and provided participants the opportunity to network, share best… Read more »
Best Practices for Monitoring Servicing Performance

On September 29, Bradley Teplin and Liza Warner presented a webinar for the American Bankers Association (ABA) – Best Practices for Monitoring Servicing Performance. This webinar helped participants be better prepared to address common regulatory and investor concerns, improve consumer complaint management, and differentiate between the unique roles of quality assurance and quality control in managing loan… Read more »
American Bar Association Business Law Section

On September 23, as part of the American Bar Association Business Law Section Annual Meeting 2021, Monika McCarthy participated on a panel – Fair Servicing Spotlight and CARES Act Challenges. This panel discussed best practices to avoid fair servicing risks, predictions for fair servicing supervision and enforcement activity, and priorities of consumer advocates in the… Read more »
Mortgage Bankers Association (MBA) – Regulatory Compliance Conference

On Tuesday September 14th, Monika McCarthy participated on a panel at the MBA’s Regulatory Compliance Conference. The panel’s topic was Working with Your Vendors to Solve Common Compliance Challenges. Attendees learned best practices for engaging with vendors to solve common compliance challenges based on scenarios presented by industry practitioners.
Compliance Management for First-Line Operations

On August 25th, Jocali Nakao, CRCM and CAMS, and Tracey Levandoski, CRCM, presented a webinar for the American Bankers Association (ABA). The topic of the webinar was Compliance Management for First-Line Operations. Called the first line of defense, the bank’s frontline and back-office operations together own compliance risk for the products it sells and services.… Read more »
Fair Lending Risks in Originations, Servicing and Small Business

On August 19, Liza Warner presented a webinar on Fair Lending Risks in Originations, Servicing and Small Business for the Chicagoland Compliance Association (CCA). The current administration and the CFPB are both focused on equity and inclusion which extends to lending activities. Banks have always been expected to provide lending related services in a fair… Read more »
Northern Illinois Compliance Association (NICA) Presentation

On Friday July 16, at the NICA July meeting, Tracey Levandoski presented – Developing a Fintech Compliance Roadmap. This presentation focused on the factors bank management should consider in selecting a fintech lending partner, and then after making the selection, how the bank can help their fintech strategic partners develop a compliance roadmap and compliance… Read more »
American Bankers Association (ABA) Servicing Webinar

On September 29, Brad Teplin and Liza Warner presented a webinar for the American Bankers Association (ABA) – Best Practices for Monitoring Servicing Performance. This webinar helped participants be better prepared to address common regulatory and investor concerns, improve consumer complaint management through analysis, trending of data, and root cause determination, and differentiate between the… Read more »
American Bankers Association (ABA) Regulatory Compliance Conference

Liza Warner participated on three different panels at the American Bankers Association’s Regulatory Compliance Conference which was held June 22-24. These panels are: 1) Fair and Responsible Lending Risks for Mortgages Part 1: Product Design, Marketing and Originations, 2) Fair and Responsible Lending Risks for Mortgages Part 2: Fair Servicing and Debt Collections, and 3)… Read more »
Central Florida Compliance Association (CFCA) HMDA Webinar

At the June 17th meeting of the Central Florida Compliance Association (CFCA), Heidi Wier presented a webinar entitled, HMDA: Keys to Successful Data Integrity.
American Bankers Association (ABA) Webinar – Avoiding UDAAP Pitfalls

On June 10, Tracey Levandoski presented a webinar for the American Bankers Association (ABA) entitled Avoiding UDAAP Pitfalls: Recognizing and Addressing Risk in Marketing and Advertising. Enforcement actions for UDAAP violations are likely to increase, and UDAAP risk should be on the minds of every bank’s marketing manager. Supervisory highlights from the CFPB include references… Read more »
Chicagoland Compliance Association (CCA) Bank-Fintech Webinar
On June 9, Tracey Levandoski presented a webinar for the Chicagoland Compliance Association (CCA). Her presentation focused on the factors bank management should consider in selecting a fintech lending partner, and then after making the selection, how the bank can help their fintech strategic partners develop a compliance roadmap and compliance infrastructure that meets the… Read more »
The Compliance-Audit Partnership – ABA Webinar


On May 20, 2021, Heidi Wier and Jim Treacy presented a webinar for the American Bankers Association (ABA). During this webinar, The Compliance-Audit Partnership, participants learned how auditors can collaborate with compliance officers to fully understand the bank’s compliance risk and develop an audit plan to best address that risk while maintaining independence as the… Read more »
Wisconsin Bankers Association Real Estate Compliance School

In March 2021, Jim Treacy taught TRID and ATR/QM for the Wisconsin Bankers Association’s Real Estate Compliance School.
Wisconsin Mortgage Bankers Association

In March 2021 Heidi Wier presented a Compliance Bootcamp for the Wisconsin Mortgage Bankers Association.
Wisconsin Bankers Association Real Estate Compliance School

In March 2021, Heidi Wier taught HMDA for the Wisconsin Bankers Association’s (WBA) Real Estate Compliance School. Heidi has been a long-standing teacher for the WBA.
HMDA: Submit With Confidence, Keys To Successful Data Integrity

On January 20, 2021 Heidi Wier presented a webinar for the Chicagoland Compliance Association (CCA) – HMDA: Submit with Confidence, Keys to Successful Data Integrity. Heidi discussed strategies for validating HMDA data prior to submission and ways to keep your HMDA data accurate going forward. The agenda included: Verifying your data Performing final reviews Understanding… Read more »
California MBA Legal Issues and Regulatory Compliance Conference

On January 12, 2021 at the California Mortgage Bankers Association’s Legal Issues and Regulatory Compliance Conference, Monika McCarthy moderated a General Counsel Roundtable. The other general counsel panelists included Ann Savage-Davis, Mountain West Financial, Inc., Lauren Ingersoll, Inspire Home Loans, Inc., Marc Ely, Paramount Residential Mortgage Group, Inc. and Philip Schild, Homebridge Financial Services, Inc.… Read more »
Mortgage Bankers Association (MBA) Regulatory Compliance Conference

At the MBA’s 2020 Regulatory Compliance Conference, Monika McCarthy co-presented with Laura LaRaia, Chief Legal Officer and General Counsel of First Guaranty Mortgage Corporation. Their presentation, Reviewing Processes for Compliance Professionals, was part of the CMCP Track and provided guidance on advertising and marketing compliance.
Utah Bankers Virtual Compliance Conference

At the Utah Bankers Virtual Compliance Conference, Liza Warner moderated the Compliance Officers Roundtable. The panel discussed hot topics that compliance officers are facing. Overall the conference offered a mixture of general and breakout sessions designed to help compliance professionals stay current with and function confidently in the rapidly changing regulatory environment.
Utah Bankers Association Compliance Conference – Fintech Compliance Session

Tracey Levandoski presented at the Utah Bankers Compliance virtual conference at one of the breakout sessions on Tuesday October 27. She addressed, Developing a Fintech Compliance Roadmap. Her presentation focused on the factors bank management should consider in selecting a fintech lending partner, and then after making the selection, how the bank can help their… Read more »
ACUMA Virtual Conference – Quality Control Panel

On September 22nd, Todd Krell participated on a quality control panel for ACUMA’s Annual Conference. The theme, “Celebrating Credit Union Mortgage Heroes”, was dedicated to all the front-line financial workers who play a vital role in making it possible to put people in homes every day, especially during the pandemic. Panelists included: Todd Krell, Managing… Read more »
Common Compliance Findings – TRID & Beyond


On July 17, Tracey Levandoski and Jim Treacy presented a webinar for the Northern California Compliance Association (NICA) about TRID, including TRID challenges, common regulatory findings and recent TRID updates.
Fair Servicing During the COVID-19 Emergency and Beyond
A part of the ABA’s Risk and Compliance Virtual Conference, July 28-30, Karen Cullen participated in an on-demand webinar regarding how servicers can manage the risk of fair lending and UDAAP concerns as they navigate through the COVID-19 national emergency and its aftermath. Karen was joined by Greg Schwager, Senior Counsel, PNC Bank. The panel… Read more »
Subprime Auto Market Webinar

On July 15, Todd Krell was a Special Guest in a subprime auto market webinar offered by the Davis & Gilbert Insolvency, Creditors’ Rights & Financial Products practice group. The focus of this webinar was on how subprime RMBS serves as a roadmap for future subprime auto ABS litigation. Davis & Gilbert speakers included Joseph… Read more »
California Mortgage Bankers Association (California MBA) Podcast

Check out the latest episode of the California MBA’s Connect podcast program. Monika McCarthy spoke with Dustin Hobbs, about her journey in the mortgage industry, how the new forbearance requirements have impacted lenders and servicers, what to look out for in the legal/regulatory space, and much more!
Common Compliance Findings – TRID and Beyond


On June 18th, Tracey Levandoski, CRCM, and Jim Treacy, CPA and Certified BSA Officer, presented a webinar for the Central Florida Compliance Association (CFCA). Both Tracey and Jim have deep compliance backgrounds in the financial services industry. For more information about membership in the CFCA, about TRID, or to obtain the recording, please e-mail Mollie… Read more »
Emerging from Quarantine: Unmasking Key Considerations for Small Dollar Lenders

On June 3rd, Debbi Roberts participated on a panel discussing initial considerations for the small dollar lending businesses as consumers re-enter the world. The issues discussed include qualifying consumers who were recently unemployed or underemployed, addressing forthcoming consumer bankruptcies and having policies and procedures in place for the future. The other panelists included Jeremy Pope… Read more »
Fair Lending Webinar – CFPB’s Focus on Redlining and Marketing Discrimination
On February 19 Karen Cullen of CrossCheck Compliance LLC and Richard Horn of Garris Horn PLLC led a one-hour webinar regarding the CFPB’s fair lending focus on redlining and marketing discrimination claims. The CFPB has noted in recent public reports that its fair lending efforts in the mortgage industry are focused on redlining and marketing discrimination. This… Read more »
MBA Webinar – Effective Internal Audit Function: The Fundamentals


On January 30, 2020 MBA Education and CrossCheck Compliance held part one of the Internal Audit webinar series. MBA webinars are complimentary to MBA members. The continuing regulatory focus by the CFPB, the GSEs, and other investors has driven the need for mortgage companies to enhance their corporate governance structures by implementing effective internal audit… Read more »
MBA Webinar – Effective Internal Audit Function: Beyond the Basics


On February 13, 2020, MBA Education and CrossCheck Compliance held part two of the Internal Audit webinar series. Building on themes in part one, we discussed how effective internal audit programs evolve over time. What does it mean to have an effective internal audit function? What is the best structure for your internal audit function?… Read more »
Chicagoland Compliance Association Event at Northern Trust

On December 6th, the Chicagoland Compliance Association (CCA) held an event at Northern Trust. The event included Legislative and HMDA Updates and a discussion of Complaint Management How-To’s. Karen Cullen presented How to Prepare Your HMDA Submission. Liza Warner, along with Donald Piattoni, Business Analytics Lead, PNC Bank, spoke about classifying complaints and key metrics… Read more »
Financial Service Centers of America (FISCA) Money Trends Conference

On Monday, October 21, Heidi Wier was a co-presenter with Allen Denson, Partner of Hudson Cook, LLP, at the FISCA Money Trends Conference in Miami, FL. Their topic was entitled: The CFPB Examination Process and Critical Compliance Issues. This workshop provided attendees with the fundamentals of compliance management systems, examination preparations, and post-examination processes.
RegList On The Ocean

November 4-6, RegList held their Fall 2019 Compliance event in Huntington Beach, CA. The two full days of content included presentations on timely and impactful topics, as well as opportunities to work alongside fellow RegListers to share knowledge and network. On Day Two, Monika McCarthy presented with Rich Horn, Managing Member, Garris Horn, on CFPB’s… Read more »
Illinois Mortgage Bankers Association (IMBA) Mortgage Market Update

On October 25th, the IMBA held its Mortgage Market Update event at the Wintrust Mortgage office in Rosemont, IL. Topics included an economic forecast, updates from Fannie Mae, a non-QM product discussion, and the impact of MI risk-based pricing on secondary and origination. Chris Ortigara moderated the non-QM panel.
Arch MI Executive Roundtable

On October 15th in Rosemont, IL, Chris Ortigara participated in the Arch MI Executive Roundtable. At this complimentary panel luncheon for Chicago-area mortgage executives, Chris addressed new regulatory requirements facing lenders. Other panelists included Bernard Nossuli, iEmergent Chief Operating Officer, Brett O’Daniell, HomeTraq Co-Founder and Laura Kay Sheely, Arch MI Account Manager. Sheely co-hosted the… Read more »
Western Bankers Association (WBA) Servicing Webinar

On November 7th Jim Shankle presented a webinar entitled – Avoiding Surprises in Mortgage Servicing. As banks face competitive challenges and increased regulatory and investor scrutiny, establishing internal monitoring systems to provide ongoing feedback on critical servicing components should be an integral part of the management structure for all loan servicers. Preventing surprises that can… Read more »
Utah Bankers Association (UBA) 2019 Fall Compliance Conference

October 23-25, 2019 in Park City, Utah This year’s annual UBA Fall Compliance Conference, named Compliance Superhero Conference, offered compliance professionals in-depth, content-rich discussions that addressed critically important topics. Tracey Levandoski, director in CrossCheck’s Regulatory Compliance and Internal Audit practices, was one of the featured speakers. Tracey presented: CMS Auditors: Superheros or Your Bank Nemesis?… Read more »
Wisconsin Mortgage Bankers Association (WMBA) Mortgage Boot Camp

November 12-13, WMBA held its Second Annual Mortgage Bootcamp. Designed for those who work in the mortgage industry, this highly recommended one-and-a half day seminar walked attendees through the mortgage loan cycle and everything they needed to know to be a stronger mortgage professional. On Day Two, Heidi Wier, managing director in CrossCheck’s Regulatory Compliance… Read more »
MBA Webinar – Fair Lending
On November 6, Karen Cullen presented a fair lending webinar for the MBA entitled: Checking the Effectiveness of Your Fair Lending Program. As of October 1, MBA webinars are complimentary to MBA members. History has taught us that the regulatory landscape is ever evolving, and strong compliance programs are able to adjust to changes when… Read more »
MBA HMDA/Fair Lending Webinar

On October 30, Heidi Wier and Karen Cullen presented a webinar for the MBA entitled: What Your HMDA Data Says About Your Fair Lending Performance. As of October 1, MBA webinars are complimentary to MBA members. In this webinar, Heidi and Karen addressed how to implement an ongoing monitoring process to ensure the integrity of… Read more »
Central Florida Compliance Association (CFCA)
On Thursday September 26th, Karen Cullen, director in CrossCheck’s Regulatory Compliance and Fair & Responsible Lending practices, presented at the CFCA’s annual meeting, held in Orlando, FL. Karen’s presentation covered how to perform a Health Check of Your Fair Lending Program – Connecting Risk Assessment and Performance Analysis. **The Full Fall 2019 Compliance Conference was… Read more »
Mortgage Bankers Association (MBA) Servicing Webinar


On Tuesday, October 1st at 2:00 ET, Jim Shankle and Chris Ortigara presented a webinar entitled Monitoring Mortgage Servicing and Avoiding Surprises. As mortgage servicers face competitive challenges and increased regulatory and investor scrutiny, management must rely on internal systems to provide ongoing feedback on critical servicing components. Establishing internal monitoring systems should be an… Read more »
Western Bankers Association (WBA) Education Summit and Regulatory Compliance Conference

On Tuesday August 27 at the WBA conference in Huntington Beach, CA, Jim Shankle, managing director, Regulatory Compliance and Internal Audit, spoke on the topic: Avoiding Surprises in Mortgage Servicing. His presentation included the challenges that mortgage servicers have had regarding compliance with CFPB servicing rules, servicing transfers, regulatory and investor quality control requirements, and… Read more »
Enterprise Risk Management for Attorneys: A How-To on Mitigating Risk

On Wednesday, August 7th, Monika McCarthy participated in the American Law Institute Continuing Education (ALI CLE) webcast/telephone seminar on Enterprise Risk Management for Attorneys: A How-To on Mitigating Risk. Participants learned how they can have a positive impact on their client’s risk management practices. This practical webcast benefited business attorneys, corporate counsel, in-house counsel, insurance… Read more »
Western Bankers Association Fair Lending Webinar
On July 31, Karen Cullen, director in the Regulatory Compliance and Fair & Responsible Lending practices, presented a webinar entitled, Health Check of Your Fair Lending Program: Connecting Risk Assessment and Performance Analysis for the Western Bankers Association. In this webinar, participants discovered how risk assessment drives the priority of performance analysis and, in… Read more »
Northern Illinois Compliance Association (NICA)
On July 19, fair lending expert, Karen Cullen spoke at NICA’s July meeting. Her presentation, Health Check: Fair Lending, addressed how to understand your fair lending risk and right size your compliance.
Central Florida Compliance Association (CFCA) Webinar

On Wednesday, July 10th, Jim Treacy presented a webinar entitled, Overdraft Programs Compliance Best Practices. Jim is a CPA and a Certified BSA Officer with over 20 years of operational, financial and compliance experience in the financial services industry.
Chicagoland Compliance Association Fair Lending and CRA Symposium
On July 26, Karen Cullen, director in the Regulatory Compliance and Fair & Responsible Lending practices, spoke about what’s next in fair lending. Her presentation covered AI and the fair lending risk associated with using models; even when one thinks there is no discretion in decision.
Iowa Mortgage Association Boot Camp

Tracey Levandoski presented What You Need to Know as a Mortgage Lender at the Iowa Mortgage Association Boot Camp held May 16-17, 2019.
MBA’s Legal Issues and Regulatory Compliance Conference

On Monday May 6th, Monika McCarthy, managing director and general counsel, participated on a panel at the MBA’s Legal Issues and Regulatory Compliance Conference. This panel was part of the Applied Compliance Track and specifically addresses UDAAP Compliance. The other panelists included Anthony (Tony) Alexis, partner at Goodwin; Michelle Rogers, partner at Buckley LLP; and… Read more »
Florida Bankers Association 34th Annual Consumer Compliance Seminar

In Orlando, FL on April 5, Monika McCarthy, managing director and general counsel, presented “Banking Ethics, Governance & Risk Mitigation Best Practices”.
ABA Intermediate Compliance School
On April 1 in Tucson, AZ, Karen Cullen, director in CrossCheck’s Regulatory Compliance and Fair & Responsible Lending practices, was a panelist at the ABA’s Spring 2019 Intermediate Compliance School. The panel addressed Compliance Hot Topics.
Wisconsin Bankers Association (WBA) Real Estate Compliance School


On March 11th, Jim Treacy, director, and Heidi Wier, managing director, taught Regulation Z, TRID and Ability to Repay. On March 15th Heidi Wier taught HMDA.
Mortgage Bankers Association’s (MBA) National Servicing Conference

On Wednesday, February 27th, Jim Shankle, managing director, participated on a panel, Quality Control for Major Operational Risk Areas, at the Mortgage Bankers Association’s National Servicing Conference. The panel identified the top operational risk areas for servicers and recommended how to ensure adequate quality control. These risk areas include vendor management, customer handling and response,… Read more »
Wisconsin Bankers Association (WBA) Mortgage Lending School

On February 19th, Heidi Wier, managing director, taught the following topics: Regulation Z, Fair Lending, HMDA, Equal Credit Opportunity Act, SAFE Act and Flood, among other topics.
Illinois Mortgage Bankers Association (IMBA) Risk Management Committee HMDA Webinar

On Thursday, Feb. 7, 2019, IMBA’s Risk Management Committee in conjunction with Neighborhood Loans and CrossCheck Compliance, offered a complimentary webinar: HMDA: Submit with Confidence, Keys to Successful Data Integrity The presenters included: Karen Cullen, Director, CrossCheck Compliance Heidi Wier, Managing Director, CrossCheck Compliance Moderator: Nathan Britsch, Executive VP, Compliance, Neighborhood Loans
California Mortgage Bankers Association (CMBA) HMDA Webinar

On Thursday, January 24th Heidi Wier, managing director, and Karen Cullen, director, presented a webinar for the California MBA’s Mortgage Quality and Compliance Committee entitled HMDA: Submit with Confidence, Keys to Successful Data Integrity. Participants learned ways to finalize their LAR submissions and handle last minute integrity issues all while not falling behind with 2019… Read more »
Chicagoland Compliance Association
HMDA: Get Answers to Your Most Pressing Questions! On December 7th in Chicago, IL, industry experts and front-line subject matter experts provided an update on HMDA related topics. Karen Cullen, director, Regulatory Compliance and Fair & Responsible Lending, spoke on HMDA Data Integrity: Importance of Systemic and Logic Reviews.
Illinois Mortgage Bankers Association (IMBA) Year-End Mortgage Market Update

On December 4th in Chicago, the IMBA presented an economic and mortgage market overview. Chris Ortigara, director, who chairs the IMBA Secondary Marketing Committee, moderated a panel which included Peter J. Taglia, senior VP, FTN Financial Capital Assets Corporation; Paul Lueken, CEO, Draper & Kramer Mortgage; Jeremy Collett, executive director, Capital Markets, Guaranteed Rate; and… Read more »
HMDA, Trust but Verify Webinar for Total Training Solutions/CU Webinars

On December 4th from 1:30 to 3:30 Central Time, Heidi Wier presented a webinar through Total Training Solutions and CU Webinars.com on the methods credit unions can use to ensure that their HMDA data is accurate. This webinar was beneficial for anyone who has responsibility for HMDA data integrity or analyzing the information to help… Read more »
California Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference

At the California MBA Legal Issues and Regulatory Compliance Conference in Newport Beach California, December 3 – 4, 2018, Monika McCarthy, managing director and general counsel, moderated the General Counsel Roundtable with the following panelists: Je Yon Jung, AmWest Funding Corp., Tom Noto, Stearns Lending, Lauren Ingersoll, Inspire Home Loans, and Ken Block, New American… Read more »
Western Bankers Association – Overdraft Programs, Compliance Best Practices


On November 29th at 9:00 pacific time, Heidi Wier and Jim Treacy presented a webinar program entitled Overdraft Programs, Compliance Best Practices. Attendees of this webinar learned the regulatory ‘requirements’ relating to overdraft programs as well as the regulatory ‘guidance’ and best practices on the topic.
Chicago Bar Association Fair Lending Presentation

On November 14th, Liza Warner, managing director, presented Preparing for Internal and External Fair Lending Audits as part of a panel on Fair Lending Enforcements, Audits, and New Frontiers to the Financial Institutions Committee. The panel included Illinois Assistant Attorney General Vijay Raghavan and John Mussman, Rimon P.C., Partner.
HMDA Data Integrity – Leveraging Technology to Ensure Your HMDA Data Is Accurate

On December 11th at 9:00 PT Heidi Wier presented a webinar for the Western Bankers Association on HMDA Data Integrity. Participants will learn how to manage HMDA risk, how leveraging technology can help increase the accuracy of HMDA data, and how to test for issues before the regulators do to avoid resubmissions.
Conference on Consumer Finance Law (CCFL)

This conference on consumer financial services law took place on November 5 and 6 at the Texas A&M School of Law in Fort Worth, Texas. Monika McCarthy, managing director and general counsel, moderated a panel on ethics for financial services lawyers with panelists Sabrina Neff, Husch Blackwell and Sanford Shatz, McGlinchey Stafford. 12 hours CLE… Read more »
Wisconsin Bankers Association (WBA) Compliance Forum
Karen Cullen, CRCM, and director in the regulatory compliance and fair & responsible lending practices, presented HMDA Rule Changes at three sessions of the WBA’s Compliance Forum – 10/30 in Stevens Point, 10/31 in the Wisconsin Dells and 11/1 in Pewaukee. With HMDA submission right around the corner, it is a good time to review… Read more »
Wisconsin Mortgage Bankers Association (WIMBA) Boot Camp
November 13-14 in Delafield, Wisconsin, the Wisconsin Mortgage Bankers Association hosted a new one-and-a-half day seminar was designed for mortgage professionals of all levels of experience who to increase their knowledge of the business and grow sales potential. On Day Two, November 14th, Karen Cullen, CRCM, director in the regulatory compliance and fair & responsible… Read more »
Western Bankers Association Webinar – Fair Lending for Commercial Lenders
On October 10th at 9:00 pacific time, Karen Cullen, director in the Regulatory Compliance and Fair Lending practices, presented a webinar for the Western Bankers on the subject of Fair Lending for Commercial Lenders. In this webinar, participants gained a better understanding of fair lending regulations, learned how to develop a risk assessment and controls,… Read more »
Chicagoland Compliance Association (CCA)

On October 4th, at the CCA’s annual conference, Jim Shankle participated on a panel, Mortgage Servicing Rules for Servicers. The panel also included Solomon Maman, Partner, Noonan Lieberman. Sharon Michnuk, Head of Consumer Risk/Risk Management, CIBC Bank was the moderator.
Western Bankers Association Regulatory Compliance Conference


On Thursday, October 4th, CrossCheck at this conference Heidi Wier, managing director, presented on HMDA Data Integrity Review – Methods for Ensuring HMDA Data Accuracy and Liza Warner, managing director, presented on Compliance Risk Assessment.
Illinois Mortgage Bankers Association (IMBA) Regulatory Update

On November 1st in Oakbrook, Illinois, Tracey Levandoski, CRCM, and a manager in the regulatory compliance and internal audit practices, presented on risk assessment at the Illinois Mortgage Bankers Association Regulatory Update.
MBA Webinar – Effective Audit Function: Beyond the Basics
This webinar, presented on September 27, is now available for purchase on the MBA’s website. The presenters discussed how effective internal audit programs evolve over time. While previous MBA internal audit webinars focused on basic elements of the program, this webinar provided more advanced information. The panel, moderated by Chris Ortigara CMB®, included CrossCheck presenters,… Read more »
Northern Illinois Compliance Association/Illinois Mortgage Bankers Association (IBA)
On September 14th, NICA, in partnership with the Illinois Bankers Association (IBA), held an informative one-day workshop. Karen Cullen, CRCM, and a director with CrossCheck Compliance, presented HMDA Follow Up (Tips and Tricks and What We Have Learned). Do you know the integrity of your HMDA data? This interactive session included a discussion of how… Read more »
American Bar Association Annual Business Law Section Meeting

On Thursday, September 13th, Monika L. McCarthy, managing director and general counsel, moderated a general counsel roundtable. This dynamic panel from banking, mortgage, and fintech companies discussed current risks they face and mitigate, their expectations and requirements for outside counsel, and best practices for in-house counsel.
HMDA Data – Trust but Verify Webinar for bank webinars.com

On August 21st Heidi Wier presented a webinar on the methods lenders can use to ensure that their HMDA data is accurate. This webinar was beneficial for anyone with responsibility for HMDA data integrity or analyzing the information to help manage fair lending risk, including senior management, compliance officers, attorneys and auditors.
Mortgage Bankers Association Regulatory Compliance Conference

On Sunday September 16th, Mike Forester, managing director, participated on the Anti-Money Laundering, Know Your Customer and Fraud panel at the MBA’s Regulatory Compliance Conference in Washington D.C. This panel was part of the Emerging Compliance Risk Track.
California Mortgage Bankers Association (California MBA) 23rd Annual Mortgage Technology and Loan Servicing Conference

Western Bankers Association Webinar – Understanding and Controlling UDAAP Compliance Risk

On August 2nd, Karen Cullen and Heidi Wier presented a webinar for the Western Bankers Association on the topic of UDAAP compliance risk. In this webinar, participants learned the best practices for incorporating UDAAP into a compliance management program, how to develop a UDAAP risk assessment and measure UDAAP risk, and how applying customer service… Read more »
Northern Illinois Compliance Association Meeting
On July 20th, Karen Cullen, director in the Regulatory Compliance and Fair Lending practices presented on Fair Lending: Strong Compliance Management and Understanding/Controlling Risk. This meeting was held at Giovanni’s in Rockford, Illinois.
Annual Consumer Financial Services Conference (CCFL)

At the Conference on Consumer Finance Law, held in Chicago, Illinois at Loyola University, Chicago School of Law May 31-June 1, 2018, Monika McCarthy, managing director and general counsel, moderated a panel on Cybersecurity.
Wisconsin Bankers Association (WBA) Lending Boot Camp

Heidi Wier, managing director, presented on Lending Compliance at the WBA’s Lending Boot Camp which was held in Madison, Wisconsin May 15-17, 2018. Her topics included fair lending, HMDA, Regulation Z, Regulation X, flood insurance, SAFE Act, Regulation B, FACTA, FCRA and UDAAP.
Wisconsin Bankers Association (WBA) Real Estate Compliance School


Heidi Wier, managing director, and Jim Treacy, director, taught at the WBA’s Real Estate Compliance School held March 13-15, 2018. Their topics included Regulation Z and HMDA, the 2018 requirements and early lessons learned.
Financial Institutions Conference (FIC)

On Tuesday, May 8, 2018, at the Sheraton Milwaukee Brookfield Hotel, Jim Treacy presented a regulatory compliance update. Jim is a CPA and a director in CrossCheck’s regulatory compliance and internal audit practices. His presentation included a discussion of the current regulatory environment and recent regulatory changes impacting banks, including the July 2017 updates to… Read more »
Texas Mortgage Bankers Association 102nd Annual Convention

On Tuesday, May 1, 2018, at the JW Marriott San Antonio Hill Country, Todd Krell, managing director, moderated a panel on fraud for the Texas Mortgage Bankers Association. During this session, the panel addressed the potential for the increase of fraud with the growth of electronic document processes.
MBA Legal Issues and Regulatory Compliance Conference
On Monday, April 30, 2018, at the MBA Legal Issues and Regulatory Compliance Conference in Los Angeles, California, Karen Cullen, director in CrossCheck’s compliance and fair & responsible lending practices was on a panel entitled Controlling the Narrative: Using Internal Data for Better Market Penetration.
Florida Bankers Association Consumer Compliance Seminar
Mollie Sudhoff, a manager in CrossCheck’s regulatory compliance and internal audit practices moderated three sessions at the 33rd Annual Consumer Compliance Seminar, April 11-13, 2018 in Orlando, Florida. The first session was the Regulator Panel: Current Examination & Enforcement Focus, Findings & Expectations”. The second was the “Florida Attorney Panel Potpourri: ADA, Collections, Florida TCPA,… Read more »
Wisconsin Bankers Association (WBA) Residential Lending School

Heidi Wier, managing director, taught compliance for residential mortgage lenders at the WBA’s Mortgage Lending School on February 20, 2018. The topics she covered included ECOA (Regulation B), TILA/RESPA (Regulation Z), Ability to Repay and Qualified Mortgages, Fair Lending, HMDA (Regulation C) and the SAFE Act. Students gained the knowledge they need to be successful… Read more »
California MBA Legal Issues and Regulatory Compliance Conference 2017

Monika McCarthy, managing director and general gounsel, moderated the General Counsel Roundtable at this conference which was held on December 4 and 5 in Irvine, California.
Wisconsin Bankers Association (WBA) – Deposit Compliance Alumni Update Seminar

On November 8th, Jim Treacy, director, addressed the Regulation CC changes. This seminar was geared specifically towards compliance officers.
Wisconsin Bankers Association (WBA) Compliance Forum 2017

Heidi Wier, managing director, presented HMDA – The Recent Finalized Amendments. The Forum was held October 31, November 1 and November 2 at different locations in Wisconsin.
Wisconsin Bankers Association (WBA) Real Estate Compliance School 2017


Heidi Wier, managing director, and Jim Treacy, director, taught a class on Reg Z and TRID, and Heidi also taught a class on HMDA, at the WBA’s Real Estate Compliance School on September 27th and 28th at the Wintergreen Resort & Conference Center in the Wisconsin Dells. This school was designed to provide attendees with… Read more »
Compliance Essentials/CMCP Interactive Session: Common Help Desk and Operational Questions for Compliance Officers

On Sunday September 17th at the MBA’s Regulatory Compliance Conference, Monika McCarthy, managing director & general counsel, spoke, along with H. Burton Embry, executive vice president & chief compliance officer, Primary Residential Mortgage, Inc. This interactive session provided participants an opportunity to solve compliance problems and identify the tools and methods for solutions.
Northern Illinois Compliance Association (NICA) 2017 Workshop

Jim Treacy, director, presented Final TRID and Mortgage Servicing Clarifications on Friday, September 8th at the NICA workshop. Jim “clarified” the clarifications and technical amendments on the final TRID rule issued by the CFPB July 7th. He also discussed the impact of the final rules issued by the CFPB on August 4, 2016 amending certain… Read more »
California Mortgage Bankers Association (California MBA) Western States Loan Servicing and Technology Conference

Jim Shankle, managing director in the Regulatory Compliance and Internal Audit practices, spoke on the servicing compliance panel at this conference which took place August 6-8th in San Diego, CA. Servicing related articles can be found in the Related Resources section of Regulatory Compliance.