HMDA Compliance: Navigating the “Not Applicable” Maze with Confidence
In the November/December 2025 issue of American Bankers Association’s Risk and Compliance magazine, Rebecca Escario shares insights on navigating the complexities of reporting “NA” for specific fields on your HMDA LAR. Lenders can learn how to avoid time-consuming and costly corrective resubmissions and maintain trust with regulators and the communities they serve.
CrossCheck CEO Honored with Spotlight Award from Chicagoland Compliance Association
Jim Jorgensen, CEO of CrossCheck Compliance, was honored with Chicagoland Compliance Association’s Spotlight Award. This recognition celebrates an individual’s outstanding service, dedication, and contributions in advancing the compliance industry.
Tri-State League of Financial Institutions – Navigating the Fair Lending Risk Assessment
On November 5, 2025, Rebecca Escario, CAMS will lead a training seminar for the Tri-State League of Financial Institutions on navigating the fair lending risk assessment and ensuring compliance in the current regulatory environment. She will cover the state of fair lending regulation and emerging risks, as well as guidance on assessing inherent risk, evaluating rating mitigating controls, and calculating residual risk.
Utah Bankers Association – Fall Compliance Conference
Monika McCarthy delivered a session on The Use of AI in Banking to compliance officers and banking leaders at the Utah Bankers Association Fall Compliance Conference in October 2025. In addition, John Pace, CRCM led two breakout sessions on Third-Party Risk from a Compliance Perspective.
Mid-Atlantic Compliance Conference – AI Solutions and Best Practices for the Financial Industry
Rebecca Escario, CAMS moderated a panel at the Mid-Atlantic Compliance Conference titled, Emerging AI Solutions and Best Practices for the Financial Industry, in October 2025. The session explored how cutting-edge AI technologies are transforming compliance management in financial institutions.
MBA Compliance and Risk Management Conference – Fraud Risk in Mortgage Lending
Todd Krell joined the Industry Fraud Risk – Best Practices in Residential Mortgage Lending panel, discussing emerging fraud schemes, best practices for detection and prevention, and how to build a proactive, tech-enabled fraud risk strategy. Monika McCarthy co-led the closing super session, alongside top legal and compliance specialists in September 2025.
Compliance Anchor®Webinar – Taking the First Steps in Implementing AI at Your Institution
Rebecca Escario, CAMS will be a co-presenter for the Compliance Anchor® webinar series, From Uncertainty to Compliance: Taking the First Steps in Implementing AI at Your Institution on November 12, 2025. The webinar will guide financial institution attendees through AI terminology, assumptions, possibilities, and governance requirements.
Money20/20 USA 2025 – Structuring AI for Easy Regulatory Reviews
Monika McCarthy took the stage in October 2025 at Money20/20 USA on the panel: “Audit-Ready Algorithms: Structuring AI for Easy Regulatory Reviews.” She shared key considerations 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 emphasized 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.
