2026 CBC Q1 Virtual Seminar

Main Subjects

01 Using the APR Software for All Loan Types

This seminar will include a discussion of the finance charge and its impact on the APR, focusing on all the “new” fees and charges that were not contemplated by Regulation Z. The Regulation Z rules have not been updated for perhaps 30 years. We started this discussion last quarter, but due to time constraints, we certainly did not cover the subject completely. We will finish this discussion this quarter. 

02  Advertising for All Product Types

We will discuss marketing of deposit products, non-deposit products, and loans. Our advertising techniques and methods have changed drastically, but the regulations have not. We will discuss how to take new technology and marketing methods and apply the old advertising rules. This topic was suggested by a CBC member. The suggestion, as well as hotline questions received, indicates that this an important topic, as there is confusion regarding these issues.

03  Third Party Risk Management

We will provide a review of the recent joint pronouncement by all the regulators concerning this subject. For many of the agencies, this is a major update, as it has been at least in some cases 15 years since their last major pronouncement on this subject. Since most banks use third parties for a variety of functions, a review of the latest guidance seems warranted.