Overdraft Program Exam Mistakes And How To Avoid Them In 2022

Dawn Kincaid Dawn Kincaid

Community banking expert Dawn Kincaid will review the regulatory guidance in detail, revealing overdraft program issues identified through consumer complaints, examinations, and enforcement actions. You will learn how to avoid similar mistakes.

Topics Covered

  • How do guidance for ad hoc and automated overdraft programs differ?
  • What is the opt-in/opt-out process required by Regulation E?
  • How can you identify the inherent rights of your overdraft program?
  • What policies and procedures should you implement?
  • What are the overdraft restrictions for employees and insiders?
  • How should you monitor accountholder activity?
  • What is the impact of UDAAP?
  • How should you market your overdraft program?
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Training Overview

Avoid overdraft program exam mistakes. Discover what regulators will focus on in 2022.

The CFPB has recognized that overdraft fees hit low-income individuals hardest and are increasing their focus on examination efforts. As you prepare for your 2022 Overdraft Program Exam, you need to understand where the scrutiny will fall.


Despite the recent communications issued by the agencies, there is confusion over which elements apply to the overdraft programs you offer. The regulators want to ensure your overdraft practices do not harm consumers. You must protect your institution from UDAAP and other regulatory violations.

  • How do guidance for ad hoc and automated overdraft programs differ?
  • What is the opt-in/opt-out process required by Regulation E?
  • How can you identify the inherent rights of your overdraft program?
  • What policies and procedures should you implement?
  • What are the overdraft restrictions for employees and insiders?
  • How should you monitor accountholder activity?
  • What is the impact of UDAAP?
  • How should you market your overdraft program?
Recommended Audience
Who Should Attend?
  • New accounts personnel
  • Branch managers
  • Deposit operations staff
  • Relationship managers
  • Operations managers
  • Operations training staff
  • Backup operations staff
  • Internal auditors
  • Compliance officers
  • Risk management staff
  • Legal counsel
  • Communications professionals
What's included
Training includes
  • Certificate of Attendance
  • All resources and training materials
Dawn Kincaid
About

Expert Presenter

Dawn Kincaid
  • Began her banking career while attending The Ohio State University
  • 20 years’ experience in client service, operations, information technology, administration, board relations, marketing, and compliance
  • Most recently, Senior Vice President of Operations for a central-Ohio-based community bank
  • Has served in the roles of compliance, BSA/AML, CRA, privacy, and security officer
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