C O M P L I A N C E T R A I N I N G S I M P L I F I E D

OUR NEWCOURSE CATALOG

simplifies assigningtraining and alignswith new mortgage

regulations.TABLE OFCONTENTS

HUMAN RESOURCES ISSUES

LENDING LAWS AND REGULATIONS

FINANCIAL INSTITUTION ACTIVITIES

CORPORATE COMPLIANCE LAWS AND REGULATIONS

BSA / ANTI-MONEY LAUNDERING LAWS AND REGULATIONS

FINANCIAL PRODUCTS AND SERVICES LAWS & REGULATIONS

115 S. LASALLE STREET, SUITE 3300 CHICAGO, IL 60603-3801 • LEARNBAI.ORG

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COMPLIANCE TRAINING SIMPLIFIED

BAI has over 90 years of experience in the financial services industry and is trusted by morethan 1,700 institutions and multiple federal regulatory agencies to provide the mostup-to-date and comprehensive compliance training. Our trusted training solutions aredeveloped by compliance experts, delivered through the easy-to-use BAI Learning Managerand supported by a team dedicated to helping your mortgage institution achieve its traininggoals.

BAI Learning & Development offers all the tools and resources your mortgage institutionneeds to successfully navigate the latest regulatory compliance challenges.

LEARNINGMANAGER SYSTEM

Aassign and track employee training

Automate reminders and reports

Modify or design your own courses

MORTGAGE SERIESCOURSEWARE

CUSTOMER ANDTECHNICAL SUPPORT

Over 100 interactive, up-to-date, onlinecoursesDeveloped by a team of regulatorycompliance experts, including CRCMsand CRPs

Mortgage lender specific courses: RegZ, Fair Lending, RESPA

A BAI specialist will assist in creatingand implementing your training

A dedicated Relationship Managerensures your program evolves with yourtraining needs

Customer Support Services providesongoing technical support

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BAI customers enjoy complimentary access to L&D Connect®, an online customer communityconnecting peers from more than 1,700 BAI customer organizations. Our webinars,whitepapers and regulatory alerts keep you informed of the latest compliance changesaffecting mortgage lenders.

DISCUSSION FORUMS

Where peers in the complianceindustry can connect to one

another and share ideas

WEBINARS & WHITEPAPERS

Addressing hot topics in regulatorycompliance and training REGULATORY ALERTS

Ensure you are aware of newregulatory announcements and key

dates

EXPERT OPINION SERVICE

Receive direct feedback whensubmitting compliance questions

or challenges to our experts

ALSO AVAILABLE: PROFESSIONAL SKILLS

130+ courses to enhance employees’ soft skills

Topics range from business communication to customer relationship management and more

Courseware furthers employee professional development

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HUMAN RESOURCESISSUES

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Customer Service

20051MKey Essentials of Customer Service60 minute tutorialExceptional customer service means not only satisfying your customers' needs, but exceeding theirexpectations. In this course, intended for all customer contact personnel, you will learn the importance ofexceptional customer service, the role of attitude in customer service, the importance of positive bodylanguage, and the role of communication including listening and sending clear messages.

Workplace Violence

20112MWorkplace Violence: Warning Signs and Prevention30 minute tutorialThis course, intended for all audiences, addresses the potential for workplace violence, the impact of violencein the workplace, signs of potential violence and strategies against it, and how to respond in an emergencysituation.

Sexual Harassment / Discrimination

20115MSexual Harassment: Definition and Prevention30 minute tutorialThis course, recommended for all employees, defines the different kinds of sexual harassment, describes whocan be perpetrators and victims of harassment, and identifies steps that employees and management can taketo ensure a harassment-free workplace.

Disaster Recovery

20165MPandemic Planning30 minute tutorialIn this course, designed for management personnel responsible for designing disaster preparation plans, userswill explore the issues involved with designing a pandemic plan including describing the purpose of pandemicpreparation, summarizing the issues that need to be considered when developing your financial institution’spandemic plan, and identifying potential obstacles to implementing your financial institution’s pandemic plan.

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Diversity

20203MDiversity: Valuing Differences30 minute tutorialYour workforce represents different cultures, genders, and lifestyles — all factors of diversity. Use this course,appropriate for all employees, to identify the advantages of having a diverse workforce, better understandpeople from different backgrounds, overcome stereotypes and discover how to create an atmosphere ofinclusiveness.

Telephone Skills

20321MTelephone Techniques for Customer Interactions60 minute tutorialThis course, recommended for all employees, will help you understand why telephone communications can beso challenging and presents some potential barriers inherent to telephone communication. In addition, thiscourse gives the definition of listening, the five stages of the communication process, how to effectively answerbusiness calls, effective and courteous ways to place callers on hold, steps to follow to minimize call escalation,and the process for breaking up complex calls.

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LENDING LAWS ANDREGULATIONS

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Flood Disaster Protection Act

20011LSMFlood Insurance for Loan Servicers30 minute tutorialThis course, recommended for loan servicing personnel, is an overview of the FDPA and covers the followingtopics: the purpose of the FDPA, how to comply with the FDPA, special situations, fees, and violation penalties.

20011MRMR: Complying With The Flood Disaster Protection Act30 minute tutorial | CRCM | 0.75This course, recommended for mortgage lenders, is an overview of the FDPA, and covers the following topics:the purpose of the FDPA, how to comply with the FDPA, special situations, fees and violation penalties.

20011MLMFlood Insurance for Mortgage Loan Originators30 minute tutorialThis course, recommended for mortgage loan originators, is an overview of the FDPA and covers the followingtopics: the purpose of the FDPA, how to comply with the FDPA, special situations, fees, and violation penalties.

Regulation B

20026MReg B: An Overview30 minute tutorial | CRCM | CLBB | 0.75This course, recommended for new hires and loan personnel, provides a better understanding of prohibiteddiscrimination, loans that apply to Reg B, and types of lenders who must comply with this regulation.

20027MReg B: Nine Prohibited Discrimination Factors60 minute tutorial | CRCM | CLBB | 2.00This course, recommended for loan personnel, teaches ways to identify the definition of discrimination as itpertains to Reg B and the financial industry, and recognize the nine types of discrimination described underReg B.

20028MReg B: Prescreening, Cosigners, and Disparate Treatment45 minute tutorial | CRCM | CLBB | 1.25In this course, recommended for all personnel involved in providing loan applications, students will recognizeviolations regarding prescreening, the definition of cosigners, and recognition of properly secured loans;comprehension of disparate treatment on a prohibited basis and the effects test will also be covered.

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20029MReg B: Notification Requirements30 minute tutorial | CRCM | CLBB | 0.75This course, recommended for loan personnel, will teach about the notification process, counteroffers andwhen they should be made, what constitutes a loan application and a withdrawn application, and the steps totake when information is missing.

20030MReg B: Credit and Loan Handling30 minute tutorial | CRCM | CLBB | 1.25This course, recommended for loan personnel, addresses how Reg B affects consumers and small and largebusiness loans, what information must be gathered for eligibility, when it’s appropriate to gather creditinformation on a spouse, and the requirements for providing copies of an appraisal.

Regulation Z

20039MReg Z: Purpose and Application75 minute tutorialIn this course, intended for all mortgage lending personnel, you will learn how to define the purpose of Reg Z,recognize when and where Reg Z applies, identify the penalties that occur from failure to comply with Reg Z,determine the difference between open-end and closed-end loans, identify key requirements of Reg Z,understand the requirements regarding the transfer of mortgage loans, and recognize Reg Z's rules regardingadvertising.

20040MReg Z: Closed-End Credit Disclosures120 minute tutorialIn this course, intended for all lending personnel, you will learn how to identify the Annual Percentage Rate andthe disclosure rules relating to it, recognize the finance charge and the corresponding disclosure rules, identifythe amount financed and the appropriate disclosures, and recognize what other disclosures exist and the rulesthat pertain to them.

20041MReg Z: Open-End Credit Disclosures90 minute tutorialIn this course, intended for all lending personnel, you will learn to identify what information must be included indisclosures and what open-end credit disclosures are, indicate what comprises Annual Percentage Ratedisclosures, determine the information required in new loan disclosures, and recognize what information isincluded in periodic statement disclosures.

20332MRML: Complying With Regulation Z60 minute tutorialUpon completion of this course, recommended for mortgage lending personnel, students will be able toidentify the background and purpose of Reg Z, indicate the key elements of a disclosure statement, anddetermine when disclosures are required.

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20500MReg Z: HPMLs and The Escrow Rule30 minute tutorial | CRCM | CFMP | 0.75This course, intended for mortgage lenders and anyone else associated with mortgage servicing, examines thecriteria that makes up a HPML, the escrow requirements for HPMLs, and exemptions from these escrowrequirements.

20501MReg Z: An Overview45 minute tutorial | CRCM | CFMP | 1.00This course, recommended for all employees who need a general knowledge of Regulation Z, addresses whichloans fall under Regulation Z, which fees and charges apply to real estate loans, how to locate resources fordetermining APR and the timeframes and disclosures relevant to the regulation.

20502MReg Z: Adjustable-Rate Mortgages45 minute tutorialThis course, intended for mortgage lenders and employees involved in mortgage lending, will help students tounderstand and apply the requirements of Adjustable Rate Mortgages (ARMs), understand the differences inARM loan types, identify necessary ARM disclosures, and understand rules regarding the advertisement of ARMloans.

20503MReg Z: Right of Rescission45 minute tutorial | CRCM | CFMP | 1.00This course, intended for mortgage lenders and employees involved in mortgage lending, addresses thetiming, loan type and notification requirements of the right of rescission, and how to apply the right ofrescission to liens, funds and waivers.

20504MReg Z: Section 32 (HOEPA) Loans60 minute tutorial | CRCM | CFMP | 1.25This course, intended for all loan personnel, examines the distinguishing features of HOEPA loans, includingcompliance criteria that must be considered when dealing with HOEPA loans, limitations and prohibitions inplace when servicing HOEPA loans, and how the Ability to Repay rules apply to HOEPA.

20505MReg Z: Reverse Mortgages30 minute tutorial | CRCM | CFMP | 0.75In this course, intended for all lending personnel, you'll learn to identify provisions for reverse mortgages,recognize and apply consumer impact, and review and utilize disclosures required under Reg Z for reversemortgages.

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20506MReg Z: Ability-to-Repay and Qualified Mortgages60 minute tutorial | CRCM | CFMP | 1.25This course, intended for mortgage lenders and employees involved in mortgage lending, addresses thedocumentation requirements for the Ability-to-Repay rule, differences in Qualified Mortgages, howdebt-to-income ratios affect ATR and QMs, prepayment penalties and record retention requirements.

20507MReg Z: Appendix Q75 minute tutorial | CRCM | 1.50In this course, intended for mortgage loan underwriters, you will learn how to use a borrower’s income taxreturns to determine consumer mortgage loan eligibility for a Qualified Mortgage.

20510MIntroduction to the Integrated Disclosure Rule45 minute tutorial | CRCM | 1.00 This course, intended for mortgage lenders and employees involved in the mortgage lending process,identifies and explains the key features of the new requirements and prohibitions of the TILA-RESPA IntegratedDisclosure Rule, effective October 3, 2015.

FCRA and the FACT Act

20055MFCRA: An Overview30 minute tutorialIn this course, intended for lending personnel, human resources personnel, and loss control and investigativepersonnel, you will learn why the FCRA exists, permissible uses of credit reports, and the process forenforcement of the FCRA.

20056MFCRA: Credit Reporting Regulations60 minute tutorial | CRCM | CLBB | 1.25In this course, intended for all lending personnel, human resources personnel, and loss control and investigativepersonnel, you will learn key definitions and rules that affect the Fair Credit Reporting Act, the timelines for howlong certain contents may appear inside a consumer report, where an alert may need to be added to aconsumer report, proper procedures that apply to agencies and financial institutions when assisting consumerswith a consumer report request, distribution, or dispute, when notices for adverse actions, risk-based pricing,and opt-in/out should be sent to consumers, and the FCRA's enforcement agencies and penalties fornoncompliance.

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20116MThe FACT Act: Rules and Implications60 minute tutorial | CRCM | 1.25Upon completion of this course, intended for all lending personnel, human resources personnel, and losscontrol and investigative personnel, learners will be able to recognize and apply identity theft provisions,identify how the FACT Act can empower consumers to protect their credit reports and control the use of theirinformation, and apply new standards of preserving the accuracy and integrity of consumer reportinginformation.

20401MFCRA and FACT Act Game Show45 minute tutorialUse this game show course to liven up FCRA and FACT Act training! Specially built for the classroom setting,this Jeopardy-like course was developed to test employee knowledge regarding all facets of FCRA and FACTAct compliance, with categories such as Identity Theft, Protecting Consumers, Notifications and Disclosures,Consumer Reporting Timelines, and Accuracy and Integrity. This course also includes an instructional guide forthe host to help conduct the classroom session, and printable score sheets for students. With questions thatutilize applicable employee scenarios, as well as standard procedures, your students will be excited aboutFCRA and FACT Act compliance and daily customer interactions!

Fair Lending

20072MFair Lending: Basic Topics and Terms45 minute tutorial | CRCM | CLBB | 1.25This course, intended for lending personnel, individuals who receive or give loan applications, and compliancepersonnel, addresses how to apply fair lending laws and regulations on the job, including the Equal CreditOpportunity Act and the Fair Housing Act. The course also examines different types of discrimination, whatyour institution can do to prevent discrimination, and the reputational risk impact of fair lending violations.

20073MFair Lending: Implementation, Monitoring, and Review90 minute tutorial | CRCM | CLBB | 2.00In this course, intended for lending management, management, senior management, legal, and compliance,you will learn how implementing a fair lending program improves compliance. The course addresses all of theteams, policies, and procedures that are involved in a fair lending performance review, the components of a fairlending monitoring system to evaluate day-to-day activities, how regulators measure enforcement penalties inthe event of a violation, and the reputational risk impact of a fair lending violation.

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Appraisals

20079MAppraisal Requirements: How to Comply60 minute tutorial | CRCM | CLBB | 0.75This course, intended for lending personnel, any personnel who deal with appraisals or appraisers, andappraisers themselves, addresses how to define appraisals and associated terms, the standards andrequirements that institutions must follow, when appraisals are and are not required, who may conductappraisals and evaluations, what evaluations are, when they may be used, and the requirements for suchevaluations, and the standards of an appraisal and evaluation management program.

Servicemember's Civil Relief Act

20084MServicemember Issues30 minute tutorial | CRCM | CFMP | 0.75In this course, intended for loan personnel, you will learn why the Servicemembers’ Civil Relief Act was createdand who it covers, how to handle existing loans, and how to comply with the Act.

Home Equity Loans

20093MLending: Home Equity Loans60 minute tutorialIn this course, intended for all lending personnel, addresses the reasons home equity loans are so popular, thedifferent features of home equity loans, ways to better comply with regulations related to lending, theinformation to gather from a potential customer, and how to make well-informed loan decisions.

20123MAdvertising: Home Equity Loans and Lines of Credit60 minute tutorialMake sure your institution’s advertising and promotional efforts meet compliance standards for this popularconsumer product by learning about home equity lending products and the associated compliance issues. Thiscourse, intended for employees who are involved with home equity marketing, outlines the Truth in LendingAct's unique requirements for marketing home equity loans and HELOCs, and identifies the triggering termsthat require additional disclosures.

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Basic Consumer Lending

20094MLending: Analyzing Personal Tax Returns60 minute tutorialThis course, intended for lending personnel, addresses when to use the tax return and its importance to thelender. It also examines the significant parties involved in the tax return, how to use the tax return to identifyincome sources, major expenses, and potential liabilities and risks, how to use the tax return to verifyinformation obtained from other credit sources, especially the personal financial statement and loanapplication, and the supporting tax schedules and what each covers.

20095MLending: Analyzing Personal Financial Statements120 minute tutorialIn this course, intended for loan officers, loan auditors, credit analysts, and anyone involved in the loan process,you will learn how to identify all parts of a personal financial statement; determine the value, ownership, andcontrol of the most common assets; recognize how to analyze an applicant's cash flow; and identify any specialrisks facing the applicant.

20302MConsumer Lending Basics120 minute tutorialThis course will introduce supervisors and loan officers to the types of consumer loans and how financialinstitutions reach a lending decision. Key topics include the advantages that different kinds of consumer loansoffer consumers, the different consumer loan classifications, the consumer loan process, and the regulationsthat affect consumer lending.

20317MUnderwriting Consumer Loans120 minute tutorialThis course, designed for lending personnel, discusses the four "Cs" of credit and the three primary sources ofcredit verification. It also outlines three basic sources of collateral verification and the most importantcharacteristics to analyze when making the credit decision. Finally, it describes credit scoring systems and howthey are used, and describes events that trigger the notification requirements of the ECOA.

20319MServicing Consumer Loans120 minute tutorial | CRCM | 2.00This course is designed for lenders and others who need an in-depth understanding of the consumer loanservicing function. This course covers security interest and perfection, the ways in which a lender maintainssecurity interest in collateral, how a lender releases its security interest when a loan is paid off, the three mainloan payment systems, a lender's reporting requirements, the activities involved in servicing indirect loans andcredit cards, and how to handle customer inquiries.

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20325MConsumer Loan Collections150 minute tutorialThis course, recommended for lenders, describes which factors affect delinquency rates for consumers. It alsoidentifies delinquent borrowers and outlines the components of an effective collection policy, as well as thesteps in preliminary collection procedures. In addition, it explains the provisions of the Fair Collection PracticesAct, various collection methods, and remedial payment techniques.

Loan Documentation

20097MLoan Documentation: The Basics120 minute tutorialThis course, intended for loan officers, loan auditors, credit analysts, loan secretaries, and anyone involved inlending, addresses how to identify the borrower and signers of loans, the components of promissory notes, andattributes of loan agreements.

20098MLoan Documentation: Ensuring Your Right to Collateral120 minute tutorialThis course, intended for loan officers, loan auditors, credit analysts, loan secretaries, and anyone involved inlending, examines types of collateral, ownership of collateral, ways to establish your rights to collateral, how toprotect your rights from other creditors, and how to successfully compile supporting documents.

20303MDocument Preparation and Consumer Loan Closing90 minute tutorialThis course, designed for loan officers and their supervisors, discusses the basic elements of the promissorynote, Truth in Lending disclosures, the forms necessary for perfecting a security interest, the differencesbetween first and junior mortgage instruments, the purpose of loan closing activities, and three ways ofdisbursing loan proceeds.

Cash Flow Analysis

20100MCash Flow Analysis: Introduction and Accounting Review90 minute tutorialThis course, intended for lenders, loan trainees, loan analysts, and any personnel dealing with balance sheetsand income statements, addresses the basics of commercial lending, the definition of cash flow, the importanceof cash flow analysis, the differences between cash-based and accrual-based accounting, and financialaccounting skills.

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20101MCash Flow Analysis: Constructing the Cash Flow Statement90 minute tutorialIn this course, intended for all credit analysts and loan personnel of financial institutions, especially loantrainees, loan analysts, and experienced lenders, you will learn how to work with accrual-based financialstatements, the basic mechanics of cash flow analysis, how to construct a cash flow statement, and how to applycash flow analysis.

20102MCash Flow Analysis: Interpreting the Cash Flow Statement90 minute tutorialIn this course, intended for all credit analysts and loan personnel of financial institutions, especially loantrainees, loan analysts, and experienced lenders, you will learn the five key checkpoints for interpreting the cashflow statement, how to analyze specific sources and uses of cash, how to use your cash flow analysis worksheetto make better loan decisions, and how this process works with a cash flow statement.

Financial Accounting

20103MFinancial Accounting: Understanding the Accounting Cycle120 minute tutorialAs a lender, you use financial statements to gauge a company's creditworthiness and its ability to repay a loan.In this course, intended for trainees, lenders, and managers, you will learn how to recognize the role ofaccounting in business, determine the general framework of the accounting process, demonstrate the basicaccounting equation and expand that equation, and identify the importance of internal control.

20104MFinancial Accounting: The Basic Financial Statements120 minute tutorialThis course, intended for all credit analysts and loan personnel of financial institutions, especially trainees,lenders, and managers, examines the differences between cash-based and accrual-based accounting, how tomake adjusting and closing entries to accounts, the income statement and the balance sheet, and whatcomprises the accountant's opinion letter and footnotes to the financial statements.

20105MFinancial Accounting: GAAP and Asset Recognition120 minute tutorialThis course, intended for lenders and managers, addresses the basics of Generally Accepted AccountingPrinciples (GAAP), when and how much revenue or expenses are recognized on the income statement, and howaccounting methods relate to major current and noncurrent assets on the balance sheet.

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20106MFinancial Accounting: GAAP, Liabilities and Stockholders' Equity150 minute tutorialThis course, intended for all credit analysts and loan personnel of financial institutions, especially trainees,lenders, and managers, will help you to recognize the basics of Generally Accepted Accounting Principles(GAAP), when and how to account for the major current and long-term liabilities on the balance sheet, how toaccount for changes in stockholders' (owners') equity, and the limitations of a financial statement.

Predatory Lending

20109MPredatory Lending Awareness30 minute tutorial | CLBB | 0.75This course, intended for all lending personnel, will help you to differentiate between good subprime lendingand predatory lending, determine the risks predatory lending poses to financial institutions, recognize how tohelp your financial institution avoid predatory lending, and identify the most common predatory lendingpractices.

FDCPA

20117MFair Debt Collection Practices Act30 minute tutorial | CRCM | CLBB | 0.75This course, designed for lending personnel, provides a firm understanding of the purpose of the FDCPA andaddresses which behaviors are deemed acceptable and unacceptable by debt collectors.

Deceptive / Abusive Practices

20208MElder Financial Abuse: Detection and Prevention30 minute tutorialThis 30-minute course, intended for all employees, addresses some of the more common scams that occur atfinancial institutions, what "red flags" to look for, and how to most effectively handle a situation in which anelderly customer is being victimized. The course also includes audio and customer-facing scenarios.Experienced learners can expect to spend 10 minutes in the course while inexperienced learners will spend 30minutes in the course.

20215MReg AA: The Credit Practices Rule30 minute tutorialAfter completing this brief tutorial, lenders will have a solid working knowledge of the four prohibited contractprovisions, know when and how to notify cosigners of the nature and extent of their liability, and recognizeprohibited charges, such as the "pyramiding" of late fees.

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20380MUDAAP: An Overview60 minute tutorial | CRCM | 1.00This course, recommended for any employees who deal with consumers, will explore what it means to be“abusive”, possible acts or practices that would now be considered abusive under this new standard, and stepsyou can take now to minimize your UDAAP risk.

20381MUDAAP: Regulation Between the Cracks30 minute tutorial | CRCM | 0.75This course, recommended for management personnel, looks at existing enforcement UDAAP actions, and howfinancial institutions may make inferences from these actions as to what might pose UDAAP risks.

Mortgage Lending

20320MUnderwriting Residential Mortgage Loans60 minute tutorialThis course, recommended for lending personnel, is designed to provide the general guidelines of theunderwriting process. Upon completing this course, the learner will be able to recognize the laws that affectunderwriting, determine how the secondary mortgage market affects the availability of funds for mortgageloans, identify the process for underwriting mortgage loans, and recognize the role that technology plays inunderwriting mortgage loans.

20333MLaws and Regulations for Mortgage Lending45 minute tutorial | CRCM | 1.00Upon completion of this course, recommended for mortgage lenders, learners will be able to identify thehistory and purpose of major laws and regulations which concern residential mortgage lending. Learners willalso be able to recognize lender requirements and best practices when providing disclosures and notification toapplicants.

20334MBasics of Residential Mortgage Loans60 minute tutorial | CRCM | 1.25This course, recommended for mortgage lenders, introduces employees to basic principles and terms found inresidential mortgage lending. It outlines the initial steps of the mortgage process and provides information onthe categories of residential mortgage loans, such as government-insured loans and conventional mortgageloans. It also defines the different types of mortgage loan products and key mortgage documents likemortgages, deeds of trust, promissory notes, loan applications, and disclosures. Learners will also discover thevarious costs associated with purchasing a home and obtaining a residential mortgage loan, as well as how todo necessary calculations and determine amortization amounts.

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20335MThe Mortgage Lending Process60 minute tutorialUpon completion of this course, recommended for all mortgage lending personnel, employees will be able toidentify key features of a loan application and determine which types of documentation must be collected afteran application is received. Also, employees will learn the two parts of the underwriting process, including howto calculate the Debt-to-Income ratio. Rounding out the last steps of the mortgage lending process, employeeswill learn proper loan closing procedures and recognize a lender’s responsibilities for loan servicing.

20371MBefore You Foreclose45 minute tutorialThis course, recommended for mortgage lenders and other employees involved in the foreclosure process,describes the responsibilities your institution will have as a property owner and enables you to conduct a properfile review in order to preempt legal objections from the borrower.

20372MHelping Borrowers Avoid Scams During Foreclosure45 minute tutorialThis course, recommended for mortgage lenders and other employees involved in the foreclosure process, isdesigned to provide you with information on the various foreclosure scams that borrowers facing foreclosureface, and the ways in which you can help them avoid the scam artists who prey on their vulnerabilities.

20373MAssessing Your Mortgage Loan Foreclosure Process30 minute tutorialThis course, recommended for mortgage lenders and other employees involved in the foreclosure process, willexplain the importance of self-assessments, examine the six foreclosure management standards identified bythe OCC that your financial institutions should include in its self-assessment, and identify some of the key issuesinvolved with third-party vendors.

RESPA

20329MRML: Complying with the Real Estate Settlement Procedures Act30 minute tutorial | CRCM | 1.25This course, recommended for lending personnel, provides an overview of the Real Estate SettlementProcedures Act. After describing the purpose of RESPA, it outlines the procedures that lenders must follow andthe information that lenders must provide to applicants. It also provides examples of common RESPA violationsand types of mortgages that are exempt from RESPA.

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20330MRESPA: An Introduction and Applicability15 minute tutorialThis RESPA course, recommended for loan personnel, provides a quick introduction to RESPA. It explains whenRESPA applies to a loan and outlines the exceptions to RESPA's coverage.

20331MRESPA: Key Disclosures and Procedures45 minute tutorial | CRCM | 1.25This course, recommended for loan application personnel, discusses key disclosures required by RESPA. Itprovides the details and purpose of the Good Faith Estimate (GFE), demonstrates how to use the SettlementCosts Booklet, and outlines how to prepare the HUD-1/1A. It also outlines additional disclosures andrequirements under RESPA. This course also provides information on the upcoming changes to the upcomingchanges to the RESPA disclosures that will take effect August 1, 2015.

20509MRESPA: Mortgage Loan Servicing90 minute tutorialThis course, intended for mortgage loan servicers and supervisors, explains the RESPA and Regulation Z rulesthat pertain to loan servicing, including force-placed insurance, error resolution, loss mitigation procedures, andpayments and periodic statements.

Marketing

20339MMarketing: Understanding the Regulations90 minute tutorialThis course, intended for marketing personnel and management, addresses the basics of advertising;requirements for signage and solicitations in the lobby, by telephone, by electronic means, and by direct mail;provisions for triggering terms; rules that affect lending and credit card advertisements; and consumerprotection rules, such as FCRA and UDAAP.

SAFE Act

20340MSAFE Act: Required Policy and Procedure60 minute tutorial | CRCM | 1.00This course, recommended for mortgage lending staff and compliance officers, addresses the purpose of theSAFE Act and what it requires of MLOs and financial institutions, and the registration and renewal steps forMLOs.

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Mortgage Fraud

20350MDetecting Mortgage Fraud: The Red Flags60 minute tutorial | CRCM | 1.25Designed especially for lending and compliance personnel, this course will educate these staff members onhow to prevent mortgage fraud through the recognition of red flags. In addition, learners will be able to identifycommon mortgage fraud schemes and mechanisms used for fraud.

HMDA

20390MHMDA: Basic Information30 minute tutorial | CRCM | 1.00This course, recommended for mortgage loan personnel, looks at the basic issues surrounding HMDA,including the rationale for the law, how to determine whether HMDA affects your financial institution, and thekinds of information covered financial institutions must collect.

20391MHMDA: Basic Compliance30 minute tutorial | CRCM | 1.25This course, recommended for mortgage lending personnel, focuses on compliance issues surrounding theHome Mortgage Disclosure Act (HMDA). Specifically, it lists the information that institutions must collect,describes the procedure to complete the Loan Application Register, and details the information that institutionsmust make public.

20392MHMDA: Loan Application Scenarios30 minute tutorial | CRCM | 1.00In this interactive course, intended mortgage lending staff, especially those responsible for filling out the LoanApplication Register (LAR), learners will apply their HMDA training by examining four different hypotheticalsituations that an MLO might face and use this information in completing a mock LAR.

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FINANCIAL INSTITUTIONACTIVITIES

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Telephone Skills

20120MCustomer Service: Telephone Excellence30 minute tutorialThis course, designed for all employees who interact directly with customers, illustrates the importance ofdeveloping effective telephone skills and covers the following: components of the message we communicateon the telephone, the model for an effective telephone exchange, general telephone activities, and techniquesfor handling difficult calls.

Business Writing

20323MWriting Skills for Bankers150 minute tutorialWriting clearly and effectively is a skill all financial institution employees must possess. Students using thisprogram will enhance their ability to write by learning to identify the reader’s needs; to approach writing as amulti-stage process; and to write in the informational, persuasive, reporting, and documenting modes.

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CORPORATECOMPLIANCE LAWSAND REGULATIONS

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Ethics

20202LENMEthics: Policy and Personal Judgment for Lenders30 minute tutorialEthics violations always command a media spotlight. Learn why ethical policies exist and how to judgeindividual circumstances to determine the best course of action to follow. This course, tailored to lenders, alsoprovides a review of the Bank Bribery Act, several real-life, scenarios and an easily remembered "UltimateEthical Test.

Records Retention

20349MFederal Records Retention Requirements for Banks60 minute tutorial | CRCM | CSOP | 0.75This course serves as your one-stop shop for understanding federal records retention requirements. Uponcompletion of this course, recommended for management, learners will recognize when records must beretained, the duration of retention, and exactly which types of documentation must be retained. They will alsounderstand the required elements and key players of a records management program.

Vendor Management

20375MVendor Management45 minute tutorial | CRCM | CSOP | 0.75Vendors are a valuable asset to financial institutions, but they are not without risk. This course, recommendedfor employees who have contact with third-party vendors, defines vendors and the types of services theyprovide. It also outlines the procedures for designing a request for proposal and contract, and it describes thetypes of risks associated with vendors.

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BSA / ANTI-MONEYLAUNDERING LAWSAND REGULATIONS

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The Bank Secrecy Act and Anti Money Laundering

20004MBSA: Exemptions and Customer Identification30 minute tutorialThis course, recommended for frontline employees, BSA officers, compliance officers, and appropriate auditstaff, covers the Bank Secrecy Act as it relates to the exemption system and the Customer IdentificationProgram. Employees will learn what the exemption system is and why it exists, what procedures must befollowed with exempt accounts, which businesses may never be exempt as well as why it is so crucial toproperly identify customers.

20204LENMBSA: Responsibilities for Lenders30 minute tutorialLenders can play a crucial role in BSA requirements because of their customer contact and knowledge ofcustomer transactions. Become familiar with the appropriate sections of BSA, learn how to identify and reportsuspicious activity, and familiarize yourself with the penalties for violating the Bank Secrecy Act.

20206MBSA and AML: An In-Depth Look60 minute tutorial | CFSSP | CRCM | CSOP | CLBB | CFMP | CTFA-FID | CCTS | CISP | CRSP | 1.25This interactive program, appropriate for employees needing an in-depth knowledge of BSA, introduces theconcept of money laundering and details how BSA regulations and requirements work to deter it. CurrencyTransaction Reporting (CTR), Suspicious Activity Reporting (SAR), the basic elements of a CustomerIdentification Program (CIP), penalties for noncompliance, as well as rules for negotiable instruments and wiretransfers are all covered in this in-depth look at BSA and AML.

20230MBSA/AML: The Basics45 minute tutorialThis course, designed for personnel needing a basic understanding of BSA, gives a brief overview of the BankSecrecy Act (BSA) including background on CIP, CTR, and SAR as well as penalties for non-compliance withBSA.

OFAC

20031MUnderstanding OFAC30 minute tutorial | CFSSP | CRCM | 0.75This 45-minute course, intended for any staff member in the position to screen any customer or prospect,addresses the basic OFAC requirements, transaction procedures, and compliance. The course is intended for allexperience levels and includes audio, role-specific scenarios, and case studies.

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Suspicious Activity Reports

20083MSAR: Be on Guard45 minute tutorial | CFSSP | CRCM | CSOP | 0.75In this course, intended for customer service representatives and loan officers, you will learn how to identifydifferent types of suspicious activities, and the five parts of a Suspicious Activity Report. The course alsoaddresses when a Suspicious Activity Report is required to be completed and filed, and how to correctly file aSuspicious Activity Report.

20205LENMSAR: Lender Awareness30 minute tutorialLenders have face-to-face contact with customers each day, putting them in a unique position to detectsuspicious activity – as long as they know what to look for. Designed with the lenders' specific job functions inmind, this program teaches lenders to recognize suspicious activity and when it is their responsibility to reportit. Lenders will also learn the importance of providing complete and accurate information when completing aSuspicious Activity Report and the significance of maintaining strict confidentiality regarding these reports.

Customer Identification Program

20107MCIP: Identity Verification and Compliance30 minute tutorial | CFSSP | CRCM | CSOP | CLBB | CFMP | CTFA-FID | CCTS | CISP | CRSP | 0.75This course, recommended for lending personnel and anyone responsible for opening any new or continuingrelationship, examines the importance of proper customer identification procedures, the minimum informationyou must obtain, the steps necessary for verifying information, what to do when information cannot be verified,the requirements of your Customer Identification Program, and CIP recordkeeping and notice requirements.

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FINANCIAL PRODUCTSAND SERVICES LAWS &REGULATIONS

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Privacy

20033BACKMPrivacy for Back Office Personnel – Opt-Out Edition60 minute tutorialThis course, recommended for back office personnel, will provide personnel with the skills to identify how toapply the main tenets of the Privacy rules. This course also discusses customers vs. consumers, and nonpublicpersonal information's relationship with personally identifiable financial information and publicly availableinformation. Upon completion of this course, back office personnel will understand logistical and content detailsof what the privacy notice must contain. This course also provides a section for financial institutions with a formto opt-out, as well as a section for those organizations who do not offer an opt-out.

20033BACKNOMPrivacy for Back Office Personnel – No Opt-Out Edition60 minute tutorialThis course, recommended for back office personnel, will provide personnel with the skills to apply the maintenets of the Privacy rules. This course also discusses customers vs. consumers, and nonpublic personalinformation's relationship with personally identifiable financial information and publicly available information.Upon completion of this course, back office personnel will understand logistical and content details of what theprivacy notice must contain.

20033COMMPrivacy for Compliance Officers – Opt-Out Edition60 minute tutorial | CRCM | 1.25In this course, recommended for compliance officers, risk management personnel, and training staff, you willlearn the three main tenets of Privacy regulations and how the GLBA is associated with FCRA, RFPA, BSA, andother regulations; differentiate customers from consumers and relate how those differences apply toinformation sharing; identify personally identifiable financial information and publicly available information tofully understand what constitutes nonpublic personal information; determine the difference between affiliatesand nonaffiliated third parties--and understand how affiliates may share information; apply logistical details ofprivacy disclosure notices, such as timing and retention; and recall specific details of the privacy notice andwhat it must contain, as well as how to provide a means for consumers to opt-out of sharing.

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20033COMNOMPrivacy for Compliance Officers – No Opt-Out Edition60 minute tutorialIn this course, recommended for compliance officers, risk management personnel, and training staff, you willlearn the three main tenets of Privacy regulations and how the GLBA is associated with FCRA, RFPA, BSA, andother regulations; differentiate customers from consumers and relate how those differences apply toinformation sharing; identify personally identifiable financial information and publicly available information tofully understand what constitutes nonpublic personal information; determine the difference between affiliatesand nonaffiliated third parties--and understand how affiliates may share information; apply logistical details ofprivacy disclosure notices, such as timing and retention; and recall specific details of the privacy notice andwhat it must contain.

20033FRNTMPrivacy for Frontline Personnel – Opt-Out Edition60 minute tutorialIn this course, recommended for frontline representatives, risk management personnel, and training staff, youwill learn the three main tenets of Privacy regulations and how the GLBA is associated with FCRA, RFPA, BSA,and other regulations; differentiate customers from consumers and relate how those differences apply toinformation sharing; identify personally identifiable financial information and publicly available information tofully understand what constitutes nonpublic personal information; determine the difference between affiliatesand nonaffiliated third parties--and understand how affiliates may share information; apply logistical details ofprivacy disclosure notices, such as timing and retention; and recall specific details about the content of theprivacy notice and what it must contain, as well as how to provide a means for consumers to opt-out of sharing.

20033FRNTNOMPrivacy for Frontline Personnel – No Opt-Out Edition45 minute tutorialIn this course, recommended for frontline representatives, risk management personnel, and training staff, youwill learn how to identify the three main tenets of Privacy regulations and how the GLBA is associated withFCRA, RFPA, BSA, and other regulations; differentiate customers from consumers and relate how thosedifferences apply to information sharing; identify personally identifiable financial information and publiclyavailable information to fully understand what constitutes nonpublic personal information; determine thedifference between affiliates and nonaffiliated third parties--and understand how affiliates may shareinformation; and apply logistical details of privacy disclosure notices, such as timing and retention.

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20033MGTMPrivacy for Management – Opt-Out Edition30 minute tutorialThe rapid growth of technology has created new ways to share information--unfortunately, some of thatinformation may be private. In this course, intended for management personnel, risk management personnel,and training staff, you will learn the three main tenets of Privacy regulations and how the GLBA is associatedwith FCRA, RFPA, BSA, and other regulations; identify personally identifiable financial information and publiclyavailable information to fully understand what constitutes nonpublic personal information; differentiatecustomers from consumers and relate how those differences apply to information sharing; and apply logisticaldetails of privacy disclosure notices, such as timing and retention.

20033MGTNOMPrivacy for Management – No Opt-Out Edition30 minute tutorialThe rapid growth of technology has created new ways to share information--unfortunately, some of thatinformation may be private. In this course, intended for management personnel, risk management personnel,and training staff, you will learn the three main tenets of Privacy regulations and how the GLBA is associatedwith FCRA, RFPA, BSA, and other regulations; identify personally identifiable financial information and publiclyavailable information to fully understand what constitutes nonpublic personal information; differentiatecustomers from consumers and relate how those differences apply to information sharing; and apply logisticaldetails of privacy disclosure notices, such as timing and retention.

20034MRight to Financial Privacy Act60 minute tutorialThis course, intended for all employees, addresses which records are covered under the Right to FinancialPrivacy Act, the privacy responsibilities of institutions, approved methods for federal agencies to requestfinancial records, when customers may challenge requests by authorities to obtain financial records, whichreports must be completed when criminal activity is suspected, and which records the federal government willnot provide reimbursement for.

20301MUnderstanding Privacy: The Essentials30 minute tutorial | CRCM | 0.75This short program, designed as a digestible introduction, breaks the regulations down to the essentials so thatpersonnel can more easily comprehend your institution’s privacy policy, and more accurately explain this policyto customers and consumers. Subjects covered include key terms and definitions, privacy notices, consumers’right to opt out, and exceptions to this right.

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Identity Theft

20037MIdentity Theft: Minimize the Risk60 minute tutorial | CFSSP | CRCM | 1.25In this course, intended for any employees who handle identifying or sensitive information, you will learn how toidentify the various scams and schemes criminals use to access and exploit sensitive identity information.

20327MInformation Security: Preventing Identity Theft30 minute tutorial | CFSSP | 0.75This course, recommended for any employees who handle identifying or sensitive information, can help yourinstitution become proactive instead of reactive with the following topics: the definition of identity theft, whichtypes of customer information to protect, how to detect identity theft, common scams, and how to preventidentity theft in six steps with the S.E.C.U.R.E. method.

20328MIdentity Theft "Red Flags": Duties of Financial Institutions and Creditors60 minute tutorial | CFSSP | CRCM | 1.25This course will help you recognize identity theft Red Flags; identify the requirements of an institution todevelop, implement, and maintain an identity theft prevention program; determine the procedures required forcredit report users when confronted with a Notice of Address Discrepancy from a consumer reporting agency;and apply appropriate methods for issuing credit or debit cards when confronted with an address change.

20360MCybercrime Essentials for Financial Institutions15 minute tutorialIf you don’t know how to protect yourself, cybercrime can cost your institution millions of dollars each year.Upon completion of this course, recommended for all employees who handle sensitive information, users willbe able to explain how the cyber black market operates and just how much cybercrime affects an organization’sbottom line. In addition, users will recognize how sensitive information is compromised and identify 10 ways toprotect themselves and their organization.

20361MEmail Security for Financial Institutions30 minute tutorialThink of all the emails you send each day – how do you know they are secure? Upon completion of this course,recommended for all employees, you’ll understand why emails at your institution need to be secure. Inaddition, you’ll be able to identify how to mitigate threats to email such as viruses, spam, and worms, and youwill be able to apply tips and email security tools that will help to decrease risk at your institution.

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20362MPassword Security for Financial Insitutions30 minute tutorialPasswords are an essential component of institution security. Upon completion of this course, recommendedfor all employees, you will understand why and how passwords are used, know tips for creating, updating, andmaintaining strong passwords, and recognize when a password has been compromised.

20363MSocial Engineering Essentials for Financial Institutions20 minute tutorialSocial engineering is a real threat to financial institutions. However, upon completion of this course,recommended for all employees, you’ll be able to explain how social engineers are successful at gainingsensitive information or privileged access, identify social engineering techniques, and demonstrate how toprotect your institution against social engineering.

20364MSocial Media Security for Financial Institutions30 minute tutorialUpon completion of this social media course, recommended for all employees, you’ll be able to explain howsocial media enables social networking, and how social tools have evolved the way that financial institutionsspeak with their customers and members. In addition, you’ll be able to identify social media threats that couldharm your financial institution and apply safe behaviors to use while on social media to prevent risk for yourfinancial institution.

20365MInternet Security Essentials for Financial Institutions30 minute tutorialUtilizing the internet in some form is an essential part of most business activity. Upon completion of this course,recommended for all employees who handle sensitive information, users will recognize common myths aboutinternet use, have a better understanding of the vulnerabilities inherent in “Web 2.0” technologies, anddemonstrate familiarity with the origin of malware and common ways to protect themselves from it.

20366MDefense Against Social Engineering: Phishing30 minute tutorialPhishing is a common technique that hackers use to steal valuable information. Upon completion of this course,recommended for all employees who handle sensitive information, you’ll be able to identify how phishingapplies to your financial institution, recognize the types of phishing attacks, and determine how you can play arole in protecting your institution from phishing.

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20367MDefense Against Social Engineering: Impersonation15 minute tutorialImpersonation is a low-tech method that criminals use to infiltrate an institution. Upon completion of thiscourse, recommended for all employees, you’ll be able to determine the goal of impersonators and identify thecommon roles they assume, explain typical ways impersonators carry out social engineering attacks, andrecognize how to defend your institution from social engineering impersonation.

20368MDefense Against Social Engineering: Pretexting20 minute tutorialHackers use pretexting to manipulate employees into divulging company secrets. Upon completion of thiscourse, recommended for all employees who handle sensitive information, you’ll be able to describe the role oftrust in pretexting, identify common pretexts, summarize the stages of a hypothetical pretext, and determinehow to protect your institution from pretexting.

20369MOnline Threat Defense for Financial Institutions20 minute tutorialFinancial institutions are facing increased risks from online assailants. Upon completion of this course,recommended for all employees who handle sensitive information, users will be able to avoid security issues inweb browsers, explain the hacking technique known as Cross-Site Scripting, identify issues related to URLsecurity, and differentiate between online threats and methods of defense.

20370MData and Records Retention Essentials for Financial Institutions30 minute tutorialFinancial institutions are required to maintain records on a variety of subjects. Upon completion of this course,recommended for employees who handle sensitive information, you’ll be able to determine why we retaincertain types of data, identify the type of records to retain, where to retain them, and the duration they shouldbe retained. In addition, you’ll be able to describe the types of destructible data and proper destructionmethods.

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