Dr. Gina J. Lowdermilk

The Fair Credit Reporting Act (“FCRA”) governs the collection, assembly, and use of consumer report information and provides the framework for the credit reporting system in the United States. The FCRA regulates the practices of consumer re ...

The Servicemember’s Civil Relief Act (SCRA) provides certain legal protections from collection activity for any customer that has been called to active duty or active service. Servicemembers may also be eligible for interest rate reductions ...

The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board's Regulation C. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial ...

Financial institutions are required to be compliant with BSA rules and regulations. Such compliance needs to be well documented and consistent to ensure financial institutions avoid BSA violations and implications. Financial institutions’ BSA Prog ...

A Look At Some Of The Hot Topics And Issues Regarding The AML Environment In 2018, And What Is On The Horizon For 2019. The financial environment changes constantly to address new issues and concerns regarding AML. In 2018, AML addressed changes ...

Most credit reporting disputes are handled through the e-OSCAR/ACDV system, which has had recent updates that affect data furnishers' legal obligations in regard to these disputes. This is an active area of litigation and regulatory scrutiny that ...

This 60-minute webinar will summarize the importance of performing BSA/AML/OFAC risk assessments properly. It will discuss the various components needed in order to implement an effective risk assessment, as well as, what is needed to maintain an ...

Introduction and Overview of Performing BSA/AML Audits for MSB customers that support AML rules and regulations 

This 60-minute webinar will summarize the importance of performing BSA/AML/OFAC risk assessments properly. It will discuss the various components needed in order to implement an effective risk assessment, as well as, what is needed to mai ...

This BSA audit training will explain how the best practices in a BSA audit have evolved over the years. It will cover the major components of an effective BSA program that the audit focuses on and the specifics of each area as it pertains to B ...