Interactive Program Guide

With leadership changes at many federal agencies and states driving their own agendas, lenders need to understand what are the regulator priorities to be prepare for what is likely a heightened operating environment with more examinations and more enforcement. The panel will explore recent hot topics and what may be in store for Auto lending in the years to come. In this session, you will learn about: * CFPB enforcement priorities and recent enforcement actions; * Perspectives on where the FTC and DOJ will focus; * Outlook in the areas of fair lending, rate caps, servicing, and voluntary protection products; * What are the top concerns of Auto dealers; and * Significant State level regulatory actions.

With a shift in CFPB leadership, retail banks anticipate an aggressive regulation by enforcement environment. What does that mean for your business? How does it relate to the Bureau’s overall regulatory strategy? From process to press releases to protocols, hear from former CFPB attorneys and other enforcement experts on what’s to come for retail banks and how you can best prepare. In this session, you will learn: * Why you can expect an increase in regulation by enforcement and how the CFPB may use enforcement as part of its regulatory strategy; * How to manage a CFPB enforcement action, from day 1 through resolution; * Steps you can take to help mitigate enforcement risk.

The default management landscape is rapidly changing. While financial institutions are juggling the challenges posed by the pandemic, there are also changes to the FDCPA, a new administration, and a new CFPB director. Not only must creditors be prepared to implement the new CFPB debt collection rules, financial institutions must also be primed for a change in leadership at the Bureau and actions that could be coming down the pike. In this session, you will learn: * An overview of the CFPB debt collection rule to understand the legal and operational aspects of the Rule and how to create, implement, and audit policies and procedures for optimal collection practices; * How the CFPB’s enforcement priorities have shifted under new leadership; and * What the Bureau’s next steps in the default management space will be.

How many times have you gone to a conference and not found answers to your specific questions? Problem solved! At CBA LIVE 2021, the Deposit & Payments Committee provides this format to meet your needs. Industry executives and deposits and payments experts take the stage to answer your questions – live, unscripted with no topics off limits! Ask the questions you’ve always wanted to but never thought anyone would answer. This session is about YOU and YOUR agenda! In this session, you will learn: * Deposit and payment expertise from leading retail banking executives; * Straight answers to questions and topics on your mind; * What others in the industry are wondering; and * Whatever you want to know.

The banking industry’s increased adoption of artificial intelligence and machine learning models present a unique opportunity for banks to expand credit access and alter traditional reporting systems. However, embracing new data algorithms and non-traditional scoring models brings the risk of unintentional discrimination and potential regulatory burden. Is the trade-off of more accuracy but less fairness worth it? Hear from a panel of experts and practitioners on how your bank can successfully navigate data-driven lending. In this session, you will learn: * Why some banks are unintentionally exposed to UDAAP, steering and redlining risk with adoption of AI and machine learning models; * Best practices for incorporating new data and harnessing AI to expand credit; and * How to mitigate disparate impact risk.

Financial services firms are being challenged to develop innovative tools and frameworks, adopt data-driven approaches and real-time monitoring, and discard the ‘rearview mirror’ approach to risk management. Similarly, Internal Audit functions within these firms are leveraging digital transformation around data pipelines, data analytics and advanced modeling, robotic process automation (RPA), and data visualization to evolve their audit practices towards more continuous assurance and true risk convergence with other lines of defense. In this session, you will learn: * Early detection of internal emerging risks using your data; * How to assess external emerging risk with syndicated data fees; * How to develop a risk intelligence environment for rapid analytics and dynamic reporting; * To tailor test approaches and procedures based on data-based residual risk assessments; and * How to integrate data and technology with other lines of defense for true risk convergence.

Creating a coaching culture of feedback can be the key differentiator to put you ahead of the competition when it comes to attracting and retaining talent. It starts with better conversations for employees at all levels of your bank. In this session, you will learn how to: * Implement a coaching culture that encourages open, meaningful, and constructive conversation, which leads to improved performance, * Develop four core behaviors of a coaching culture training program; and * Conduct candid conversations that foster stronger relationships based on trust and collaboration to enable better business outcomes.

Cox Automotive Chief Economist Jonathan Smoke reviews macroeconomic trends and their effect on the automotive landscape. Smoke will also review where we are now across the United States and auto retailing — with a look back on the first half of the year and the tailwinds for lenders to help them align their business strategies going forward. In this session, you will learn: * What effects will pandemic and economic recovery play on the auto industry at large; * In what direction are the tailwinds in auto sales and inventory appear heading; and * What are Cox Automotive expectations for the road ahead among the economic, industry and political climate.

As the use of complaint data by regulators continues to evolve, so must the programs banks use to manage, track and analyze their information. But creating a consistent, comprehensive method of categorizing and tracking complaint data while anticipating the next requests from a regulator is no small task. Many banks are looking to artificial intelligence to improve the way they log, identify, and track consumer complaints. This session will explore: * The challenges that come with entering, tagging and tracking complaint data; * The ways AI is being used within complaint management programs; and * How incorporating AI can help address complaint data challenges.

As forbearance, foreclosure, and other relief programs from the pandemic are set to wind down, federal regulators have already put the industry on notice. Financial institutions need to be prepared for both the potential wave of millions of borrowers needing assistance when these plans end, as well as scrutiny from regulators on how institutions handled default management throughout the COVID-19 crisis. In this session, you will learn: * How to prepare for increased scrutiny of default-related activities, including execution, implementation, and controls of CARES Act provisions across the default cycle; * What resources and investments are needed to ensure a robust framework is in place to handle the influx of applications and borrower inquiries; and * How to minimize enforcement risk by monitoring performance, identifying problems, and making necessary adjustments over the coming months.