BEGIN:VCALENDAR
VERSION:2.0
METHOD:PUBLISH
PRODID:-//ddaysoftware.com//NONSGML DDay.iCal 1.0//EN
BEGIN:VTIMEZONE
TZID:Eastern Standard Time
BEGIN:STANDARD
DTSTART;VALUE=DATE:18000101
RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=10;BYMONTHDAY=25,26,
 27,28,29,30,31
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
END:STANDARD
BEGIN:DAYLIGHT
DTSTART;VALUE=DATE:18000101
RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=4;BYMONTHDAY=1,2,3,4
 ,5,6,7
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
END:DAYLIGHT
BEGIN:STANDARD
DTSTART;VALUE=DATE:20070101
RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=11;BYMONTHDAY=1,2,3,
 4,5,6,7
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
END:STANDARD
BEGIN:DAYLIGHT
DTSTART;VALUE=DATE:20070101
RRULE:FREQ=YEARLY;BYDAY=SU;BYHOUR=2;BYMINUTE=0;BYMONTH=3;BYMONTHDAY=8,9,10,
 11,12,13,14
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
END:DAYLIGHT
END:VTIMEZONE
BEGIN:VEVENT
DESCRIPTION:Now that the Consumer Financial Protection Bureau (CFPB) has ce
 lebrated its one year anniversary and is moving forward with enforcement a
 ctivities\, there is a renewed and sharper focus on business practices tha
 t are considered unfair\, deceptive\, or abusive (UDAAP). Activity within 
 the definition of UDAAP can develop rapidly in marketing and delivery of l
 ending and deposit products and services. How can your credit union identi
 fy risks and protect against painful and costly regulatory enforcement act
 ions\, civil monetary penalties\, and reputational damage that accompany t
 hese issues? Join us to learn best practices and practical management tech
 niques to guard against the UDAAP. HIGHLIGHTS Define unfair\, deceptive\, 
 and abusive practices in the context of CFPB guidance Case studies with pr
 actical examples of how to identify these types of practices Brief refresh
 er regarding fair lending concepts and examination criteria Similarities b
 etween enforcement approaches for fair lending violations and UDAAP assert
 ions Best practices for identifying red flags that may indicate activities
  qualifying under UDAAP Activities and practices to help identify and miti
 gate risks Resource materials to enhance programs and processes to protect
  your credit union WHO SHOULD ATTEND? This informative session is designed
  for CFOs\, internal auditors\, risk managers\, compliance and risk office
 rs\, and any staff seeking a better understanding of UDAAP and key risks r
 elated to credit union products and services. ABOUT THE PRESENTER – Daniel
  L. Huston\, CPA\, CFIRS\, Moss Adams LLP Dan Huston has over 30 years’ ex
 perience working with financial institutions. He has held a variety of ope
 rations and lending positions\, with a significant focus on federal regula
 tion compliance\, product development\, and processing efficiency. With Mo
 ss Adams since 1999\, Dan is a partner in the firm and directs their Inter
 nal Audit and Regulatory Compliance Services for financial institutions. H
 is areas of expertise include credit underwriting\, lending compliance\, a
 nti-money laundering program administration\, and trust and fiduciary oper
 ations. He has also developed risk assessment methodologies related to int
 ernal audit and compliance programs\, thus assisting clients in implementa
 tion of risk management programs and integrating risk management strategie
 s for smaller financial institutions. PLEASE NOTE: Your registration fee a
 llows you to have one telephone connection. However\, as many people as yo
 u like may listen from your office speaker phone. If you register for the 
 webinar\, your registration fee also includes one internet connection from
  a single computer terminal. THREE REGISTRATION OPTIONS 1. LIVE WEBINAR Th
 e LIVE WEBINAR option allows you to have one telephone connection for the 
 audio portion and one Internet connection (from a single computer terminal
 ) to view online visuals as the presentation is delivered. You may have as
  many people as you like listen from your office speaker phone. Registrant
 s receive a toll-free number and pass code that will allow entrance to the
  seminar. The session will be approximately 90 minutes\, including questio
 n and answer sessions. Seminar materials\, including instructions\, pin nu
 mber\, and handouts will be emailed to you prior to the broadcast. You wil
 l need the most current version of Adobe Reader available free at www.adob
 e.com. 2. ON-DEMAND WEB LINK** AND FREE CD ROM* Can't attend the live webi
 nar? The ON-DEMAND WEB LINK** is a recording of the live event including a
 udio\, visuals\, and handouts. We even provide the presenter's email addre
 ss so you may ask follow-up questions. Approximately 1 week prior to the w
 ebinar\, you will receive an email with the web link. This web link can be
  viewed anytime 24/7\, beginning 6 business days AFTER the webinar and wil
 l expire 6 months after the live program date. But there's more . . . AS A
 N ADDED BONUS\, you will also receive a FREE audio/visual CD ROM.* The CD 
 ROM includes the original audio/visual presentation\, the question and ans
 wer sessions\, and the handouts. Use the on-demand link or this "off-the-s
 helf" training program for those that could not attend the live seminar an
 d for future training. 3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK** (INCL
 UDES FREE CD-ROM*) Includes options 1 and 2 above *CD Rom for PC use only 
 **All materials are subject to copyright and intended for your credit unio
 n's use only. NEW! Listen on your iPad\, iPhone\, or Android. Instructions
  will be emailed to you with the on-demand link. INVESTMENT: $199.00 Webin
 ar per connection $199.00 Archived On-Demand Web Link &amp\; Free CD ROM $
 249.00 Both Live Webinar &amp\; Archived On-Demand Web Link &amp\; Free CD
  ROM TIME: 3:00 p.m. - 4:30 p.m. To register and pay by check\, email mzel
 insky@njcul.org and your credit union will be invoiced. To register and pa
 y online\, click here.
DTEND;TZID=Eastern Standard Time:20121211T163000
DTSTAMP:20130524T165855
DTSTART;TZID=Eastern Standard Time:20121211T150000
LOCATION:
SEQUENCE:0
SUMMARY:> Webinar: Unfair\, Deceptive & Abusive Practices: Is Your Credit U
 nion at Risk?
UID:6b33eb1f-6a4a-439e-97c5-dacfdb878962
URL:http://www.njcul.org/-webinar-unfair-deceptive-abusive-practices-is-you
 r-credit-union-at-risk-2012-12-11.aspx
END:VEVENT
END:VCALENDAR