Regulation Z University

May 23, 2017 to May 25, 2017
IBA Center for ProfessionalDevelopment
6925 Parkdale Place
Program Overview: 

Click Here for a PDF Brochure

It is no secret that regulations in general continue to expand. This is especially true for Regulation Z. The Regulation Z commentary alone consists of over 372,000 words. As the complexity has increased, the ability for banks to comply has become more and more compromised. In response, we are offering this course to discuss all aspects of the regulation. 

A brief course no longer is possible - a three-day course is now required to cover all facets of Regulation Z. The manuals (which will be extensive) will be broken out by the loan type, and information that pertains to different loan types will be repeated in each manual as needed. This will make it easier for the student to use the manuals for reference after the seminar. The course will consist of lecture, case studies, and discussion, along with time devoted to questions and answers. 

We will teach each major subject in the order that it appears in the agenda below.  We have scheduled credit cards as the final subject so that banks that do not have a credit card portfolio can end their last day a little earlier.

The annual CBC School (Lending) scheduled for later in 2017 will not include Regulation Z so that school can focus on the many other topics that impact consumer lending.

  • Regulation Z Basics
    • When does the regulation apply?
    • When does the regulation NOT apply?
    • Finance charge
  • Consumer non real estate loans (cars, boats, etc.)
    • Disclosures and other requirements
  • Consumer real estate loans
    • The Loan Estimate
    • The Closing Disclosure
    • Other requirements
    • Underwriting issues – Ability to Repay
    • Qualified Mortgages
    • High Cost Mortgages
    • Higher Priced Mortgage Loans
  • Consumer Home Equity Lines of Credit
    • Initial Disclosures
    • Statement requirements
    • Subsequent Disclosures and other requirements
  • Consumer Credit Cards
    • Initial Disclosures
    • Statement requirements
    • Subsequent Disclosures and other requirements



Bill Elliott, CRCM, Sr. Consultant and Manager of Compliance, Young & Associates, Inc. With over 35 years of banking experience, Bill Elliott leads the compliance department at Young & Associates, Inc. where he conducts compliance reviews, leads compliance seminars, conducts in-house training, and writes compliance articles and training materials. During his career as a banker, Bill spent 15 years as a compliance officer in a large community bank. He has also been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments including loan review, consumer/commercial loan processing, mortgage loan processing, loan and credit administration, collections, and commercial loan workout.

Adam Witmer, CRCM, Senior Consultant, Young & Associates, Inc. Adam is a popular speaker who tries to make compliance fun by providing real life stories that apply to the topic at hand. He conducts seminars for state banking associations throughout the United States, provides in-bank training for clients, delivers keynote speeches, and puts on compliance webinars. Adam also serves client banks through consulting and by writing articles for various publications. Prior to joining Young & Associates, Inc., Adam served as an officer and the Director of Compliance for a multi-bank holding company. He has held the titles of  Compliance Officer, BSA Officer, and CRA Officer for multiple banks, and has experience in the areas of internal audit, deposit and loan operations, retail banking, and secondary market lending. He holds the designation of Certified Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers in Washington, D.C. Adam earned a BA in Business Administration from Taylor University and an MBA in Management and Human Resources from Indiana Tech.


Daily Schedule

8:30 a.m.        Registration & Continental Breakfast

9:00 a.m.        Program Begins

12:00 Noon      Lunch (included)

1:00 p.m.        Program Resumes

4:00 p.m.        Program Adjourns



This University will be held at the IBA Center for Professional Development, 6925 Parkdale Place, Indianapolis, IN 46254.  Directions, map & list of hotels are available at or by calling 317-387-9380.



IBA Members & Associate Members

  • $795 - Community Bankers for Compliance Members
  • $895 - Non Community Bankers for Compliance Members 


  • $1790

Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates.


Additional Information: 

Who Should Attend?
This course will be an in depth analysis and will cover all aspects of the rule. While all will benefit,
at least some knowledge or experience with the regulation will be helpful. Attendees could include compliance officers, auditors, senior management, consumer lenders of all areas, consumer loan processors, and any others involved in consumer lending.


Association Contact: 

For additional information please contact:

Laurie Rees, Vice President, Education & Training

Elizabeth Kilty, Education Coordinator

IBA Education & Training Department - 317-387-9380

Cancellation Policy: 

When you register for an IBA event, you will receive an e-mail confirmation. If you have any questions, contact
Elizabeth Kilty via e-mail: or call the IBA Office at 317-387-9380. 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations the day before or absences on the day of the program.  Substitutions are accepted at any time.


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