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0582 Americans with Disabilities (ADA) 
This AIB course provides guidelines for how employees in any part of the financial institution can meet the requirements of the Americans with Disabilities Act. Students will learn how reasonable accommodations can be applied in a variety of situations.
After successfully completing this course, you will be able to:
- Define disability as outlined by ADA regulation
- Determine who is covered
- Explain “reasonable accommodations”
- Describe how the Americans with Disabilities Act applies to job responsibilities.
7432 Bank Bribery Act
Bankers are responsible for appropriately handling money, personal information and trust. Unfortunately, there are some individuals who may attempt to take advantage of this for their own personal benefit or gain. In this AIB course participants will learn about the Bank Bribery Act and how to comply with it in order to prevent corrupt activities within financial institutions.
After successfully completing this course, you will be able to:
- Explain the background of the Bank Bribery Act
- Describe the purpose of the Bank Bribery Act
- Describe the importance of a code of conduct
- Explain the general prohibitions of the Bank Bribery Act
- Describe exceptions to the general prohibitions
- Explain the disclosure and reporting requirements.
7336 Bank Insurance Compliance 
This course provides a fundamental understanding of the compliance issues in insurance transactions in a banking environment. Participants in this class will learn how to avoid prohibited practices, act in compliance with federal and state regulations, and develop basic sales illustrations that comply with insurance regulations. They will also understand the perspective of and relationship with insurers. After successfully completing this program participants will be able to: identify the requirements that federal banking laws impose on bank insurance operations, understand how the state and federal governments divide responsibility for regulating bank insurance operations, confidently describe the regulatory requirements and state insurance laws and federal securities laws imposed on the marketing and sales of insurance products, and comprehend how state and federal regulators oversee the operations of insurers and banks that affiliate to market insurance to bank customers.
Audience: Bank Insurance Compliance can benefit all bank employees, and it is essential for employees working in bank affiliated insurance units, compliance departments, bank marketing departments, and insurance companies.
7462 Bank Protection Act
Every federally insured financial institution must establish certain security efforts as outlined by the Bank Protection Act. Participants in this AIB course will learn how the Bank Protection Act influences the procedures used to preserve evidence of criminal behavior or suspected criminal behavior. They will also learn the devices/equipment that must be in place to assist law enforcement officials in the apprehension of individuals who perpetrate crimes against the financial institution.
After successfully completing this course, you will be able to:
- Explain the background of the Bank Protection Act
- Describe the purpose of the Bank Protection Act
- Describe tools and procedures used to identify persons committing crimes against the financial institution
- Describe the security devices required by the Bank Protection Act
- Describe training efforts required by the Bank Protection Act.
7209 Bank Secrecy Act 
This AIB course introduces employees of financial institutions to the Bank Secrecy Act and the reporting responsibilities that come with it. Students will learn to complete and submit required Bank Secrecy Act reports, explain the timeframes and procedures for maintaining Bank Secrecy Act reports, and finally, how to explain to clients why Bank Secrecy Act reports are required.
After successfully completing this course, you will be able to:
- Explain what the Bank Secrecy Act is, and why it was created
- Describe the compliance programs required by the Bank Secrecy Act
- Complete and submit required Bank Secrecy Act reports
- Explain the timeframes and procedures for maintaining Bank Secrecy Act reports
- Explain to clients why Bank Secrecy Act reports are required.
Recommended AIB Credit: 1/4
Check 21 Overview
This course provides an overview of the new Check 21 legislation that went into effect on October 28, 2004. It covers the goals of the legislation, check truncation, substitute checks, consumer safeguards, expedited recredit procedures, and what banks must do to implement Check 21. There is a Final Assessment that you can use to check your general understanding of Check 21 after completing the course. This course has a somewhat different format than the other ABA eLearning courses and will be replaced with a course in a more typical ABA eLearning format some weeks after the legislation becomes effective.
After completing this course, students will be able to:
- Explain how Check 21 will impact customers and banks
- Describe the key elements of the Check 21 Act
- Explain Check 21 to customers
- Describe what to expect as Check 21 is implemented
7805 Community Reinvestment Act (CRA)
The Community Reinvestment Act measures the way financial institutions are meeting the needs of everyone in their community of operations. While every employee may not be directly involved in tracking this information, it is helpful to understand why compliance with this Act is so important to the financial institution. This AIB course will help participants go beyond just referring the questions to a specific individual to knowing why the information is so important to those asking for it.
After successfully completing this course, you will be able to:
- Explain the role the Community Reinvestment Act (CRA) plays in every financial institution
- Describe the key requirements contained in the Act.
6407 Electronic Funds Transfer Act - Regulation E
Electronic transactions first became widely available in the 1970s. Soon after, the Electronic Fund Transfer Act was enacted to protect consumers from errors and fraud that could occur in these transactions. This AIB course covers the requirements of the Act that apply to customer contact personnel.
After successfully completing this course, you will be able to:
- Explain the background of the Electronic Funds Transfer Act
- Describe the purpose of the Electronic Funds Transfer Act
- Describe requirements regarding issuance of access devices
- Explain the requirements related to preauthorized transfers
- Define what an electronic fund transfer is
- Describe how to handle a notice of error.
7321 Equal Credit Opportunity Act - Regulation B
This AIB course teaches students to evaluate an applicant’s creditworthiness within the boundaries of the Equal Credit Opportunity Act. The course begins by describing the purpose and coverage of the Equal Credit Opportunity Act, and then reviews what a bank and its employees must do regarding the taking and processing of loan applications, including acceptable factors. Students will learn about prohibited bases for evaluating an application and required notifications.
The course concludes with a discussion of other bank compliance issues, including the requirements for reporting credit information, record keeping, and the consequences for noncompliance.
After successfully completing this course, you will be able to:
- Explain the purpose of the Equal Credit Opportunity Act and what it covers
- Describe what banks must do to comply with the Equal Credit Opportunity Act when making credit available
- Describe what banks must do to comply with the Equal Credit Opportunity Act when processing a credit application
- Identify reporting and record keeping requirements, as well as the consequences for noncompliance.
Recommended AIB Credit: 1/4
6962 Expedited Funds Availability - (Regulation CC)
This AIB course introduces students to key components of the Expedited Funds Availability Act (Regulation CC). Students will gain general knowledge of availability schedules used on transaction account deposits and the general conditions when EFAA allows holds to be extended. Students will also learn some of the basic requirements created by the Federal Reserve Board as part of EFAA for paying and returning checks.
After successfully completing this course, you will be able to:
- Differentiate between next day, 2nd day, and 5th day availability schedules
- Explain the conditions allowed by Regulation CC for extended holds
- Describe general disclosure information required for all financial institutions
- Recognize proper placement of endorsements
- Describe the key rules for returning checks.
7324 Extending Credit to Bank Insiders - Regulation O
Banks are in business to take deposits and loan money to their customers. Banks have owners, usually in the form of shareholders and are managed by a board of directors. Day-to-day jobs within the bank are handled by the bank’s executive officers. All of these people involved with the bank’s operation are called bank insiders. It is important that when a bank lends money to one of its insiders that it is as careful as when it lends money to anyone in the community. Regulation O governs this activity.
After successfully completing this course, you will be able to:
- Explain the background of Regulation O
- Describe the purpose of Regulation O
- Describe the general lending rule set forth in Regulation O
- Describe the types of credit covered
- Explain the restrictions a bank must meet when lending to an insider
- Identify who is considered to be an executive officer
- Describe restrictions on loans to executive officers
- Explain disclosure requirements.
7333 Fair Credit Reporting Act (FCRA)
This AIB course covers compliance requirements under the Fair Credit Reporting Act (FCRA). Students will learn about the purpose of the FCRA, and review the types of transactions and exemptions covered under it. The course also teaches students the requirements, responsibilities and rights outlined under the Act, including special guidelines for the sharing of consumer information between affiliates, as well as the actions students must take to help ensure compliance with the FCRA.
After successfully completing this course, you will be able to:
- Explain the purpose of the Fair Credit Reporting Act and what it covers
- Describe the requirements, responsibilities, and rights outlined under the Act
- Describe requirements of financial institutions as users of consumer reports and as providers of information
- Describe the consequences for noncompliance.
Recommended AIB Credit: 1/4
7319 Fair Housing Act
This AIB course introduces students to the history, purpose and coverage of the Fair Housing Act (FHA). Students will learn about the FHA prohibited bases of discrimination, the requirements of the Equal Housing Lender Lobby Poster, and the Fair Housing logo. Students will also learn about FHA terminology and record keeping requirements.
After successfully completing this course, you will be able to:
- Explain the background and purpose of the Fair Housing Act
- Describe the coverage of the Fair Housing Act
- Explain the requirements of the Fair Housing Act
- Describe the penalties for non-compliance with the Fair Housing Act.
7341 Fair Lending
This AIB course will provide participants with the background required to interact successfully with customers while maintaining compliance with Fair Lending laws and regulations. The seminar examines fair treatment of customers and distinguishes the three types of discrimination as defined in the federal Joint Policy Statement on Discrimination in Lending. Participants develop personal action plans to ensure compliance, and participate in a bank self assessment exercise as a post-seminar activity.
After successfully completing this course, you will be able to:
- Describe the Fair Lending philosophy of your bank
- Explain the laws and regulations related to Fair Lending
- Explain the importance of adhering to a Fair Lending policy
- Identify the three types of discrimination
- Formulate a personal action plan to ensure fair lending compliance.
Recommended AIB Credit: 1/4
7371 FDIC Deposit Insurance
Participants in this AIB course will be given an overview of Federal Deposit Insurance Corporation (FDIC) insurance coverage of accounts. Individual and joint account ownership types and aggregation of accounts will be discussed as they relate to insurance coverage. Participants will be given examples of insurance coverage calculations using individual and joint ownership categories.
After successfully completing this course, you will be able to:
- Explain the background of the Federal Deposit Insurance Corporation
- Describe the purpose of the Federal Deposit Insurance Corporation
- List the types of deposits that are and are not insured by Federal Deposit Insurance Corporation deposit insurance coverage
- Identify the general rules for insurance coverage
- Provide examples of the different types of rules used for individual and joint ownership accounts
- List some basic rules for determining the amount of Federal Deposit Insurance Corporation insurance coverage
- Recognize examples of Federal Deposit Insurance Corporation insurance coverage for the same ownership category and for different owners in the same ownership category.
3416 Flood Disaster Protection Act
This AIB course provides an overview of the requirements for processing transactions covered by this Act. Students will gain an understanding of the coverage requirements and exemptions, and the disclosures required in these transactions.
After successfully completing this course, you will be able to:
- Explain the purpose of the National Flood Insurance Program
- Explain when a flood determination must be made
- Describe the types of loans subject to flood insurance
- Explain the bank’s responsibilities for ensuring flood insurance is in place.
9807 Fraud Identification 
A seasoned state bank regulator facilitates this interactive, on-line course. Participants will analyzing 21 actual fraud cases, viewing PowerPoint presentations on audit, internal controls, and cyber banking, reflecting on and discussing specific fraud issues, and interacting with the other participants and the facilitator regarding these issues and the red flags associated with the fraud cases. To fully benefit from the course, you should participate on a regular basis (at least 2-3 times a week) in the threaded discussions. The amount of time necessary to complete the activities is approximately five hours per week.
Audience: The cases are real life situations, as experienced by bank examiners. The cases primarily deal with insider fraud - the biggest risk and the most common type of fraud. While the cases are written from the examiner's or auditor's perspective, they have broad appeal to all bank employees since in almost all cases, a bank employee witnessed the fraud but did not realize it.
7322 Home Mortgage Disclosure Act (HMDA)
This AIB course introduces students to the home mortgage data and disclosure information that must be provided to the public and federal government as a result of the implementation of the Home Mortgage Disclosure Act. Students will learn about the types of loans covered by HMDA, the information that is required for reporting on the Loan Application Register, and the role of supervisory agencies and management in ensuring that the data is reported as outlined in HMDA. Throughout the course, students will learn about the significant changes that have been made to this Act which became effective January 2004.
After successfully completing this course, you will be able to:
- Explain the purpose of the Home Mortgage Disclosure Act and what it covers
- Describe the financial institutions required to report HMDA data
- Provide an overview of the types of loans covered by HMDA
- Explain how the Loan Application Register data is used
- List regulatory agencies involved with HMDA reporting
- Respond to questions about HMDA
- Describe management responsibilities for reporting HMDA information.
3670 Law and Banking: Applications 
Law & Banking, Applications is devoted to the laws and regulations that govern funds transactions, whether by check, EFT, wire transfers, or letters of credit. In addition, focus is placed on issues of liability, wrongful payment and dishonor, electronic banking, deposit accounts, mutual funds and annuities. After successfully completing this course, participants will be able to: discuss the role of federal and state agencies in the regulation of banking and explain the basic legal relationship between banks and their customers, list the essential elements of negotiable instruments and explain UCC considerations for negotiability, describe the rights of a holder in due course and explain how the law governing negotiable instruments protects the free circulation of the instruments in the marketplace, explain the UCC requirements for an item to be properly payable and list the liability and damages banks face for wrongful payment or dishonor, describe a bank's defenses against liability for forged signature and forged endorsement claims under various circumstances, list the parties to a letter of credit and review their obligations and liabilities.
Audience: Entry and officer level personnel who are new to banking or require a refresher course on the legal basis for many banking services and transactions.
3660 Law and Banking: Principles
Law & Banking, Principles is your guide to the legal and regulatory issues, with special emphasis on the Uniform Commercial Code. Every part of the banking process, from taking deposits and making loans to operating safe deposit boxes and offering trust services, is governed by laws for the purpose of protecting consumers or maintaining the safety and soundness of the bank. Knowing the basics of banking law will enable every banker to grasp the requirements of his or her job and perform it with more understanding. After successfully completing this course, participants will be able to: explain the regulatory system by which regulations are made and banks are governed, identify the major laws that affect the business of banking today, describe the difference between a crime and a tort and list crimes and torts that affect banking today, list the requirements for a contract and identify some types of contracts into which a bank enters, list the types of property ownership and how banks obtain an interest in a customer's property, list three types of bankruptcy filings and the purposes for each type.
Audience: Entry and officer level personnel who are new to banking or require a refresher course on the legal basis for many banking services and transactions.
7132 Office of Foreign Assets Control (OFAC)
The Office of Foreign Assets Control (OFAC) requirements deal with every account relationship and transaction that the bank offers to its customers. This AIB course centers on the OFAC regulations designed to impose economic sanctions against certain designated countries, what transactions are involved, and how to handle suspicious transactions. OFAC terminology is also included.
After successfully completing this course, you will be able to:
- Define the purpose of OFAC
- Describe the purpose and use of the Specially Designated Nationals and Blocked Persons List
- Explain what to do when there is a match name
- Identify the reports that must be made.
4246 Personnel and the Law
This short course will give you an awareness of the laws essential to the management of bank personnel. Upon successful completion of this course students will be able to: describe the historical and governmental perspective of employment law; discuss the Civil Rights Act and other Equal Employment Opportunity (EEO) laws; compare EEO laws with regulations of the Office of the Federal Contract Compliance Program; identify and comply with legal issues of employment and discuss other laws affecting personnel including the Immigration Reform and Control Act, Employee Retirement Security Act (ERISA), and the Occupational Safety and Health Act (OSHA).
Audience: Personnel officers, managers, branch managers, supervisors, head tellers, and others who desire a basic knowledge of personnel law.
7325 Privacy for Customer Contact Personnel
This AIB course explores the everyday privacy issues that customer contact staff are faced with on a regular basis. It covers the existing Right to Financial Privacy Act as well as Regulation P, the newest consumer privacy guidelines resulting from the passage of the Gramm-Leach-Bliley Act. Students will learn the terminology used to discuss the privacy issue, including opt-out, consumer vs. customer and how to answer consumer questions about their privacy rights.
After successfully completing this course, you will be able to:
- Describe the purpose of privacy safeguards in the financial services industry
- Define the terminology used in discussing privacy issues with consumers
- Explain the benefits of information sharing
- Use techniques to safeguard client information from pretext calling scams
- Respond to customer questions and concerns regarding privacy issues.
5301 Real Estate Settlement Procedures Act (RESPA)
This AIB course helps students identify activities, disclosures and specific job responsibilities that are required by the Real Estate Settlement Procedures Act (RESPA), one of the many consumer protection laws that govern financial institutions and mortgage lenders. After an overview of the history of the law, its purpose, and the extent of its coverage, the course identifies the eight RESPA disclosures required at different stages of the home buying process and provides examples of each form. After completing this course, students will be able to protect themselves from liability, their financial services institutions, and, most important, the consumers they assist in the home buying process.
After successfully completing this course, you will be able to:
- Describe the purpose of RESPA
- Identify the eight disclosures required by RESPA
- Identify activities prohibited by RESPA
- Describe the escrow account procedures set forth by RESPA.
Recommended AIB Credit: 1/4
Regulatory Compliance for Call Center Reps
Regulatory Compliance for Customer Service Reps
Regulatory Compliance for Personal Bankers
Regulatory Compliance for Tellers
0611 Soldiers and Sailors Civil Relief Act
This AIB course introduces students to the Soldiers’ and Sailors’ Civil Relief Act. Students will learn how the Soldiers’ and Sailors’ Civil Relief Act works to suspend or postpone certain civil obligations so that military personnel can devote their full attention to their military duties. Students will learn what the regulations are, when they are in effect, and who qualifies for the provisions contained in the Act.
After successfully completing this course, you will be able to:
- Explain the purpose of the Soldiers’ and Sailors’ Civil Relief Act
- Describe when the provisions of the Act are in effect
- Identify who is eligible for the provisions in the Act
- Discuss the primary protections due to military personnel under Soldiers’ and Sailors’ Civil Relief Act.
7331 Truth in Lending Act - Regulation Z
This AIB course introduces participants to compliance with Regulation Z, Truth in Lending. Students will learn about the conditions that led to the enactment of Regulation Z, and how to properly disclose the cost of credit, and calculate and disclose a loan’s rescission period. The course teaches students how to adhere to the technical requirements of Regulation Z, including how to present required documentation and explain terms in a way that clients will understand. The course also covers how Regulation Z is enforced, and the penalties for noncompliance with Regulation Z.
After successfully completing this course, you will be able to:
- Discuss the purpose and history of Regulation Z
- Quote an annual percentage rate (APR)
- Present disclosure statements for different types of consumer credit
- Calculate and describe a rescission period
- Apply Regulation Z to specific banking job roles.
Recommended AIB Credit: 1/4
7350 Truth in Savings Act - Regulation DD
The Truth in Savings Act provides consistency in the way rates and disclosures are provided to clients. Participants in this AIB course will learn how rate information must be shared with clients, including verbal rate quotes and marketing efforts. Participants will also learn what disclosures are required and when those disclosures must be given to clients opening deposit account products.
After successfully completing this course, you will be able to:
- Identify clients and accounts subject to disclosure requirements
- Share rates as required by the Truth in Savings Act
- Provide the appropriate disclosure information within the timeframes outlined in the Truth in Savings Act
- Explain disclosure terminology.
0731 USA PATRIOT Act
The USA PATRIOT Act has applications in almost all areas of the financial world. In this AIB course students will learn the key aspects of the Act and what is needed to implement its provisions. Student will also learn how this Act affects the sharing of certain types of information between financial institutions and law enforcement officials to identify transactions that may involve terrorist activity or money laundering.
After successfully completing this course, you will be able to:
- Describe the purpose of the USA PATRIOT Act
- Describe the types of accounts that pose the greatest risk to the bank for potential use by terrorists or those who fund terrorist activities
- Explain the required procedures for at risk accounts
- Describe the records that the bank must maintain regarding foreign correspondent and private banking accounts
- Explain how to respond to requests for information from FinCEN
- Describe the process for sharing information with other financial institutions.
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