Please note: Due to low in-person registrations, we are now offering only virtual and recording options. 


July 20, 2023
9:00am-4:00pm


Member Fees: $365 (Virtual); $530 (Recording); $100 Add On Recording Fee with Virtual Registration 
Non-Member Fees: $565 (Virtual); $730 (Recording); $100 Add On Recording Fee with Virtual Registration

Please note: Certificates will only be emailed to registered attendees following the program. We will verify attendance in Zoom. If you register for the recording, we will not be able to provide a certificate because we will not be able to track attendance. 

ABA Professional Certifications Continuing Education Credit (Virtual registration only):
This program has been approved for 7.25 CRCM and 2 CERP credits by ABA (American Bankers Association) Professional Certifications. Certified professionals will report these credits at aba.csod.com

Topics include:

• Maneuvering Fair Lending and UDAAP Minefields
  • DOJ’s Combatting Redlining Initiative
  • Focus on Limited English Proficiency
  • CFPB’s Guidance on “Abusive”
  • CFPB’s Recruitment of State Attorney Generals on Junk Fees
• Implementation Plans for CFPB’s Small Business Lending Data Collection
  • Staggered Effective Dates
  • Impact of CRA Modernization
  • Identifying and Collecting Information on ALL Covered Applications
  • Data Elements
• TRID, RESPA and Other Lending Compliance Issues
• Frequent Regulatory Violations

Patti Joyner founded Financial Solutions in 1990 to provide community financial institutions with effective solutions for the ever-increasing need for cost-effective regulatory risk management.  The company provides in-house training, compliance policy and procedure development and litigation support. Patti’s ability to transform complex requirements into simple, practical solutions is bound by a deep conviction that “excellence is not optional,” easily translating into effective answers for community bankers.  Patti firmly believes that being a community banker is all about the size of your heart, not your bank’s assets! She has a thorough understanding of the current regulatory environment and is able to integrate and streamline competing priorities without compromising compliance, results, or your sanity.  Patti loves people and banking - put the two together and its inspiring! Ms. Joyner is a frequent presenter for the American Bankers Association where she served as a faculty member of its prestigious Stonier Graduate School of Banking and National, Intermediate and Graduate Compliance Schools.  Additionally, Patti has delivered many ABA briefing/webcast series on a wide variety of compliance subjects. She works extensively with state and regional banking associations, and enjoys being a frequent speaker for various regulatory and law enforcement agencies. It was Patti’s privilege to be named ABA’s annual Distinguished Service Award winner for 2018 in recognition of her contribution to the banking industry across our country. Patti is a regularly published compliance resource for many other regional and national publications.  Her high energy style and slightly wicked sense of humor combine to provide entertaining, effective, successful and compliant solutions that will leave a smile in your heart along with answers to your questions. Ms. Joyner has a B.S. degree in Accounting from Louisiana Tech University where she graduated with honors.  Patti earned her Certified Public Accountant (CPA) certification in 1984.  She has over 38 years of banking experience and is a Certified Regulatory Compliance Manager (CRCM).