The Technical Assistance Video Program is a series of educational videos designed to provide useful information to bank directors, officers, and employees on areas of supervisory focus and regulatory changes. These videos are available on the FDIC’s YouTube channel.
Videos for Bank Board Members
These videos provide information to bank board members about their fiduciary role and responsibilities as well as other subjects pertaining to banking and regulatory issues. Topics include:
- Overview of the FDIC and the Examination Process (30:10)
This video provides an overview of the FDIC, the FDIC's mission, and the examination process. - Corporate Governance (32:01)
This video highlights the importance of corporate governance and describes the roles of individual directors and the board as a whole. - Information for New Board Members (14:10)
This video provides information for new bank board members and an overview of their responsibilities. - Current Expected Credit Losses (15:18)
This video provides an overview of the Current Expected Credit Losses methodology, compares it to the incurred loss methodology, and delineates board and management responsibilities. - Interest Rate Risk: Managing Interest Rate Risk (29:00)
This video provides an overview of interest rate risk and how a bank’s board of directors can best oversee this area. - Cybersecurity Awareness (23:34)
This video provides background information on cybersecurity and discusses the board’s role in overseeing their bank’s cybersecurity efforts. - Information Technology (20:28)
This video provides information for bank directors and trustees regarding oversight of a bank’s information technology program and FDIC information technology examinations. - Anti-Money Laundering/Countering the Financing of Terrorism (38:00)
This video provides an overview of a bank director’s responsibilities relative to the Bank Secrecy Act (BSA) and related regulations. The video details resources that may assist institutions in assessing and monitoring BSA compliance. - Fair Lending Overview: Credit Discrimination Risks and the FDIC Fair Lending Review Process (29:00)
This video provides a bank’s Board of Directors and senior management with an overview of the fair lending rules and credit discrimination risks, describes how a bank’s compliance management system can help identify and mitigate such risks, and explains how FDIC examiners conduct fair lending reviews. - The Community Reinvestment Act (30:14)
This video is designed to provide bank directors with foundational knowledge regarding the Community Reinvestment Act.
Note: This video does not address the interagency notice of proposed rulemaking released on May 5, 2022 to revise the Community Reinvestment Act regulations.
Videos for Bank Officers and Employees
These videos provide technical training to bank officers and employees on a range of regulatory issues. Topics include:
TYPES OF INTEREST RATE RISK (10:02)
This video describes the types of interest rate risk.
MEASUREMENT SYSTEMS (12:29)
This video provides information regarding the various interest rate risk measurement systems.
DEPOSIT ASSUMPTIONS (11:39)
This video describes various deposit assumptions used by banks in the measurement of interest rate risk.
RATE CHANGES AND PREPAYMENT ASSUMPTIONS (08:57)
This video describes rate changes and prepayment assumptions used by banks in the measurement of interest rate risk.
RISK LIMITS AND MITIGATION (09:06)
This video provides information pertaining to establishing risk limits and setting mitigation strategies for interest rate risk management.
INTERNAL CONTROL AND REVIEW (08:16)
This video describes internal controls used for and independent reviews of the interest rate risk management process.
CYBERSECURITY AWARENESS FOR BANK OFFICERS (31:15)
This video discusses the important role bank officers have in designing and maintaining information security programs in a dynamic and evolving cyber threat environment.
The FDIC created Cyber Challenge: A Community Bank Cyber Exercise to encourage community financial institutions to discuss operational risk issues and the potential impact of information technology disruptions on common banking functions.
Institutions may use a free-flowing or facilitated discussion of the vignettes. Here are guidelines for organizing a discussion and suggested ground rules. Participants in the Cyber Challenge should treat it as a data-gathering event and follow a non-attribution policy. Participants may want to record their discussions during the exercise to help compile lessons learned and identify areas for improvement.
I. ITEM PROCESSING FAILURE (03:47)
A new item processing service provider cannot process the volume of transactions generated by the bank.
II. CUSTOMER ACCOUNT TAKEOVER (02:46)
A corporate customer reports unauthorized withdrawals on its account.
III. BANK INTERNAL ERROR/PHISHING AND MALWARE PROBLEM (01:36)
Bank staff receive a phishing email that appears to have been sent by the institution’s president.
IV. TECHNOLOGY SERVICE PROVIDER PROBLEM (02:27)
Problems ensue after the financial institution’s service provider updates its system.
V. DISTRIBUTED DENIAL OF SERVICE (DDoS) ATTACK (03:55)
The bank IT manager investigates a possible DDoS attack and discovers a second attack that steals data from the institution.
VI. AUTOMATED TELLER MACHINE (ATM) MALWARE (04:29)
ATM malware reveals deficiencies in a bank’s service provider contract.
VII. RANSOMWARE (04:43)
A cyber-attack has taken place, and important files are being held for ransom.
VIII. FLOOD (03:16)
Communications problems ensue after the bank’s data center floods.
IX. SUPPLY CHAIN (03:56)
A third-party software update infects the bank’s system, disrupting core processing and steals data.
HOW A BANK’S COMPLIANCE MANAGEMENT SYSTEM HELPS IDENTIFY AND MITIGATE FAIR LENDING RISK
This video provides bank management and compliance staff with practical information on developing and maintaining an effective compliance management system that helps identify and mitigate fair lending risk.
AN OVERVIEW OF THE FDIC FAIR LENDING REVIEW PROCESS
This video provides bank management and compliance staff with information about how FDIC examiners evaluate fair lending risk during a consumer compliance examination.
UNDERSTANDING FAIR LENDING RISK IN THE CREDIT PROCESS: OVERT DISCRIMINATION
This video provides an overview of overt discrimination risk and discusses how a bank’s compliance management system can help address such risk.
UNDERSTANDING FAIR LENDING RISK IN THE CREDIT PROCESS: UNDERWRITING
This video provides an overview of underwriting discrimination risk and discusses how a bank’s compliance management system can help address such risk.
UNDERSTANDING FAIR LENDING RISK IN THE CREDIT PROCESS: PRICING
This video provides an overview of pricing discrimination risk and discusses how a bank’s compliance management system can help address such risk.
UNDERSTANDING FAIR LENDING RISK IN THE CREDIT PROCESS: STEERING
This video provides an overview of steering discrimination risk and discusses how a bank’s compliance management system can help address such risk.
UNDERSTANDING FAIR LENDING RISK IN THE CREDIT PROCESS: REDLINING
This video provides an overview of redlining discrimination risk and discusses how a bank’s compliance management system can help address such risk.
UNDERSTANDING FAIR LENDING RISK IN THE CREDIT PROCESS: MARKETING
This video provides an overview of marketing discrimination risk and discusses how a bank’s compliance management system can help address such risk.
Ability-to-Repay/Qualified Mortgages (4 Videos)
ABILITY-TO-REPAY & QUALIFIED MORTGAGES: INTRODUCTION
This segment is the first of the three-part video series covering compliance with the mortgage-related rulemakings issued by the Consumer Financial Protection Bureau (CFPB). This video series is designed for community bank compliance officers, to help facilitate understanding of how to comply with these rules. The series begins with the Ability to Repay & Qualified Mortgages rule (ATR/QM rule) with a special focus on aspects of the ATR/QM rule of particular interest to community bankers.
ABILITY-TO-REPAY & QUALIFIED MORTGAGES: THE CORE REQUIREMENT: A REASONABLE DETERMINATION OF AN ABILITY-TO-REPAY
Segment two of the ATR/QM video reviews the most basic requirement of the ATR/QM rule: the determination of a consumer’s ability to repay a loan that is a covered transaction. It identifies what types of transactions are covered by the ATR/QM rule, and the exemptions most relevant to community bankers.
ABILITY-TO-REPAY & QUALIFIED MORTGAGES: HOW TO DEMONSTRATE COMPLIANCE FOR NON-QMS: THE EIGHT FACTORS
Emphasizing the commonsense underwriting intended by the rule, this segment of the ATR/QM video details how creditors make a reasonable ability to repay a loan that is not a Qualified Mortgage (QM). The segment reviews the eight factors that must be considered and verified in making a credit decision, and briefly highlights the types of documentation that can be used to verify the information.
ABILITY-TO-REPAY & QUALIFIED MORTGAGES: THE QUALIFIED MORTGAGE PRESUMPTIONS
Segment four reviews the characteristics and effects of the two kinds of presumptions associated with QMs. In addition, it highlights the expanded eligibility of the “safe harbor QM” for “small creditors.”
Loan Originator Compensation Rule (5 Videos)
LOAN ORIGINATOR COMPENSATION RULE: INTRODUCTION
This segment introduces the Loan Originator Compensation Rule (LO Comp Rule) Video as one of three FDIC videos covering compliance with the mortgage rules issued by the Consumer Financial Protection Bureau (CFPB). This video series is designed for community bank compliance officers, to help facilitate compliance with these rules. The LO Comp Rule Video brings a special focus on those provisions of the rule of particular interest to community banks.
LOAN ORIGINATOR COMPENSATION RULE: LO COMP RULE PURPOSE, COVERAGE AND OVERVIEW; “LOAN ORIGINATOR” AND “COMPENSATION” DEFINED
Segment two highlights the major components of the LO Comp Rule and reviews the rule’s most basic requirement: for any loan that is a covered transaction, no loan originator can receive and no person can pay to a loan originator, directly or indirectly, compensation in an amount that is based on terms of transactions (or proxies for terms) either of a single loan originator or multiple loan originators. As part of this review, the segment examines: what loans are covered by the rule; who is and who is not a “loan originator” for purposes of the rule; and what constitutes “compensation” under the rule.
LOAN ORIGINATOR COMPENSATION RULE: LOAN ORIGINATOR COMPENSATION BASED ON LOAN TERMS OR PROXIES IS PROHIBITED; EXCEPTIONS FOR PROFITS-BASED COMPENSATION
Segment three delves into the rule’s compensation provisions in depth, focusing primarily on the prohibition against loan originator compensation based on loan terms or proxies for loan terms. This segment examines what are loan terms under the rule and how to analyze whether a factor that is not a loan term may be a “proxy” for a loan term. This segment also examines the rule’s exceptions allowing for certain profits-based compensation; community banks may find these exceptions of particular benefit to their mortgage lending operations.
LOAN ORIGINATOR COMPENSATION RULE: OTHER COMPENSATION ASPECTS OF THE RULE; RECORD RETENTION REQUIREMENTS AND REQUIRED POLICIES AND PROCEDURES
Segment four examines the permissibility of pricing concessions and the practices of dual compensation and steering. This segment also reviews the rule’s record retention requirements and its requirement to establish and maintain written policies and procedures.
LOAN ORIGINATOR COMPENSATION RULE: BUILDING AN EFFECTIVE COMPLIANCE MANAGEMENT SYSTEM (CMS) FOR THE LO COMP RULE; PRESENTATION RECAP AND RESOURCES
This segment focuses on what institutions could consider when building and maintaining an effective compliance management system for the LO Comp Rule, and offers some practical tips for ensuring compliance. The segment then closes out the LO Comp Rule video presentation by briefly reviewing the topics covered and highlighting those aspects of the rule that should prove helpful to community banks. Finally, this segment lists resources to consult for additional information about the LO Comp Rule.
Small Servicers (5 Videos)
OVERVIEW OF MORTGAGE SERVICING: DETERMINING YOUR SMALL SERVICER STATUS
This video provides an overview of mortgage servicing and describes how to determine whether a servicer meets the definition of a small servicer under Regulation Z.
FOCUS ON SMALL SERVICERS: KEY REQUIREMENTS FOR SMALL (AND LARGE) SERVICERS
This video describes key provisions for which small servicers do not have an exception. These are the provisions that all servicers, small and large, must comply with.
IF YOU BECOME A LARGE SERVICER: RULES FOR LARGE SERVICERS
This video provides an overview of some of the requirements that apply to large servicers and from which small servicers are exempt. This video is useful for large servicers.
SERVICER OBLIGATIONS TO SUCCESSORS IN INTEREST
This video describes successors in interest, including the definition of successor in interest and a general overview of what to be aware of when working with successors in interest.
THE COMPLIANCE MANAGEMENT SYSTEM AND THE SERVICING RULES
This video provides information and examples related to developing a compliance management system that considers the mortgage servicing rules.
BANKER ENGAGEMENT SITE INTRODUCTION
On September 6, 2023, the FDIC launched the secure and efficient portal to exchange documents, information, and communications for consumer compliance and Community Reinvestment Act examinations. The video will discuss the benefits of the BES, review the various pre-examination planning components, and navigate users through the system. It is intended to provide a high-level overview to give users an understanding of the site layout, features, and avenues of communication with the exam team.
BANKER ENGAGEMENT SITE ACCESS
The Banker Engagement Site Access video will review the steps that the bank`s FDICconnect Coordinator must take to gain access to the site; how to authenticate bank users to BES; and how the BES Administrator will assign BES Contributors access to each PEP component. It is intended to provide a high-level overview that can be used in conjunction with the BES Access Job Aid and the BES User Guide.
BANKER ENGAGEMENT SITE EXTERNAL REGULATOR ACCESS
On February 17, 2024, the FDIC launched the secure and efficient portal to exchange documents, information, and communications for consumer compliance and Community Reinvestment Act examinations with State Examiners. This training video discusses the benefits of the Banker Engagement Site External Regulator Access (BES ERA), reviews the various functionalities, and navigates users through the system. It is intended to provide a high-level overview to give users an understanding of the site layout, features, and avenues of communication between the financial institution and exam team.