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Bankers Resource Center

Technical Assistance Video Program

Last Updated: June 30, 2023

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:

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.

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.