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Overview

Protect Your Money

Banks invest millions of dollars annually to protect consumers’ information and defend against fraud. Below are several resources you can use to help protect your financial information. 

Press release Beth Mills

California Bankers Association Announces Support for Legislative Measure to Provide Important Tax Relief to Underwater Homeowners

SACRAMENTO – The California Bankers Association (CBA) announced today its sponsorship of Senate Bill 339 (Cannella, R – Ceres), which will extend important tax relief to borrowers who under this legislation will not be required to report the amount of debt forgiven by a lender due to a principal reduction resulting from a loan modification. The measure applies to debt forgiven from January 1, 2013, to December 31, 2013.

Press release Beth Mills

Governor Brown Signs into Law California Bankers Association Sponsored Legislation Providing Important Tax Relief to Homeowners with Forgiven Mortgage Debt

SACRAMENTO – The California Bankers Association (CBA) released the following statement regarding the signing of Assembly Bill 1393 (Perea), which extends important tax relief to borrowers, who as a result of this legislation, will not be required to report as income the amount of debt forgiven by a lender due to a principal reduction resulting from a loan modification. The measure applies to debt forgiven from January 1, 2013, to December 31, 2013, and was signed into law today by Governor Brown.

Press release Beth Mills

California Bankers Association Announces Plans to Again Sponsor Legislation Extending Important Tax Relief to Homeowners

SACRAMENTO – The California Bankers Association (CBA) announced today its intention to sponsor a bill in 2015 that will extend important tax relief to homeowners who received a principal reduction from a loan modification, or completed a short sale, in 2014. Under the bill, homeowners would not be required to report the amount of debt forgiven as taxable income. The measure will apply to debt forgiven from January 1, 2014, to December 31, 2014.

Press release

The California Bankers Association and Beacon Economics Release California Banking Industry Intelligence Report
Report provides an overview of the banking sector, current interest rate environment and expected Federal Reserve action

Sacramento, Calif. — The California Bankers Association (CBA), one of the largest state banking trade associations, and Beacon Economics have released a fifth California banking report that examines important issues currently affecting California’s banks and the overall economy. The report is authored by Chris Thornberg, Ph.D., founding partner, and Jordan Levine, economist and director of economic research, at Beacon Economics.

General information

CBA Resources to Get Prepared for .bank Domain Name Availability

Thousands of new domains – including .bank – are making their way to the Internet.  The American Bankers Association partnered with banking industry participants to establish  fTLD Registry Services to operate .bank and ensure it is governed in the best interests of banks and their customers. Only verified members of the banking community will be able to register .bank domains.

Press release

CBA Urges Community Banker Pick for Federal Reserve Board

The CBA joined the ABA and state bankers associations as signatories on a letter urging President Obama to nominate a community banker to serve on the Federal Reserve Board, which currently has multiple vacancies. The letter stresses the vital role community banks play in both their local economies and the overall national economy, and the key role the Federal Reserve plays in promoting the strength and vitality of community banks.

General information

CBA Urges Community Banker Pick for Federal Reserve Board

The CBA recently joined the ABA and state bankers associations as signatories on a letter urging President Obama to nominate a community banker to serve on the Federal Reserve Board, which currently has multiple vacancies. The letter stresses the vital role community banks play in both their local economies and the overall national economy, and the key role the Federal Reserve plays in promoting the strength and vitality of community banks.

Press release Mortgage Banking Magazine

The California Test Case

Click here to read about the California Bankers Association’s perspective on the one-year implementation anniversary of the California Homeowner Bill of Rights in Mortgage Banking Magazine.

Event National Registry of CPE Sponsors

2014 Regulatory Compliance School
Omni Rancho Las Palmas


Approved for 41.75 credits by the ABA Institute of Certified Bankers (ICB) toward your Certified Regulatory Compliance Manager (CRCM) certification!

The continued fallout from Dodd-Frank has brought an increased focus by federal regulators on protecting consumers from alleged bank excesses, lead by the Consumer Financial Protection Bureau. You’ll see more emphasis on the compliance management and oversight responsibilities of senior management and Directors. Also you’ll be subject to a steadily increasing ramp-up of Fair Lending issues (and penalties).

Bank compliance today requires the type of information and support that begins with the CBA’s Regulatory Compliance School; it encompasses a network of peers you will get to know at the School. . .and provides the awareness bankers need when managing a cost effective compliance system.

General information

CBA Partners with State Controller’s Office to Highlight Manage Your Money Week: Oct. 18-25
Join us by signing up your bank to participate and partner today!

The California’s Bankers Association is pleased to partner with the State Controller’s Office to highlight Manage Your Money Week, an effort between state and local government agencies, non-profit organizations, schools, libraries and financial institutions to host free money management education events and promote the importance of good money management practices in communities throughout California. 

General information

Small Business Investment Alliance Invites CBA Members to Attend Seminar on CRA Investing

The Small Business Investment Alliance (SBIA) and KPMG would like to invite CBA members to participate in an upcoming complimentary educational event: CRA Investing: An Alternative Approach, in San Francisco on Thursday, November 13. Officials from the Small Business Administration and the OCC will provide presentations, and a banker panel discussing investing in small business investment companies is also on the agenda.

Course

Self-Paced Courses by Category

Business Banking and Commercial Lending

Credit Products for Small Businesses

Deposit Products and Services for Small Businesses

Fundamentals of Small Business Banking

Introduction to Analyzing Financial Statements

Retirement Products for Small Businesses

Small Business Borrowing

 

Evaluating and Structuring Commercial Loans

Level 1: Understanding Business Borrowers

Level 2: Analyzing Business Financial Statements and Tax Returns

Level 3: Analyzing Personal Financial Statements and Tax Returns

Level 4: Qualitative Analysis and Determining a Credit Risk Rating

Level 5: Loan Structuring, Documentation, Pricing and Problem Loans

 

The Commercial Real Estate Lending Decision Process (RMA)

Series 1: Types of CRE Loans, Risk Areas and Performance Drivers

Series 2: The CRE Underwriting Process

Series 3: Financing Different Types of Commercial Properties

Series 4: Understanding and Evaluating Leases, Appraisals and Environmental Assessments

Series 5: Loan Structure and Documentation Considerations

Series 6: Construction Lending

 

The Lending Decision Process

Series 1: Evaluating Industry, Markets and Management

Series 2: Evaluating Quality of the Borrower’s Financial Reports

Series 3: Analyzing the Company’s Financial Performance and Financial Condition

Series 4: The Cash Cycle, Seasonality and Discovering Borrowing Causes and Repayment Sources

Series 5: Analyzing Cash Flow Statement and Measuring Repayment Ability

Series 6: The Cash Cycle and Seasonality

Compliance and Risk Management

Online Training for Compliance Professionals

Anatomy of a Regulation for Compliance Professionals

Community Reinvestment Act (CRA), Community Bank

Community Reinvestment Act (CRA), Large Bank

Credit Card Regulations

Elements of a Compliance Program

Equal Credit Opportunity Act (ECOA) Reg B

Fair Credit Reporting Act (FCRA)

Home Mortgage Disclosure Act (HMDA)

Loans to Insiders (Reg O)

National Flood Insurance Regulations

Real Estate Settlement Procedures Act (RESPA)

Reg Z Closed-End Credit

Reg Z Open-End Credit

Servicemembers Civil Relief Act (SCRA)

Unfair, Deceptive or Abusive Acts or Practices (UDAAP)

 

ABA Frontline Compliance Training

Americans with Disabilities Act (ADA)

Bank Bribery Act

Bank Protection Act

BSA/AML: CIP Advanced

BSA/AML: CIP Basics

BSA/AML: Communicating with Customers about CTRs

BSA/AML: Completing the CTR

BSA/AML: Complying with the BSA

BSA/AML: Exempting Customers from CTR Reporting

BSA/AML: Overview

BSA/AML: Recordkeeping – Wires, Money Orders, and Other Challenges

BSA/AML: Reporting

BSA/AML: Risk Assessment and Customer Due Diligence

BSA/AML: SAR Reporting

BSA/AML: USA PATRIOT Act

Community Reinvestment Act (Reg BB)

Elder Financial Abuse

Electronic Fund Transfer Act (Reg E)

Equal Credit Opportunity Act (Reg B)

Expedited Funds Availability Act (Reg CC)

Extending Credit to Bank Insiders (Reg O)

Fair Credit Reporting Act (FCRA)

Fair Debt Collection Practices Act

Fair Housing Act

Fair Lending

FDIC Insurance Coverage

Flood Disaster Protection Act

Home Mortgage Disclosure Act (HMDA)

Homeowners Protection Act

Information Security and Red Flags

Office of Foreign Assets Control (OFAC)

Privacy for Customer Contact Personnel

Real Estate Settlement Procedures Act (RESPA)

Recognizing and Preventing UDAAP

Reg Z Adjustable Rate Mortgages

Reg Z Advertising

Reg Z Credit Cards

Reg Z HELOCs (Open-End Credit)

Reg Z HOEPA and High-Cost Mortgage Loans

Reg Z Installment and Home Equity Loans (Closed-End Credit)

Reg Z Mortgages (Closed-End Credit)

Reg Z Non Home Secured (Open-End Credit)

Reg Z Overview

Reg Z Private Higher Education Loans

Reg Z Reverse Mortgages

Reg Z Right of Rescission

Reserve Requirements for Depository Institutions (Reg D)

Robbery and Bank Security

Serving Your Military Customer

Sexual and Workplace Harassment

Sexual and Workplace Harassment for Managers

The Consumer Remittance Rule

The S.A.F.E. Act – Secure and Fair Enforcement for Mortgage Licensing Act

Truth in Savings Act (Reg DD)

Unlawful Internet Gambling Enforcement Act (UIGEA)

Executive Education

Ethical Issues for Bankers

Management, Sales, and Workplace Skills

Management Skills

Coaching for Success

Corrective Action

Hiring the Best

Leveraging the Benefits of a Diverse Workforce

Managing Change

Managing Employee Performance

Managing Employee Relations

Rewards and Recognition

Sexual and Workplace Harassment for Managers

 

Sales Skills

Building and Retaining Customer Relationships

Calling on Small Business Customers

Cross-Selling Deposit Products

Effective Client Referrals

Event-Based Selling Curriculum

Handling Mortgage Inquiries and Making Referrals

Introduction to Relationship Selling

Qualifying Mortgage Prospects

Referring Insurance and Annuity Clients

Referring Investment Clients

Referring Trust Clients

Relationship Selling to Small Business Customers

Revitalizing Customer Service

Sales Coaching

Servicing and Growing Small Business Relationships

Successful Sales Campaigns

Tele-Consulting

 

Workplace Skills

Dealing Effectively with Co-Workers

Effective Telephone Communication

Effective Written Communication

Essentials of Workplace Conduct

Improving Productivity

Managing Time at Work

Meetings that Work

Presentation Skills

Project Management Fundamentals

Sexual and Workplace Harassment

Mortgage Lending

Effective Client Referrals

Ethical Issues for Bankers

Introduction to Relationship Selling

Personal Tax Return Analysis

Qualifying Mortgage Prospects

Handling Mortgage Inquiries and Making Referrals

 

Residential Lending Courses (AllRegs)

Appraisal Procedures

Completing the HUD-1

Discovering FHA Programs

Elements of Title Insurance

Essentials of Mortgage Lending

Explaining Loan Modifications

Gathering the Facts on Mortgage Fraud

Processing and Underwriting Credit

Processing Income and Assets

Reviewing the Appraisal Report

Retail Banking and Marketing

General Banking

Banking Today

Ethical Issues for Bankers

Robbery and Bank Security

Teller Basics

 

Product Knowledge

Consumer Credit Products

Credit Products for Small Businesses

Deposit Products and Services for Small Businesses

Fundamentals of Consumer Lending

Fundamentals of Small Business Banking

Introduction to Analyzing Financial Statements

Introduction to IRAs

Personal Tax Return Analysis

Retirement Products for Small Businesses

Small Business Borrowing

Understanding Bank Products

Wealth Management & Trust

A Guide To Ethics for Trust Professionals Curriculum

Wealth Management and Trust Online Training Courses

 

Estate Planning & Trust Activities

Account Acceptance and Termination

Basic Characteristics of a Trust

Discretionary Distributions

Duties and Powers of the Trustee

Estate and Guardian Administration

Estate Planning to Achieve Client Goal

Estate Planning for Charitable Giving

Estate Planning for the Marital Deduction

Estate Planning Solutions for the Business Owner

Fiduciary Law

A Guide to Ethics in Fiduciary and Trust Activities

Minimizing Fiduciary Risk and Litigation

Special Needs Trusts

 

Investment Planning

Asset Allocation and Portfolio Management

Bond Selection and Analysis

Economics & Markets

Fundamentals of Alternative Investment Products

A Guide to Ethics in Investments

Investment Policy

Investment Products

Prudent Portfolio Management

Stock Selection and Analysis

 

Financial Planning

Education Planning Solutions for Minors

Estate Planning for IRAs and Qualified Plan Balances

Fundamentals of Life Insurance

A Guide to Ethics in Financial Planning

Income Tax Planning

Introduction to IRAs

Introduction to Planning for Retirement Assets

Managing Life Insurance Policies

Types of Insurance

 

Tax Law & Tax Planning

Fiduciary Income Tax

Generation-Skipping Transfer Tax

Gift Taxation

A Guide to Ethics in Tax Law and Tax Planning

How Trusts Are Taxed

Planning for Estate Tax

Understanding Transfer Tax

 

Wealth Management and Trust Fundamentals

Introduction to Estate Planning

Introduction to Investment Management

Introduction to Trust Administration

Course

IRA Online Institute

Description: IRA Online Institute is an intensive 12-week course developed and supported by Ascensus’ professional instructors that teaches in-depth, essential IRA information on Traditional IRAs, Roth IRAs, SEP plans, and SIMPLE IRA plans. Ascensus has tailored its premier on-site IRA training so attendees can conveniently access the web-based study material and submit assignments. Students should expect to spend 15-20 hours a week completing the readings and assignments depending on the student’s prior knowledge of IRAs. The Online Institute is an Institute of Certified Bankers-approved educational program for the Certified IRA Services Professional (CISP) designation.

General information

Analyzing Financial Statements
8th Edition

A Decision Tree Approach, Part 1

Analyzing Financial Statements provides the skills a lender needs to conduct a comprehensive and effective financial analysis of a business borrower. Analyzing Financial Statements clearly illustrates each step required in reviewing the financial statements provided by loan applicants to determine whether a borrower can repay debt to your institution. Realistic case studies and practical application exercises provide hands-on experience in analyzing income statements, balance sheets, and tax forms.

Post

ABA Universal Banker Certificate

The ABA Universal Banker Certificate provides banking knowledge and skills needed for the newest and fastest growing role in retail banking. Universal bankers have multi-faceted job responsibilities, ranging from minimal cash handling and basic transactions to product and service sales, and referrals to other lines of business. The coursework in the certificate ranges from key product knowledge to relationship building, customer service, and expert referral skills.