Loading...

Overdraft Programs and Related Issues - What Should We Do?

Discussion about the current state of overdraft programs, including regulatory requirements and recommendations, and a look to the future.

Upcoming
DATE

Tuesday, March 10, 2026
11:00 am - 1:00 pm

INSTRUCTOR

Carl Pry

FORMAT

Webinar

CREDIT TYPE

2.5 CRCM Credits

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Auditing
  • Compliance
  • Customer Service
  • Deposit
  • Deposit Accounts
  • Deposit Compliance
  • General Compliance
  • Reporting
  • Risk Management/Legal
  • Transaction Compliance
  • Bank Legal Counsel
  • Branch Manager
  • Compliance Officer
  • Customer Service Representative
  • Internal Auditor
  • New Accounts Representative
  • Private Banker
  • Risk Manager
  • Senior Management

Save on annual training costs with our Webinar Subscription Service and share webinars across your entire organization.

Become a subscriber

Learn about upcoming events, webinars and discounts.

Sign Up For Email Notifications

Overdrafts are certainly a topic we've heard a lot about lately. Are they outlawed? (Hint: No). Has the new administration commented much on them? (Not yet). Should we consider eliminating them? (Hint: No, but be careful). Even though there is no specific regulation on them per se, we have seen some institutions eliminating overdraft fees (and NSF fee as well) entirely, while others are considering reinstituting them. Are these concerns that should be considered by every institution? Regardless, it is important to understand exactly what is at issue and how to manage your program.

What You'll Learn

  • Should we eliminate overdraft (and/or NSF) fees?
  • Coverage under Reg. Z?
  • Discussions in Congress and at the regulatory agencies
  • Overdraft reform from the OCC, CFPB, and others
  • Overdrafts as UDAP/UDAAP? Considerations and factors
  • Are overdraft and NSF fees “junk fees”?
  • Authorized Positive, Settle Negative (APSN) issues
  • Differences between overdraft and NSF
  • Different types of overdraft programs and their risks
  • Compliance risks of overdrafts according to various regulations
  • Historical guidance and risk factors
  • Metrics to consider
  • Making the right decisions for your institution

Who Should Attend

Anyone curious about the current state of affairs when it comes to overdraft and related programs - whether it be fees, disclosures, or related issues.

Carl Pry

Instructor Bio


Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Advisor for Asurity Advisors in Washington, DC. Through his more than 35-year working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves as the Chair of the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.


Continuing Education Credit Information

Overdraft Programs and Related Issues - What Should We Do? has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

Print this page