Are overdrafts something every institution should consider? Not necessarily, but in this session, we'll discuss the various types of overdraft programs out there, as well as the many statements and guidance from regulatory agencies over the past few years.

We'll also talk about risk management, particularly around consumer protection and UDAP/UDAAP. We'll discuss some best practices to ensure your program is doing exactly what you expect it to be doing, and how to handle the many risks that come with this timely topic.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