BEGIN: VCALENDAR
VERSION: 2.1
BEGIN: VEVENT
DTSTART: 20130305T200000Z
DTEND: 20130305T213000Z
SUMMARY: What You Need to Know about Guarantors, Co-Signers, Personal Guarantees & Joint Applications, Including Security & Collateral Implications
LOCATION: Your Credit Union


Oklahoma City, Oklahoma
 - Credit Union Association of Oklahoma: http://www.oklahomacreditunions.coop
UID: 1149
DESCRIPTION;ENCODING=QUOTED-PRINTABLE: Date: March 5, 2013 =0D=0A=0D=0ATime: 2:00 PM- 3:30 PM CST =0D=0A=0D=0AAbout:  =0D=0A=0D=0AThere is often confusion regarding the distinction between a guarantor and a co-signer, and the situations where it is permissible to require a guarantor or a co-signer on a loan.  Do you understand the legal prohibitions against requiring a spouse to be a guarantor or co-signer?  Are you aware of the new rules about proving that applicants applied for joint credit?  The Equal Credit Opportunity Act and Regulation B are a major focus of the NCUA and the CFPB, so your credit union must be well-trained in this complicated area.   =0D=0A=0D=0A =0D=0A=0D=0ABesides reviewing the related laws and regulations, this webinar will explain the proper procedures to use when evaluating the use of a guarantor or a co-signer and when proving that applicants applied for joint credit.  This webinar will also address the proper procedures to obtain a security interest in jointly-held collateral while not violating the laws and regulations.  After participating in this webinar, you will be prepared to answer examiners’ questions on this topic. =0D=0A=0D=0A =0D=0A=0D=0A     Highlights =0D=0A=0D=0A     > Differences between a guarantor and a co-signer =0D=0A=0D=0A     > Restrictions on requiring a spouse to guarantee or co-sign =0D=0A=0D=0A     > When can you require a spouse to sign a security agreement? =0D=0A=0D=0A     > How to prove that applicants applied for joint credit =0D=0A=0D=0A     > Specific provisions that should be included in guaranty and security agreements =0D=0A=0D=0A     > When is it acceptable to go against the guarantor before going against the borrower? =0D=0A=0D=0A     > TAKE-AWAY TOOLKIT =0D=0A=0D=0A           - Interagency Fair Lending Examination Procedures used by NCUA =0D=0A=0D=0A           - Examination Procedures Checklist used by the CFPB =0D=0A=0D=0A =0D=0A=0D=0A =0D=0A=0D=0A =0D=0A=0D=0A =0D=0A=0D=0A =0D=0A=0D=0A =0D=0A=0D=0ARegistration Options: =0D=0A=0D=0A =0D=0A=0D=0ALive Webinar- $200  =0D=0A=0D=0AThe LIVE WEBINAR option allows you to have one =0D=0A=0D=0Atelephone connection for the audio portion and one Internet connection =0D=0A=0D=0A(from a single computer terminal) to view online visuals as the =0D=0A=0D=0Apresentation is delivered.  You may have as many people as you like =0D=0A=0D=0Alisten from your office speaker phone.  Registrants receive a toll-free =0D=0A=0D=0Anumber and pass code that will allow entrance to the seminar. The =0D=0A=0D=0Asession will be approximately 90 minutes, including question and answer =0D=0A=0D=0Asessions.  Seminar materials, including instructions, pin number, and =0D=0A=0D=0Ahandouts will be emailed to you prior to the broadcast.  You will need =0D=0A=0D=0Athe most current version of Adobe Reader available free at www.adobe.com. =0D=0A=0D=0A =0D=0A=0D=0AOn Demand Web Link & CD- $200 =0D=0A=0D=0ACan’t attend the live webinar?  The ON-DEMAND WEB LINK =0D=0A=0D=0Ais a recording of the live event including audio, visuals, and =0D=0A=0D=0Ahandouts.  We even provide the presenter’s email address so you may ask =0D=0A=0D=0Afollow-up questions.  Approximately 1 week prior to the webinar, you =0D=0A=0D=0Awill receive an email with the web link.  This web link can be viewed =0D=0A=0D=0Aanytime 24/7, beginning 6 business days AFTER the webinar and will =0D=0A=0D=0Aexpire 6 months after the live program date.  But there's more . . . AS =0D=0A=0D=0AAN ADDED BONUS, you will also receive a FREE audio/visual CD ROM.*  The =0D=0A=0D=0ACD ROM includes the original audio/visual presentation, the question and =0D=0A=0D=0Aanswer sessions, and the handouts.  Use the on-demand link or this =0D=0A=0D=0A“off-the-shelf” training program for those that could not attend the =0D=0A=0D=0Alive seminar and for future training. =0D=0A=0D=0A =0D=0A=0D=0ALive Webinar & On-Demand Web Link (INCLUDES FREE CD-ROM)- $250 =0D=0A=0D=0AIncludes options 1 and 2 above =0D=0A=0D=0ASpecial Registration Option for member credit unions under $20 million-$169 =0D=0A=0D=0AOn-demand link only (does not include CD or live webinar) =0D=0A=0D=0A =0D=0A=0D=0A =0D=0A=0D=0A*To register for this webinar, click here.  =0D=0A=0D=0A =0D=0A=0D=0AFor more information, please contact Carrie Buchholz at:  =0D=0A=0D=0A(P) 405.702.8622 ext. 215 =0D=0A=0D=0A(E) carrie@cuaok.org 
End: VEVENT
End: VCALENDAR