Welcome to the Compliance Cohort. We are a group of compliance professionals working to make compliance easier. Our goal is to take complex compliance concepts and put them in simple terms that apply to the real world. We are glad you have found us and look forward to collaborating in the future.
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All tagged Video
In this Compliance Clip (video), Adam discusses how consumer negligence can (or cannot) be considered when conducting an investigation of an “error” under Regulation E. Specifically, he answers two questions regarding a customer being negligent in handling their PIN as well as whether a financial institution can add language to their account disclosures that limit a consumers liability. A transcript of this video is now available.
In this Compliance Clip (video), Adam explores whether lenders can reuse a previous flood determination when refinancing or assuming a loan, or when multiple loans are secured by the same property. He discusses why the answer isn’t always as straightforward as it may seem and highlights the regulatory guidance lenders need to consider before relying on an existing determination. A transcript of this video is now available.
In this Compliance Clip (video), Adam explores an important question about the timing of the flood notice when a loan involves property located in a high-risk flood zone. He discusses what lenders should consider when determining how far in advance the notice should be provided and highlights guidance that can help lenders avoid potential compliance issues. A transcript of this video is now available.
In this Compliance Clip (video), Adam discusses what effective flood compliance training for a Board of Directors should include and why finding the right level of detail can be challenging. He explains the unique role Directors play in overseeing flood compliance and the importance of providing training that is meaningful without overwhelming them with regulatory details. A transcript of this video is now available.
In this Compliance Clip (video), Adam explains the key events that trigger a financial institution's flood insurance compliance requirements. Learn when flood rules apply and why understanding these compliance triggers is essential for ensuring your institution meets its regulatory obligations. A transcript of this video is now available.
In this Compliance Clip (video), Adam explores a challenging scenario involving Suspicious Activity Report (SAR) obligations when the subject of the report is a member of the board itself. Through a real-world example, Adam highlights the tension between regulatory reporting requirements and strict confidentiality rules. Adam also points toward key guidance on how institutions should navigate this sensitive situation without breaching compliance expectations.
In this Compliance Clip (video), Adam discusses how financial institutions can approach BSA training for their board of directors in a way that aligns with examiner expectations while remaining practical and effective. Adam highlights key considerations around balancing foundational knowledge with ongoing updates, as well as tailoring content to a board-level audience. A transcript of this video is now available.
In this Compliance Clip (video), Adam explores a key BSA/AML question that many financial institutions face: how to handle the timeline when suspicious activity continues after an initial SAR filing. Drawing on longstanding guidance and more recent clarification, Adam walks through how institutions should think about timing and the practical challenges that can arise. If you've ever wondered how the continuing activity timeline actually works in practice, this quick overview will point you in the right direction. A transcript of this video is now available.
In this Compliance Clip (video), Adam tackles a nuanced appraisal question many lenders encounter: can a borrower request a second appraisal when the bank already has an acceptable one on file? Using a real-world scenario, Adam quickly explains the key regulatory and risk considerations, outlining practical compliance expectations, common missteps, and how institutions should approach situations like this. A transcript of this video is now available.
In this Compliance Clip (video), Adam reviews FinCEN’s October 2025 FAQ guidance addressing whether a SAR is required for transactions near the $10,000 CTR threshold. He explains what the guidance says, how it applies to potential structuring activity, and what financial institutions should keep in mind for compliance. A transcript of this video is now available.
