and CONNECTICUT ABUSIVE LENDING PRACTICES ... - Bcac-ct.org

ANNUAL MEETING
TRUTH-IN-LENDING (REGULATION Z) and
CONNECTICUT ABUSIVE LENDING PRACTICES ACT
Program Date: Wednesday, December 7, 2005 (Note: Ends at 3:00 pm)
Join us for our Annual Meeting, where we will hear regulatory updates from Fillis Stober and
will hold the election of the 2006 Board of Governors.
Jeffrey Hubbell and Anne Cappelli, of the Connecticut Department of Banking, will review the
requirements of Truth in Lending (Regulation Z), including practical, hands-on calculation
examples and disclosure requirements, including HOEPA (Section 32, high-cost/high-fee rules).
What are the rescission rules? What do you need to include in your loan ads? How should the
HELOC and other ARM Program Disclosures be updated? How should corrections and
restitution be handled?
In addition, Jeff and Anne will discuss Connecticut’s Abusive Lending Practices Act and help us
determine how to calculate whether or not that law applies to a loan, including first mortgages
and refinances. What are your procedures to be sure this does not apply to you? (Refer to
C.G.S. §36a-746 for the law.)
Send your questions in advance (see reverse for sending questions)
Location Courtyard by Marriott, Waterbury, CT
Cost $70 (members); $90 (non-members)
Registration Due December 1, 2005
Who Should Attend Lenders; Loan Operations Staff; Compliance Officers; Auditors;
CRA Officer
AGENDA
8:30 am – 9:00 am Registration and Continental Breakfast
9:00 am – 9:30 am Regulatory Updates Fillis Stober, Esquire
9:30 am – 9:45 am Annual Meeting: Election of Board of Betsy Muzzicato, BCAC President
Governors for 2006
9:45 am – 11:00 am Truth in Lending Jeffrey Hubbell and Anne Cappelli, DOB
11:00 am – 11:15 am Break
11:15 am – 12:00 pm Truth in Lending (continued) Jeffrey Hubbell and Anne Cappelli, DOB
12:00 pm – 1:00 pm Luncheon (indicate choice on registration)
1:00 pm – 3:00 pm TIL (cont’d); CT Abusive Lending Practices Jeffrey Hubbell and Anne Cappelli, DOB
Program contacts: Betsy Muzzicato (860-379-7561) or Michele A. Johnson (203-526-1589)
UPCOMING PROGRAM
JANUARY – CRA and HMDA—Joan Bateman, FDIC

Bank Compliance Association of Connecticut
REGISTRATION FORM
Program and Luncheon Date:
December 7, 2005; Registration Due Date: December 1, 2005
Each attendee should complete a separate registration form. Photocopy this form if necessary.
Send by December 1, 2005, payable to BCAC, to:
Janice Southworth
Northwest Community Bank
86 Main Street
P. O. Box 1019
Winsted, CT 06098
Phone: 860-379-7561; Fax: 860-738-6004;
email: Southworth@nwcommunitybank.com
Name
Title
Organization
Phone #
E-Mail
Meal Choice _____ Chicken Picatta
_____ Pasta Primavera
Check the Box that Applies:
(Reminder: BCAC membership is on an individual basis, not bank/organization.)
Member $70
Non-Member $90
Attending in
Lieu of
BCAC
Member
Group
Discount
Applies
A BCAC non-member may attend in place of a member at the
member rate. Please provide the name of the BCAC member:
If one or more non-member(s) attends with at least four other
individuals from the same bank/organization and one individual
is a BCAC member, the cost for each attendee is the member
rate. Please provide the names of the others in the group:
Refund Policy: A refund will be issued if you contact the program chairperson at least 72 hours prior to the scheduled program. The refund will
be in the form of a credit toward a future meeting.
Cancellation Policy: If the program is canceled, it will be canceled one day prior to the program and registered attendees will be notified. A new
flyer will be sent to all members announcing the rescheduled program. At the discretion of the BCAC, a refund will be made or credit will be
given for a future program.
ADVANCE QUESTIONS FOR THE SPEAKERS
(Your name and bank will remain confidential)
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