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Continuing Education

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Continuing Education

Mortgage Origination Calculations

The Mortgage Origination Calculations course is designed to enhance examiners’ skills when reviewing mortgage loan disclosures for compliance with the Truth in Lending Act (TILA). The course will teach mortgage origination fundamentals of varying complexity using both the HP12-C financial calculator and FFIEC’s online annual percentage rate (APR) computational tool.

The school provides practical instruction for reviewing mortgage loan calculations using “real-world” examples. The course is an interactive, iterative course wherein each lesson builds upon previous lessons. Instructional methods include lecture followed by application through learning exercises using sample loan documents and disclosures.

Content is designed for examiners with existing foundational skills and knowledge.

The length is three and a half days.

At-a-Glance
Length	3 ½ days
Delivery	In-Person
Prerequisite/Pre-course	No
Continuing Education	No

Objectives

Upon completion, participants should be able to:

Apply the concepts, terms, and calculations learned in this course, as well as verify the accuracy of calculations and disclosures of mortgage loans with the following characteristics:
- Fixed Rate
- Adjustable-Rate Mortgages
- Construction Only / Construction Permanent
- Balloon Loans
- Loans with PMI
- FHA and VA Loans
- Interest in Advance / Interest in Arrears
- Odd Days Interest
- Bi-Weekly Payments
Describe and calculate the impact that finance charges, such as origination fees, points, mortgage insurance premiums, and other charges have on the APR for fixed and adjustable-rate mortgages.
Apply the concepts and terms by imputing information into the FFIEC’s APR computational tool to verify the accuracy of APR and Finance Charge disclosures on various types of mortgage loan products.
Apply concepts relating to violations of Regulation Z, and understated APR and finance charge calculations.

Target Audience

The course is generally directed at consumer compliance examiners with existing foundational skills and skills or consumer compliance specialists. Participants should regularly examine mortgage loan files for compliance with the Homeowners Protection Act and the Truth in Lending Act as they pertain to Mortgage Originations.

Requirements

Participants must bring to class a laptop as well as an HP12-C calculator or a mobile device with the HP12-C app installed.

Consumer Compliance

In-Person

Class

05/04/2027 - 05/07/2027 10/26/2027 - 10/29/2027

Payment Systems Risk Conference

The Payment Systems Risk Conference (PSR) offers an overview of wholesale and retail payment systems and identifies associated risks and information on a variety of payment systems topics. It includes insight into emerging payment processes and technology and their impact on the financial industry. Presenters include industry experts and regulatory personnel.

The length is typically two to four days.

Content is designed for examiners with specialty experience and could be of interest to all examiners.

At-a-Glance
Length	2 to 4 days
Delivery	Virtual
Prerequisite/Pre-course	No
Continuing Education	Yes

Target Audience

The conference is designed for examiners and regional/district office staff who have an interest in or need to develop a better understanding of the risks associated with payment systems.

Continuing Education Credits

Annually the conference is assessed for continuing professional education credits.

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2026 session of the PSR Conference has been approved for 18 CERP, 15 CRCM, 11 CAFP, and 2.75 CSOP credits. This statement is not an endorsement of this program or its sponsor. The program will be submitted for accreditation review on a session-by-session basis.

2026 Approved Credit Hours: 16.8

Operational Risk

Virtual

Conference

10/26/2026 - 10/29/2026 11/15/2027 - 11/19/2027

Yes

Real Estate Appraisal Review School

Real Estate Appraisal Review School (REARS) develops the knowledge and skills required to evaluate a commercial real estate appraisal to determine compliance with appraisal regulations and standards provided by the agencies and in the Uniform Standards of Professional Appraisal Practice. (USPAP). The review of appraisals is a key component in the credit risk assessment process for commercial real estate loans.

Content is designed for examiners with experience with commercial real estate lending.

The length is four and a half days.

At-a-Glance
Length	4 ½ days
Delivery	In-Person
Prerequisite/Pre-course	Yes
Continuing Education	Yes

Objectives

Upon completion, participants should be able to:

Calculate estimated values based on revised appraisal assumptions.
Identify the relevant physical and economic property characteristics that affect the real estate collateral.
Describe the three approaches to value.
Describe various types of appraisals and appraisal reports.
Identify potential fraud in appraisals.
Identify common appraisal errors.
Assess the reasonableness of an appraised value.
Identify inconsistencies and potential violations.
Use deductive reasoning to validate the consistency of information in an appraisal report.

Target Audience

The school is for examiners who want enhanced skills in reviewing and analyzing commercial real estate appraisals. Participants should have experience with evaluating commercial real estate loans and with income-producing real estate lending.

Prerequisites

Participants are required to complete Introduction to Real Estate Appraisal Review School.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2026 Approved Credit Hours: 37.4

Credit

In-Person

Class

05/17/2027 - 05/21/2027 08/16/2027 - 08/20/2027 11/01/2027 - 11/05/2027

Yes

Structured Finance: Investment Analysis & Risk Management

Structured Finance: Investment Analysis & Risk Management provides examiners with an understanding and working knowledge of structured securities, from basic to complex, specifically covering the structure, inherent risk, and investment purpose for financial institutions. Discussions on the risk assessment and management of the investment portfolio containing structured securities, appropriate accounting and capital treatment, and pre-purchase analysis performed by the investor and reviewed by the examiner are included.

Content is designed for examiners with extensive experience.

The length is four and a half days.

At-a-Glance
Length	4 ½ days
Delivery	Virtual
Prerequisite/Pre-course	Yes
Continuing Education	Yes

Objectives

Upon completing the course, participants should be able to:

Identify benefits and inherent risks associated with investing in structured securities, such as asset-backed and mortgage-backed securities.
Identify and describe the underlying collateral structural components, credit enhancements, cash flow waterfall priorities, and embedded derivatives of structured securities.
Determine the quality of the underlying asset of the structured security using external data sources and tools.
Assess a financial institution’s due diligence, valuation, and on-going monitoring processes for investment in structured securities.
Analyze the application of current accounting standards related to structured securities, specifically valuation methodology.
Determine the appropriate regulatory capital treatment of structured securities.
Evaluate a financial institution’s investment portfolio that includes structured securities and assess the adequacy of related risk management practices.
Discuss current and emerging industry, regulatory, and supervision changes in capital markets related to structured finance.

Target Audience

The course is intended for examiners designated as capital markets examiners who are seeking to enhance their knowledge in assessing the market, credit, and operational risk of structured securities in a financial institution’s investment portfolio.

Examiners-in-charge and central-points-of contact of regional or large, complex financial institutions who are responsible for the assessment of the overall risks within these financial institutions and have limited capital markets examination experience, may also benefit.

Pre-Course Assignment

Completion of a pre-course assignment is recommended Pre-Course Assignment

Completion of a pre-course assignment is recommended to attend this course. The course assignment is a series of online training modules and a final assessment. The estimated completion time is 6 to 12 hours. to attend this course.

Continuing Education

Annually the class is assessed for continuing professional education credits.

2025 Approved Credit Hours: 31.5

Capital Markets

Virtual

Class

11/16/2026 - 11/20/2026 03/29/2027 - 04/02/2027 04/12/2027 - 04/16/2027 07/12/2027 - 07/16/2027 08/09/2027 - 08/13/2027 09/20/2027 - 09/24/2027

Yes

Supervisory Updates & Emerging Issues for Community Financial Institutions

Supervisory Updates & Emerging Issues for Community Financial Institutions focuses on issues and challenges relevant to community financial institutions. The conference provides information on regulations or guidance issued by the FFIEC agencies applicable to financial institutions that are smaller in asset size and non-complex in structure, product and business line offerings. The conference may include updates on accounting standards, the economic outlook, emerging risk, lending and other business strategies. The content focuses on safety and soundness and risk management.

Content is designed to be of value to all interested examiners.

The length is typically two to four days.

At-a-Glance
Length	2 to 4 days
Delivery	Virtual
Prerequisite/Pre-course	No
Continuing Education	yes

Target Audience

This conference is intended for anyone who examines or supervises community financial institutions

Continuing Education

Annually the conference is assessed for continuing professional education credits.

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2026 session of the Supervisory Updates & Emerging Issues for Community Financial Institutions conference has been accredited for 13 CRCM, CERP, 2.75 CAFP, and 1.5 CSOP credit. This statement is not an endorsement of this program or its sponsor. The program will be submitted for accreditation review on a session-by-session basis.

2026 Approved Credit Hours: 8.4

Other

Virtual

Conference

05/03/2027 - 05/07/2027

Yes

Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions

Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions provides information on supervision priorities and updates in regulations or guidance issued by the FFIEC member agencies. Content focuses on information relevant to the examination of financial institutions over $10 billion in asset size and complex in structure and business line activities. The conference may include updates on accounting standards, the U.S. and Global economic environment impacting financial institutions, and emerging issues confronting the regulated financial services industry. Speakers include industry and agency subject matter experts. The content focuses on safety and soundness and risk management.

Content is designed to be of value to all interested examiners.

The length is typically two to four days.

At-a-Glance
Length	2 to 4 days
Delivery	Virtual
Prerequisite/Pre-course	Yes
Continuing Education	Yes

Target Audience

The conference is intended for FFIEC member agency examiners and staff currently involved in the examination or supervisory oversight of large, complex financial institutions.

Continuing Education

Annually the conference is assessed for continuing professional education credits.

The ABA is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The 2026 session of the Supervisory Updates & Emerging Issues for Large, Complex Financial Institutions has been approved for 14.25 CRCM, CERP credits. This statement is not an endorsement of this program or its sponsor. The program will be submitted for accreditation review on a session-by-session basis.

2026 Approved Credit Hours: 11.4

Other

Virtual

Conference

07/19/2027 - 07/23/2027

Yes