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Description: Whether you’re new to compliance or need a timely refresher, this webinar offers a practical reexamination of the core principles behind Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). We’ll start with a clear breakdown of what each element of the UDAAP framework means and how they differ, not just in theory, but in how they are applied. We will also clarify the differences between UDAP and UDAAP, including which agencies are responsible for enforcement, how the Dodd-Frank Act expanded the framework, and what that means for your institution’s compliance responsibilities.
From there, we’ll explore how regulators are currently interpreting UDAAP through recent enforcement actions and dive into real-world examples that reveal what institutions are getting wrong and right. You’ll also gain insights into emerging risks, including those tied to marketing and advertising, AI decisioning, fees, and disclosure practices. This session is ideal for compliance professionals, risk managers, legal counsel, and frontline staff who want to stay aligned with evolving regulatory expectations and avoid costly pitfalls.
Key Takeaways:
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- Understand the legal definitions and practical distinctions between unfair, deceptive, and abusive acts or practices
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- Learn how regulators are currently enforcing UDAAP, with real-world examples from recent enforcement actions
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- Identify emerging risks including marketing and advertising, AI decisioning, and so-called “junk fees”
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- Gain actionable strategies for evaluating your institution’s UDAAP risk across products, marketing, disclosures, and servicing
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- Leave with knowledge to spot UDAAP red flags in everyday operations and communications
People Who Should Attend:
Anyone involved in consumer-facing operations, disclosure design, or complaint handling
Compliance officers and risk managers
Frontline staff and branch management
Marketing and product development teams
Legal counsel and audit personnel
Presenter:
Roy Hall
Compliance Advisor
Roy Hall serves as Compliance Advisor for Compliance Hub. Roy has a diverse background spanning regulatory examination, advisory, monitoring and testing, and quality control. Roy has served as an examiner at both the state and federal levels, and has also contributed his compliance expertise to some of the largest financial institutions in the country through experience in Big 4 Regulatory Risk Advisory.
Roy has led efforts to enhance compliance frameworks, strengthen risk controls, and improve operational effectiveness. His experience covers a broad range of consumer protection regulations, and he has played a key role in assessing risk, managing audits, and advising on compliance strategies. With a deep understanding of industry best practices, he continues to be committed to helping institutions proactively address risks while fostering a strong compliance culture.