Michael R. Christians

Michael Christians, the principal of Michael Christians Consulting, LLC, assists financial institutions and organizations across the country by ensuring their compliance programs conform to federal laws and regulations. Michael has more than two decades of experience in the financial services industry, with a primary focus on consumer compliance. He obtained his Juris Doctorate from Drake University Law School. He is a member of the Iowa State Bar, where he is licensed to practice law.

  • Principal of Michael Christians Consulting, LLC
  • Assists financial institutions and organizations across the country with ensuring their compliance programs conform to federal laws and regulations
  • Provides counsel relative to current rules, assists with the strategic implementation of upcoming regulatory changes, and offers customized education and training services
  • More than two decades of experience in the financial services industry
  • JD from Drake University Law School
  • Member of the Iowa State Bar
Michael R. Christians

Courses available by Michael R. Christians

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  1. HMDA 101: What Financial Institutions Need To Know
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    HMDA 101: What Financial Institutions Need To Know

    Regulatory compliance counsel Michael Christians will reveal the current state of HMDA/Regulation C. You will learn what your institution needs to do to comply with the latest updates.

    What You'll Learn

    • What do the new filing instructions for 2022 entail?
    • How does HMDA’s institutional coverage test work?
    • What transactions are subject to HMDA?
    • What are the current data collection requirements?
    • How should you record and report HMDA data?
    • What public disclosures are now mandatory?
  2. Truth in Savings Act and Regulation DD
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    • On-Demand
    Truth in Savings Act and Regulation DD
    Leading attorney and compliance expert Michael Christians will reveal the requirements of Regulation DD. You will learn how to ensure your institution adheres to the Truth in Savings Act to protect your customers and please regulators.

    What You'll Learn

    • What disclosures must you provide for new accounts?
    • What are the subsequent disclosure requirements?
    • When should you send statements? What information must they contain?
    • How may you advertise deposit account products?
    • Are you required to provide notifications of policy changes?
    • On-Demand
    Truth in Savings Act and Regulation DD
    Michael R. Christians
    $99.00
  3. Privacy of Consumer Financial Information and Regulation P
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    • On-Demand
    Privacy of Consumer Financial Information and Regulation P
    Leading attorney and compliance expert Michael Christians will explain your consumer privacy obligations. You will learn how to protect the personal information of your customers.

    What You'll Learn

    • What are the notice requirements under Regulation P?
    • How should you provide consumers a reasonable opportunity to opt-out of information sharing?
    • What are the limits on the re-disclosure of information?
    • Under what exceptions may you release financial information to a federal government agency?
  4. EFT Act and Regulation E In 2022
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    • On-Demand
    EFT Act and Regulation E In 2022

    Leading attorney and compliance expert Michael Christians will explain the details of Regulation E. You will learn how to adhere to the requirements of the Electronic Fund Transfers Act in 2022.

    What You'll Learn

    • What are the disclosure requirements of Regulation E?
    • What is the liability for unauthorized transactions?
    • How should you resolve errors?
    • What are the requirements for overdraft services?
    • How must you handle gift cards?
    • What procedural changes should you make for 2022?
    • On-Demand
    EFT Act and Regulation E In 2022
    Michael R. Christians
    $189.00
  5. Alphabet Regulations Series Deposit Accounts and Operations
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    Alphabet Regulations Series Deposit Accounts and Operations
    Leading attorney and compliance expert Michael Christians will explain the details of the alphabet regulations relating to deposit accounts and operations. In four information-packed training sessions, you will learn how to protect your customers and your institution.

    What You'll Learn

    • Updated Requirements For Funds Availability (Details Of Regulation CC)
    • Truth in Savings Act and Regulation DD
    • Electronic Fund Transfers Act and Regulation E
    • Privacy of Consumer Financial Information and Regulation P
  6. Alphabet Regulations Series - Lending
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    Alphabet Regulations Series - Lending
    Leading attorney and compliance expert Michael Christians will explain the details of the alphabet regulations relating to lending. In five information-packed sessions, you will learn how to protect your customers and your institution.

    Topics Covered

    • The Equal Credit Opportunity Act and Regulation B
    • The Fair Credit Reporting Act and Regulation V
    • The Real Estate Settlement Procedures Act and Regulation X
    • Updated Mortgage Transaction Reporting Thresholds (Details Of Regulation C)
    • The Truth In Lending Act: Steps To Implement Regulation Z Changes
  7. The Equal Credit Opportunity Act and Regulation B
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    The Equal Credit Opportunity Act and Regulation B
    Leading attorney and compliance expert Michael Christians will distill the critical details of Regulation B. You will learn how to ensure your institution adheres to ECOA requirements for making credit decisions and issuing loans.

    What You'll Learn

    • What are the protected classifications under the ECOA?
    • How must you collect information for monitoring purposes?
    • What are the adverse action requirements?
    • What rules exist for providing valuation copies?
    • What types of valuations does Regulation B cover?
  8. The Fair Credit Reporting Act and Regulation V
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    The Fair Credit Reporting Act and Regulation V
    Leading attorney and compliance expert Michael Christians will explain the critical details of Regulation V. You will learn how to ensure your institution adheres to FCRA requirements for reporting consumer information to credit reporting agencies.

    What You'll Learn

    • What are the rules for affiliate marketing?
    • How should you ensure the accuracy and integrity of the information provided to consumer reporting agencies through policies and procedures?
    • What are the rules related to extending a firm offer of credit?
    • What requirements apply to risk-based pricing?
    • What disclosures are required?
  9. The Real Estate Settlement Procedures Act and Regulation X
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    • On-Demand
    The Real Estate Settlement Procedures Act and Regulation X
    Leading attorney and compliance expert Michael Christians will explain the many details of Regulation X. You will learn how to ensure your institution adheres to the RESPA requirements to protect consumers.

    What You'll Learn

    • What kickbacks and unearned fees does Section 8 prohibit?
    • How should you structure escrow accounts?
    • What homeownership counseling notice must you provide?
    • What are the other requirements for servicing a mortgage loan?
    • When can you commence a foreclosure action against a delinquent borrower?
  10. Compliance Requirements For ARM Loans
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    • On-Demand
    Compliance Requirements For ARM Loans
    Regulatory compliance counsel Michael Christians will provide an in-depth analysis of adjustable-rate mortgage requirements, including highlighting pandemic-induced changes. You will learn how to ensure your financial institution’s compliance.

    What You'll Learn

    • What additional application disclosures are required for ARM loans?
    • How should you handle rate adjustment notices?
    • How can you prepare for the discontinuation of the LIBOR index?
    • On-Demand
    Compliance Requirements For ARM Loans
    Michael R. Christians
    $129.00
  11. Updated Requirements For Funds Availability (Details Of Regulation CC)
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    • On-Demand
    Updated Requirements For Funds Availability (Details Of Regulation CC)
    Scheduled for 60 minutes including question and answer period.
    Leading attorney and compliance expert Michael Christians will demystify Regulation CC and detail the latest updates. You will learn when financial institutions must make funds available to depositors and how to use exceptions to these rules effectively to protect your institution.

    What You'll Learn

    • When must funds be made available the next day?
    • What are the general availability rules for all types of deposits?
    • How should you use exception holds?
    • What are the initial and subsequent disclosure requirements?
  12. Updated Mortgage Transaction Reporting Thresholds (Details Of Regulation C)
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    Updated Mortgage Transaction Reporting Thresholds (Details Of Regulation C)
    Scheduled for 60 minutes including question and answer period.
    Leading attorney and compliance expert Michael Christians will explain the latest CFPB updates and the details of Regulation C. You will learn how to ensure your institution adheres to current requirements for reporting information on mortgages.

    What You'll Learn

    • What are the changes to the transaction reporting thresholds?
    • How does the HMDA institutional coverage test work?
    • What transactions are subject to reporting?
    • What are the requirements for data collection?
    • How must you record, report, and disclose HMDA data?

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