Events Calendar

Webinar: Reg CC Compliance & Review: Check Holds, Remote Deposit Capture & Reg D Changes
Wednesday, April 14, 2021, 03:00pm - 04:30pm

Need an answer key? Member service questions arise every day regarding deposit regulations, check holds, cash availability, timeframes, transaction limits, and more. Ensure you can answer these questions, including new transaction limit changes under Reg D. The cheat sheet and hold chart provided will increase accuracy and understanding.


  • Describe check hold categories and timeframes
  • Distinguish between remotely created checks and other items
  • Differentiate between checks deposited via remote deposit capture and other deposit methods
  • Identify which checks are subject to Check 21’s specific requirements
  • Understand Reg D’s new changes to transaction limitations


Institutions are under pressure to make deposited funds available as soon as possible. But what about when there is a legitimate need to delay funds availability to protect the institution or depositor? Do you know the check hold rules? What about Check 21 compliance? This webinar will provide the tools necessary to understand and explain your institution’s rights and responsibilities regarding deposits and availability requirements. Brush up on these important legal requirements and implementing regulations and keep your institution out of hot water with regulators and consumer groups.


This informative session is designed for frontline staff, call center employees, check handling personnel, compliance staff, and auditors.


  • Check hold chart
  • Check 21 cheat sheet
  • RDC liability flowchart
  • Employee training log
  • Interactive quiz

SPEAKER:  Mary-Lou Heighes, Compliance Plus, Inc.

Mary-Lou Heighes is President and founder of Compliance Plus, Inc., which has assisted financial institutions with the development of compliance programs since 2000. She provides compliance training for trade associations and financial institutions. Mary-Lou has been an instructor at regulatory compliance schools, conducts dozens of webinars, and speaks at numerous conferences throughout the country.

Involved with financial institutions since 1989, Mary-Lou has over 25 years’ compliance experience. Before starting Compliance Plus in 2000, she spent five years working as a loan officer, marketer, and collector. She also worked at a state trade association for seven years providing compliance assistance and advising on state and federal legislative issues that affect financial institutions.