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VACB Third Quarter Operations Forum

Join VACB for our Third Quarter Operations Forum in Staunton, October 14-15

Wednesday, October 14, 2026 at 12:30 PM (EDT) to Thursday, October 15, 2026 at 5:00 PM (EDT)
Register Now

Event Details

Download the program brochure HERE.

Consumer Loan Regulations Wednesday afternoon – October 14

TILA

  • Consumer loan coverage and protections
  • Open-end and closed-end loans
  • HELOCs
  • HPMLs and HCMLs

RESPA

  • Consumer Real Estate Secured Loams

ECOA

  • Consumer Rights and Responsibilities
  • Non-Work Authorized Individual Issues
  • Appraisal Requirements

Loan Operations Thursday – October 15

Fraud and Litigation Trends

Loan Origination Issues 

  • Adverse Actions
  • ATR (Mortgages) and ATP (Credit Cards)
  • ECOA and Reg B
  • TRID Issues and Enhancements

Loan Servicing

  • Current Requirements
  • Loss Mitigation
  • Changes on the Horizon

Loan Collection

  • UDAAP Issues

About Our Speaker - Patti Joyner:

Patti Joyner is a nationally-known, dynamic speaker and leader with strong, intuitive management skills, and a deep conviction that "excellence is not optional." She has extensive experience in working with financial institutions, bank data processors and governmental agencies. Patti has more than 35 years of experience in the  financial industry as an entrepreneur and financial institution  executive. She is a Certified Regulatory Compliance Manager (CRCM), skilled regulatory compliance consultant, bank operations specialist, system automation designer and an enthusiastic regulatory compliance instructor who believes in providing real-world solutions ready for immediate implementation.

For More Information:

Katharine C. Garner
Katharine C. Garner
VACB (804)673-8250
View Profile

Registration Fees Include:
Registration fees include breaks and lunch as well as the program materials printed and electronic for use back at the bank.

Room Reservations
VACB has reserved a limited number of rooms for the nights of October 14. The rate is $119 for a single or double room. Reservations MUST be made directly with Hotel 24 South by calling the hotel directly at (540) 885-4848 and referencing the Virginia Association of Community Banks room block. This block of rooms will only be held until Wednesday, September 30. Check-in time is 4:00 pm and check-out time is 12:00 noon.

Cancellation Policy for the Hotel:
All reservations must be accompanied by a first night room deposit or guarantee with a major credit card. In the event you must cancel your hotel reservation, the deposit is refundable if notice is received 48 HOURS prior to the day of arrival and a cancellation number is obtained.

Continuing Education Credits:
The program materials have been submitted to ABA for CRCM/CERP credit hours. Upon their review and approval, credit hours assigned will be updated and reflected in attendee certificates.