September 15

8:00 AM - 8:30 AM       Breakfast & Registration

8:30 AM - 8:45 AM       Opening remarks

8:45 AM - 9:30 AM       Panel Discussion and Listening Sessions

Paul Worthing, FDIC Regional Director
Matthew Sheeren, FDIC Assistant Regional Director
KC Mohseni, DFPI Commissioner

9:30 AM - 10:15 AM    Economic Conditions (Division of Insurance and Research)
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10:15 AM - 10:30 AM Break

10:30 AM - 10:45 AM Navigating Change
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10:45 AM - 12:00 PM Emerging Technology and Innovation

Innovation is transforming banking at an unprecedented pace, creating both opportunities and challenges for community banks and their boards. This session explores emerging technologies, including AI, digital assets, and stablecoins, with an overview of the GENIUS Act and key regulatory developments. Attendees will gain practical strategies for evaluating new technologies, managing risk, and strengthening cybersecurity and data governance.

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12:00 PM - 1:00 PM    Lunch

1:00 PM - 2:15 PM       Breakout Session: Risk Management Supervisory Process and Key Financial Risks

Bank supervision is evolving to focus more on material financial risks while reducing emphasis on process-driven reviews. This session explores changes to the examination process, regulatory modernization efforts, and initiatives promoting innovation and technology adoption. Attendees will also gain insight into the key financial risks banks face in today's operating environment.
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1:00 PM - 2:15 PM       Breakout Session: Compliance Hot Topics and Examination Changes

Consumer compliance supervision and examination activities are also changing. The FDIC has reduced the frequency of consumer compliance and Community Reinvestment Act (CRA) exams, and ongoing work continues to enhance examination processes and modernize consumer regulations. This session will provide briefings on these changes, as well as other hot topics. Target Audience: Directors, Executive Management, Compliance Officers.
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2:15 PM - 2:30 PM       Break

2:30 PM - 3:45 PM       Breakout Session: Asset Quality

This session will cover current asset quality matters, with an emphasis on commercial real estate (CRE) lending, including levels, trends and warning signs of potential problems. We will also discuss modeling fundamentals related to CECL and the ACL. Target Audience: Directors, Executive Management, Senior Credit Officers.
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2:30 PM - 3:45 PM       Breakout Session: Emerging Technology - Consumer Compliance Risks

This session will focus on the consumer compliance impacts related to Fintechs, crypto, and third-party risk management. Target Audience: Directors, Executive Management, Compliance Officers.
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