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CBC Program

It’s a jungle out there. With today’s ever-changing regulatory environment, just keeping up is a daunting and seemingly impossible task.  Regulators today are pushing compliance training, and you need to be armed with the right survival guide. It is vital that you and your bank gain up-to-date information on compliance issues, especially changes in bank regulations, as well as proven techniques for maintaining an in-bank compliance program. See Program Brochure

CBAI is pleased to offer you access to this critical guide to survival, the Community Bankers for Compliance (CBC) Program. Now beginning its twenty-fourth year, the CBC Program is the most successful and longest running compliance training program in the country.  The CBC Program is presented by Young & Associates, Inc., a nationally-recognized compliance consulting firm specializing in community banks.


Quarterly Seminars

A compliance seminar is provided each quarter. The topic is selected based on the most recent banking and regulatory developments which may have an impact on community banks. Each person attending receives a detailed manual, written in full narrative, that they can take back to the bank as a reference tool.


Monthly Newsletter

The Compliance Update Newsletter is sent to CBC Program members each month. It provides an update of compliance issues that impact community banks.


Compliance Hotline

Members of the CBC program call the Young & Associates toll-free or visit their website for compliance questions. Young & Associates has several qualified professionals available to answer your questions. This service ensures your bank is just a phone call away from the information you need. (For Illinois-specific compliance issues, CBAI’s in-house counsel, Jerry Cavanaugh, is also available to answer your questions).


CBC Members Only

This section is reserved for banks that are registered members of the CBC Program. Included are special and timely information and tools provided by Young & Associates, Inc., that can be used to enhance the regulatory compliance function at your bank. Click here to login to the CBC Members-Only page.


Benefits of the CBC Program

Regulatory Approval

The CBC Program has passed the test of regulatory scrutiny. After the Program was developed, the regulatory agencies recognized the increased understanding and ability to deal with regulatory issues by CBC participants. Since then, the Program has received recurring approval from the regulatory agencies not only for its comprehensiveness, but also for its practicality. Individuals from regulatory agencies have become members of the CBC Program and have participated in quarterly meetings over the years.

Risk Management

The CBC Program reduces the risk of regulatory actions against your bank for reasons such as failure to establish a valid compliance management program, failure to establish compliance policies, failure to provide adequate compliance training, and failure to monitor internal compliance. In addition, with each change in regulatory compliance regulations, there is an increased risk of inadvertent compliance errors. The CBC Program reduces compliance errors, as your employees have a better understanding of regulatory requirements.

Practical Solutions

Most community banks do not have the time or money to build elaborate compliance systems. The CBC Program provides practical, user-friendly compliance techniques and explains how they can be related to all areas of compliance. For example, setting up compliance files, developing training programs, responding to the examinations, and resolving disputes are among the areas that are reviewed.

Compliance Manuals

When you attend a seminar, you want to focus on the material being presented, but it is difficult to listen to a speaker and write detailed notes at the same time. For this reason, the CBC Program manuals are written in full narrative. This also enables the banker to use the materials in the bank as a regulatory reference guide and as a training manual for their employees.

Participant Interaction

The CBC Program is designed to assist members in getting timely answers to their questions, as well as testing techniques before implementation in the bank. This program provides a forum for bankers to ask questions and bring concerns and compliance techniques for review by the group. This peer evaluation and two-way flow of information increases understanding and improves the bank’s effort to build and maintain a viable compliance program.

Compliance Professionals

In total, the consultants at Young & Associates have published more than 30 books and several hundred articles on banking. They provide training to more than 1,000 bankers each year, and are speakers at several state and national conferences.

Saves Time and Money

The nationally-recognized experts at Young & Associates spend nearly 300 hours translating each regulation into understandable language, developing model policies, training instruments, and audit procedures. This is time your staff doesn’t have to spend, thereby creating bottom-line savings to your bank.

“I have been a member of The Community Bankers for Compliance Program for 14 years and have found it to be a great investment,” said Tammy Hoffman, senior vice president at First Community Bank and Trust in Beecher. “The seminar topics are always relevant and the presenters are very knowledgeable and have proven to be valuable resources when needed.”

No matter what new regulations may be lurking around the corner, with the CBC Program, your bank will be prepared. It’s renewal time, so register for the annual program membership today! For more information or to register, contact Valerie Johnston, Vice President of Education and Special Events, at 217/529-2265 or visit the website at www.cbai.com.