Consumer Protection Regulations (e.g., Dodd-Frank) Training Course

This course equips participants with a practical understanding of consumer protection regulations in financial services, including the Dodd-Frank framework. It focuses on fair treatment, disclosure, complaint handling, data protection, and building compliant products and processes.

Target Groups

• Compliance and regulatory officers
• Banking and financial services managers
• Product and legal teams
• Customer service and complaints managers
• Internal auditors and risk officers
• Regulators and consumer protection officers
• Managers and supervisors seeking to strengthen organizational practice in this field
• Consultants and professionals supporting related organizations

Course Objectives

By the end of this course, participants will be able to:

• Explain the purpose and scope of financial consumer protection regulation
• Describe key provisions of the Dodd-Frank Act and related regimes
• Apply fair lending and anti-discrimination principles
• Ensure clear disclosure and transparent pricing
• Prevent unfair, deceptive, and abusive practices
• Manage complaints in line with regulatory expectations
• Protect consumer data and privacy
• Embed consumer protection in product design
• Conduct compliance testing and monitoring
• Respond to regulatory examinations and enforcement

Course Modules

Module 1: Foundations of Financial Consumer Protection

• Rationale for consumer protection
• Global principles
• Regulatory architecture
• Consumer rights and responsibilities
• Market conduct overview

Module 2: The Dodd-Frank Act and Related Regimes

• Overview of Dodd-Frank
• Consumer financial protection authorities
• Key rules and rulemaking
• Comparison with other jurisdictions
• Supervisory approach

Module 3: Fair Lending and Non-Discrimination

• Fair lending principles
• Disparate treatment and impact
• Credit decisioning fairness
• Monitoring for bias
• Remediation steps

Module 4: Disclosure and Transparency

• Plain-language disclosure
• Pricing and fee transparency
• Loan estimates and agreements
• Advertising and marketing rules
• Record retention

Module 5: Unfair, Deceptive, and Abusive Practices

• Defining UDAAP
• Sales practices and incentives
• Product suitability
• Collections conduct
• Case studies of enforcement

Module 6: Complaint Management and Redress

• Complaint handling standards
• Root-cause analysis
• Escalation and ombudsman schemes
• Redress and remediation
• Regulatory reporting

Module 7: Data Protection and Privacy

• Consumer data rights
• Data security obligations
• Third-party and fintech risks
• Breach response
• Consent management

Module 8: Compliance Management Systems

• Governance and board oversight
• Policies and procedures
• Training and awareness
• Monitoring and testing
• Compliance reporting

Module 9: Product Governance and Examinations

• Product approval processes
• Consumer impact assessments
• Preparing for examinations
• Responding to findings
• Enforcement actions

Module 10: Practical Exercises and Capstone Project

• Reviewing a product against consumer protection requirements
• Analyzing complaint trends
• Testing disclosures for clarity
• Designing a compliance monitoring plan
• Presenting a mock examination response