Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)

Overview

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In today’s highly regulated financial landscape, even small missteps can lead to significant compliance risks, making a strong understanding of Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) more important than ever. This course equips you with a solid foundation in UDAAP compliance under the Dodd–Frank Act, enabling you to confidently navigate regulatory expectations and protect consumers. You’ll move from core concepts, such as UDAAP definitions, legal standards, and enforcement frameworks, to applying them in real-world scenarios. Explore high-risk areas, including marketing, lending, loan servicing, debt collection, and digital financial channels, while learning to identify potential violations. Through practical scenarios and case-based learning, you’ll build skills to evaluate business practices, apply regulatory tests, and implement effective compliance controls and risk management strategies. You’ll also learn best practices for clear disclosures, ethical decision-making, and timely escalation. By the end, you’ll be ready to proactively identify and mitigate UDAAP risks, strengthen trust, compliance, and business integrity. Enroll today to build critical compliance skills and stay ahead in the financial services industry.

Syllabus

Module 1: UDAAP Foundations, Risk Management, and Enforcement

In this module, you will explore the foundational principles, risk areas, and enforcement landscape of Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) under the Dodd-Frank Act. You will begin by exploring the legal framework, regulatory structure, and three-part tests used to determine unfair, deceptive, and abusive practices, while understanding how regulatory agencies such as the CFPB, FTC, and prudential regulators enforce compliance. The module examines high-risk areas such as marketing, loan origination and servicing, debt collection, add-on products, payment processing, and digital channels, including fintech and dark patterns. You will learn how to implement preventive controls, ensure clear disclosures, and apply proactive risk management strategies. Finally, through real-world enforcement cases, you will understand regulatory expectations, penalties, employee responsibilities, and proper escalation procedures to maintain strong UDAAP compliance in daily operations

Module 2: Final Assessment and Course Summary

This module evaluates your understanding of key concepts through a comprehensive final assessment. The module also summarizes essential takeaways and provides guidance on next steps.