3-in-1 Banking, Banking Risk and Compliance Masterclass

It seems like you've outlined a comprehensive plan for a course on banking regulations, including micro- and macro-prudential oversight, consumer protection, anti-crime measures, and payment regulation. This is a critical subject area given the central role that banks play in the economy and the importance of maintaining trust and stability within the financial system.

Here's how I can help you create this course:

1. FDIC Conservatorship Measures: Explain the three measures the FDIC may take when a bank is failing: paying out depositors, selling the bank, or providing a government bailout. You can also discuss the role of the FDIC in resolving failed banks and protecting insured deposits.

2. Prompt Corrective Action (PCA): Describe the PCA framework, which aims to identify deteriorations in financial condition and take corrective actions before an institution's net worth falls below safe minimum levels. The PCA program is a critical component of bank supervision, enforcing the quality of assets and management of risks to ensure safety and soundness.

3. U.S. Financial Regulators: Introduce the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC), explaining their roles in regulating securities markets and trading commodity futures and options, respectively.

4. European Regulatory Landscape: Discuss the Single Supervisory Mechanism (SSM), which centralizes supervision of significant banks in the euro area, and the role of National Competent Authorities (NCA) in each member state.

5. Basel Accords History: Provide a detailed history of the Basel Accords from Basel I to Basel III, including the 1996 Amendment, Basel II, Basel III, and its implementation in the U.S. through Dodd-Frank, as well as the 2018 rollback and the 2019 Fundamental Review of the Trading Book (FRTB).

6. Basel Regulatory Framework: Explain the three pillars of Basel micro-prudential regulation: Pillar 1 (regulatory capital requirements), Pillar 2 (supervisory review and evaluation process, or ICAAP), and Pillar 3 (market discipline).

7. Capital Adequacy Measures: Discuss the various types of regulatory capital, additional buffers like the Capital Conservation Buffer (CCB) and Countercyclical Capital Buffers (CCyB), as well as the discrete and quantitative requirements for risk-based capital adequacy.

8. Consumer Protection: Cover the key areas of consumer protection in banking, including fair lending practices, privacy rights, and dispute resolution mechanisms.

9. Anti-Crime Measures (AML/CFT): Explain Know Your Customer (KYC), Anti-Money Laundering (AML), and Counter-Financing of Terrorism (CFT) regulations, including the roles of Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs), and the importance of robust compliance programs.

10. Payment Services Directive 2 (PSD2): Describe the PSD2 regulation, which aims to increase transparency and innovation in the payments industry by requiring banks to share data with third-party providers and implement strong customer authentication measures.

11. PCI DSS: Introduce the Payment Card Industry Data Security Standard (PCI DSS), version 3.2.1., and explain its 12 requirements that ensure cardholder data is protected during transactions.

To create this course, you would structure it into sections and lessons, each focusing on one of these areas. You can include interactive elements such as quizzes, assignments, and perhaps simulations or case studies to illustrate real-world applications of the concepts discussed. Video lectures, downloadable resources like PDFs or slides, and discussion forums can also be valuable tools for engaging your audience.

Remember that creating a course is an iterative process. You may need to revise content based on feedback from early students, ensure that all material is up-to-date with current regulations, and adapt the course as new developments in banking regulation emerge.

If you decide to proceed with this course, I'm here to assist you with content creation, structuring the course, and any other educational design elements you may need. Good luck, and I hope your course will be a valuable resource for those looking to deepen their understanding of banking regulations!