Conference Presentations

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April 12, 2018
Accreditation - Current and Future
Presenters: Background Screening Credentialing Council (BSCC) Members | Join members of the Background Screening Credentialing Council (BSCC) for a panel discussion of the recently approved revised Background Screening Agency Accreditation Program (BSAAP) Accreditation Standard, as well as your current Accreditation resources and the path to Accreditation and Re-Accreditation. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Advocacy Training
Presenters: Francine Friedman, Akin Gump; Chase Hieneman, Jamie Tucker, Akin Gump | Advocacy Day training will be open to all conference attendees and mandatory for anyone who is signed up for Advocacy Day on Wednesday, April 18. Francine Friedman and Jamie Tucker will walk attendees through the day, reviewing the schedule, setting expectations and most importantly illustrating the NAPBS messaging to ensure everyone is prepared for our day on Capitol Hill. For anyone who did not sign up for Advocacy Day but is interested in learning what Advocacy Day is all about or simply hearing the NAPBS messaging, please join the session. | Presented at the 2018 Mid-Year Conference
April 12, 2018
All About Data - Retention, Disposal, Security and Breaches
Track: Legal/Compliance | Presenter: Montserrat Miller, Arnall Golden Gregory LLP | In this session, we discuss how an individual's personal data is retained, disposed of, safeguarded and what to do in the event of a breach. The discussion considers data retention from the end-user and consumer reporting perspectives. We also address the Disposal Rule, what it means, and consider how agreements are structured to safeguard personal data. Finally, we explore what background screeners should do in the event of a data breach affecting their client's employee's personal data. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Background Checks - Minimizing High Impact Risks with Subcontractors
Track: Business | Presenters: Elizabeth Stern, Mayer Brown; Marcia Goodman, Mayer Brown | Are your vendors using subcontractors at your site? And, if they are, have the subcontractors been subject to the necessary background checks? If not, your company may be exposed to risks related to terrorism, export control violations, money laundering, anti-corruption laws, data breaches, and visa fraud. Join us to learn how your company can exercise a sufficient degree of control over how vendors vet subcontractors-while not acquiring liability itself. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Ban-the-Box: Multi-jurisdictional Compliance and Enforcement Trends
Track: Legal/Compliance | Presenters: John Zaimes, Mayer Brown; Roxanne Wilson, Mayer Brown; John Drury, Seyfarth Shaw LLP; Robert Szyba, Seyfarth Shaw LLP | States, counties, and municipalities have passed "ban the box" legislation with a variety of requirements that have created a patchwork of legal obligations. Consumer reporting agencies and clients that operate in multiple jurisdictions are subject to a variety of obligations, which at times can be ambiguous, and at times may necessitate separate (and often unique) procedures per jurisdiction. This session provides an overview of key distinctions in the statutes and ordinances in jurisdictions that have banned the box for employees, the penalties that can be imposed for disregarding the law, and insights on best practices for employers to comply with a legal framework that is inconsistent.
April 12, 2018
Best Practices for Compliance with the FTC Act
Track: Legal/Compliance | Presenters: Irene Liu, Checkr; Kandi Parsons, Zwillgen; Tiffany George, Federal Trade Commission | This session provides an overview of the best practices for complying with the FTC Act, including privacy and security best practices for CRAs, end users and furnishers. You also learn how the FTC views unfair or deceptive acts or practices in our industry and the best practices for marketing your services. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Changing Landscape of Tenant Screening Laws
Track: Tenant | Presenters: Webb McArthur, Hudson Cook LLP; Jennifer Sarvadi, Hudson Cook LLP | State and local jurisdictions have been moving to ban or otherwise restrict the use of criminal and eviction records in residential screening. These laws limit what you can screen, how you can screen, and when you can screen. We discuss notable examples of these laws, notably those in Seattle, D.C., and Newark. We discuss how they affect screening, the tension with federal expectations, and where we go from here. | Presented at the 2018 Mid-Year Conference
April 15, 2018
Communication in the Modern Era and Being an Effective Advocate for the Industry
Track: Business | Presenters: Adam Temple, JDA Frontline; Trevor Francis, JDA Frontline | This session focuses on two areas ? how communication has evolved to where it is today and how those in the background screening profession can be effective advocates for the industry. We explore how those in the newsroom - both reporters and editors - do their jobs and why they report the news the way they do. We discuss what those in the CRA industry should know when planning to engage with the media or respond during crisis situations, along with how others view the background screening industry vs. the way those within the industry view it. Finally, we cover how you can effect change through the way we communicate internally, to policy makers and the media. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Driving Records: Putting Your Compliance in Gear
Track: Legal/Compliance | Presenters: Rebecca Kuehn, Hudson Cook LLP; Ronald Raether, Troutman Sanders | Employment screening companies offering driving records must navigate both the Fair Credit Reporting Act and the Drivers Privacy Protection Act. With litigation under the DPPA increasing, this presentation offers a check under the hood for compliance with both of these laws and a chance to tune up compliance.
April 14, 2018
FCRA Ignorance Isn't Bliss
Track: Legal/Compliance | Presenter: Pamela Devata, Seyfarth Shaw LLP | Ignorance isn't always blissful, especially when it results in unexpectedly litigation. NAPBS resident FCRA authority Pam Devata will teach you how to protect yourself and your company from being the next to "learn the hard way" in FCRA litigation. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Increasing Litigation Against Wholesalers: What it Means for the Industry as a Whole, How to Prepare and Defense Strategies
Track: Legal/Compliance | David Anthony, Troutman Sanders LLP; Cindy Hanson, Troutman Sanders LLP; Timothy St. George, Troutman Sanders LLP | An increasing number of lawsuits are being filed nationwide against public records vendors and "wholesalers" of information, claiming that the transmission of public records renders the company a consumer reporting agency for purposes of application of the Fair Credit Reporting Act. These cases raise unique issues and potential defenses, as well as issues of insurance coverage. Moreover, such claims also raise related concerns for background screening companies. This session explores those issues and how best to prepare for such a lawsuit. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Insurance: Why it's the # 1 Compliance Risk Area and How to Get it Right
Track: Legal/Compliance | Presenter: Scott Paler, DeWitt Ross & Stevens S.C. | Far too often, background screening companies find out at the worst possible moment that their insurance policies do not provide the protection they envisioned. The reality is that the value of an insurance policy comes down to the language in the policy. Good language means meaningful coverage. Bad language means the opposite. Attorney Scott Paler, who has examined insurance policies for dozens of screening companies, provides tips for reviewing and negotiating insurance policies. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Investigative Consumer Reports: Litigation Trends and the Salary History Ban Movement
Track: Legal/Compliance | Presenters: William Simmons, Littler Mendelson PC; Courtney Stieber, Seyfarth Shaw LLP; Esther Slater McDonald, Seyfarth Shaw LLP | Many places, including California, are passing laws making applicants' prior compensation off-limits. Though the headlines largely focus on employers, the laws will also cause headaches for CRAs performing investigative consumer reports and employment verifications. Those issues are compounded by the potential for increased FCRA class and individual litigation involving investigative consumer reports. In this session, we cover: (1) a primer on basic FCRA compliance for investigative consumer reports; (2) investigative consumer report litigation trends; (3) salary history ban laws by jurisdiction; and (4) tips for CRAs. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Surviving the Shifts: The Changing Face of Engagement
Track: Business | Presenters: Bryan Snow, Wholesale Screening Solutions; Kym Kurey, Bridges Communications Group; Tom Fulmer, National Drug Screening, Inc. | Times are a changin', and in today's world of perpetual connectivity, a bad customer experience can be shared with the world in a matter of seconds. One study revealed that 39% of customers who have a negative experience will avoid that vendor for 24 months! Consider how many more will avoid that company due to the negative reviews or word of mouth. Customer experience and team engagement are essential to success, but is your company keeping up or getting left behind? For continued growth and increased profits, "shifts" affecting workplace demographics, technology, and litigation rates require our customer service teams to shift as well. In this panel discussion, we will discuss these necessary shifts related to team building, training, technology, communication, trending culture, and how engagement makes it all possible. | Presented at the 2018 Mid-Year Conference
April 12, 2018
The CRA Guide to Social Media Background Screening
Track: Legal/Compliance | Presenters: Bianca Lager, Social Intelligence; Montserrat Miller, Arnall Golden Gregory LLP | Social media sites like Facebook, Instagram, and Twitter have become an unlimited resource of real-time insights. With that, comes an almost equal potential for compliance violations when applying that resource to background screening. This session will address the legal concerns of social media and how the FCRA applies to the usage of social data. We'll also discuss how you can navigate ethical concerns around applying social media to a hiring decision and what CRAs should know in order to answer frequently asked client questions in a compliant manner. | Presented at the 2018 Mid-Year Conference
April 12, 2018
The Prescription Drug Epidemic in the Workplace: What Screeners Need to Know
Track: Drug Screening | Presenter: Nina French, The Current Consulting Group, LLC | It is difficult for any person in the US to ignore the increasing problem of prescription drug abuse. The issue of prescription drug abuse is complex and testing in the workplace requires a firm understanding of what employers are allowed to do when confronted with both authorized use and abuse of prescription drugs. This informative session gives participants insight into the cause of the epidemic, the complexities of managing use and abuse in the workplace, the Department of Transportation's regulations and how screeners can advise their clients on testing now and in the future. | Presented at the 2018 Mid-Year Conference
April 12, 2018
Untangling the Web of Cross Border Transfer Requirements into and out of the U.S.
Track: International | Presenters: Kerstin Bagus, ClearStar Inc.; Kevin Coy, Arnall Golden Gregory LLP | This session will cover the various ways companies can legally move data into and out of the US. Concepts discussed will be EU specific mechanisms, consent methods, and the Accountability model used in other countries. We will also review requirements when sending PII out of the US. | Presented at the 2018 Mid-Year Conference
September 14, 2017
Can or Should Background Screeners Report Name and Address History on Consumer Reports to End-Users?
Track: Legal/Compliance | Presenters: Sheri Fream, TransUnion; Jeff Garza, Data Diver Technologies, Inc.; Montserrat Miller, Arnall Golden Gregory LLP; Mark Weinberg, Data Diver Technologies, Inc. | This session will explore the permissible and appropriate use of name and address history during a background investigation and whether such information can be included in consumer report. Name and address history information - referred to as SSN Trace information, Social Trace or a Social Security trace - serves as a valuable locator tool for background screeners to establish jurisdictions to search for public records. But this tool comes with restrictions from the sources of that data and it is important for background screening companies to know. | Presented at the 2017 Annual Conference
September 14, 2017
Happy Hour with Pam
Track: Legal/Compliance | Presenter: Pam Devata, Seyfarth Shaw LLP | Tired of attending Pam Devata's sessions each year leaving you wanting to sell your business? Let the "scary" stuff go down a little easier this year by joining your colleagues for not so scary cocktail conversation of best practices and risk mitigation tips. | Presented at the 2017 Annual Conference
September 20, 2017
I've Been Sued! Now What? How to Improve Your Chances of Success and Keep Costs Under Control
Track: Legal/Compliance | Presenters: Henry Chalmers, Arnall Golden Gregory LLP; John Papianou, Montgomery McCracken Walker & Rhoads LLP; Stephanie Morgan,; Matt O'Connor, First Advantage Background Services Corp. | Regardless of your company's size, the plaintiff's bar has you in its crosshairs. Knowing what to expect when you're sued, and how best to work with your outside counsel to mount a strong defense, can make a huge difference to the eventual outcome. This presentation will provide a high level overview of what you can expect once you're sued, the steps your company will need to take in order to successfully defend itself, and strategies for working with your outside counsel to maximize your chances of success. Emphasis will be placed on data involving recent cases, settlements, and litigation trends. This unique presentation will be given from the perspectives of both the CRA and defense counsel. | Presented at the 2017 Annual Conference
September 14, 2017
Legislative Update
Presenters: Francine Friedman, Akin Gump; Brent Smoyer, Smoyer Government Affairs | An update from NAPBS' contracted partners, Akin Gump and Smoyer Government Affairs, to include current legislative activity affecting the industry at both the federal and state levels. Walk away with an understanding of the current legislative landscape that impacts your business. | Presented at the 2017 Annual Conference
September 16, 2017
Responding to Consumer Inquiries or Disputes
Track: Legal/Compliance | Presenter: Larry Henry, Rhodes Hieronymus | This advanced session deals with the FCRA and state requirements regarding file requests and disputes. Learn about the states requiring special notices and what must be produced. We will also cover the proper dispute process for resold and originating consumer reports and how a dispute intake process should work including claims of identity theft. Other topics include the selection of personnel to handle disputes, tips on how to investigate disputes, frivolous disputes and the proper subject matter for a dispute. | Presented at the 2017 Annual Conference
September 14, 2017
Retention, Retention, Retention: 5 Keys to Winning AND Retaining Customers
Track: Business | Presenter: Bryan Snow, Wholesale Screening Solutions | It is 6 times more expensive to attract a new customer than it is to retain an existing client. Not only that, but 97% of consumers say there is one thing that matters most to staying with their current provider. In this engaging presentation, learn to not only win more clients but retain more clients as well. Learn how to set and manage expectations, how to meet and exceed expectations and how to create a partnership level relationship. Win more, retain more. | Presented at the 2017 Annual Conference
September 14, 2017
What Staffing Companies Want (and Don?t Realize They Need Yet) in Screening
Track: Legal/Compliance | Presenters: Jennifer Mora, Seyfarth Shaw LLP; William Simmons, Littler Mendelson PC | At the NAPBS Mid-year Conference, we introduced the complicated compliance issues in employment screening when your customers are staffing agencies or have other third-party employment relationships. In this follow-up, we'll get down to brass tacks: what solutions staffing companies want, what solutions they might not realize they need yet, and how a CRA can best meet those asks and add value without unduly undermining compliance. The session will be informed by benchmarking from our related presentation to staffing agencies across the country at the 2017 Littler Executive Employer. | Presented at the 2017 Annual Conference
September 13, 2017
5 Essential Tactics to Grow Your CRA
Track: Business | Presenter: Bruce Berg, Berg Consulting Group | Is growing your business a priority for you this year? Sit in on this session where Bruce will share tactics you can act upon. Attendees of this presentation will walk away with the keys for evaluating current business performance, business growth drivers that matter and best practice recommendations. | Presented at the 2017 Annual Conference
September 13, 2017
Document Verification and Facial Recognition: Authentication for the #selfie Generation
Track: Business | Ken Crowl, Experian | With username and password becoming less secure as a method to ensure identity, other alternative factors are being used. With employees having to submit documents for I-9 verification, how can one do this remotely but still be certain the documents are legitimate? This presentation will discuss the use of document verification technology used in conjunction with facial recognition as a method to provide a stronger level of identity proofing. Additionally, the government, through the National Institute of Standards in Technology (NIST) is looking to require document verification. | Presented at the Annual Conference
September 13, 2017
Don't Let Your Audit Reports Become
Track: Legal/Compliance | Rebecca Kuehn, Hudson Cook LLP; Jennifer Sarvadi, Hudson Cook LLP; Kavitha Subramanian, Hudson Cook LLP | For NAPBS members, ensuring FCRA compliance is central to business risk management. However, the way a company establishes procedures to manage and monitor FCRA compliance could increase future litigation risk. This presentation will cover the Do's & Don'ts of establishing an internal and/or external compliance audit program, considering when to use in-house legal counsel or compliance resources, and when to hire external counsel & consultants. The presentation will discuss the pros and cons of hiring an outside counsel or audit firms to conduct routine business. | Presented at the 2017 Annual Conference
September 13, 2017
Drug & Alcohol Testing Compliance Minefield: Your Road Map to Success
Track: Drug Testing | Presenter: Biill Judge, Encompass Compliance Corp. | With more than 600 state laws, 12,000+ court & agency rulings and 22 states that have mandatory rules that impact workplace drug & alcohol testing, how confident are you that your company is compliant and not at risk? The minefield of compliance rules employers face is immense, ever-changing and costs employers MILLIONS each year for violations. This session will highlight the cost of non-compliance, state-specific nuances and provide a roadmap for a compliant substance abuse testing program! | Presented at the 2017 Annual Conference
September 13, 2017
End Users: The Benefits of Collaboration
Track: Business | Presenters: Rebecca Weiser, The Boeing Company; Nikki Holton, Eli Lilly and Company; Diane Sausman, The Boeing Company; Mark Williams, University of Delaware | The End User Advisory Group invites you to come learn about the history of the group and how collaborating with end users can benefit your business as a CRA. This session will include an overview of the group, an introduction to some of the members, and will conclude with a Q&A opportunity. | Presented at the 2017 Annual Conference
September 13, 2017
End-User FAQs: What Do I Say When My Client Asks ________?
Track: Legal/Compliance | Presenters: Pam Devata, Seyfarth Shaw LLP; Esther Slater McDonald, Seyfarth Shaw LLP; Courtney Stieber, Seyfarth Shaw LLP | End-users are increasingly seeking advice on FCRA compliance from their background check providers, which can muddle the line between end-user and CRA statutory obligations, exposing CRAs to potential lawsuits for simply servicing its customers. In this interactive session, we will explore several frequently asked questions posed to CRAs by their end-users, role-play commonly asked end-user questions and responses, and discuss best practice responses to ensure your CRA can meet its customer's expectations and simultaneously protect your CRA from risk of liability. | Presented at the 2017 Annual Conference
September 13, 2017
FCRA Cutting-Edge Compliance Issues and Litigation Trends
Track: Legal/Compliance | Presenters: David Anthony, Troutman Sanders LLP; Cindy Hanson, Troutman Sanders LLP; Timothy St. George, Troutman Sanders LLP | Litigation under the FCRA, including cases against background screening companies, continues to rise. Those litigation trends can provide valuable lessons for companies in structuring their compliance programs, as well as in defending cases once they are filed. This session provides an overview of current cutting-edge litigation and compliance topics, including recent issues regarding file disclosures, the standards for a consumer to claim that he or she has been "harmed" under the U.S. Constitution, and trends regarding putative class actions. | Presented at the 2017 Annual Conference
September 13, 2017
GDPR: Steps to Meet Key Requirements
Track: International | Presenters: Kerstin Bagus, ClearStar Inc.; Kevin Coy, Arnall Golden Gregory LLP | This session will review of key areas that any screener, worldwide, will need to address in order to meet the new General Data Protection Regulation, which is effective May 25, 2018. We will cover the main requirements as well as provide high level steps to bring your organization into compliance. | Presented at the 2017 Annual Conference
September 13, 2017
Getting Ahead of the Trends that Put Your Organization?s Information Security, and the Organization Itself, Most at Risk
Track: Business | Presenter: Phil Gordon, Littler Mendelson PC | Consumer reporting agencies maintain a treasure trove of personal information that, if compromised, would put them, their end users and the subjects of investigations at substantial risk. That risk continues to grow as hackers perpetrate ever more sophisticated social engineering, CRAs increasingly rely on employees's use of personal devices for work ("BYOD"), and end-users become more demanding when negotiating over information security in end-user agreements. This session will explain these trends and provide practical solutions for getting ahead of them. | Presented at the 2017 Annual Conference
September 13, 2017
Getting Out of Your Comfort Zone: Top Tips for Owning the Public Speaking Stage
Track: Business | Presenter: Vince Brodt, SJV & Associates | Have you ever had the opportunity to speak in public? Was that met with any sense of worry, fear, anxiety, or stress? If so, don't worry, that's normal, and this is the session for you! Attend this educational course to learn public speaking best practices to help you overcome your fear of the stage. Tips will include how to draft an outline for a speaking event, the figure 8 technique for engaging the crowd, examples of pattern interruption, etc. | Presented at the 2017 Annual Conference
September 13, 2017
If You Named Me General Counsel Tomorrow...Where Would I Start?
Track: Legal/Compliance | Presenter: Scott Paler, DeWitt Ross & Stevens S.C. | Good in-house attorneys help companies to identify legal compliance priorities, fight fires, and appropriately balance the business side with the legal side. This is no easy job! Whether your company is large enough to have a General Counsel or not, it's useful to assess your company's positioning by "thinking" like one. During this session, experienced background screening attorney Scott Paler will provide his thoughts on what issues he would tackle if named General Counsel tomorrow. | Presented at the 2017 Annual Conference
September 13, 2017
Legalized Marijuana - The Untold Reality
Track: Drug Testing | Presenter: Nina French, The Current Consulting Group LLC | Legalized marijuana is likely to cost US Employers billions of dollars each year and yet, the overwhelming majority of taxpayers are in support of legalization. Join us to understand the unorthodox path to legalization in the United States and the cost to taxpayers and employers over the next 20 years. This session will provide attendees with new insight into the legalization effort and explain the impact to employers and screeners. | Presented at the 2017 Annual Conference
September 13, 2017
Making the Global Candidate Screening Process Candidate Friendly
Track: International | Presenter: Kerstin Bagus, ClearStar Inc.; Andy Hellman, ClearStar Inc.; Chris Glencross, Sterling Talent Solutions | Operationalizing global screening has focused on how to get the searches done. But what about the experience from the candidate's side? A growing number of end-users are pushing for a screening process that is friendly and easy for the candidate. Candidates see the application process as a measure of the potential future relationship with the employer or housing provider. This session will review areas of focus that can add (or detract) from a good candidate experience. | Presented at the 2017 Annual Conference
September 13, 2017
Risks in Freelancing Gig Economy
Track: International | Presenter:Kannan Chettiar, Avvanz Pte Ltd. | The digital revolution (Industry 4.0) is creating a shift in the type of employment of freelancers in the gig economy. The trend is gaining huge momentum globally as per McKinsey's studies. From a consumer's standpoint, there are obvious risks in procuring services from such independent service providers. There have been a host of liability claims and lawsuits. Unfortunately, not all digital platforms assume accountability of such mishaps and the onus falls on the independent service providers who need to undertake due diligence. Kannan will speak on the HOW. | Presented at the 2017 Annual Conference
September 13, 2017
Sell More Drug Testing
Track: Drug Testing | Presenter: Joe Reilly, National Drug Screening | Sell More Drug Testing is an informative presentation to help background check providers do exactly what the title says. With 24 years' experience in the drug testing industry, Joe Reilly says, "Knowledge is Power" and increased knowledge can lead to increased sales. Your customers are asking for drug testing! The question is are you efficient in providing the best possible services that are in compliance with DOT regulations and State and local laws? | Presented at the 2017 Annual Conference
September 13, 2017
Tenant Screening Basics: What Do You Need To Know?
Track: Tenant | Presenter: Scott Paler, DeWitt Ross & Stevens S.C. | This session will provide a useful introduction for new background screening companies or background screening companies entering the tenant screening space for the first time. It will address issues such as: (1) What type of consent is required? (2) Is the type of consent required different than what is required in the employment arena? (3) Must property management companies send out adverse action letters if they intend to take action based upon a background screening report? (4) What reporting time limits apply to tenant screening checks? | Presented at the 2017 Annual Conference
September 13, 2017
Using Video to Promote Your Business
Track: Business | Craig Caddell, ClearStar Inc. | Introduce your company, products, and services using video but don't screw it up! It's easy to underestimate the effort it takes to conceive of, script, and execute on a visual story. Together, we will critique videos I have produced and several others found on YouTube. By the end of this session you will know what pitfalls to avoid, and the basics on how to make a successful and memorable product video. | Presented at the 2017 Annual Conference
September 13, 2017
Who's Eyeing Your Forms I-9?
Track: Legal/Compliance | Dave Basham, U.S. Citizenship & Immigration Services, Department of Homeland Security | Dave covers a host of in-depth areas and answers your questions about the Form I-9, Employment Eligibility Verification; the differences in the fillable version versus the paper copy; and other "in the weeds" areas that will assist you with your Form I-9 processes and compliance. | Presented at the 2017 Annual Conference
September 13, 2017
You Built Your Company. What's Next?
Track: Business | Presenters: Cherie Homa, HighBank Advisors; Billy Goldstein Sterling Talent Solutions; Jason Morris, Sterling Talent Solutions | Join Cherie Homa and team to learn what to ask when you're considering future options for your company, including a sale. Panelists include an investment banker, an active buyer and a recent seller. They'll uncover and demystify the financial, emotional and career aspects of the sale of a company. You'll learn about the sale process, the current M&A environment, how to evaluate your options, what you need to prepare when considering a sale, what buyers look for, and how to maximize your value. | Presented at the 2017 Annual Conference


Disclaimer: NAPBS materials are often provided by industry subject matter experts. The information and opinions expressed are for educational purposes only and are based on current practice, industry related knowledge and business expertise. The practices may not have been independently vetted and are neither approved nor endorsed by NAPBS.