This seminar will be a summary of CRA penalties imposed. Compliance, training and SOPs work. there are 1700+ municipalities in Michigan and only 100+ opted in, in a large state. Therefore, more will open. The purpose of this seminar is to educate audience on compliance, training and SOPs and the risks of non-compliance, and on the fact there are 1700+ municipalities in Michigan and only 100+ opted in, in a large state.