Notice of title protection document Responsible conduct Exam workpapers – Reg Z (Amended) Ability to repay rules hot off the press If your bank issues reloadable prepaid debit cards … Treasury still issues some paper checks When federal ACH payment names don’t match up What bankers wish customers knew

Representing more than 1,500 Oklahoma businesses and 350,000 employees, the State Chamber of Oklahoma has been the state’s leading advocate for business since 1926. Our only mission is to make sure that those creating public policy hear your voice before they cast their vote. CONTACT INFORMATION: Contact: Stephanie Snyder 330 NE 10th OKC, OK. 73104 Phone: (405) 664-0268 Fax: (405) …

Garnishment of Federal benefits rule revisions Consumer loan dollar amounts adjust July 1 The first California/Achieve financial settlement Breach of contract Final(?) ability to repay and qualified mortgage rules

Interagency statement on Biggert-Waters Flood Insurance CFPB ability to repay – QM clarification proposal Some tweaks for HDMA getting it right Escrow rule: What we should have said is … CARD Act rule revised NAME IT: A guide to formulating a formidable name for your bank Oklahoma’s Article 9 remains unchanged Oklahoma tax on IRA part 2:

The FBI has recently begun issuing cyber alerts to keep our bankers apprised of potential cyber threats, including DDOS attacks. Our last OBA Fraud Alert was one and you will notice most are technical in nature and, ultimately, belong in the hands of those in charge of your network security. Be assured we (and the FBI) are also including outside service providers …

Traps for the Unwary FFIEC Social Media Guidance – Proposed A World of Two Names Extended Escrows Under Reg Z

The FBI released a FBI Liaison Alert System (FLASH) Message today, containing information on recent DDoS attacks. The contents of the FLASH Message is listed below: SUMMARY (U) Since September 2012, US financial institutions have been under coordinated and timed DDoS attacks. In total, 50 U.S. financial institutions have been targeted in over 200 separate DDoS attacks with varying effects. …

ATR and QM Refinancing existing loans Safe harbors QM product features

To draw your attention to our Fraud Alerts when they are critical, we only send them when an issue is of a critical nature. We also have never repeated alerts. However, the level of wire fraud attempted and completed has risen to a level that now requires some repetition. Look at the July 7, 2012 Alert on wire/ACH fraud and, again, revisit your policies and …

The new mortgage servicing rules New appraisal rules Lending to the military – the CFPB’s new role