Duties of Card Issuers Regarding Address Discrepancies Verifying Social Security Numbers Permitted Number of Transactions on Savings & MMDAs

Discussion of Identity Theft Red Flags Developing Responses to Red Flags Suspicious Activity Reports & Privacy Exceptions Example of SAR Filing       Credit Report Alerts & Notices Suspicious Documents Suspicious Personal Identifying Information Unusual Use/Suspicious Activity on Account Notice of Identity Theft

Joint Regulation on Identity Theft Red Flags & Address Discrepancies

D.O.D. Lending Regulation for Servicemembers

Servicemembers’ Civil Relief Act—Impact on Lenders

Background on Subprime Mortgages Interagency Guidance on Subprime Mortgages Statement’s Coverage What is “Subprime”? Substantial Risk Factors Balloon Payments? Consumer Protection Principles Underwriting Standards Control Systems 

Consumer Loan Dollar Amounts Adjust on July 1 Changes to Identity Theft Provisions All ATV’s Transferred After June 30, 2008 Require Titles & Liens How to Re-title a Mobile Home Merged Into the Real Estate Commissioner’s Bill Includes Several Miscellaneous Changes

Changes to Oklahoma’s Vulnerable Adult Abuse Reporting Provisions Financial Neglect; Exploitation Specific Duty to Report Avoiding Singling out Banks  Expanded DHS Powers Illegal Immigration: How H.B. 1804 Affects Banks, Other Businesses Citizenship/Immigrant Verification Independent Contractor Verification “Harboring” Illegal Immigrants Restriction on Issuing ID’s Other Provisions Economic Costs

New Oklahoma Regulations Covering Money Transmitters Returning Checks for “Breach of Presentment Warranty”

Stale-Dated Checks: Should the Bank Pay Them or Not? What the Statute Says Bulk Filing Regulation CC Exception Hold Whether to Pay or Not? Some Possible Approaches When is an Old Check No Longer Good? Reasons for Returning Checks within the Midnight Deadline The Bulk Filing Issue Having a Valid Reason for Return Reasons Limited to the Midnight Deadline “Refer …