Legal Briefs

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:

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

ATR and QM Refinancing existing loans Safe harbors QM product features

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

Out of state, tribal and CFR court orders ATM notice relief Hot topics for 2013 from the FRB COPPA update Deposit insurance reminder Remittance transfers: a brief reprieve Religious headgear and compliance

Corporate Account Takovers ATMs and the ADA Q&As on Getting Rid of Customer Property Foreign Remittance Transfer Rule to Change – Again FDIC Guidance on the Scheduled End of Unlimited Deposit Coverage MRAPLA Disclosures Postponement Reg Z’s Exemption Threshold Goes Up Again

Update on the Foreign Remittance Transfers Rule Updated CFPB Exam Manual and Supervision Findings IRA Time of Year Qualified Mortgages

Reg Z, Late Fees and the Single Pay Note New Safe Deposit Law The Second Appraisal Proposed Homeownership Counseling Changes Tips for Reading the Proposals

Stopping Payment on Cashier’s Checks "Safe Harbor" Provision in Reg E’s Remittance Transfers Rule CFPB Proposal Status Update Your Latest Q&As