Legal

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

Correcting Social Security ACH errors Lessons from the PATCO ruling Abandoned foreclosures proceeding Oh, no! My customer is in bankruptcy! Q&As on OREO Complaint Responses FDIC Insurance Fees ATM Notices Biggert-Waters: Flood Insurance Reform Act Servicemembers Civil Relief Act – Renewed Importance?

Family Trust Property Tax Default Escrow Analysis Statement ACH Question Garnishment Free Checking Account Change in Terms Bank-owed Money-payments HPML Question Deceased Customer State Tax Levy from California APR Item Social Media, After Hours SCRA – Interest Rate Gift Card ATM Fee ATM ADA Compliance Customer E-Banking Question Regulation CC Question CTRs and Banks Tribes and Sovereign Nations Branch Designation POS …

Supreme Court Rules in RESPA Fee Case ATM Disclosures UTMA Accounts and the Custodian That Just Won’t Let Go Consumer Loan Dollar Amounts Adjust July 1 Fair Housing Poster Update Agency Updates

Sole Proprietorships and General Partnerships S.A.F.E. Act Guidance Fair Lending Common Violations in 2011 ’Tis the Season – For Tax Refund Fraud Bureau Clarifies Reg Z Loan Officer Compensation Rule Mining the OCC’s Citibank C&D for Nuggets Mortgage Servicing Change is in the Wind

NOW Account Eligibility Mobile Banking Survey CFPB Complaints FinCEN’s Notice on CDD Paperless Treasury Payments More Call Report Changes Coming FHA Mortgage Pricing Cuts SAFE Act Exam Procedures Posted Extra Time to Respond to Comments Checking Out Non-profits CTR Guidance – Businesses with Common Ownership

• Overdrafts and UDAP • MLO Compensation Issues • FDIC Helps with Understanding Cards • Mortgage Fraud Update • SAR Confidentiality • Playing with your Regulatory Numbers • Deposit Insurance Coverage Training • Payment Processor Relationships  

• The Bureau of Consumer Financial Protection has a Director and the republishing of rules has begun. At the present time, the only major "new" language is in the CFPB’s new Reg E amendments on foreign remittances transfers. Since those don’t take effect until 2013, we will write about them in a future issue. For now, we want to share …

By Andy Zavoina Compliance To-Dos for the New Year By Pauli D. Loeffler Corporations and LLCs By John S. Burnett Reg Q – Gone, but Not Forgotten