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

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• ATR and QM
• Refinancing existing loans
• Safe harbors
• QM product features

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

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• 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

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• 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

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

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• 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

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

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• 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?

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• 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 Transactions Closing Accounts
• Endorsement Verification
• Business (Lottery) Account
• ATMs and the ADA
• Escheatment and Setoff of Cashier’s Checks

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• 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

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• 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

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• 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

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• 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
 

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• 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 a selection of questions and answers from the compliance team that cover a broad spectrum of problem areas.

• FAQs

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