• 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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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

Read More »

By Mary Beth Guard

• FDIC Talks Internet Banking
• HMDA LAR Update
• SAFE Act Renewals
• Payment Order
• The BCFP “Gets It”
• The Big “Why” – Part 3
   EFTA
• Q&As

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By Mary Beth Guard 

• Updated flood guidance
• OCC Reg E booklet revised
• Farewell to paper savings bonds
• Enforcement actions
• Examiners Can Be Too Soft
• The Big “Why” – Part 2
   EFTA
       

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By Mary Beth Guard

State Statutory Changes

• Small Estate Cash Release
• Protection and Preservation of Property During Foreclosure
• Time limit for customer to sue on indorsement problem
• Minor garnishment changes

The Big Why

• SCRA
• EFAA
• BSA
• ECOA
• HMDA
 

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By Mary Beth Guard

1. Business Continuity Planning
2. Examination Buzz

• Financial Statements
• HMDA
• Flood Insurance
• FDIC Signage
• OFAC
• Debt Collection
• SCRA
• Fair Lending
• Strange Transactions

3. CFPB Action
4. Watch Your Mortgage-Related Fees
5. Major Anti-Steering Case
6. Foreclosure Policies and Procedures
7. Q&As on Recent Changes to Regs B and V

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By Mary Beth Guard

• CFPB Powers Up
• SAFE Registration Deadline Passes
• Check Your Email Signature Line
• Change Your AAN Address
• Updated Authentication Guidance Issued
• Risk Management on Prepaid Cards
• Debit Card Interchange Fees
• RESPA Reg Clarified
• Reg B/FCRA Notice Change
• Changes to the Risk-Based Pricing Notice

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By Mary Beth Guard:

• THE CALM BEFORE THE STORM

By Pauli D. Loeffler

• REVISED OKLAHOMA GARNISHMENT FORMS
• GARNISHMENT QUESTION OF THE MONTH – BANKRUPTCY

By John S. Burnett

• OCC “DROPS THE OTHER SHOE” ON OVERDRAFTS
• OCC’S PROPOSED GUIDANCE ON “DEPOSIT ADVANCE”

By Andy Zavoina

• REG Z AMENDED – DON’T BLOW THIS OFF
• MORTGAGE DELINQUENCY NOTICE UPDATE
• MID-YEAR CHECKUP

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By John S. Burnett

• Federal Garmishment Regulation Update

By Andy Zavoina

• Exam Procedure Changes:  SCRA and Tenants in Foreclosure Act

By Pauli Loeffler

• You asked for it…Combined GFE/TIL
• Reg Z Exemption Amount Increased/Reg Z and Oklahoma’s Uniform Consumer Credit Code("U3C") Coverage Compared
• Consumer Loan Dollar Amounts Adjust on July 1

Read More »

By John S. Burnett

• The Interagency Appraisal and Evaluation Guidelines
• FDIC Posts OD Guidance FAQ
• Fed and FDIC Propose to Pull Interest on Deposits Regs

By Pauli Loeffler

• SHELTER FROM THE STORM – Garnishments, Part Two

By Andy Zavoina

• Good News and Bad News about a New LAR is in Your Future
• New FDIC CRC Address
• Good 1099 News

Read More »