Oklahoma Bankers Association We make bankers better!
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
Legal Briefs
December 2011 Legal Briefs
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
November 2011 Legal Briefs
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
October 2011 Legal Briefs
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
September 2011 Legal Update
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
August 2011 Legal Briefs
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
July 2011 Legal Update
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
June 2011 Legal Briefs
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
May 2011 Legal Briefs
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
April 2011 Legal Update
By Mary Beth Guard
-
Appraisals: What’s Changed
By John S. Burnett
- New Federal Reg to Protect Direct Deposit Benefits Recipients
- Fed Publishes Final HPML Escrow Rules
- Fed Announces Another Reg Z Proposal
- Proposed Reg CC Overhaul Would Mean Shorter Holds, Less Paper
- Credit Card Rules "Clarification" Published
By Pauli Loeffler
- The Times They are a-Changin’: How to Deal with Garnishments in Oklahoma after May 1, 2011
March 2011 Legal Update
By Mary Beth Guard
- Privacy Notices
- Compensating Loan Officers
- Anti-Steering Rules
- New Appraisal Rules
By John S. Burnett
- Coping with the FDIC’s Overdraft Guidance
By Andy Zavoina
- SCRA
February 2011 Legal Update
By Mary Beth Guard
- SAFE Act Registry Opens
- SCRA Becomes a Front Burner Issue
- New Payment Schedule Disclosures
- Poof! Proposed Rules Are Gone!
- Compliance Roundtable Meeting
- Signs, Signs, Update Your Signs
By John Burnett
- The Latest in Deposit Insurance
- Standard Maximum Insurance Amount
- TAG—Oct. 14, 2008–Dec. 31, 2010—R.I.P.
- Temporary Unlimited Insurance — Dodd-Frank Act § 343
- The Last Word (For Now)
By Pauli Loeffler
- Revisiting Regulation V: Risk-based Pricing
- Bankruptcy Practice Pointer: The Co-Debtor Stay
- Question of the Month (and then some): Revocable Trusts
By Andy Zavoina, CRCM
- Lending Reg BOOT CAMP: HMDA
January 2011 Legal Briefs
Federal S.A.F.E. Act Registry Will (Probably) Be Up By January 31, 2011
Banks May Not Accept Tax Deposit Coupons after December 31, 2010
FDIC Insurance Coverage Changes Effective January 1, 2011
Regulators Increase HMDA, CRA Thresholds Effective January 1, 2011
New Reg Z Interim Final Rule Regarding Appraisal Independence Places Major New Burdens on Banks
MDIA Interim Rule effective January 30, 2011 Changed Again
Compliance Dates Roundup
December 2010 Legal Update
OBA’s Legal Department Introduces New Frequently Asked Questions Feature!
Recent Case Sanctions Fraud Loss Shifting Provision in Commercial Deposit Account Agreements
Compliance Dates Roundup
November 2010 Legal Update
New CRA Regulation Effective 11/3/2010
Model Privacy Notices Safe-Harbor Under Reg P Will Change Effective 1/1/2011
New Final Rule Amends Reg Z, Prohibiting Certain Loan Originator Compensation and Steering Practices. Compliance Mandatory 4/1/2011
Federal Reserve Board Rule Reflects Delay in Gift Card Disclosure Requirements to 1/31/2011
Federal Reserve Board Announces Annual Indexing of Reserve Requirement Exemption Amount and Low Reserve Tranche for 2011
FDIC Issues New Guidance on Golden Parachute Applications
Compliance Dates Roundup