Reg D – Savings Deposit Transfers Rule Changes July 2, 2009

Reg Z – MDIA Changes – Effective July 30, 2009

The Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act)

The Oklahoma Department of Consumer Credit’s Truth in Lending Permanent Rule

Consumer Loan Dollar Amounts – No Changes
 

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Charging Consumer Interest Using a 360-Day Year?

Adding a Floor to Variable-Rate Mortgage Loans?

Waiving a Rate That is Too High

Default Interest Not Allowed on Consumer Loans?
 

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New Rules for Disclosure of Overdraft Fees

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New FDIC Disclosure for Banks Offering Sweep Accounts
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1. Various Cost-of-Living Increases in Dollar Amounts for 2009
2. No IRA Minimum Distributions Required for 2009
3. Interagency Statement on Meeting Needs of Creditworthy Borrowers 

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1. Creditor Must Be Notified if Personal Representative Rejects a Claim in Probate
2. Unclaimed Property—Collecting Fees Owed on Safe Deposit Boxes
3. Oklahoma Adopts Uniform Real Property Electronic Recording Act
4. Notification Required for Security Breach Of Computerized Data

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1. Capital Purchase Plan Deadline Extended for Non-publicly-traded Banks
2. "Opt Out" Date Extended for FDIC’s Temporary Liquidity Program
3. Tax Free Charitable Distributions from IRAs

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1. Recent Changes to FDIC Insurance for Trusts, POD Accounts
2. Importance of Training to Deal with FDIC Insurance Questions

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1. Two Changes to Servicemembers’ Civil Relief Act
2. Tax Credit for First-Time Homebuyers
3. Can Banks Freeze Home-Equity Lines of Credit?

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1. Motor Vehicle Lien Entry Forms Are Changing
2. New Statute Allows “Transfer on Death” for Real Estate

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1. Commissioner’s Bill Revises Several Banking Provisions
2. Recent Changes to Oklahoma Banking Board’s Regulations
3. Major Changes to Oklahoma’s Record Retention Schedule
4. Elder Abuse Punishment Increases

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1. Consumer Loan Dollar Amounts Adjust on July 1
2. Paying 3% Interest on County Deposits
3. Accepting Checks with Missing Endorsements
4. Accepting Checks for Collection

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New FDIC Guide to Deposit Insurance Of Trusts & POD Accounts

1. Qualifying Beneficiaries
2. One-Owner Revocable Trusts
3. Revocable Trust Becomes Irrevocable
4. Primary & Contingent Beneficiaries
5. Changed Amount of Insurance?
6. Certificate of Trust?
7. Life Estate & Remainder Beneficiaries
8. Joint Revocable Trusts
9. POD Accounts
10. Contingent POD Beneficiaries
11. Joint Accounts with PODs
12. Irrevocable Trusts

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1. “Local Check” Area Expanding on April 19
2. Recent Court Ruling Concerning Liens on Indian Car Titles
3. Using W-9s (With SSN or ITIN) or W8-BENs to Open Accounts

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