• Cooked books put bank in hot water
• RESPA penalties get personal
• FDIC hits Missouri bank with RESPA violations
• Regulators tout inprovements
• More call report changes coming
• Guides for assisted living and nursing home staff
• Current account takeover cases — lessons learned
• Section 3-508A amended
• But is the U3C applicable?

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• U3C late fee, small loan amounts change
• SSNs and ITINs
• New implied SCRA requirements
• Last-minute flood insurance guidance

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• Keeping customers happy

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• No guns?
• CFPB reports on service members complaints
• FRB debit card interchange fee upheld
• Regulation E slips earn another bank a penalty

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• Where to find what you’re looking for

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• Lessons from the Chase ‘Madoff penalties’
• FDIC tech assistance video series
• Bureau is looking for mortgage ‘pain points’
• Revised consumer booklets
• Still handling paper items?
• Cross-Collateralization
• Garnishments — When all funds are protected
• Record retention — Part 1

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• Resolutions for your bank to consider

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• Dodd-Frank readiness
• Integrated mortgage disclosures finalized
• FinCEN definitions changes
• CFPB regulatory agenda
• Exemption thresholds creep upward

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• Q & A on the Dodd-Frank rules
• Fair lending and qualified mortgages

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• Till death do we part
• HUD’s new qualified mortgage proposal

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• More on certificates of deposit
• IRA CDs
• The four "smalls"
• Durable POA witness requirements

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• Changing your early withdrawal penalties
• Armored-car answer from FinCEN (But…)
• Changes to rural and underserved counties list
• Anatomy of an E-SIGN violation
• What bankers wish customers knew – Part two

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• Notice of title protection document
• Responsible conduct
• Exam workpapers – Reg Z
• (Amended) Ability to repay rules hot off the press
• If your bank issues reloadable prepaid debit cards …
• Treasury still issues some paper checks
• When federal ACH payment names don’t match up
• What bankers wish customers knew

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• Garnishment of Federal benefits rule revisions
• Consumer loan dollar amounts adjust July 1
• The first California/Achieve financial settlement
• Breach of contract
• Final(?) ability to repay and qualified mortgage rules

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• Interagency statement on Biggert-Waters Flood Insurance
• CFPB ability to repay – QM clarification proposal
• Some tweaks for HDMA getting it right
• Escrow rule: What we should have said is …
• CARD Act rule revised
• NAME IT: A guide to formulating a formidable name for your bank
• Oklahoma’s Article 9 remains unchanged
• Oklahoma tax on IRA part 2:

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