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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
May 2012
March 2012
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March 15, 2012
March 2012 Legal Briefs
• 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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March 14, 2012
February 2012 Legal Briefs
• 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 …
January 2012
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January 26, 2012
January 2012 Legal Briefs
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
December 2011
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December 27, 2011
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
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November 23, 2011
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
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October 18, 2011
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
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September 9, 2011
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
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August 10, 2011
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
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July 14, 2011
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