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Regulation V Info Regarding FCRA & FACTA
Regulation V Info Regarding FCRA & FACTA
Does FACT Act Apply to Commercial Loans?
Does FACT Act Apply to Commercial Loans?
Credit Score Notice and Notice of Action
Obtaining a Credit Score for Risk-based Pricing
Defining 'Consumer'
Looking for Complete FACTA
Agreement of Physical/Reported Address
Free Credit Bureau Report
Red Flag Checklist - Commercial Loan Guarantor
Commercial Purpose Loan - Required Disclosures?
Credit Bureau Report - No Credit Score Given
Credit Score Disclosure -Interim Construction Loan
FACTA – Medical Collections & Credit Decision
Address Discrepancy Credit Report
FACTA Verification - Fraud Alert on Credit Bureau
Verifying Information for Loan when the Credit Report is Obtained
Reporting Loan Accounts and New Deposit Accounts
Applying 334.82 When Pulling a Credit Report
Form for Reporting Address Discrepancies Provided by CRAs
Pulling Credit Reports when Opening New Accounts
Reconciling Addresses on CRAs for Loans
Physical Address Required to Compy with Dsicrepancy Provisions
ChexSystems and the CRA
Truncating Bank Receipts
Red Flags overlaps BSA/AML, do you know where to look?
Regulations Covering Customer Info Change
Red Flag Rule
Changes in Customer's Address
Sharing Affiliate Information
Red Flag Regs Alert: It's Time to Start Planning
FACTA Address Discrepancy Reg Finalized
FACTA Applicable to Non-Consumer Loans?
FACTA Notice to Home Loan Applicant
Fact Act Letter
FACTA - ID Theft Procedures
Re-adding Credit Scores to Credit Reports
Opt-Out Procedures for Additional Account
FACTA's Red Flag Guidelines
FACTA Confusion - Sharing Information w/Affiliates
FACT Act - Forms, Timing of Notices & Disclosures
Using Previously Pulled Credit Report on New Loan
Protecting Customer's Medical Privacy
FACT Act
Key Factors Disclosure with CRA Model
FI's liability on Indirect Loans & FCRA/FACTA
FACTA section 212 - Sending Negative Disclosures
Applications, Credit Reports and FCRA Disclosures (PDF)
Credit Report Use
Model Form for FACTA Risk-based Pricing Notice
FACTA/FCRA -- For Consumers Only, Right?
FACT Act Regulations: Medical Information
QUIZ: Medical Information Rules under FACTA
Should This FCRA Notice be Sent to Bankrupts?
Updating Loan Policy to Reflect FACTA Changes
Tiered Loan Rates and FACT/FCRA Notice
Does Risk Based Price Need to be Validated?
Documenting Negative Credit Reporting Notice
FACTA May Cause Rise in Complaints
Section 212 of the FACT Act & Mobile Home Loan
FACTA - Financing to Construct Primary Residence
Fraud, FDIC and FACTA
FACT Act - Sharing Information with Affiliates
Lending & Mortgage Departments Share Credit Report
Disclosure of Credit Bureau Scores
FACT Act Negative Notice Disclosure
FACTA - Waiving Disclosure & Notice to Homeowner
FACTA confusion
FACTA - Attaching Credit Report to the Disclosure
Credit Disclosures
Section 212 FACTA Credit Score Disclosure
FACTA - Don't Report Negative Information on Loans
Timing for Notice of Negative Credit Reporting
FCRA guidance needed on score disclosures
FCRA Risk-Based Pricing Disclosures
Model FCRA Notice Language Sought
FACTA and Employee Misconduct Investigations
FACTA Tracking Page
FACT Act Policy
FACT Act Chart
FACT Act requires records release for I.D. theft victims
FACT Act Notice of Derogatory Information
Add "V" to Your Regulatory Alphabet
Credit Scoring Systems Under Reg B
FACT Act Is a Reality
Fair Credit Reporting Act
FCRA Permissible Purpose Rule Violation
Verbal Permission to Run Credit Report (Entity)
FCRA Prohibit Using Consumer Report for Offers?
Rule for Passing Nonpublic Client Information
Documentation Rule for Pulling a Credit Report
Obtaining a Credit Score for Risk-based Pricing
Pulling ChexSystems Reports on Old Customers
Defining 'Consumer'
Credit Report Fee a Finance Charge?
Agreement of Physical/Reported Address
Incomplete Application - Adverse Action & Denial Letter
CIP & ChexSystems on Former Customer
Using Previously Pulled Credit Report - Disclose?
Red Flag Checklist - Commercial Loan Guarantor
Use New Red Flag Checklist on All Customers?
E-Signature for Credit Check
Send FCRA Adverse Notice to Individual & Company?
Pulling Credit Reports - Signed Forms Required?
Contacting the Applicant
Time Frame to Provide Notice of Action Taken
FCRA Notice-Loan Denied Due to Low Appraised Value
Debit Card Declined - Notice of Action Required?
Customer Allowed Copy of Credit Report Under FCRA?
Fact Act Letter
Medical Disability Date Verification
Loan Made to an Identity Thief
Using a Credit Report Pulled by a Mortgage Company
When Do We Send the Credit Reporting Warning?
Voluntarily Giving Customers Copies of Credit Reports
Re-adding Credit Scores to Credit Reports
Adverse Action Notice Sent to Mother & Daughter?
Opt-Out Procedures for Additional Account
Pre-approved Home Equity Loan Promotion
FI's liability on Indirect Loans & FCRA/FACTA
Applications, Credit Reports and FCRA Disclosures (PDF)
Is an Adverse Letter Required?
FACTA/FCRA -- For Consumers Only, Right?
Section 212 of the FACT Act & Mobile Home Loan
FACT Act - Sharing Information with Affiliates
FCRA and Credit Reports
Compliance Signposts
Prescreened borrower now unemployed
Credit Disclosures
Contradiction in FCRA Verbiage?
Customer's Signature for Pulling Chex-Systems
FCRA guidance needed on score disclosures
FCRA Risk-Based Pricing Disclosures
Debit Card Denial Disclosure
Pulling Credit Report for Bounce Protection
Model FCRA Notice Language Sought
FACTA and Employee Misconduct Investigations
FCRA Disclosure Forms
FACT Act Notice of Derogatory Information
Authorization to Access a Credit Report
Discussing Credit Report Information
Credit report dated earlier than application. FCRA violation?
Add "V" to Your Regulatory Alphabet
Denied Debit Card Rules
When Is This An Application
Annual policy reviews
Adverse Action Notices and Co-Applicants
Privacy notice with mortgage affiliate
FCRA & Telephone Applications
Notice for Withdrawn Applications
Debit Cards & Loan Denial Forms
Customer Credit Report Disputes
FCRA and Deposit Accounts
FACT Act Is a Reality
Bad Credit Report & Employee Dismissal
Car Dealership Pulling Credit Report
Credit Scoring for New Accounts
Sharing Credit Report with Participating Bank
Credit Report for Suspicious Activity
Adverse Action Letters to Multiple Parties
Bankruptcy: Can we hot card a debit card?
Can you give the customer a copy of credit score/credit report?
Adverse Action, ECOA, and FCRA
Adverse action for denial of ATM or debit cards?
Guarantor Access To Borrower's Credit Scores
Sample Wording Regarding FCRA For Privacy Notice
Correct Address Of A Credit Bureau For Adverse Action
Signature Required For Guarantor's Credit Report?
Time limit for adverse action notices
Adverse Action Notices: When And To Whom?
Can we provide a copy of their credit report to a customer?
Prescreening Customers & FCRA Violations
Regulations: Defining Application
Is there a retention requirement for notice of account denial?
Lending Disclosures at a Glance
Locating the FCRA
FCRA When?
Question & Answer
Fair Debt Collection Practices Act
Entities Included in Fair Debt Collection Act?
Collections Calls by Lender
FTC Enforces FDCPA
Creditor Held Liable in FDCPA Class Action
Clarification: Fair Debt Collection Act
Fair Debt Collections Practices Act
Overdue Amounts, Delinquent Accounts, and Compliance
Fair Debt Collection Practices Act - A Quick Reference Guide
Fair Housing
When to Use the EHL or EOL Logos
EHL Logo on Letterhead
Fair Lending Risk Assessment
Credit Report & Flood Determination Fees
Fair Housing - Disclose Assets/Net Worth
Fair Housing Poster on Bank Website
Human Model Advertising?
Denying Credit Based on Past Bankruptcy
EHL Logo and Member FDIC on Bank Forms
News Release Compliance Issues - Loan Program
Lobby Posters in an LPO of a National Bank
Annual policy reviews
OCC Required Information, Mortgage Loans
Using the EHL in Print Advertising
FBI on Civil Rights?
Fair Housing Insult is Injury
1968 - 1998 Thirty Years of Fair Housing
COMPLIANCE NOTES - Fair Housing Fact
COMPLIANCE NOTES - HUD's Fair Housing Awards
Wired For Compliance There's a Wealth of Fair Housing Information on the Web!
Fair Housing Fact
Fair Lending
Permissible to Require Loan Apps in English Only?
Rules for Affinity Program w/ Large Companies
Equal Housing Lender Logo/Disclosure On Website
Credit Report Fees and Fair Lending Considerations
Asking for Relationship b/w Co-Applicants
Criticized for Gathering Info on HE Refi Loans
Name of Folder for Fair Lending Compliance?
Risks That Compliance Officers Should Look For
Fair-Lending Violations On Your Examiners' Radar
Marketing Based on Age-Fair Lending Issue?
Fair Lending Compliance
Definition of Greenlining
ABA- Fair Lending Top Compliance Concern by Bankers
Boat Loan w/o Violating Fair Lending Laws
Denying a Loan and Possible Violation of Reg
Fair Lending Risk of Disparate Impact
EHL, EOL, Which is Right?
When to Use the EHL or EOL Logos
EHL Logo on Letterhead
Fair Lending & Loan Marketing
Fair Lending Risk Assessment
Fair Lending - Incomplete Application
Section 35 Loan
Reg B – Listing Order of Applicants
Secondary Market Loans
Fair Lending - Income Verification
Bank Querying Customer on Age & Retirement Plans
Loans Contingent on Account Ownership
Advertising Rates based on Credit Scores
Waiving a Loan Administrative Fee
Advertising Rates based on Credit Scores
Fair Lending - Second Review of Declined Loans
Is this Discriminatory?
Offering Accommodation Loans to Business Customers
Not So Fair Lending?
Launching a Risk-based Pricing Program
Who Are Americans?
CRA: How Are We Doing?
Will Appraisal Picture in File Cause Problem?
Fair lending & auto loans
May We Require Related Services
Annual policy reviews
CRA/Fair Lending
FBI on Civil Rights?
Credit Scoring and Fair Lending
Documentation: Necessary For Everything
Figuring Income When Some Is Tax Exempt
Reviewing Second Reviews
Indirect Loans and Fair Lending Concerns
Fair Lending Policy: Reverse Redlining Issue
Employee badges & fair lender logo
Auditing loan files
Fair Lending Act & TILA Changes
Affordable Loan Program and Fair Lending
Fair Lending
Fair Lending Power Point
Mental Competence, Loans, and Fair Lending
Question & Answer
Mystery Shopping Revisited
Small Business Lending
Preparing for Fair Lending Examinations
Looking For Fair Lending Problems
Find It and Fix It The File Comparison Approach
FNMA under pressure to make more minority loans
HUD Still Hot on Fair Lending
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Fair Housing Insult is Injury
Brokers Friend Or Foe?
Fair Lending's New Horizons
COMPLIANCE NOTES - DOJ On The Move Again
COMPLIANCE NOTES - Lending in "Indian Territory"
COMPLIANCE NOTES - What You Don't Get from A Fair Lending Exam
Fair Lending Practical Advice On Managing Fair Lending
Question & Answer
Question & Answer
Fair Lending The Foxhunt
Compliance Issues - Compliance According to Steve Cross
COMPLIANCE NOTES - What Good Are Bad Loans?
COMPLIANCE NOTES - What Examiners Think About Documentation
Documentation Saves Time…And Banks!
What's Ahead In Compliance Fair Lending, ECOA et al.
Fair Lending The Hazards of Sub-Prime Lending
Question & Answer
Question & Answer
Question & Answer
ECOA & Reg B What is a Credit Scoring System?
COMPLIANCE NOTES - Greenspan On Discrimination
Question & Answers
1968 - 1998 Thirty Years of Fair Housing
What's Brewing on the Fair Lending Horizon?
Appraising Appraisals For Fairness
COMPLIANCE NOTES - Fair Lending Measured by Referrals
COMPLIANCE NOTES - Fair Housing Fact
COMPLIANCE NOTES - HUD's Fair Housing Awards
COMPLIANCE NOTES - HUD Announces Lender Agreements
EDITORIAL - Keeping Perspective
Reno Targets Small Business Lending
The Secondary Market Is It Safe from Discrimination?
Testing Continues to Find Bias in Lending
Question & Answer
Question & Answer
Wired For Compliance There's a Wealth of Fair Housing Information on the Web!
Pricing: Risk-based and Otherwise
Fair Housing Fact
Fair Lending Where's the Risk?
COMPLIANCE NOTES - Risks In Indirect Lending
Fair Lending The Latest Moves from DOJ
Question & Answer
Question & Answer
Fair Lending Which Burners Are Hot
EDITORIAL - Who Is the Fairest Lender of Us All?
COMPLIANCE NOTES - HUD Starts More Fair Lending Testing
COMPLIANCE NOTES - Native American Housing: CRA and Fair Lending
HMDA Data Use It
Question & Answer
Fee Splitting Two Reg Tango?
COMPLIANCE NOTES - Are Testers in Your Lobby?
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Fair Lending Gets Fancy
COMPLIANCE NOTES - Developments in Fair Lending Examinations
COMPLIANCE NOTES - Fair Lending Update: Status of Examinations
The New Fair Lending Examination
Question & Answer
Fair Lending Update On Fair Lending Exams
Question & Answer
How The FRB Uses HMDA Data For Fair Lending
Final Rules From HUD And FRB On Self Testing Privilege
Broker Fees: There's More Than One Wayto Skin A Regulation
Fair Lending: A Storm Is Brewing On Two Fronts
Fair Lending And Insurance Are Related!
Putting Fair Lending in the Proper Perspective
Question & Answer
Fair Lending Developments
Partners: A Fair Lending Resource From The FRB
Fair Lending Alert: Pricing
Fair Lending: The Word from Justice
EDITORIAL - A Level Playing Field
Fair Lending: Underwriting Twists
Question & Answer
Question & Answer
The Latest in Fair Lending Investigations
EXAMINER'S NOTEBOOK - More on Fair Lending: Quality of Assistance
Question & Answer
DOJ's Latest Fair Lending Enforcement Action
Rising Default Rates v. Fair Lending
COMPLIANCE NOTES - Risk-based Pricing
FDIC Proposes Burden Relief in Fair Housing Reg
EDITORIAL - Fair Lending-The Next Four Years
Fair Lending Advice from a Pro
Fair Lending Emerging Issues
Losing Sight Of What Is Fair
CRA/Fair Lending
Question & Answer
New Uses for Credit Scoring
Question & Answer
Question & Answer
EXAMINER'S NOTEBOOK - Fair Lending Examinations March On…
FRB Proposes Rule on Self-Testing
Disputed POS Transaction Authorized - But Scam
Unique Character Facsimile Signature Regulations
Fax Fraud Facts…or…Fraud Fax Facts
Fax Rule
Verbiage for Facsiile Signature Remove Liability
Junk Fax Rules
Status of FCC's Business "Do Not Fax" Rule
Customers Faxing Applications with SSN on Them
Faxed Mortgage Loan Application
Unsolicited Fax Rule Developments
New Fax Legislation
Sample of Frivolous or Irrelevant Notice
Sample of Frivolous or Irrelevant Notice
Chex Systems Considered Credit Reporting Agency?
Regulation V Info Regarding FCRA & FACTA
Pull Credit Report on Spouse Not on Loan
Allowed to Give Customer A Copy of Credit Report?
Using Credit Score to Determine Rates for Promo
How to Claim Single Owned Acct (Deceased Owner)
New RESPA Notice of Error Scope
Run Authorized Agent Only When Opening Business?
Penalties if Conduct Credit Check on Non-Customer?
Blank on Consumer Credit Score Disclosure
Timeframe for Credit Score Disclosure
Adverse Action for Counter Offer to Borrower
Risk Based Notice-Date for Switch from Fed/FTC
Notice to Home Loan App Required for Interim Res?
Reg on Credit Report Only Valid For 90 Days
FCRA Requirements-Adverse Action for Joint App
Adverse Action Required for Denied CD App?
FACTA Disclosure for Loss Mitigation Actions?
Send Credit Score Disclosures on Denial Letters?
New Info CRA for Address Discrepancy (Fact ID)?
Notify Customers Before Run Chexsystems?
Credit Score Exception If Requested Loan Not Secured?
Negative Information Disclosures w/ Adverse Action
Right to Pull Credit Report on Deceased Spouse?
Risk Based Pricing Notice-All Credit Reports?
Notification for Charged Off Consumer Loan (CRA)
Does Fair Credit Report Act Apply to Business?
Paperwork to Run Credit Report on Business Owners
Re-use of Credit Reports and Disclosures
Exempt Customer that is Owner of ATM?
Credit Score Exception Notice for New Loan
Run Signer (Business) w/ ChexSystems w/o Approval
Include Credit Score on Adverse Action Notice?
Adverse Action- Info Obtained from Outside Source
Credit Score Disclosure-Only on Real Estate Loans?
Procedure for Notice of Adverse Action Forms
Send Adverse Action Notices Together if Joint App?
Time Frame to Retain Notice of Adverse Action
Does FACT Act Apply to Commercial Loans?
Credit Score Notice w/ AAN (Denying Deposit Accts)
Reg B ECOA Changes to Adverse Action Notices
Joint Loan Application-Only One Person Qualifies
Denied DDA and SAV Account Opening Requests
Information in Adverse Action Notifications
Credit Report on Non-Borrowing Spouse
Passing Fee to Borrower for Trade Line Updates
Credit Score Disclosure Notice Requirement
Disclosures Needed When Offering OD LOCs
Telemarketing Script for Closed End 1st Mortgages
Risk for Disclosing on All Consumer Loans
Pre-Approving for Unsecured Revolving Line
When to Provide a Credit Score Disclosure
Risk-based Pricing on FACTA Disclosures
Credit Score Notice and Notice of Action
Credit Score Disclosure for Mobile Home Loan
Consumer Reports
Bank Reporting for Exceeding Overdraft Limits
Written Consent to Pull a Consumer Report
How to Complete an Adverse Action Notice
Failed Verifications in Online Identity Verification Databases
Revealing ChexSystems Report
FCRA for Excessive Overdrafts
Requirement for Notice to Home Loan Applicant
Credit Report for Hiring Purposes
Free Credit Bureau Report
Credit Report Regulation
HELOC Denial
Commercial Purpose Loan - Required Disclosures?
Reg AA & Late Fees
Credit Score Notice Timing
Credit Score Disclosure to a Co-signer
Credit Bureau Report - No Credit Score Given
Pulling Credit Reports
FCRA - Mailing Adverse Action Notices
Sharing Customer Info with Bank's Brokerage Firm
Giving Information to Non-Affiliate
Credit Report Authorization Form Retention
Account Denied – Turn Down Letter Required?
Regulation Governing Account Opening Refusal
Credit Bureau Reporting – Advance Notices
Credit Report – Signature Required on Phone Apps?
FACTA Verification - Fraud Alert on Credit Bureau
Customer Wants Credit Bureau History Changed
Pull Credit Report -Disclose at New Accounts Desk?
Send Two Separate Adverse Action Notices?
Notice to Home Loan Applicant Required?
Use New Red Flag Checklist on All Customers?
Credit Report - Written Authorization Required?
Joint Applicants - Separate Adverse Action Notices
Send FCRA Adverse Notice to Individual & Company?
Pulling Credit Reports - Signed Forms Required?
FCRA Notice-Loan Denied Due to Low Appraised Value
Time Frame to Provide Notice of Action Taken
Contacting the Applicant
Debit Card Declined - Notice of Action Required?
Account Declined - Adverse Action Notice
Sole Proprietorships & FCRA Adverse Action Notices
Joint Applicants - Separate Adverse Action Forms?
Customer Allowed Copy of Credit Report Under FCRA?
Verbal Credit Authorization
Fact Act Letter
Notice to Home Loan Applicant Disclosure
Medical Disability Date Verification
Using a Credit Report Pulled by a Mortgage Company
Disclosing Credit Report Info to Customers
FCRA Credit Report Credit Score Disclosures
When Do We Send the Credit Reporting Warning?
Voluntarily Giving Customers Copies of Credit Reports
Re-adding Credit Scores to Credit Reports
Adverse Action Notice Sent to Mother & Daughter?
Credit Checks on Employees with Access to Sensitive Info
Notice Required for Denied Checking Account?
FACTA Confusion - Sharing Information w/Affiliates
FCRA & Credit Underwriting
Is Internal Cross-Selling an FCRA Violation?
Pre-approved Home Equity Loan Promotion
Credit Reports
Applications, Credit Reports and FCRA Disclosures (PDF)
Updating Loan Policy to Reflect FACTA Changes
Tiered Loan Rates and FACT/FCRA Notice
Should This FCRA Notice be Sent to Bankrupts?
Construction Loans
Debit Card Denial
Does Risk Based Price Need to be Validated?
Credit Dispute Checklist
FCRA and Credit Reports
Pulling Credit Reports for Employment Purposes
Reporting Loans to Credit Bureau
Customer's Signature for Pulling Chex-Systems
FCRA guidance needed on score disclosures
FCRA Notice If Reporting OD Status?
Pulling Credit Report for Bounce Protection
Content of the Adverse Action Notice
FCRA Disclosure Forms
Authorization to Access a Credit Report
FACT Act Notice of Derogatory Information
Discussing Credit Report Information
Credit report dated earlier than application. FCRA violation?
Add "V" to Your Regulatory Alphabet
Denied Debit Card Rules
When Is This An Application
Adverse Action Notices and Co-Applicants
Privacy notice with mortgage affiliate
Notice for Withdrawn Applications
Bad Credit Report & Employee Dismissal
Car Dealership Pulling Credit Report
Credit Scoring for New Accounts
Checking the FCRA box for excellent credit?
Credit Report for Suspicious Activity
Business Account Signer, NSF Abuse, and Refusing to Open Account
Denial Forms For Debit Cards
Record Retention on Prescreening
CIP and compliance with other laws
Guarantor Access To Borrower's Credit Scores
New loan numbers for customers who reapply
Sample Wording Regarding FCRA For Privacy Notice
FCRA, Joint Accounts, and Adverse Action
Disclosure Requirements: Declining An ATM Card
Credit Scoring, High Rates and FCRA
Question & Answer
FCRA & Employees
Question & Answer
FCRA, ECOA, and Adverse Action Notices
FCRA Rears Its Head
Question & Answer
Question & Answer
FCRA The OCC Unleashed
COMPLIANCE NOTES - Fair Credit Reporting Practices
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Attention! New Accounts !You Need To Know About The Fair Credit Reporting Act
ASIS Legislative Alert
Question & Answer
Question & Answer
Question & Answer
COMPLIANCE NOTES - Examining (or not) for FCRA
Question & Answers
Question & Answers
FRB Issues Final Notification Forms
Question & Answer
Question & Answer
Fair Credit Reporting: What's "Adverse"?
Question & Answer
FCRA New Rules for Prescreening
Question & Answer
COMPLIANCE NOTES - Dueling Regulations: FCRA v. Crime
Hot Spots In Fair Credit Reporting
Question & Answer
Question & Answer
FRB Proposes New Adverse Action Notices
Question & Answer
Question & Answer
EDITORIAL - Pre-approved Loans - Food for Thought.
How to Divide Over $800,000.00 Under FDIC Limits
Deposits Considered Unsecured Credits if Failure?
Notice Requirements for Sweep Accounts
FDIC Insurance for Revocable Trust
FDIC Logo Required on Information Letter?
FDIC Apply to Beneficiaries for CD Account?
POD on Statement If On Account Agreement?
Member FDIC on Customer Testimonial Poster
Member FDIC on Cashier's Check/Money Order
FDIC Insurance Tab on Bank Website
Where to Find REF Repeal of Reg Q (Demand Deposit)
Mailing Notices to Customers about Dodd-Frank
Advertising Solicitation Compliance Requirements
FDIC Signage in Drive-throughs
TAGP Participation
Logos Needed on Generic Deposit Slips
IOLTA Accounts and Interest Rates
Sign for Transaction Account Guarantee Program
New FDIC Temporary Insurance Rules
TAGP and a NOW Account with Tiered Rates
Member FDIC on LinkedIn?
FDIC Certificate
FDIC Logo and Statement on Name Badges
Member FDIC Signs
Sweep Account - Reg D Violation?
Sweep Account - Reg D Violation?
Do we need the FDIC logo?
Member FDIC in Banner Ad
FDIC & Reg CC Holds
FDIC - TV Commercial
Compliance Issues when Marketing HSAs
Bank Partnering with Realtor - Signage Compliance
CD Deposit Insurance Coverage as of 1/1/2014
Trust is Not a "Natural Person"?
Member FDIC
Disclosure in Foreign Language
FDIC Ruling on POD Accounts
Advertising NDIP in Bank Newsletter
FDIC Official Advertising Statement
FDIC Membership
$250,000 FDIC Insurance Limit Permanent?
Corporate Business Account - FDIC Insured?
New FDIC Signs
FDIC Insurance – POD Accounts
FDIC's Payout Time Frame on Insured Funds
FDIC Insurance - Definition of Official Custodian
FDIC Insurance Coverage - Commercial Accounts
FDIC Insurance & Sweep Accounts
Outdoor Sign
FDIC Insurance Changes - New Signage Required?
New FDIC EH Lender Poster
FDIC Ruling Applicable to Commercial Loans?
Advertising FDIC Insured Money Market Accounts
FDIC Logo on Security Envelopes & Promo Items
Bank Failures, Uninsured Deposits & Loan Payments
Brochure Disclosures
FDIC and Loan Ad
Required/Optional, Member FDIC
Electronic billboard and FDIC
Translating FDIC Disclosures
Website - FDIC Logo
"Member FDIC" Statement
Financial Institution Regulation Defined
Deposit Bags
FDIC Loan Definitions
Insurance Disclosures on Business Purpose Loan
FDIC signs
Member FDIC Logo on Bank-Sponsored School Sign?
Member FDIC Required on Privacy Disclosures?
Government Lists for 314a Search Requirements
OLD FDIC Seal in Print Ads
Event Sponsorship
FDIC Insurance on POD Accounts
FDIC Logo Change?
FDIC Logo and Credit Card Ads
Logo Size Requirement
New Signage?
Displaying FDIC Signage Before the Compliance Date
FDIC Logo Required on Public Relations Ad?
Member FDIC on General Image Boards
Member FDIC in Place of the FDIC Logo?
Exclude Member FDIC?
New FDIC Advertising Rules
Commercial Lending Newspaper Advertisement
Bank Advertising - Member FDIC
Teller Window Signage
Member FDIC Logo on Bank Sponsored School Sign?
FDIC Official Statement in TV Ads
FDIC Signage Change
New FDIC Signage Size
New FDIC Logo
Complying with FDIC SCANS bulletin #Chiro-04-2001
Say It and Show it?
FDIC Logo - Minimum Type Size on Print Ads
Lender Business Cards - EHL Logo & FDIC Logo
Member FDIC on Construction Signage?
Member FDIC on Name Badges
Use Member FDIC or DIF in Newspaper Ads?
Member FDIC & Outhouse logo on Survey Form
Online Annual Reports and the FDIC Logo
Readability Standards For "Clear and Conspicuous" Display
EHL & FDIC Logo Required on Direct Mail Postcard?
Using The FDIC Logo When Marketing Your Wealth Management Products
Regulatory Logos on Promotional Items
FDIC Logo & EH Logo Left off of Promo Pens
FDIC Insurance Coverage of Individual Accounts
Member FDIC Required on ATM Billboard Ad?
Minimum Size of the FDIC Logo
Trust & Investment Products In The Same Ad
POC Costs & Property Taxes Listed on HUD-1A form
Step Children as Qualifying Beneficiaries
FDIC Logo Required on Generic Statement Stuffer?
EHL Logo and Member FDIC on Bank Forms
FDIC Insurance Scam
Is FDIC Logo Required on Informational Brochures?
FDIC's Web Service
Email and Internet Fraud
More Scams using FDIC
Fraud, FDIC and FACTA
Size Restrictions on FDIC Insurance Signs
Advertising a Private Insurance Carrier's Logo
Member FDIC & EHL Logo on Teller Receipts
Reasons for Filing a SAR
List of Required Signage from the FDIC
Age and Product Features for Senior Accounts
FDIC Signage Dilemma
FDIC Issues EDIE on CD-ROM
Penalties for Violating FDIC Ad Rule
Are irrevocable trusts covered by FDIC deposit insurance?
Are EHL Logo and Member FDIC Required Here?
Financial Education Site
FDIC Membership Requirements
Statement of Condition Availability
Risk-Based Compliance Exam Procedures
FDIC Signage on ATMs and Night Depositories
Regulatory Logos on Promotional Items
Special Financing for Flood Victims
Securing Deposits In Excess Of FDIC Insurance
ATM Signage Requirements
Trust & Investment Products In The Same Ad
Multiple Products, One Ad, & Disclosures
Is the FDIC logo required on business cards?
FDIC Coverage For Irrevocable Trust Account
FDIC Insurance Coverage On Business Accounts
Adding Marketing Language To Monthly Statement
FDIC Issues Current News On Internet
Estimating Uninsured Deposits for your Call Report
Making Sense Of FDIC Joint Account Coverage
FDIC Insurance
FDIC Coverage For Non-Profit Business Trust Acct.
FDIC Changed Deposit Insured Amount to $100,000?
FDIC $250,000 Insured Limit for Multiple Accounts
FDIC Insurance Apply to Cyber Crime Loss of Funds?
Non-Insured Products Flyer In New Accts Folders
Is FDIC Coverage Changing This Year?
FDIC Logo Required on Flyers for OREO Properties?
Money Market Included in Insurance for FDIC?
Does FDIC Insurance Cover Authorized Signer?
Transaction Account Guarantee Program
FDIC Insurance Limits
FDIC Insurance Coverage
Member FDIC Signs
Lending Production Office, FDIC Signs Required
FDIC Insurance on POD Accounts
Marketing "Not FDIC Insured" Insurance Products
Is an IOLA Account Covered Under FDIC Insurance?
FDIC Insurance Coverage of Individual Accounts
Trust & Investment Products In The Same Ad
Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs
Step Children as Qualifying Beneficiaries
Safe Deposit Boxes Are Not FDIC Insured
FDIC Insurance Scam
Advertising a Private Insurance Carrier's Logo
FDIC Signage Dilemma
Umbrella Deposit Coverage Availability?
Program Allows Customers to Beat $100,000 Limit
One Signature on the Card--is it a Joint Account?
Family Trust as Beneficiary?
Ownership & Insurance of Account
FDIC Membership Requirements
AARP Boosts Higher Insurance
Information on CDARS
Adding A Living Trust As POD
Adding Marketing Language To Monthly Statement
Lobby Notice Requirements Chart
Using The FDIC Logo When Marketing Your Wealth Management Products
How should we handle the interest from a $100,000 CD if we have no forwarding address?
"On Hold" Telephone Marketing & FDIC Insurance Disclosure
POD CDs & FDIC Insurance Coverage
FDIC Insurance For Business & Non-Profit Accounts
Joint Account Deposit Insurance
Estimating Uninsured Deposits for your Call Report
FDIC Insurance For Government Entities
FDIC Statement in Ads
FDIC Insurance Fee
FDIC Coverage on Church Accounts
Making the Most of FDIC Insurance
Question & Answer
Audit Committee Membership Requirements
"FDICIA"…And The Beat Goes On…
Fee Income
Charging an Advance Fee on Consumer LOC
Continuous Overdrafts Fee - Notify Customers?
2007 HOEPA Base Fee Amount
Charging a Credit Report Fee at Closing
Outside Vendor Paying for Customer Referrals
Requiring Bank to Disclose a Fee from a 3rd Party
Changing Late Fee on Existing Loans
Check Processing Fee
A Lesson Learned
ATMs May Need New Direction
Rules For Free Checking?
Charging Bad Address Accounts A "Service Fee"
Waiving Fees For Certain Business Customers
Limits on Consumer Loan Fees?
Required Level Of Detail On the GFE/HUD-1A
EDITORIAL - Let Them Eat Cake!
And We Wonder Why Customers Get Angry!
Overdraft Protection Options-Increasing Fee
Can A Fee Be Charged For Overdue Payment On SDB?
Fee Limit When Borrower Changes Insurance Co.
Fees for Non-Customers Using ATM
Laws On Changing Monthly Fee On Dormant Accounts
Charge Fee For Periodic Statements?
Use and Occupancy Fee Considered APR Fee?
Possible to Charge Client w/Excessive OD Charges?
Allowed to Give Customer A Copy of Credit Report?
CBC Credit Bureaus Fees Passed On To GFE
Allowed to Charge Customer Modification Fee?
Right of Offset to Pay Towards Past Due Payment
Normal Fee to Charge for Cashing Govt Check
Cost of Certified Mail for Collection Activity-Fee
Charge Wire Fee If Resending the Same Wire?
Collect Fees on Home Equity Before Closing?
Collection Practices for Mortgage Appraisal Fees
Charging for Additional PINs to ACH-pay Taxes
Governing Authority That Regulates Fees?
Different Origination Fees for Each County?
Credit Report Charge Amount=Vendor Amount?
Disclose Fees as POC to get Correct APR? HELOC
Charge Appraisal Fee on Consumer Auto Loan?
Credit Report Fees and Fair Lending Considerations
Waiving Loan Administration Fees for Customers
State Law Caps on ATM Fees?
30 Days Notice Required When Increase Fees?
Refund Fraudulent Check Fees Clearing Business?
List of Fees Included in APR Calculation Oct. 2006
Fee for cash advance on debit card
Offer Notary Services & Charge Non-Customers?
Including Personal Checking in Analysis Group
Charging Fees in Finance Charge-Real Estate Loan
Charge Fee for Non-Customer Cash Advances?
Requiring Customer to Pay Back Fees Reversed
Reg E Fees
Minor Account Dormant Fee for Inactivity
Charge Loan Fee for Borrowing Against CD?
Charge When Old Rebate Checks Hit Old Account
Refund 3rd Party Fees if Loan is Denied?
Dollar Amount Limit on Charging NSF Fee
Rules for Holding Funds on Acct: Bank has Lien
Charging Overdraft Fee on Frozen Account
Adding a Charged Off DDA, Savings Acct. to Loan
Late Fees on a Single Payment Loan
Check Cashing Fee
Implementing Fees on Inactive Accounts
Reg O and Fee Waivers
Fees for Overdrafts
Disclosing Wire Fees on Statement
Fee for ACH One-time Originations
ATM Fees for Active Duty Military?
Reg E Opt-in Confusion
Reg that Covers Commercial Deposit Holders
Opt-out Chosen: Can we Charge NSF Fee?
Charging Modification Fee?
ATM Fee Refunds and IRS Reporting
Notice for New ACH Fee
Wire Transfer Fees
Paying Bank Employees a Referral Fee
Fees on Home Equity Loans
Pre-paid Real Estate Fees
Business Money Market Account Activity
HELOC - Fees & Closing Costs
Unsecured Credit Line Over the Limit Fee
Revolving Credit Loans - Over the Limit Fees
Fee Increase – New Opt-in and Disclosures Required?
New RESPA Forms - Loan Fee Disclosure
Issuing GFEs at the Branch
HSAs and Overdraft Fees
Reg DD Compliance – Overdraft Fees & Return Fees
ATM Hold – Overdraft & Return Check Fees
Date of Opt-in Fee Waiver
Inadvertent Reg O Violation
No OD Program - Opt-out all Customers?
GFE – Inspection Fee Disclosures
Wire Fee Change – Disclosures Required?
Reg E – Handling Consecutive OD Fees
Documentation Fee
Daily Overdraft Fee - Customer Notice
Flood - Life of Loan Determination
Third Party Vendor Real Estate Evaluations
No Origination Fee on HI Loans?
Loan Extension Fee
Fee Change – Additional Disclosures & Wait Period?
Doc Preparation Fee Guidelines
POC Query
Posting ATM Disclosures
Overdraft Fee Disclosures
Real Estate Admin Fee
Demand Deposit Loan
Foreign Credit Card Cash Advance Fee
Reg AA & Late Fees
New Guidelines - Charging a Refinance Fee
Reg D - Do Fees Count Toward the Six Transfers?
Credit Card Act Confusion
Credit Card Act Confusion
Mortgage Loans Fees & the APR
ATM Non-customer Fee Disclosure
Loan & Filing Fees – Trigger ROR?
Packaging Fee
Credit Report & Flood Determination Fees
Referral fee for business accounts
Proof of Insurance Fee
EVP Covers Son's OD - Reg O Violation?
Reg E Dispute - Arbitration Fees
Closing Fee a Pre-paid Finance Charge?
ATM Disclosures
Reg O - NSF Fee Refund
Charging a Paper Statement Fee
Waiver of ATM Fees
Loan Sold to Investor - Borrower Closing Costs
Real Estate Transaction Fees
New Reg DD Amendment – OD Fee Disclosures
TIL Disclosure Statement - List Fees?
New RESPA Rules - Tolerance for Fees
State Unemployment Debit Cards
Recovering a Bonus for Early Closure
New RESPA Rules - Tolerance for Fees
Reg DD Changes?
Reg O – Senior Management Employee Benefits
Origination Fee Discrepancy
Reg Z - Inspection Fees in the Finance Charges
Pass on Legal Fees to Garnished Customer?
Disclose Fees Borrower Doesn't Pay?
FHA Loans - Referral Fees
NDIP Referral Fees
Third Party Originator Referral Fee
Commercial Deposit Accounts - Fee Guidance
New TILA Pre-Disclosure?
NSF Fee Change Notice
Appraisal Review Fee
Underwriting Fee Charge
Free Accounts and Fee for Statement
RESPA – Title Company Broker Fee
SCRA – Is 6% the Interest Rate or the APR?
Paying Tellers a Referral Fee – RESPA Violation?
Bank Employee Checking Account OD Protection
Error Resolution Investigation - No Fees Allowed?
Deposit Incentive
Reg R Section 218.701 Compliance
Charging a Fee on a Denied Debit Card Transaction
App Withdrawn/Denied - Collecting an Appraisal Fee
Reflect All Fees on HUD Prepared by a Title Co?
Reg Governing Debits & Fees for NSF Checks
Seller Paying Fees Due at Closing
Full Amount of Fee as Prepaid Finance Charge
Reverse Referral Fee
Commercial Loan Referral - Paying a Finder's Fee
Reg DD - Posting Fee Change in Branch Lobbies
Tax Holding Fee - Part of the APR?
ATM Withdrawal - NSF Fee
OD Fee Disclosures - Changing Order of Items Paid
Totally Free Business Checking
Waive Wire Transfer Fee - Reg O Violation?
Business & Farm Loan Renewal Fee
Service Charges
Bank Flyers at Dealership & RESPA Referral Fees
RESPA - Risk Insurance Premium Disclosures
Modification Fee - New Disclosures Required?
RESPA - Kickbacks & Mortgage Broker Fees
Reg E - Interested Included in Customer Liability?
Overdraft Fee Covered Under Reg E?
Referral Fee to Customer
Reporting Refund Fees on 1099s
Calculation of Fees Subject to HOEPA
Roll Attorney's Fees into First Mortgage?
Mortgage Rate Lock Fee
Mobile Home Late Fees
Requiring E-Statements
Lowering Rates on Existing Mortgages - Redisclose
Mortgage Application Fee
Paying Off Late Fees with Escrow Account Funds
ATM Surcharge Fee Refunds - Tax Reporting
Foreign ATMs - 1099 Reporting
Tiered System Overdraft Fee Disclosures
Texas NSF Fees
Disclosure of HELOC Early Termination Fee
Section 32 Loans - Fee Trigger Threshold?
Overdraft Fee Increase - 30 Days Notice Required?
Tax Service Fee Exempt from RESPA Disclosure?
Member FDIC on Sheet Stuffer?
Privacy - Is Vendor an Affiliate?
Skip Payment Plan
Limitations on Late Charges
Reg E - Temporary Reversal of OD/NSF Fees
Charging a Savings Account Overdraft Fee
HR 946 - Overdraft Fee Bill
Stolen Debit Card - Refunding Foreign ATM Fees
Appraisal Fee Reimbursement
Vehicle Lien Filing Fee
Inactive Account Fee
Double Charging
HOEPA Worksheet Query
New Account Sale - Referral Fee
Why Isn't This Fee a RESPA Violation?
Raising Wire Transfer Fees - New Disclosures?
Cashing On-us Checks for Non-customers
Reg O - Waiving the 1% Origination Fee
Reg E - OD Fees & Provisional Credit
Disputing ACH Debits on a Pay Day Loan
Mortgage Late Fee
Reg Z and Filing Fees
Credit Account for ODs from Lost ATM Card?
Refund Included Provisional Credit Notice?
Waiving a Loan Administrative Fee
Needs Help Understanding Statement
Pull a Credit Report for an Account
Free Checking Advertising - Inactive Account Fee
FASB Documentation Fee Disclosure
Where in the Reg?
EHL Included in all Advertising?
Non-client Savings Bond Redemption Fee
Guidance Needed on Late Charge Assessments
Changing ATM Service Providers
RESPA - Won't Show the Fees as POC
Correcting a Closing Fee Error
Gift Cards- disclosing fees on advertising
Non-customer Credit Card Cash Advance Fees
What are Goods and Services in Lending?
Unrelated Third-Party Assumption
Reverse Mortgage Referral Fee
Reflecting Appraisal Fee on the HUD-1
Bounce Protection Fee Notification
Splitting Advertising Costs - RESPA Violations?
Appraisal Fee Refund & Notice
Broker Residental Mortgage Fees
Mortgage Satisfaction Fees
Bank Wants to Increase Fees, Disclosures Required?
Free Checking - Account Closing Fee
Transfer Fee Considered a Reg D Transaction?
Charging a Credit Report Fee at Closing
Credit Report Fee
Treatment of Appraisal Fee on GFE and HUD-1
Paying Director's Uncollected Funds Check, No Fee
Agents Pay Portion of Comm to Real Estate Agencies
Fed Ex Fee Part of the Finance Charge?
Appraisal Fee Disclosure
OD Program - Disclosures and Notices
$10 Fee for Cashing a $15 Check
Advertising Fee Free ATM Usage
Title Updates
Reg O - Executive Officer's Repeated Overdrafts
Late Payment Time Frame
Construction Loan Survey Fee
HELOC - Disclosing Closing Costs
Service Charge Change Notice
Flood Certification Fee Split
APR Rate Impacted by VSI Fee?
Free Checking Account Inactivity Fee
Calculate the Survey Fee as an APR Fee?
Document Preparation Fee Disclosure
Return Fee and a Late Fee?
HUD Fee Matching the TIL Fee
Charge an Overdraft Fee & Interest Fee
ATM Foreign Currency Conversion Fee
It's Back! 30 Year Maturity Series
Disclosing Credit Report Fee
Home Equity Application Requirements
10% Fee on Every Draw from a HELOC
Brokered Real Estate Loans - Origination Fee Issue
HELOC Late Fees
Paying a Referral Fee for Done Deals?
Is this Transaction Fee a Finance Charge?
Reg DD - Statement Printed After July 1st Deadline
Win Cash at the ATM
Accounting for Fees in Delinquent Payments
Notice of Overdraft - Required?
Bridge Loan Origination Fee Refund
Charging a Fee on a Completely Free Account
Regulation DD Changes -- A Sleeper Issue?
Allowed Mortgage Fees
Commercial Account Overdraft Fees
Fees for Overdrafts and for Returning Checks
OD Fee on Overdrawn Account Due to Service Charge
Reg DD Overdraft & NSF Fee Disclosures
Digital Storage Fee a Finance Charge Fee?
Paid Outside of Closing Fees
Do We Disclose Overdraft Fees on Statements?
Charging a Rate Lock Fee on Mortgage Loans
Are These Fees Considered Finance Charges?
Reflecting the Refund of Fees on the HUD-1
Fee for Loan Payments Made with Credit Cards
Increasing Surcharges on ATMs
Disclosing Condo Fees
Fee Limitations on Force-Placed Flood Insurance
Charging a Fee for Cashing Foreign Checks
Charging a Fee to Cash IRS & State Checks
Charging an Administrative Fee on a Consumer Loan
Placing Holds on US Treasury Checks
Annual Financial Disclosure Statements
Charging a Fee. How Do We Update the GFE?
ROR - Bona Fide Personal Financial Emergency
Fee Limitations on Forced Placed Flood Insurance
Requiring Bank to Disclose a Fee from a 3rd Party
Puzzled by the OCC's Handy Chart
Referral Fee from a Mortgage Broker
Forwarding Declined Loan Applications to Mortgage Company
Savings & Checking Account Inactivity Fees
Changing Saving Withdrawal Fees
Paying Fees to Employees of an Affiliate
Overdraft Fees on Savings Accounts?
Excessive Transactions - Charging a Fee
Reg DD - Garnishment & Levy Fees
NSF Fee for POS Transaction
Refunding Fees Charged for Excessive Withdrawals
Loan Fees & Late Fees (PDF)
Lending referrals
Augmenting the Loan Origination Fee
HUD-1s and Fees
Disputed Visa Debit Card Transaction Fee
Investor Asking Us To Refund to Borrower
Admin Fee VS. Processing Fee
Is the Courier Fee Part of the Finance Charge?
Debit Card Change In Terms-Before Product Launch
TISA Notice for Increased Fees
Mortgage Broker Looking for Answers
Waiving the Overdraft Fee - Director is Signer
Document Prep Fee in APR?
Origination Fee vs. Points
Referral Fee for Commercial Loans
Underwriting Fee Included As a Finance Charge
Are your Internal Controls like Swiss Cheese? Part 14
Lending referrals
Chart for fees in APR and Section 32
Disclosures for Charging Foreign ATM Fees
HOEPA - New Points and Fees Dollar Threshold
Calculation of HOEPA Fee Trigger/ MOB Not Included
Charging a Fee for Inactive Accounts
Is NSF Fee for Paid Items a Finance Charge?
Check-Cashing Fees
Disclosing Fee for Withdrawal
Upcharging and Disclosing It Correctly
When Is This Fee A Finance Charge
Charging NSF Fees on Saving Accounts w/ACHs
Required to Send Notification of Overdrafts?
What Fees Should Be Disclosed as PFC's?
Cashing On-Us Checks for Non-Customers
Merchants Collecting NSF Fees Automatically
Documentation Fee's affect on APR
Disclosing the Flood Certification Fees
Cashing Checks for a Fee, Register as an MSB?
RESPA and Fee for Services
Referral Fee to a Broker for Auto Loans
Offering Consumers a Fee for Customer Referral
Is a Wire Transfer Fee a Finance Charge?
Can We Collect Our Fees Before Paying a Levy
Changing Late Fee on Existing Loans
Is this Fee Splitting or an Acceptable practice?
Early Disclosure Wrong, Closing Correct, What Now
Permitted fee for services?
Charging an Additional Fee for Difficult Deposits
Early Disclosure Wrong, Closing Correct, What Now
Regulation E Fee Disclosures - §205.7(b)
Fee for Desktop Underwriter
Fees to be disclosed per RESPA?
Bill Payment Fee Disclosure
Document Review Fee a Finance Charge?
Refund of Rate Lock Fee -- POC?
Regulation E Fee Disclosures
Advertising - Charging ODP Fee on Free Checking
Notification to Change a Fee
Overdraft Fee on a Savings Account
Application fees, credit reports, and disclosure
Inspection Fee a Prepaid FC?
Is This Fee a Finance Charge?
Fee Disclosed, But Never Imposed
NSF Fee on an ACH Item
No Fee, Waived Fee and RESPA GFE
Reg Z Section 32 Clarification Sought
Fees in Finance Charge
Check Processing Fee
$50 for Direct Deposit & Funds Transfer
Reg. DD Fee Change Notice
ACH Fines for Unauthorized Transfers
Fees for coin-counting services
Passing on fees for automated underwriting system
Paying Mortgage Referral Fees
What Fees are Marked as Prepaid?
$3,000 Log, Include the Fee?
Charging For Affidavit for Unauthorized ACH
What Do Other Bankers Do?-Lending To Rural America
Fee Limit in Reg D?
Fee for Force-Placed Flood Coverage
Can We Still Cash These Checks?
Is Account "Free" if We Charge for Images?
Are Inspection Fees Finance Charges
Reg. DD Fee Change Disclosure
Steps in Changing the Fee for a Safe-Deposit Box
RESPA Referral Fees
NSF Fee on a Savings Account
Charging a Fee on a Completely Free Account
Are Fee Waivers Tax Reportable
Reg O and Overdraft Fees (Not) Charged
Combined Fees on a Mortgage Loan
Pre-Paid Finance Charge
If the bank pays the fees, are they still finance charges?
We're Watching
Disclosing Fee Changes
Paying for Loan Referrals
Free Accounts with Low Balances Cost Us Money
Converting Safe Deposit Boxes from Free
A Lesson Learned
Military leave
Waiving Service Charges for Directors
Referral Fees for Commercial Referrals
Balancing Fees Between TIL and HUD-1 Disclosures
Rescission on Interest and Fees
Paying Interest on Disputed Amounts
Noncustomer Check Cashing Fees for Tax Checks
Internal Appraisal Fees=Finance Charges
Noncustomer Check Cashing Fees for Tax Checks
Fees Under Section 32 of Reg Z
Prepaid Charges Affecting the APR
Statement Disclosure Requirements
ATM Surcharge signs
Disclosing Miscellaneous Fees
Classification of Doc Prep Fees
Difference in Points and Origination Fees
Payoff-Related Fees
Disclosures of Fees on Commercial Loans
UCC Recording Fee Treatment Under Reg Z
Mortgage Referral Fee Paid to Employees
Appraisal Fees on Construction Loans
Fee for Verifying Tax Records
Application Fee vs. Third Party Fee
RESPA and a "reasonable" fee
Reg Q and waivers of fees
Merger-Related Fee Changes
Finance Charges & Construction Loan Inspection Fees
Dormant Fees on Official Checks
Disclosing life of loan determination fees on TIL disclosures
Settlement Fees - Attorney vs. Settlement Company
Doc Prep Charges on the HUD-1
Disclose Cancellation Fee on the HUD1?
Adding handling fee when force placing insurance
ATM Disclosures Regarding Fees And Availability
TIL & Rate Lock Fees
Fees For In-House Flood Determination
Credit Reports, Flood Determination, & HUD-1 Charges
Car Dealers, Fees, and Disclosures
Rescission: Must a financial institution refund "non-refundable" fees?
Negotiated closing costs & no-closing cost loans
Required Fees Listed On TIL Disclosure
Charging Bad Address Accounts A "Service Fee"
Return Of Draft, Fees, and UCC Deadlines
Waiving Fees For Certain Business Customers
"Notice of Hold" & Collection Of Return Item Fees
Increasing NSF Fees: Is a 30-Day Notice Required?
Limits on Consumer Loan Fees?
Getting the HUD-1 Right
RESPA: Itemized Fees vs. Single Processing Fees
Credit Bureau Fees & The HUD-1
Reg Z and Sec. 32: Is a courier fee "always" a Sec. 32 charge?
Settlement Fees - Attorney vs. Settlement Company
Advance Notice To Raise Fees?
Automobile Loan Fees For Insurance Tracking
Mortgage Referral Fees
Changing Fees & Customer Notice
Fees For Court Order Compliance
Referral Fees For Commercial Loans
RESPA, Recording Fees, and the GFE
Loan Payments, Fees, & Overdraft Protection
Loan Fees & Collecting Accrued Interest
Reducing Loan Fees For Employees Only
Doc Prep Fees, APR, and Prepaid Finance Charges
Are construction loan inspection fees (performed by an outside firm) included in the APR calculation?
Construction Inspection Fee: Finance Charge or Prepaid Finance Charge
Referral Fees For Commercial Loans
Charging Fees For An Erroneous Error Report on an EFT
State Law Or Federal Law For Loan Fees
Piling on NSF Fees
NSF Fees on Subsequent Presentments
Extending Commitments, Extra Fees & Disclosures
Fees To Cover Reg E Compliance
Internet Banking Fees: Can notification of changes be make (only) on the web site?
Definition: Pyramiding Late Fees
Brannam v. Huntington Mortgage Company
Overdraft Fees on Electronic Transactions
Closing Agent Fee
Stupid Fee Tricks
Charging Fees to Comply with Requests
ATM Fee Notices
Application Fees
Using Average Costs For Loan Fees
Charging Fees For Returned Mail
Is it illegal to charge a loan documentation preparation fee?
Mortgage Loans, Credit & Appraisal Costs, and Application Fees
Refunding Non-Refundable Fees
Disclosures: Different Fees For Different Markets
Are attorney's fees considered a finance charge under Reg Z?
Attorney's Fees
Fees: Overnighting the Loan Docs
Fees For PAYOFF Statements
Question & Answer
EDITORIAL - Fair Banking and Fees
Fees Service, Service Fees, and Compliance
Federal Reserve
Correcting Variances on HUD w/different Processors
Posting a Bank's Credit Card Agreement
Timeframe to a File a Without Entry Claim
Force Place Flood – Adding New Collateral
Force Place for Flood Zone Discrepancies?
Blanket Insurance Policy
Flood Certification Frustration
Mandatory Flood Coverage on All Buildings?
Flood Insurance - Additional Premium Owed
My Home Is & Isn't in a Flood Zone
Property Deemed to be in the SFHA
Flood Zone Change & the Grandfathering Rule
Determining the Flood Premium & Disclosing on GFE
Flood Insurance - Uninsurable House
Flood Insurance Coverage Conundrum
Flood Zone Re-mapping Notices
Oops! We May Have Flood Penalty Disaster
When the Zone Differs
Two Flood Certifications/Determinations Needed?
HELOC - Loan Advance by Spouse Not on the Note
Dispute of Flood Zone
Force-placed Flood Insurance Notice Cycles
New Flood Hazard Determination Form
Two Part Flood Question
Current Federal Forms
FEMA makes flood hazard tutorials available online
Flood Cert. on a Mobile Home
Your Existing Loan Portfolio: Does It Comply With The New Flood Insurance Requirements?
International Wires - Checking 311 Entities
FFIEC Guidance of Online Banking Environments
How to Implement Risk-Based OFAC Monitoring Practices
Secondary Market Loans
BSA/AML Risk Assessment
Proof of BSA/AML and Compliance Training
Update Original Reports & Use the Same Appraiser?
Drive-by Appraisal
Acquisition & Merger - HMDA Reporting Requirements
Issuing an RFP for Risk Assessment Services
Opting Out of Multi-factor Authentication
Shady Auto Loan Customer
FFIEC Telephone Banking Compliance
Technology Related Record Retention
HMDA - Classify Loan as 1-4 or Mobile home?
HMDA Reporting Issues on Temporary Financings
New Customer ID Verification Procedures
Must We Use the FEMA SFHDF Document?
Guidance on Outsourcing Technology Services
Term Used for HMDA Rate Spread Calculation
HMDA MSA Boundaries
New Disaster Recovery Requirements
Examination Handbook
IT Exam Guidance - Retail Payment Systems
Attorney/Fact Sign Signature Card to Act on Acct?
Conservator Sign Doc on Behalf of Protected Person
Conservator Transfer Funds From Joint Account
Conservator Makes Transfers to Personal Account
Cashing a Check Payable to a Trustee
POA Makes Withdrawals from PUTMA Account
Expanded Response: Using UTMA Account as Collateral
POA Deposits Check into His Checking Account
Using an UTMA Account as Collateral
Holding Funds on an IOLTA Account
SS Representative Payee Change
Fiduciary Accounts & Bank Services - Liability?
POA adding Authorized Signer
Trust Check Deposited into Personal Account
Custodian Withdrawing Funds from UTMA
Guardian & Joint Owner?
Sheriff's Department/Inmate NOW Account
IRA Exemptions & Reg R Guidelines
Adding a Signer to an Estate Account
Trustee Depositing Check into Personal Account
Professional Association - NOW Account Eligibility
Powers of Newly Appointed POA
Issuing a Personal Representative a Debit Card
Deposit of Check Payable to Individual & Estate
Custodial Check
UTMA & Minor Saving Accounts
Fiduciary Accounts - Ownership & Disclosures
Fiduciary Adding a Signer to an Account
US Treasury Check Endorsement Issue
Possible Bank Merger - BOD's Fiduciary Duty
Deposit Check Payable to Trust in Personal Account
Fiduciary Accounts (PDF)
Definition of Fiduciary
Finance Charge
Recording Fee Charge For Subordination Agreement
Is "Underwriting Fee" An Origination Fee On GFE?
Closing Agents Fee Disclosed As Prepaid Finance?
Include Construction Fee In The APR?
Payment Options for APR WIN Violation
Sellers Prepaid Finance Charges for APR on TIL
Include VSI Insurance for Auto in APR Calculation?
Pre-Paid Interest from Secondary Market on APR?
Include Construction Fee In APR At Closing?
Definition of Prepaid Finance Charges
USDA Rural Development Annual Guarantee Fee
Closing Fee Disclosed as Prepaid Finance Charge?
Paying Closing Out of Pocket-Disclose on TIL?
Charging Fees in Finance Charge-Real Estate Loan
Are Credit Report Fees Considered Prepaid on RE?
Credit Report Fees Considered Prepaid Fees?
Exclude Organization Fee from Finance Charge TILA
Reg Z Rule on Refunding Part of Finance Charge
Negative Finance Charge and Calculating APR
Finance Charge Added to Auto w/o Notification
Review Fee for Mortgage Loan- Finance Charge?
Procedure for Reimbursing Interest Charges
Credit Report Fee on Non-Real Estate Loans
Credit Report Fee Considered Finance Charge?
"Amount Financed" for Personal Consumer Loan
How Many Months of Premium (Finance Charge)
Upcharging on Courier Fee
Put Lender Credit in APR?
Credit Report Fee a Finance Charge?
Backing out Prepaid Finance Charges
About Loan Fees
RESPA Changes - Does the YSP Affect the APR?
List of Prepaid Finance Charge Fees on the TIL
Documentation Fee
Flood - Life of Loan Determination
Closing Protection Letter – Finance Charge?
Mortgage Loans Fees & the APR
APR - Prepaid Finance Charges & Closing Costs
Closing Fee a Pre-paid Finance Charge?
Reg Z - Inspection Fees in the Finance Charges
Appraisal Review Fee
Underwriting Fee Charge
Advertising - Loan Amount & Calculating APRs
Seller Paying Fees Due at Closing
Tolerance for an Understated APR Violation
Full Amount of Fee as Prepaid Finance Charge
Newspaper Loan Closing Coupon - APR & Disclosures
A Few Dollars More?
Rate Lock
Accrue Finance Charges During Rescission Period
Vehicle Lien Filing Fee
HOEPA Worksheet Query
Reg Z and Filing Fees
Reissuing Right of Rescission Notices
FASB Documentation Fee Disclosure
Where in the Reg?
Underdisclosed TIL
Correcting a Closing Fee Error
Underdisclosed APR
Agents Pay Portion of Comm to Real Estate Agencies
Construction Loan Survey Fee
Calculate the Survey Fee as an APR Fee?
Document Preparation Fee Disclosure
HELOC TIL Reimbursable Violation?
Loan Extension - New TIL Disclosures Required?
Is this Transaction Fee a Finance Charge?
Digital Storage Fee a Finance Charge Fee?
Overstating the Amount Financed
Paid Outside of Closing Fees
Are These Fees Considered Finance Charges?
Do We Need to Re-disclose?
Charging an Administrative Fee on a Consumer Loan
Negative Discount Points
Puzzled by the OCC's Handy Chart
Definition of Prepaid Finance Charge
Finance Charge (PDF)
HUD-1s and Fees
Investor Asking Us To Refund to Borrower
Understated Finance Charge and APR - Now What?
True or False - Reg Z
Is the Courier Fee Part of the Finance Charge?
Mortgage Disclosures Requiring Signatures
Underwriting Fee Included As a Finance Charge
Regulation Z: Checking APRs
When Is This Fee A Finance Charge
Is NSF Fee for Paid Items a Finance Charge?
What Fees Should Be Disclosed as PFC's?
Is this Fee Splitting or an Acceptable practice?
Fee for Desktop Underwriter
Document Review Fee a Finance Charge?
Inspection Fee a Prepaid FC?
Is This Fee a Finance Charge?
PMI at Closing -- Prepaid FC?
Fees in Finance Charge
Is It a Finance Charge When Paid by the Seller?
What Fees are Marked as Prepaid?
Passing on fees for automated underwriting system
Are Inspection Fees Finance Charges
Pre-Paid Finance Charge
APR and Finance Charge Tolerance
Balancing Fees Between TIL and HUD-1 Disclosures
TILA Reimbursement Tolerance
List of Finance Charges
Items on a GFE That Are Prepaid Finance Charges
UCC Recording Fee Treatment Under Reg Z
When Insurance Is Not Offered
Fee for Verifying Tax Records
Calculating APR and Payment Stream
APR Affected by Escrow Fee?
APR Accuracy
Finance Charges & Construction Loan Inspection Fees
Decimal Positions Required Finance Charge
Disclosing life of loan determination fees on TIL disclosures
Settlement Fees - Attorney vs. Settlement Company
Is a tax monitoring fee a pre-paid finance charge?
Calculation of APRs on ARMs
Reg Z: Possible "Finance Charge" Violation
Car Dealers, Fees, and Disclosures
Calculating APR On Loan Renewal
Promotional Rates, Insurance Premiums, and Finance Charges
Should credit insurance premiums be part of the finance charge?
Rate Buydown Fees, Prepaid Finance Charges, and APR
Prepaid Finance Charge Fee Checklist
Finance Charge Determination Software
Overstated Finance Charges and APR: Do I have a problem?
Construction Inspection Fee: Finance Charge or Prepaid Finance Charge
Guaranteed Mortgage Rates & Fees
Brannam v. Huntington Mortgage Company
Financial Modernization
Electronic Processing: Closer Than Ever!
New Accounts Using New Methods
Banking As We Knew It Passes On
Check Processing To Change Fed Looking At Modernization
Financial Privacy
Customer Calling Programs and Privacy Violations
Documents Needed for IRS Summons of Records
Privacy Policy Revision - Effective Date
Final Model Privacy Notice Form
IRS Financial Records Summons
State Agency Investigation – RFPA Applicable?
Financial Privacy & Check Cashing Services
Customer Financial Info - Policy & Procedures
Certificate of Compliance Guidance Needed
Non-customer IRS Summons
Decedent's Right to Financial Privacy?
RFPA - IRS Requesting Info on Loan Customer
Verification of Direct Deposit by Government Agency
Check Verification & the Privacy Act
What is Considered a Government Agency Under RFPA?
Privacy Issue When Paying Off a Spouse's Loan
Fraud Cases -- Providing Records to Police
CTR: Aggregating the Deposits from Two Businesses
RFPA and Subpoenas
Service of Tax Levy or Garnishment Papers
HUD 1/1A and Privacy
Disclosure of Confidential Customer Information
Federal Subpoena for Business Customer Records
IRS Information Requests & Privacy
Bank Trapped in RFPA Violation Through Army Subpoena
Auditing Financial Privacy
Financial Reform
Non-Discrimination Regulation 528.2a
Effective Date for New UDAAP Requirements
Guidance on ECOA Section 704B
Dodd-Frank Mortgage Reform Act
$100 Availability and Reg CC
Interest on a Commercial Deposit
Reg D Change for NOW Account
Allowing Interest on Business Checking Accounts
Testing Cash for Drug Residue-SAR
Information on How to Fill Out New CTR Form
Instructions on Completing New CTR Electronically
BSA Reporting of Foreign ATM Deposits
CTR Exemption for a Church
FinCEN CIP ACP Ruling
Non-customer Check Cashing & 314(a) Searches
SAR Categories
CTR Exemption Revoked – Report to FINCEN?
Valid ID for CTR
File a SAR?
New CTR Exemptions?
FINCEN Brochure on Structuring
BSA/AML Violations - Penalties/Prison Terms
CTR - Separate Deposits in Same Owner LLCs
Seasonal Exemption
Privately Owned ATM an MSB?
Car Dealerships - CIP & Due Diligence
BSA Recordkeeping - Same Day Transactions Only?
Are Tax Preparers Considered MSBs?
Unknown Depositor - CTR Filing
Not Renewing Exemption - FinCEN Notification
Government Lists for 314a Search Requirements
POA CIP Requirements
New SAR Form Still on Hold?
Aggregate the Transactions & File a CTR?
CTR - Employees Cashing Payroll Checks
Lost CTR
SAR Form Deadline
Is a Bank an MSB?
Bank MSB Registration
CTR Completion Guidance
New SAR Form
CTR - DBA Account
Monetary Instrument Sales Form and Log
New SAR Form Announced
Monitoring & Filing Supplemental SARS
FINCEN Form 104
An Individual Customer Registered as an MSB
The Whats & Hows of MSBs
Co-mingled Funds
Required Law Enforcement ID for an MIL
Exempt Customers of Acquired Bank
Exemption Revoked?
Rule/Reg Regarding 90 Day Review on Submitted SARs
This SAR Has Been Sanitized.........
Licensure Verification for a NBFI/MSB
SAR Confidentiality
FinCEN's SAR Hotline
Must MSB Re-apply to FinCEN?
SAR Filing
Learn How to Write Reasonable Explanations
Filling Out A CTR
Safe SARs
CTR - BHC Tracking Deposits Across Bank Lines
CTRs: Collecting Information Without the Customer
Counterfeit Checks & SARs
Travel Rule
Guru Says "Annual Reviews Required", Is this True?
Cashing Checks for a Fee, Register as an MSB?
Is a Casino Owned by Indian Tribe Exempt?
314(a) Record Retention
Entering the U.S. With Registered Securities
Writing to Your Unregistered MSBs
Dealing With Fraudulent ID Documents
Fraud Cases -- Providing Records to Police
Current Federal Forms
FinCEN Taps Bank for Penalty
Dropping a Customer from Exempt List
BSA Training Is For Everyone!
Using Certified Mail for Filing CTRs
AML Requirements Upon Identifying an MSB
Accepting Accounts and Relationships
$3,000 Cash Sales Record Requirement Clarified: Cash Deposit / Debit Now Must Be Recorded
SAR Reporting and Due Diligence
New CTR Form
SAR Confidentiality
Special Terrorism Reporting Number
Check Cashiers CIP Requirements
Back-filing CTR Instructions
OTB Exemption for CTR Reporting
CIP on a Recurring But Closed Customer
Suspected terrorist: Beyond SAR, what steps to take?
Still Some 314(a) Problems
Public Schools and CTR Exemptions
Format for CTR Form Submissions
Deposit to Joint Account Triggering CTR
FinCEN Guidance on SAR Filings
Destroying 314(a) Search Requests
FinCEN Advisories and OFAC Sanctioned Countries
FinCEN Expands E-Filing System: BSA Reports Can Now Be Filed Over Secure Internet
Automating The Case Management Process
314(a) Search Request Questions
Important Exception to BSA Rule Extended
Money-Laundering or Terrorism: What Are We Looking For?
New SAR Form and Software
Using a Facsimile SAR
FinCEN, the information sharing certificate, and program elements
How to file new SAR electronically?
Travel Rule - Complete Beneficiaries' Addresses
FinCEN Sheds Light on Exemptions
Finder Rule
Did You Know About the Finder Rule?
Fingerprinting/Fingerprint Technology
Filing By Touch
Is it Legal to Require a Thumb Print?
What is the Best Finger to Fingerprint
Identification & Access: Security Still of Primary Concern
A Different Kind of "Fingerprint"
Fingerprint Checks on New Hires
Fraud Tools From Abroad
ABA Offers Electronic Fingerprint Checks
Question & Answer
"Touch Here, Please"
IN THE NEWS - FBI Certified
FIRREA Rules for LTVs on Commercial Real Estate
Update Original Reports & Use the Same Appraiser?
Financial Institution Regulation Defined
Reg Y - Foregoing the FIRREA Appraisal
Review Appraisal - FIRREA Violation?
FIRREA Business Loan Exemption
$50,000 Too Low
Construction Loan Where Land Is In AE Zone
Flood Insurance for Covered Bridge Over Water
Can Flood Certificate In Name Of Property
Standard Flood Hazard Determination Form
Violation for Not Requiring Flood Insurance
Flood Insurance Required at Time of Closing?
Samples of New Flood Notices (30-45 Days)
Elevation Certificate & Flood Insurance Compliance
Determining Commercial Flood Insurance
Issue Funds Before Flood Insurance Is In Place?
Coverage for Financing Commercial Prop In SFHA
Changes In Flood Rules/ Force Placed Insurance
Administrative Extension 30-90 Days & NFIP Notice
Proof of Payment & Flood Policy Declarations Page
Flood Insurance Required If Building Is In SFHA?
Flood Determination for 2 parcels But 1 Address
Calculating Flood Coverage if Multiple Collateral
Audit Program/Procedures for Determining Flood
New Flood Determination if Renewal/Increase/CIT?
Can Tenant Carry Flood Insurance on Rental Prop?
Lien for Piece of Equipment In Leased Flood Area
Include Flood Insurance In Points/Fees Calculation
Timing of Mailing Initial Flood Pre Completion
Notification Required if Re-Map Flood Insurance?
National Flood Insurance Program Compliance Change
Maximum Deductible for Flood Insurance
Fee For Force-Placed Flood Insurance
Required # of Days for Flood Determination
Flood Act 45 Days Notice for Expired Insurance
Recalculate Flood Coverage When In Force Place?
Flood Insurance for Condo Under FNMA PERS Approval
FDIC Special Situation Clause Multiple Structures
Elevation Certificate for Flood Purposes
How to Determine Flood Zone A or B
Require Mobile Home to Have Flood Insurance?
Flood Insurance on RE w/Bank Loss-Payee
FEMA Forced-Placed Policy for Lender Purchase
Using Cost Value from Appraisal to Determine Flood
Reusing Flood Determinations
How Much Flood Insurance for Warehouse (Repair)
Renew Real Estate Loan w/ Force-Place Flood?
Flood Insurance Required on Recovery Account?
How to Divide Flood Insurance for Guest House
Escrow Flood Insurance if Mortgage on Prop in Zone
Reg on Flood Certificates for Prop Not Collateral?
New Flood Insurance Prior To Closing (Renew)
FI Before After Settlement & Before 3Day Rescission
Does Rate Change Require New Flood Determination?
Flood Insurance Violation if Didn't Originate Loan
Flood Insurance Required on Portable Storage?
Notice for Commercial Prop Not In A Flood Area
New Standard Flood Determination Form
Requirement to Purchase Flood from NFIP
How Many Days to Close for New Flood Determination
Flood Determination if Property Already Insured?
Both Applicants on Joint Sign Flood Disclosure?
Both Applicants on Joint Sign Flood Disclosure?
Flood Determination for Property w/o Building
New Standard Flood Determination
How to Determine Amount of Flood Insurance
Definition of Permanent Foundation
Example of Notice of Lapsed Flood Insurance
Flood Insurance on Detached Structures
Notice to Borrower Date
Determining Amount of Flood Insurance FEMA
Flood Policy Required-Abundance of Caution Lien?
Sufficient to have Flood App & Evidence at Close?
Force Placed Flood- Accrue Interest on Premium?
Flood Disaster Protection Act and Modified Loans
Rule on Dropping Flood Insurance Coverage
Flood Determination-Two Conflicting Zones
Private Flood Insurance Policy or NFIP Policy?
Escrow for Properties Taken Abundance of Caution
Calendar or Business Days for 45 Day Notice Flood?
How to Calculate the Flood Insurance on Condos
Time to Close Once Flood Determination is Received
Certificate/Binder if Borrower has Private Flood?
Calendar or Business Days for 45 Day Notice Flood?
When to Force Place Flood Insurance (45 Day Rule)
Methods for Determining Insurable Value (Forced)
Customer Who Refuses Flood Insurance (Home Equity)
Flood Notice for Extension Regardless Maturity?
Flood Insurance for Dual Collateral Loan
How to Report Construction to Permanent Loan
Insurance Agent for Force Place Flood Insurance
Flood Determinations for County w/ New Map
Requirement for Flood Policy Coverage on Property
Flood Insurance on Home Sold "Contract for Deed"
Do Workout Loans Require Flood Determination?
Protecting Collateral- Hazard and Flood Policy
Days Before Closing to Pull Flood Determination
Flood Zone A8 or B for Property Loan?
Flood Determination on Agricultural Real Estate
Customer who Refuses to Purchase Flood Insurance
Flood Certificate for Second Loan on Property
Flood Determinations on Mobile Homes
Flood Determination on House and Barn
Changing from Flood Zone AE to Zone X
Upcharging for Flood Certs and Credit Reports
Flood policy, but no lien
Flood Notice Requirement
Life of Loan Flood Determinations
Flood Certifications For Adjoining Land
Land in Flood Zone as Collateral?
Loan for Land, then House was Built
Calculating Adequate Flood Insurance
Flood Insurance Compliance
Time to Provide Flood Insurance
Flood Determination for Wrong Address!
Flood Insurance Required
Can Borrower Revoke Bank's Obligation?
Flood Insurance Problem
Flood Determination for Lot Loan
Force Placing Flood Insurance
Should General Property Insurance include Flood Insurance
Flood Certificates for Lot Loans
Transaction Relative to Loans 'Not New'
Biggert-Waters Reform Act: NFIP Policy
Reg That Has Threshold for Building's Value
Loan Taking Land As Collateral But Not Mobile Home
Flood Determination for 2 parcels But 1 Address
Flood Insurance Required If Building Is In SFHA?
Life of Loan Monitoring & New Determination
New Determination Required if Increase Principal?
Flood Insurance Required if Less Than $5,000?
Lack of A Flood Zone Risk Designation
Using Existing Flood Determinations for New Loan
Flood Insurance for Contents Required by FEMA?
Force-placing Insurance
Changes to Flood Determination
Flood Certificate Required for Value-less Property
Flood Insurance for Pole Barn
Flood Insurance on Loan Modifications
Who Gets Flood Insurance Refund?
Cross-collateralized LOC Loan
Collateral in Flood Zone, Buildings Uninhabitable
Is Flood Insurance Needed on Secured Property?
Is a Flood Determination Required?
Forced-placed Flood Insurance on Equity Loan
Flood Zone - Recalculate Existing Loans?
Modification in a SFHA Under HAMP - New Notice?
Not in a Flood Area - Sign Flood Determination?
Flood Determination Life of Loan Fee Disclosure
Multiple Flood Determination Forms?
Loan Placed in Flood Zone - Required Notices?
Must Borrower Sign Notice to Home Loan Applicant?
New Form, New Flood Determination?
Loan Docs Borrower Must Sign
Flood Q & A Follow Up - Citation Needed
Flood Insurance - Monitor the Raw Land?
Flood Insurance – Increase Coverage?
Referring Loan Customers to Insurance Agency
Force Place Flood – Adding New Collateral
Flood Insurance - Wait Until a Triggering Event?
Flood - Life of Loan Determination
Both Borrowers Sign Flood Zone Acknowledgement?
Flood Coverage on Non-residential Properties
Flood Insurance Renewal
Timeframe to Provide Flood Insurance – Follow Up
Maximum Amount of Flood Insurance
Flood Zone Lending
Force Place for Flood Zone Discrepancies?
Adequate Flood Zone Coverage
RESPA - Voluntary Escrow
Force Place Flood Insurance – Verbal Notification
Credit Report & Flood Determination Fees
Timeframe to Provide Flood Insurance
Force Placing Flood on Lapsed Policy
Flood Insurance - RV/Boat Storage Covers
A Couple of Flood Insurance Q & As
Flood Insurance Coverage – Are We Underinsured?
Blanket Insurance Policy
Flood Insurance on Bank Owned Foreclosed Property
Property Was Not in Flood Zone - New Flood Certification?
Proof of Insurance Fee
Retroactive Flood Penalties?
Flood Insurance & Pole Barns
Mobile Home - Private Flood Insurance Required?
Updating Flood Insurance
Flood Map Revision
Flood Insurance & Mobile Homes
Flood Map Revision
Condo Flood Coverage
Home Mortgage Refinance - Flood Search Required?
Flood – Loan Secured by Leasehold Mortgage
Flood – 45 Day Notification/Waiting Period
Flood Certification Frustration
Flood Determination Request
Do a Flood Determination for Each Property?
Flood Hazard Determination - Commercial Property
No Flood Notice Given - Force Place Flood?
Mobile Home as Collateral – Do a Flood Search?
Force Placed Flood – Notification
Flood Certificate – One Time or Life of Loan?
DIC Insurance Policy In Lieu of NFIP Policy?
Flood Insurance – Bank Owned Collateral Property
Purchase Force Place Flood Insurance on Day 46?
Flood - Life of Loan Certification Coverage
Flood Determination Date & ROR
Mandatory Flood Coverage on All Buildings?
Flood Insurance Rules & Commercial Condos
Obtain New Flood Determination at Extension?
Flood Insurance - Additional Premium Owed
Please Define RCBAP
Property Deemed to be in the SFHA
My Home Is & Isn't in a Flood Zone
Flood Zone Change & the Grandfathering Rule
"Hurricane Ike" - Flooded Vault Planning is the Key!
Full Amount of Fee as Prepaid Finance Charge
Determining the Flood Premium & Disclosing on GFE
Flood Zone - Must Determination & Policy Match?
HELOC Documents
Calculating Flood Insurance
Mobile Home Flood Insurance - Guru Q & A Follow Up
Flood Certification
Flood Insurance - Conflicting Zones
Flood Insurance - Uninsurable House
Examiner Verification of RCV on Comm Property
Calculating Condo Hazard Insurance Coverage
Flood Force Placement Notification Letter
Determining Amount of Flood Insurance Required
Dispute Over Flood Zone Location
Dating Flood Research Data
Flood Compliance & Master Certifications
Flood Insurance Coverage Conundrum
Mandatory Purchase of Flood Insurance
Business Loan Disclosures
Flood Insurance Coverage on Townhouses
Mortgage Change in Terms - New Disclosures Needed?
FDIC Flood Audit - Pulling the Flood Cert
Flood Insurance Coverage - No Appraisal
Flood Insurance - Extreme Home Break-over
Flood Zone Re-mapping Notices
Oops! We May Have Flood Penalty Disaster
Flood Letter Not Furnished
Determining Builder's Risk Coverage
Flood- Force Place Per Customer's Request?
Condo Flood Insurance Disclosures
Flood Clarification Needed
Force Placed Insurance - Amount of Coverage
When the Zone Differs
Loan Renewal - Flood Certification Notice
Timeframe for Pulling Flood Determinations
Is a Flood Letter Sent to the Borrower Sufficient?
Determining Flood Insurance on Condos/Townhomes
Commercial Loans - Required Disclosures
Business Purpose Loan Disclosures
Flood Insurance - 45 Days Notice to Borrower
Flood Zone & Insurance Policy Conflict
Flood Coverage - Loan Secured by Rent Houses
Flood Insurance Shortfall
Flood Coverage on Office Building
Flood Insurance Application - Loan Closing
Obtaining Additional Flood Insurance
Does this Cancel the Flood Violation?
HELOC Extends Past 7 Years - New Flood Required?
Flood Determination/Notices
Multiple Loans, Deeds & Flood Certs
Flood Coverage on New Condo Project
Flood Insurance on a Single Unit of a Rackaminium
Commercial Level Flood Insurance Amounts
Is This Loan Subject to the Regs?
New Flood Certificate for Purchased Participation Loans
Two Flood Certifications/Determinations Needed?
Flood Determination Needed?
Flood Certification Fee Split
Loan not In SFHA - Monitor Flood-mapping Change?
Signing a New SFHD Form for Remapped Property
Flood Insurance Condo Coverage
Flood Insurance Liability
HELOCs & Fixed HEs - Flood Insurance Tracking
Obtain & Retain Borrower's Signature on SFHD
Waive the Flood Insurance?
Flood Zone - Assignment of Leases & Rents Only
Timing of Force Place Flood Insurance Notification
Flood Certificates for Subdivision
Mobile Home Owners Insurance In Lieu of NFIP/ WYO?
One or Two Flood Determinations?
Appraisal & Flood on a Residential Lot
Flood Insurance - 30 Day Waiting Period
Flood Certificates
Dispute of Flood Zone
Flood Insurance Coverage on Construction Loans
Fee Limitations on Force-Placed Flood Insurance
Flood Search
Flood Hazard - 10 Day Waiting Period
Force-placed Flood Insurance Notice Cycles
Katrina's Devastation Leads to Loan Denial
When is Proof of Flood Insurance Required?
Fee Limitations on Forced Placed Flood Insurance
Flood Insurance Catch 22
New Flood Hazard Determination Form
Flood Insurance on Shed and Irrigation Pump?
New Truth in Lendingon Modification of Existing Loan
Flood Premium Added to Loan - Revised TIL?
Two Part Flood Question
Separate Flood Insurance on Individual's Condo
Flood Determination on Lease of Airplane Hangers
Flood Determination on Lease of Airplane Hangers
How Soon Must Flood Determination Be Pulled?
Flood Insurance as it Pertains to Reg Z
Flood Requirements (PDF)
"Hurricane Katrina" - Flooded Vault Planning is the Key!
Why "Replacement Value" Flood Coverage?
Flood Requirement with Mixed Collateral
What regs apply to this case?
Flood Insurance Coverage
Storage Buildings in Flood Hazard Area
Flood Insurance
Why Is A New Flood Determination Needed
Disclosing the Flood Certification Fees
Flood Insurance
Payment Deferred - Forced Placed Flood Insurance
Disclosing Mortgage Spreader Clauses
Abundance of Caution Collateral & Flood Insurance
Flood Zones, But Coverage Is Not Available
Does Flood Apply Under Abundance of Caution?
Do We Need to Give Another Flood Notice?
Determining the hazard insurance requirement
Flood Checks on Every Mortgage Loan?
Must We Recertify Flood Status Every Seven Years?
Payment Deferrals on a Mortgage Loan
Flood Compliance Tip
Fee for Force-Placed Flood Coverage
If a Condo Association Decides Not to Rebuild ....
Common Flood Violation
Reusing a flood determination
Guru Compilation: Flood (PDF)
If the bank pays the fees, are they still finance charges?
Flood Notice Disclosure
Flood Determination, New Loan - Existing Mortgage
FEMA makes flood hazard tutorials available online
On mobile homes and flood insurance
Flood Cert. on a Mobile Home
GLBA agreement with third parties
Putting Bank's Charter Number on Flood Form
MPPP on a Non-Residential Condominium
Your Existing Loan Portfolio: Does It Comply With The New Flood Insurance Requirements?
Signature for Flood Hazard Purposes
Flood Determination on Mobile Home
Signature for Flood Hazard Purposes
Timing for Flood Force Placement
Impact of an Elevation Certificate
Writing Date on Flood Notice to Borrower
Maximum Coverage Under NFIP
Renewing loans, property improvements, and flood
Advance Notice of Hazard Insurance Force Placement
Additional Flood Insurance for Line of Credit
Disclosures on HELOC to Purchase Home
Papering Renewals and Extension
Lot in Flood Zone; Building Not
Force Placed Insurance Notices
Loan Participation & Flood Requirements
Bridge Loan Disclosures
Flood Insurance for Condos
Loan Participation & Flood Requirements
Flood Determination on Mobile Home Lot
Flood Compliance Policy Guidance
Are disclosures necessary for a $1MM consumer loan?
Special Financing for Flood Victims
Is participant required to get a flood certificate
Fees For In-House Flood Determination
Calculating Flood Insurance
Credit Reports, Flood Determination, & HUD-1 Charges
Issuing Flood Insurance Prior To Construction
One Property, Two Loans: Two Flood Determinations?
Flood Insurance Needed?
Flood documentation
New loan numbers for customers who reapply
Calculation of NFIP Insurance Benefits
Condo loans & flood insurance
Flood Certifications & Balloon Loans
Flood Insurance Waiver
Civil Money Penalties?
Flood Insurance Cheat Sheet
Flood Penalties Watch
When disaster strikes
What are Life of the Loan requirements for flood insurance?
Flood, Farms, and Financing
Flood Insurance Requirements For Unoccupied Dwellings or Mobile Homes
Does a mobile home (not owned by the customer) require flood insurance or notification?
Calculating Flood Insurance
Loan Denial & Flood Zone Issues
Online Vendors For Flood Determination
Flood Determination & Balloon Mortgages
Flood Insurance Quiz
Calculating Flood Insurance For A Condominium
Determining Flood Status in a Nonparticipating Community
Who Gets a Flood Notice?
Is flood insurance required if the bank holds the deed?
Flood Insurance Cheat Sheet
Conflicting Flood Determinations
Three Properties/One Loan: How much flood insurance if only one is in a flood plain?
Lending Disclosures at a Glance
Flood Certifications and Loan Assumptions
Flood: The customer cancelled the insurance. Now what?
Exactly when is written evidence of flood insurance coverage required on a construction loan?
Flood Determination For Property Improvements
Using Recent Flood Determinations From Another Lender
Flood Insurance: What if none is available?
Flood Insurance For Condos
Flood Insurance: What if only part of the property is in the flood area?
FDIC Issues Flood Requirements Summary
Stay Abreast of Flood Map Changes
New Standard Flood Hazard Determination Form?
What is the definition of "closing" under Flood?
Flood Determination & Loan Renewals
Avoiding The Flood Insurance Requirement
Flood Insurance Requirements
Disaster Relief vs. Flood Insurance
Required Flood Insurance
Flood Wallpaper
Skipping Determination in the Flood Hazard Determination Form
The examiners will have flood data on your loans. Be prepared.
Flood Compliance and CMPs
Audit Tip on Flood
Flood Determination & Mobile Homes
The examiners will have flood data on your loans.
Flood Jumble
Can you Rely On a Prior Flood Determination?
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Flood: New Communities
COMPLIANCE NOTES - Final FEMA Form - Again
COMPLIANCE NOTES - Flood Insurance Is Serious Business
What's Ahead In Compliance Flood Insurance
COMPLIANCE NOTES - FEMA's New Zone
Question & Answer
Question & Answer
COMPLIANCE NOTES - Flood Compliance in the Commercial Portfolio
COMPLIANCE NOTES - Getting the Right Flood Maps
Question & Answer
A Torrent Of Flood Guidance
Question & Answer
COMPLIANCE NOTES - Flood Coverage Overflows RESPA
Your Existing Loan Portfolio: Does It Comply With The New Flood Insurance Requirements?
Flood Insurance Regulations Proposed
Flood Facts
Flood Insurance: Mysteries of the 30 Day Rule
Flood: How Much Will You Guarantee?
Flood Regs Come In Waves
Question & Answer
Question & Answer
COMPLIANCE NOTES - Justifying the Cost of Compliance
Employee's Deceit Voids FMLA Protection
Foreign Customer
Expired W8
Opening an Account for a Foreign Firm
Non-resident Alien Account
Completing a W-8BEN Form
Setting Up an Account for a Canadian Resident
Foreign Remittance Transfer
Reg E Remittance Transfer Rule for Canadian Client
Forged Endorsements
Bank Liability Forged Check
Bank Liability for Counterfeit/Forged Checks
Guidelines for Hold Harmless
Dealing with Forged Endorsement Claims
Statute of Limitation for Submitting Forgery Claim
Forged Endorsement Claim Time Limit
Stolen Checks Deposited in ATM: Liability?
UCC Provision for Refusing Collection Letter
Multiple Payees and Forgery: Bank's Liability?
PEG Stamp & Forged Endorsements
Stolen Cashier's Check
Forged Endorsement – Course of Action?
Forged Endorsement – Recovering the Loss
Timeframe for Collecting on a Forged Endorsement
Check Fraud Reporting Time Frame
Signing Over a Government Check
3rd Party Check – Endorsement Verification
Forged Check Return Rule
3 year Statute of Limitations - Beginning Date
Reimbursing the Paying Bank for Forged Item
Time Limitation on Forged Maker/Forged Endorsement
Is This Out of the Time Frame?
Time limit to claim on missing endorsement?
Bank's Liability for Forged Checks
Can Bank Return Counterfeit Money Orders?
Someone "Stole" the Funds on this Cashier's Check
Joint Payees & Forged Endorsements
Statute of Limitations for Forged Endorsements
Obtaining Information on Check Fraud Claim
Stop Checking Endorsements?
Revocation of Consent to Endorse Checks
Forged Endorsement: Deposit Into Joint Account
Stolen Check & Forged Endorsement
Forged Endorsement: Deposit Of Two-Party Checks Into Law Firm Account
Forgery Claim: Do we pay?
Forged Endorsement & Section 3-405
Forgery: Check image vs. original
Forged Endorsement Of A Cashier's Check: Who's responsible?
Must the original check be provided to collect on a forged endorsement claim?
Forged Drawee Signature: Are we responsible?
Forged Endorsements & Counterfeit Checks
Timely Claim For Forged Endorsement
Question & Answer
Time Frame for Returned Forgery Check (Late)
Bad checks- require attention
Recourse- Forged Check Deposited Into Closed Acct.
Customer Reports Fraud Checks After 6 Months
Returning Forged Endorsement Check After Midnight
Bank Responsible for Forged Checks Cashed?
Drawee Bank Return Check for Breach of Warranty?
Responsibility for Entry Request on A Forgery
Drawee Bank Liability for Forged Endorsements
Recourse for Stolen Cashed Checks-FI Return
Unauthorized Check w/o Visible Signature
Time Limit for Returning Forged Checks
Forgery Claim Joint w/o Dual Signature Acct.
Answer Late Claim-Breach Warranty/Forged Signature
24H Deadline to Return Counterfeit/Forged Payee?
Depositary Bank Disputed Forgery as Late Return
Forged Endorsement Claim w/o Benefit to Spouse
Bank Liability in Check Forgery Cash Letter
Return Time on Counterfeit Checks over $100
Time Frame for Returning Counterfeit/Forged Check
Affidavit of Forgery- Credit Account Immediately?
Time Frame/Requirements for Returning Forged Check
Bank Liability for Stolen/Forged Check
30 Day Rule for Forged Endorsement Affidavits
Forgery Affidavits for Endorsement-Evidence Rule
Time Frame for Paying Back Checks-Signature Fraud
Forgery Affidavits for Endorsement-Evidence Rule
Bank Liability for Forged Checks (30 Day Rule)
Forgery if Authorized Signer Signs Other Name?
Bank Responsibilities for Forged Checks
Customer Unwilling to File Police Report-Checks
Returned Check: Forgery or Unauthorized Signature?
Forged Endorsement Claim
When Should Bank Reimburse Funds?
Time for Returning a Forged Check
Check Forged: Must Bank Reimburse?
Returning Forged Checks to Paying Bank
Responsibility for Forged, Cashed Check
Stolen Checks Deposited in ATM: Liability?
Boyfriend signs Girlfriend's Checks: Forgery?
Stolen Forged Checks - Return or Reimburse?
Recovering Forged Funds
Stolen & Forged Checks – Where Do We Stand?
Spousal Signature Forgery
Is Affidavit Sufficient Reason for Bank to Act?
Affidavit of Forgery
Unauthorized Item Disputed - What Do the Regs Say?
Reviewing Forged/Fake Check Rules & Procedures
Reg CC- Three Years to Return a Forged Item?
Forgery & Altered Documents…Part I
Forgery & Altered Documents…Part II
Forgery & Altered Documents…Part III
Forgery & Altered Documents…Part V
Customer's Fun Leads to Forgery & Fraud
Bank Liable on Forged Signature Claim from Jan 05
Time Frame to File an Affidavit on Forged Items
Forged/Altered Check Charge Back
Forged Check Return Deadline
Forgeries and Check 21
Husband Forged Wife's Signature on a Joint Loan
Forgery of an Electronically Converted Check
Unauthorized Paper Draft/ When Do We Recredit Acct
Late Return of Forged Item. Who Takes the Loss?
Reimbursing the Paying Bank for Forged Item
Handling Forged Checks on an Inactive Account
Liability on a "Paid" Counterfeit Check
Bouncing a Counter Check on Closed Account
Forged facsimile signature -- who pays?
Forged Checks & Signature Verification
Counterfeit Checks & SARs
Time Limit for Disputing Forged Item
Check 21 Images and Forgery
Validity of Check Images
Check Fraud on Deceased Customer's Account
Bank's Liability for Forged Checks
Someone "Stole" the Funds on this Cashier's Check
Dealing With Fraudulent ID Documents
Joint Payees & Forged Endorsements
Reimbursement of Forged Checks
Statute of Limitations for Forged Endorsements
Our Readers Speak: Taking Losses on Forgeries
Deceased Payee & Forged Endorsement
Liability for Forged Checks
Forged for Payment of a Retainer
Stolen checks, two banks: Who pays?
Forgery Denied Because of Customer's Presence
Child's Play
SAR Filing Delay on Ongoing Investigation
Standard of Care for Adding Joint Owner
Forged Checks Affidavit
Employer Left Signed Blank Checks
Midnight Deadline and Counterfeits
Retaining Records Regarding Forgeries
Customer Forgery Claim
Two Forgery Issues: Stolen Check Affidavits & Using Images Instead of Originals
Responsibility For A Forgery: The Institution vs. The Customer
Forgery Affidavits & Electronically Processed Checks
Claiming Forgery on Old Checks
Missing Checks: Who Bears Loss?
Customer Involvement in Forgery Scam
Stolen Check & Forged Endorsement
Forged Endorsement: Deposit Of Two-Party Checks Into Law Firm Account
Forged Checks, Forgery Affidavits, and the FED
Forgery Claim: Do we pay?
Forged Endorsement & Section 3-405
Forgery: Check image vs. original
Bank's Liability For Forged CTR Signatures
Rule 9 and the Midnight Deadline
Forged Signatures & Breach Of Warranty
The Check Is Forged! Who's Responsible
Forgery Claims: Time frame for re-crediting a customer
Deadline For Returning Forged Signatures
"... a very deceptive forgery.."
Refusing To Open The Account
Forgery - Who To Contact
Affidavit of Forgery & Customer Negligence
Teller Training: Forgeries & Counterfeit Currency
Forgery Returns
Reimbursement For Forgery
Responsibility For Forged Checks
Forged Checks & Late Returns
Six Months to Report a Forgery
Drawee Bank Not Required to Examine Checks for Forged Endorsements
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Take A Look At That Endorsement!
Credit Card Fraud Flag & SAR
Time Frame for Keeping Docs from Fraud Cases
Bank Liability for Phone App Fraud Claim
SAR for Fraudulent Money Order Deposit
Timeline- Signing Affidavit for Fraud Endorsement
Timeline- Signing Affidavit for Fraud Endorsement
Check Payable to 2 Individual-One Signature Forged
Counterfeit Checks Marked As "Unable to Find"
Bad checks- require attention
Tips to Avoid Debit Card Fraud for Businesses
Recourse- Forged Check Deposited Into Closed Acct.
How to Get Credit Back From The Endorsing Bank
Customer Reports Fraud Checks After 6 Months
BOFD Reimbursing Due to Endorsement Issue
Forged Endorsement Claim on ATM Deposit Check
Reg CC Availability Rules for Fraud Check
FDIC Insurance Apply to Cyber Crime Loss of Funds?
Depositing Payroll Check for Child Support
Statue of Limitation to Force Repayment (ACH)
Customer Using Lottery Proceeds to Operate-Legal?
Legal Steps for Business Remote Capture Deposit
Time Frame for Paying Back Checks-Signature Fraud
Fraudulent Check in Social Security Direct Deposit
ACH Fraud Suits
Charging Customer for Fraudulent Check
Creating Several Documents from One Signature
Name for Processing a "Worthless" ACH Payment
Retaining Fraudulent Check
Customer Negligence in Stolen Debit Cards
Restitution for Protecting Customer from Fraud
Bank's Right to Debit Account (Fraudulent Check)
Different Interpretations of COT Code
Time Period for Returning Fraudulent Check
Debit Card Fraud and SAR Filing
Fraudulent Wire Transfer and Funds Return
Account Linked to Wrong ATM Card
Fraudulent Debit Denied: Recourse?
Verification of SSN Shows it to be Fraudulent
Time Lines for Dealing with Fraudulent Checks
Altered Check on Business Account
Check Presented and Cashed Twice
Dealing with Kiting
Authorized Signer No More: Check Honored
Automatic Debit Scams
Stolen Checks Deposited in ATM: Liability?
Fraud Photos to Customers
Stolen Forged Checks - Return or Reimburse?
Cashed Fraudulent Check – Who's Responsible?
Stop Pay on Loan Checks
Commercial Debit Cards – Bank Liability?
Missing Cash – Interviewing Employees
Lost/Stolen Debit Cards – Bank's Liability
Bank Fraud - Recovery Vs Loss Avoidance
Timeframe to Report Fraud
Fraudulent Transactions – Card Owner's Liability
Remote Check Return Rules
Provisional Credit & the Questionable Customer
SAR – Work at Home Scam
Placing Longer Hold Due to Fraud
Debit Card Fraud – Customer Liability
What is Spear Phishing?
Reg E, Rep Payee & the Dishonest Account Holder
Reg E Fraud Claim Time Frame
Customer Failed to Report Card as Lost or Stolen
Reg E Fraud Claim Time Frame
Dubious Fraud Claims
Claim Withdrawn – Bank Obligated to File a SAR?
Dealing with Credit Card Fraud - Time Frame
Tainted Appraisal?
FACTA Verification - Fraud Alert on Credit Bureau
Fraudulent Statements
Became EO After Obtaining Loan – Reg O Violation?
Account Opened with Fraudulent Documentation
Check Card Dispute - VISA Zero Liability Rule
FI Won't Give Cardholder Provisional Credit
In Need of Easy Explanation for Check Kiting
ATM Fraud
Unauthorized Charges - Visa Zero Liability
Reg CC Holds & Fraudulent Accounts
Reg E - Obligated to Pay Fraudulent Dispute Claim?
Debit Cards, Fraud & Reg E
Debit Card Fraud - Provisional Credit Time Frame
Expired Debit Card - Stolen & Used
Counterfeit Bill Procedures
Reg E Claim Denied on Friendly Fraud?
Check Fraud Victim - Protecting Business Name
Addendum Conundrum
Debit Card Fraud - Commercial Customer Recourse
Deceased Customer -Stolen Debit Card Transactions
Bad Key Wallets - A Key To Disaster
HELOC Suspected of Being Used for Money Laundering
Affidavit Required?
Security Features on Checks
Obligated to Inform Other Bank of Check Kiting?
Check Fraud Reporting Time Frame
Loan Scam
Counterfeit Cashier's Check Recourse
Loan Made to an Identity Thief
Husband Forged Wife's Signature on a Joint Loan
Bank's Right to Refuse Deposit of Fraudulent Item
Unauthorized Paper Draft/ When Do We Recredit Acct
Written Up - Red Flag Guidelines Not Finalized
Fraudulent Check Card Transactions
Cash Advance Fraud
Car Sale Fraud, SAR Required?
Bank Employee Embezzlement - Customer Notification
Refusing & Returning Drafts on Savings Accounts
Police Department Requesting Customer's Statements
Debit Card Fraud - Refunding Customer's Money
Visa Debit Card ATM Fraud - Reg E or Visa Rules?
Is there a regulation regarding the camera in the ATM and how it records a transaction?
FBI Reports Mortgage Fraud Running Rampant
Fraudulent Items
FDIC Insurance Scam
Is it Legal to Require a Thumb Print?
Helping Businesses Prevent Fraud
FDIC Insurance Scam
Sharing Kiting Info with the Other FI
Are Your Internal Controls like Swiss Cheese?
SARs. What Constitutes Suspect Identification?
Check Fraud Prevention Tool
Email and Internet Fraud
More Scams using FDIC
Fraud, FDIC and FACTA
Customer Liability, Fraudulent Card & Card Number
Converted ATMs
Fighting Back With Education
Identity Management Not Secure in Many Companies
Training Page: Learning the Bank Numbering System
Check 21 Images and Forgery
One-time Use Numbers Protect Against Fraud
Bad Check Prosecution
Check Fraud on Deceased Customer's Account
Coalition Will Fight Online Fraud
'Skimming' Too Easy with New Technologies
Reasons for Filing a SAR
ATMs Not Too Secure
ID Theft of Another Flavor
Students More At Risk For ID Theft
Recrediting account of fraud suspect
Keeping Online Banking Safe: Why Banks Need Geolocation and Other New Techniques Right Now
Making a Deposit "Invisible" for Benefits Payments
Have SOX Penalties Changed?
When the Tax Man is NOT the Tax Man
Protecting Elderly Customers & Large Cash Withdrawals
Reporting Fraudulent Lottery Scams
Making a Deposit "Invisible" for Benefits Payments
Reg E -Require a Filed Police Report from Customer
Use of blank deposit slips in the lobby
Negative Database Defined
Fraud Cases -- Providing Records to Police
New Accounts: Do you need an affidavit of sole proprietorship?
Account Not Opened Due to Fraud Advisory
Controlling ACH
Teller Banned from Banking
New Advance Fee Schemes Reported: Old from Nigeria - New From Afghanistan
Forgery, Counterfeit, or Fraud?
Double Edged Protection
Obtaining Information on Check Fraud Claim
Timely Fraud Claims
FTC's Telemarketing Fraud Cases
Marking Teller Currency "Invisibly"
Internet Account Compromised, Who Eats the Loss?
Training Employees To Help With Elder Fraud
Statistics, Facts & Such
A Different Kind of "Fingerprint"
30 Days or 24 Hours for Discrepancy, Who Loses
Stolen checks, two banks: Who pays?
24/7 Fraud Check
ATM Security Tip
National Fraud Database Effective
Child's Play
Increased Sophistication of ATM Crimes
24/7 Fraud Check
ATM Security Tip
Help Arrives - Just In Time: Section 326 Compliance, OFAC Check and Fraud Protection in One Pass
National Fraud Database Effective
Internet Clears Paths to Identity Theft
Statistics, Facts & Such
Information Security: Authentication In An Online Environment
Watch Those Income Figures!
Not a Law Firm To Use!
First Euro Problem
Could Someone Successfully "Phish" for Your Customers?
Undercover Investigation Justifies Terminations
Use of Void Pantogram
Positive Pay & Fraud
Internal Fraud: Working with the Thief from Within
State Banking Associations Create Fraud Database
Fraud Tools From Abroad
Phishing Scams On The Rise
Withholding Provisional Credit
Request for Customer's Money to Uganda
Fraud Database In The Works
A New Degree Of Verification
Bank's Responsibility for Fraudulent Check Deposit
Restriction of Card Use After Fraud
Bank Deposit Fraud Growing Rapidly
Filing SARs for Stopped Nigerian Scam
Fraud Gets Its Own Unit At Experion
Stolen Check & Forged Endorsement
Altered Check: Who Pays?
Identity Fraud: The Need for a Common Lexicon
Stolen Check Returned Marked "Absence of Endorsement Guaranteed": Can we recover?
Investigating Missing Traveler's Checks
Fraud Prevention Incentive Plan For Employees
SAR Reports For Nigerian Email Scams
Important Alerts
PSSSSSST! Want To Make A Bundle?
Who Is Liable For Altered Check?
Counterfeit Currency Alert: Check the Watermark
Reg E & Non-customers Reporting Lost ATM Cards
Reducing Check Card Losses
Credit Card Fraud - Cash Advances
Customer Gives ATM Card and Number to Co-worker: Is the financial institution responsible?
Uncovering Potential Fraud: How Far should your investigation go?
Returning Fraud Checks Through Fed
Non-customer Deposits Into Customer Accounts
Pitfalls of Customer-Printed Checks
Correspondence with a 419 Con Man
Nigerian Scammer Meets Surfer Dude
Self Defense
"FDIC Alert Summary"
National Fraud Database Available
Know Your Customer -- Or Be Liable to Third Parties?
Fraud Flavors of the Month
Nigerian Scam Leads to Embezzlement
Bank Fraud Gallery
Fraud Stats and a Prevention Checkup
Protecting Customers from Fake Cashier's Checks
When Local Law Enforcement Wants Information
Reducing Fraud Losses
Financial Institution Fraud Statistics
Check Fraud And The UCC
Ten Flavors of Fraud
Learning from Fraud
Use of Thumbprint Signatures on New Accounts
Cashier's Check Fraud: Is there a time limit for returning the cashier's check?
1099s For Employee Thefts?
Where do you turn for assistance with debit card fraud?
Foil Treasury Check Fraud
Statistics On Fraudulent Off-Line Debit Card Transactions
Check Fraud Losses & Exception Hold Policies
Soldiers in the War Against Fraud
Online Banking Customers Spot Fraud Losses More Quickly
Fraud Resources
Focus on Fraud: Fraudulent Financial Statements
New Technology To Combat Check Fraud
Handling Fraudulent Accounts
Greenspan, Tanoue Advice: Watch For Fraud
Question & Answer
Question & Answer
College Students Beware!
Fraud In The Future
IN THE NEWS - Investment Alert
IN THE NEWS - Social Security Tax Refund Scam
Ounce Of Prevention
Question & Answer
Report Fraud Here
Bargain Checks Gone For Awhile
Double Your Money…Guaranteed!
For your information…
OCC Makes Use Of Fast Track
Sifting Out Possible Fraud
Think Ahead Use Technology To Combat Fraud
In The News… - Lost Billions
Where Are The Checks Being Delivered?
Asian Check Fraud: A National Problem
EDITORIAL - A Certain Kind Of Person…
EDITORIAL - Check Fraud Losses
IN THE NEWS - Cyberspace Frauds
Problems, Problems, Problems
Question & Answer
Question & Answer
Question & Answer
SCAM ALERT: The ATM Cash Deposit Switch
Yet Another Scam
"Check Fraud Is The Financial Crime Of The '90s"
EDITORIAL - Check Fraud 101
Too Good To Be True
Question & Answer
Question & Answer
COMPLIANCE NOTES - Don't Fall for "PBI"s
EDITORIAL - "How can you people let this happen?"
EDITORIAL - How To "Bilk The Bank"
Incredible Possibilities
Telemarketing Loan Scams: A National Epidemic
Wonder If It Was A Smiley Face Sticker?
IN THE NEWS - On The Other Hand…
Fraud Losses
Payee Refuses to Provide Affidavit for Check Dispute
Non-Customer Check Returned
Paying/Returning Debit Card Transactions
Three Check Card Dispute/Fraud Questions
Game Over?
ATM Card Loaned to a Family Member
Stolen checks, two banks: Who pays?
Statistics, Facts & Such
Fraud Involving Corporate Employee
Crooked Bookkeeper Strikes Again
Skimming and ATM Losses
Self Defense
Fraud Stats and a Prevention Checkup
EDITORIAL - "...lies, damned lies, and statistics."
Computer Statistics And Losses
HOEPA - Consumer Price Index
Financial Education from the FRB
Making Regulatory Burden Worse
Reg B Application Requirements
Reserves on deposit with the FRB
New Money and FRB Offices
Are We Looking At The Right Stuff?
Federal Reserve Bank as Bank of First Deposit
Financial Education: Out Of The Mouth Of An FRB Governor
Electronic Check Guide Available From FED
What is the CAC?
Regulations for Online Marketing
FACTA – Medical Collections & Credit Decision
CD Customers Negotiating Interest Rates
Email Marketing
Marketing "Not FDIC Insured" Insurance Products
Advertising Noncompliance Penalties Publications
Disclosures for Advertising Special Rate Deals
Using Credit Info Obtained from Portfolio Reviews
Graduated Payment or Variable Rate Ad?
Pre-approved Home Equity Loan Promotion
FACTA May Cause Rise in Complaints
FTC Releases Updated ID Theft Stats
Fundraising Ticket Sales for Prize (In Bank)
FACTA and Employee Misconduct Investigations
Adverse Actions and the FTC's Address
Do Not Call List: Summer's Hot Item!
FTC's Telemarketing Fraud Cases
Add "V" to Your Regulatory Alphabet
Risks should be assessed before marketing via e-mail
Fast Growth and Much to Lose?
Prescreening on an Individual Basis
FTC Enforces FDCPA
Predatory Lending: Lessons Learned
Unfair or Deceptive: Avoid Like the Plague
New Fax Legislation
FTC's Safeguard Rule
FTC: Catching Information Brokers
Identity Theft
Telemarketing Sales Rule Information
Referrals and Relationships
CRA Help From FTC
FTC Gets Tough on COPPA Enforcement
FTC Issues New Standard ID Theft Affidavit
FTC After FCRA
FTC Shuts Down Card Protection Programs
Funeral Accounts/Expenses
What Happens to Funeral Trust When Home Closes?
Regs Governing IOLTAs, IRETAs & Funeral Trusts?
Paying Funeral Expenses from Revocable Trust
Paying Expenses from Decedents Account
Pre-need funeral accounts
TIN for a Burial Trust Account
Prepaid funeral trusts and CIP
Interest Reporting For Irrevocable Burial Accounts
Funeral Trust Accounts
Paying Funeral Expenses From The Deceased's Account
Withdrawing Money For Funeral Expenses (Non-accountholder)
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