The following articles are featured in the Compliance section:

• Guidelines on Authentication in an Internet Banking Environment
• Opening Estate Account Require OFAC Check?
• "Fresh Start Overdraft Loans" Program and Reg B.
• Escrow Required for HELOCs?
• Monetary Instrument Required for Cashier's Check?
• SDN Lists Compared to UN Sanctions Lists
• Federally Chartered Banks-Pay for Business License
• Decreased Loan Amount: Re-Disclose Policy
• Check Cashing MSB-Names Against OFAC List
• Guidelines on Waive/Charge and Ad-Hoc Overdraft

COMPLIANCE WEBINAR: Implement Best Practices for Cashier's Check Issuance Learn how to add centralized control, approval processing, and advanced security to your check disbursement operations. See a live demo of the APSecure official check issuance system from AP Technology. Wednesday, October 27 10AM PST / 1PM EST Learn More -- Register Now!

PATRIOT OFFICER^® offers the most effective and advanced technology to consolidate your Anti-Money Laundering, Anti-Terrorist Financing, and Anti-Fraud effort through a centralized case management platform with the highest efficiency? Contact sales@gv-systems.com to see how easy you can manage your regulatory compliance and risk management resources with optimal efficiency while removing duplicate effort.



The following articles are featured in the Lending section:

• GSEs' Uniform Mortgage Data Program
• Home Equity Refinance Subject to HMDA Reporting?
• Waiver of Escrows Agreement-1st Lien Home Equity
• Credit Report Fee on Non-Real Estate Loans
• Who does the Right of Rescission Apply to?
• Customer have to Sign Credit Score Disclosure?

it is possible to authenticate customer identities and achieve BSA, AML, KYC and other regulatory compliance by conducting "Identity Capture and Authentication" on ID documents? Your financial institution can prevent fraud and maintain secure FTC-compliant customer identity records - including images of driver licenses or passports - while conducting identity document authentication. Download our free whitepaper at FraudFighter.com and learn how!



The following articles are featured in the Operations section:

• Forgery Affidavits for Endorsement-Evidence Rule
• Joint Account Holder Deposit Check w/ Cash Back?
• Making Check Payable to Executor of Estate
• Reg D-Charging a Penalty for Withdrawals (RMD)
• Guardian Allowed to Open Safe Deposit Box?

Group Notary E&O Insurance covers the employee and names the employer as secondary insured. For large enterprises, Group E&O streamlines the process of insuring and is beneficial for organizations with multi-state locations. To learn more about multi-state Group Errors & Omissions policies, contact Chris Sturdivant at CSturdivant@nationalnotary.org.

that Regulation Z requires the Consumer Handbook on Adjustable Rate Mortgages (CHARM) to be given on all ARM purchase and refinance mortgage loans? For more information on this and other required consumer handbooks, please visit www.LendingForms.com.



The following articles are featured in the Security section:

• 30 Day Rule for Forged Endorsement Affidavits

you won't be able to open and read the newly required "UAD" appraisals? The GSEs are requiring appraisals in MISMO 2.6 XML format, and if you try to open them you'll just see gibberish on your screen if you don't have UAD Reader. Download UAD Reader for free now.

2010 HMDA denial rates decreased for minorities. How will this impact your bank's fair lending compliance? Know your bank's minority denial rates and the national averages by requesting a Free Denial Disparity Index Report from TruPoint Partners.



Read the Current Edition of Tech Talk

The following articles are featured in the Technology section:

• Reg E Letter-Minimum Dollar Amount for Disputes

AP Technology® offers leading secure payment solutions for cashier's check issuance, client positive file conversion, and secure file conversion and exchange? Enhance the security and compliance of your processes with APSecure cashier's check issuance solutions. Contact sales@aptechnology.com to see how to reduce risk and enhance fraud prevention for your bank's check disbursement processes.

AML RightSource's managed service approach to Transaction Monitoring provides more benefit that just monitoring your customer's daily transaction activity. We provide audit & exam assistance; help desk support for BSA/AML questions; OFAC/314a screening; Risk Assessment support; and a whole host of other services. WE DO THE WORK. YOU MAKE THE DECISIONS. Contact us for a no obligation estimate. www.AMLRightSource.com; jscrabonia@AMLRightSource.com; ph: 216.696.2000.



Are you looking for help from other bankers? Check out the Bankers' Threads!

Keeping a Complaint Log
Looking for a procedure to monitor complaints at our offices. Does anyone keep a complaint log? If so, what type of complaints do you track and what information do you include on the log? I'm thinking just products such as deposit or loan accounts or services such as electronic banking complaints.

Read and weigh in with some helpful information on Complaint Log in the General Discussion forum.