February 27, 2012

The following articles are featured in the Compliance section:
  • Fair Lending Includes Service
  • Required Verbiage on Teller Receipts
  • Info on Escheat for Accounts in Tennessee
  • Reg for Name/Address Printed on Checks (FI)
  • UCC Requirements on Lobby Postings-Font, Size?
  • Time to Close Once Flood Determination is Received
  • Reg GG Apply to Non-Profit Organized Like Corp?
  • Is ACH Governed like a Wire Transfer?
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The following articles are featured in the Lending section:
  • Insurance Info Required on HUD for Commercial?
  • Finance Charge Added to Auto w/o Notification
  • Boat Loan w/o Violating Fair Lending Laws
  • How to Report HMDA Ethnicity, Race, etc.
  • How to Handle GFE Never Disclosed for Rate Lock
  • Required # Days to Close Real Estate on Primary
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The following articles are featured in the Operations section:
  • Deposit Check Directly into Family Member Account?
  • Endorsing Check Payable to Individual & Business
  • Sending a Model Disclosure for Chargebacks
  • How to Get Other Bank to Return Check Before 7 Days
  • Require Minimum Transaction Amount for CC/DC?
  • International Time Frame for Collecting Money
  • Address for Senior Citizen-Primary Account (Joint)
  • Documents to Open Uniform Gift to Minor Accounts
  • Penalties for Redeeming Funds UTMA w/Child Over 25
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.

The following articles are featured in the Security section:
  • Guidance on CTR Exemption Status for Business
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Risk Rating Consumer Accounts
I thought we did a pretty good job of risk rating commercial customers but we need to risk rate our consumer customers. Is there any guidance specific to risk rating consumer accounts?

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