November 19, 2012

The following articles are featured in the Compliance section:
  • Adverse Action
  • Reg Z Appraisals and Commercial Loans
  • Extended Holds
  • ADA Compliance for Bank Web Sites: Part 4
  • ADA Compliance for Bank Web Sites: Part 5
  • ADA Compliance for Bank Web Sites: Part 6
  • Send Privacy Notice by Email for Online Statements
  • Copy of Appraisal Disclosure for Restaurant Loan
  • Member FDIC on Cashier's Check/Money Order
  • Member FDIC on Customer Testimonial Poster
  • Procedure for POS Debit Card Disputes
  • Reg B Declining App for DTI & Insufficient Assets
  • Screen Against OFAC SDN List?
  • Disclosure for Income Derived from Divorce
  • CTR Amount for Cash Back Deposit
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that Scout users are so confident in their preparation that they give examiners access to their data before their exam starts? If you are prepared, there is no reason not to show it off. Click here to find out how rock star banks manage risk and compliance with the best tools.

The following articles are featured in the Lending section:
  • Post-Sandy, How can I get closings back on track?
  • Required to Send 1098 Origination Fee?
  • HUD-1A Settlement or Simple Statement-Terming Out
  • Occupancy Code When Borrower Is An Entity
  • Credit Score Exception If Requested Loan Not Secured?
  • Who Signs A Right of Rescission
  • Report Mobile Home Address or Collateral for HMDA?
there are 8 pervasive myths when it comes to fair lending compliance? Myth number four: "We do not have diversity in our market." This is not true and acceptance of the myth can negatively impact your firm's compliance management program. Click here gain access to all eight myths and the myth busting realities. It is a fun way to train your team.

According to a recent article in Forbes, the Justice Department is no longer focusing on the criminal violations that result in money laundering, but instead looking at financial institutions for weaknesses in their internal controls and procedures. Find out exactly what examiners are looking for and how you can ease your worries in the latest post on the new BSA/AML blog at

The following articles are featured in the Operations section:
  • Allow Savings Account to be Overdrawn?
  • Procedure/Requirements for Divorce Joint Account
  • Changing Business Account Signer (Upon Will)
  • Law on Jointly Payable Tax Refund Checks
  • Information on Expedited Funds Availability Act
  • Legal for Merchant to Charge % of Card Purchases?
86 percent of recent survey respondents reported that they are going to increase small business lending in 2013? Does your organization know how to grow its small business portfolio profitably by improving credit lending decisions with consistency? Register for FICO's Growing Small Business Lending with Confidence webinar series and learn the best practices to minimize risk and grow your portfolio.

JMA Services provides customer communication solutions to the financial services industry? Using state of the art technology, JMA deploys a national network of experienced field service professionals – who are performance driven. JMA provides face to face door knock, document pickup, and property inspection services. Using JMA services, you will feel comfortable with who is knocking on your borrower's door. For more information call 586.739.1200 or email

The following articles are featured in the Security section:
  • CTR Required for Deposit In Business & Joint?
that bank web sites must be ADA compliant, and if yours is not, you risk regulatory or legal activity? Deque Systems works with financial institutions of all sizes to help them evaluate their compliance risk. Additionally, our tools and services ensure that banks equip themselves to learn how to become self-sufficient at being compliant over time. Remove the risk and reap the rewards of ADA compliance by contacting us today.

we are continually communicating with our clients to stay current with the latest trends? Join us on Thursday, November 29 at 2:00 p.m. for a free 30-minute webinar to examine what we are seeing and hearing from our clients regarding the latest trends in BSA/AML. Topics that will be discussed include Beneficial Ownership, Ponzi schemes and other "hot" trends! Register here.

Catastrophic Disaster Area Inspection Reports are available for collateral in Sandy's path? No damage? Closings can continue. Damage? You'll know immediately. Mercury Network waived all transaction fees on these reports due to Hurricane Sandy, even if you're not a client. Over 3,300 appraisers are ready to give a "boots on the ground" assessment on these properties.

Read the Current Edition of Tech Talk

The following articles are featured in the Technology section:
  • ESIGN Act: Adding eBills to eDocument Service
LexisNexis® Bridger InsightTM encompasses 40+ global watch lists and PEP lists? Bridger Insight XG leverages world-class matching technology to drive quick resolution of watch list compliance requirements. Learn how to simplify the management of government regulations and reduce compliance costs. Click here for a FREE 30-day trial of LexisNexis Bridger Insight XG.

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

Preparing for the End of Unlimited FDIC Insurance Coverage
As of December 31, 2012, unlimited coverage for non-interest bearing transaction accounts will expire - thoughts on preparing for this such as will there be requirements to update post signs, and updates to banks website and such?

Read and weigh in with some helpful information or comments on Temporary Unlimited FDIC Insurance Coverage in the General Discussion Forum.

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