Monday, December 23, 2013




The following articles are featured in the Compliance section:
  • Refinance of Multiple Collateral HMDA Reportable?
  • Reg CC Large Deposit Safeguard Hold Cashier Check
  • Visa DC Dispute-Time Frame for Each Company?
  • New CTR Form Require ID Collection of Entity?
  • Credit Report Fees and Fair Lending Considerations
  • Guidelines for Notifying Customer of Received Levy
  • Saturday Legal Business Day for Disclosures/ROR?
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Fannie Mae and the OCC have issued recent appraisal QC requirements? It's more important than ever and a common source of buyback requests, so download the collaborative industry white paper "Appraisal QC: Industry Best Practices" here.



The following articles are featured in the Lending section:
  • Charge Delinquent Uncollateralized Loan to Another
  • Require Mobile Home to Have Flood Insurance?
  • How to Determine Flood Zone A or B
  • HOEPA/High Cost Mortgage Requirements 2014
  • Single Member LLC Primary Res-High Price Mortgage?
  • Right to Receive Copy of Appraisal-Commercial
  • Elevation Certificate for Flood Purposes
  • FDIC Special Situation Clause Multiple Structures
  • Using Existing Flood Determinations for New Loan
  • RESPA Information on GFE for Management
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The following articles are featured in the Operations section:
  • Is Collateral Exempt from IRS Levy?
  • Recourse for "Refer to Maker" Cashier's Check
  • POA Sign for a Trustee of a Trust?
  • Returning Check As Duplicate for Mobile Deposit
  • Procedure for Verifying Funds Over the Phone
  • 24H Deadline to Return Counterfeit/Forged Payee?
  • Charge OD Fee If Result of Pending Transactions?
  • Proper Endorsement for Treasury Refund Check
  • Bank of 1st Deposit-Responsibility for Endorsement
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The following articles are featured in the Security section:
  • OFAC - Non-customer Cashing Customer's Check
  • OFAC Check on Non-customer?
  • Personal Property of the Tellers
  • Forged Signature Claim Timeframe
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The following articles are featured in the Marketing section:
  • Giving a Gift to New Loan Customers
  • Advertising Tiered Rate Accounts
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Read the Current Edition of Tech Talk

The following articles are featured in the Technology section:
  • Reg E for Pending Transaction Disputes
  • Reg E Investigation Process- Pending Transaction
  • Reg E Signatures for Debit Card Disputes
  • Deny Debit Card if Do Not Opt-In?
that managing loan files electronically can significantly streamline your audit and exam preparation process? Systems such as AccuAccount reduce auditor expenses, improve information accuracy, and minimize lost or missing files. Learn why auditors are recommending document management software. Watch this free video.



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

Unintended Consequences of New Vacation Policy
At the beginning of 2013, we switched our Vacation and Sick plans to a combined PTO plan. One unintended consequence is that employees are reluctant to use their PTO for when they are sick, so they come to work instead. This means that I have employees at work with a fever, cough, etc. At what point can I make an employee go home sick so they are not here infecting the other employees and customers?

Read and weigh in with some helpful information on PTO Use for Sick in the Human Resources Forum.

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