Monday, July 14, 2014



The following articles are featured in the Compliance section:
  • Loan Origination Fee vs. Loan Documentation Fee
  • Use and Occupancy Fee Considered APR Fee?
  • Regulation On ATM Only Cards
  • New Notice To Receive Appraisal Requirements
  • CTR for DDA Withdrawal On A Business
  • Can 2 Borrowers Be On 1 App if Same Purchase?
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The following articles are featured in the Lending section:
  • What's the Best Way to Automate the Review of Flood Zone Determinations?
  • At a Minimum, What Should Our Tickler System Track?
  • What Documentation Will We Need When Implementing a Paperless Management System?
  • Definition and Examples of Grantor
  • Title Held In Vesting: Deed of Trust/Mortgage
  • Stronger Borrower In 1st Position On App?
  • New Appraisal & Title Policy for Higher LTV?
  • Disclose If Loan Committee Disagrees w/Numbers?
55% of institutions prefer a centralized document capture process (versus 23% that capture documents at the branch level). Each bank has its own document archiving and retrieval best practices. How do yours stack up vs. other institutions? Download a study of 119 community banks.



The following articles are featured in the Operations section:
  • Non-Consumer Accts: Stop All Future Debit Entries
  • Can Sole Prop Checking Acct Have A Beneficiary?
  • Retention Time for Keeping Copies of CC Checks
  • Opening Roth IRA and Depositing Check
  • File CTR if Cashed Check By Exempt Customer?
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your appraisal operations are subject to the new OCC and CFPB Third-Party Oversight requirements? Compliance isn't difficult, but click here to get a white paper with fourteen recommendations when choosing vendors for your appraisal operations.



Read the Current Edition of Tech Talk

conducting Regression Analysis on your loan data is the only definitive way to determine if your institution treats all applicants equally? However, Fair Lending Regression Analysis isn't right for everyone. Download a FREE eBrief, "A Fair Lending Regression Primer" from TRUPOINT Partners to learn how regression is used in Fair Lending compliance.



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

Reporting Counterfeit Currency
If a customer or business deposits counterfeit currency to their account and the bank catches it, is against the law not to report this to the U. S Secret Service?

Read and weigh in with some helpful information on Counterfeit Currency in the Security - PUBLIC Forum.

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