The following articles are featured in the Compliance section:

• About the New Required Reserve Balance Formula
• Crime in Progress
• Adverse Action- File a Copy of the FCAI Disclosure
• Flood - Life of Loan Certification Coverage
• RESPA – Title Company Broker Fee
• CD Changes – Notice to Customers
• HMDA - Double Reporting?

The Regulators will be at the Compliance Summit! Will you be there? You will find out first hand from compliance experts and the regulators such as the FDIC, FRB and OCC what they are finding in BSA and Compliance examinations, what they will target in 2009 and much more! Key topics include: RegZ, RESPA, ID Theft, UDAP, BASEL and other emerging risk issues! Plus, earn 15.5 CRCM credits! Join us at the Marriott Coronado Island Resort in San Diego! January 29-30, 2009. www.ComplianceSummit.com


In light of today's economic environment, regular monitoring of credit scoring systems is more important than ever. Experian offers a comprehensive decision monitoring and consulting service that can help you maintain strength and reliability in your scoring system and improve overall portfolio profitability. Through this proactive monitoring approach, one lender was able to reduce delinquency rates by 52%. To get more details about this lender's approach, click here or send us an email.



The following articles are featured in the Lending section:

• 15 Year Historical Example on a HELOC Disclosure
• Proof of BSA/AML and Compliance Training
• Interest Incorrectly Documented on Consumer Loan
• Converting Closed-End to Open-End Credit
• Loan to Entity - Demand Clause Required

...that several issuers have stated that bust out accounts for approximately 15 to 25 percent of their credit losses? To learn more about bust out fraud and how you can identify the potential for a customer to bust out, click here to register for this one-hour webinar: Optimize your fraud defenses: Innovative approaches to address today's fraud trends.



The following articles are featured in the Operations section:

• Now Account for Non-Incorporated Business
• Placing Holds on Accounts Not Subject to Reg CC
• UTMA Ownership
• Trustee Depositing Check into Personal Account
• Levy on an Individual and Trust Accounts

In a business world fraught with layoffs, budget and staff cuts, acquisitions and mergers, uncertainty abounds. Bank operations managers are asking themselves: "What if these cuts hit my department? How can I do more with less?" The need for efficiency in bank operations has never been greater. To learn how to manage operations for productivity and quality, contact Banker's Academy.



The following articles are featured in the Security section:

• Carrying Out a Bust-Out Scheme
• Bust-Out Targets
• The Latest Fraud Trends and Solutions
• Dismissed Employee Applying for Another Job
• Reviewing Forged/Fake Check Rules & Procedures
• CIP Documentation - Court Ordered Accounts

Several issuers have stated that bust out accounts for approximately 15 to 25 percent of their credit losses? To learn more about bust out fraud and how you can identify the potential for a customer to bust out, click here to register for this one-hour webinar: Optimize your fraud defenses: Innovative approaches to address today's fraud trends. click here or send us an email.



The following articles are featured in the Marketing section:

• Snow Blower Raffle
• State the Rate or Just the APR?
• Statement Considered an Advertisement?

Read the Current Edition of Tech Talk

The following articles are featured in the Technology section:

• Access to Internet Banking
• Annual Privacy Statement Mailings
• Reg E Claim Time Frame

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

Testing Business Continuity
I am inquiring to see if anyone has any suggestions for business continuity testing, mainly for roundtable discussions or walk throughs.

Read and weigh in with some helpful information on Testing Suggestions in the General Discussion forum and see what other bankers have to say.