May 12, 2008



The following articles are featured in the Compliance section:
  • About the Community Reinvestment Act
  • Bank Owned Property
  • Hunting Camp - HMDA Reportable?
  • GLBA Violation-Loan Info Displayed on File Cabinet
  • RESPA - Short Term Loan
  • Appraisal Requirements in the Construction Phase
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An upcoming webcast will demonstrate ways your bank can best showcase its CRA-qualified investments in preparation for your next CRA exam. Click here to sign up for the free webcast or email Community Capital Management at jhorwitz@ccmfixedincome.com to learn more.



The following articles are featured in the Lending section:
  • What is Identity Fraud?
  • Requiring Customer to Buy Life Insurance Policy
  • C and I Loan - Signed W-9?
  • HELOC Modification - Extending the Draw Period
  • Dating Flood Research Data
  • Calculating the Aggregate Adjustment

Web based account opening and lending applications are available today to complement your existing platform applications. The web based applications will help you increase account holders, deposits and loans, while reducing your operational costs. To learn more about how LoansPQ and XpressAccounts can help your institution, contact RTE Financial Services, LLC at www.rtefs.com or contact@rtefs.com. The web site also allows you to sign up for a free webinar on these products.



The following articles are featured in the Operations section:
  • Reporting Refund Fees on 1099s
  • Cashier’s Checks & Next Day Availability
  • Tax Reporting on Minor's Interest
  • Is This an IOLTA Account?
  • Safe Deposit Box Rented to a Business

BSA/AML Requires ID Red Flag Compliance - Financial Institutions are required to perform Customer and Enhanced Due Diligence processes built around a process of specific risk assessments. Bankers are wondering how to do this complex task cost effectively to meet requirements. BANKDetect has a free webinar going through the new requirements, and links those requirements to solutions and policy development. www.bankdetect.com/Main/RedFlagsLead.htm.



The following articles are featured in the Security section:
  • Verifying Online Identity
  • SAR & CTR Required?
  • SAR - All the Deposit Details?
  • Account Closing Form Letter Due to SAR Filing

DASM can help you meet application service levels - Want to meet application service levels? Are your users complaining about user experience? Does demand for applications fluctuate? Learn how DASM specifically targets and solves these issues. Register for this free Webinar Managing Application Service Levels in Retail Banking, featuring banking expert John Hasson.



The following articles are featured in the Marketing section:
  • Referral Fee to Customer
  • Financial Education from the FRB
  • Joint Advertising

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Read the Current Edition of Tech Talk

The following articles are featured in the Technology section:
  • Negligent Customer Disputing Charges
  • Overdraft Fee Covered Under Reg E?
  • Reg E - PIN & Non-PIN Cases

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

Marketing a Non-affiliated Product
Can we market another company's(no affiliation) product to our customers?

Read and weigh in with some helpful information on Cross marketing 3rd Party Product in the Marketing forum and see what other bankers have to say.

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

Join the Discussion NOW and stay informed!

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