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FORGET YOUR PASSWORD? Editor: Lucy H. Griffin Board of Advisors: John S. Byrne, Esq. Robert P. Chamness Cliff E. Cook Phillips G. Gay, Jr. Barbara Hurst Richard Insley Michael D. Maher Robert G. Rowe, III Andy Zavoina |  |
Volume 8, Number 14 This issue went to press on January 12, 2004. Table of Contents FCRA: New and Improved? The 2003 Fair and Accurate Credit Transactions Act ("FACTA") provides major overhauls of several important parts of the FCRA as we have known it. ID Theft: Protecting Consumers from ID Theft FACTA creates the consumer bill of rights. Take steps to protect consumers from ID theft with the tools and information needed to resolve the problem. Action Training: RESPA: The Section 8 Analysis The world of mortgage lending has become incredibly creative. New ideas are popping up each day, suggested by mortgage brokers, mortgage loan officers with ambitious targets, and anyone trying to join in the action. Compliance Notes
With 21st Century technologies, there are many alternative delivery methods for GFEs and for the information contained in GFEs. HUD could take a lesson from the recently enacted Fair and Accurate Credit Transactions Act of 2003. Compliance Q&A
PCi's annual CRA and Fair Lending Colloquium was the place for discussing where CRA has taken the banking industry and where the industry should head in the future. Much has been accomplished, but there remains much to do. New Year's Resolutions: Resolutions We Wish Others Would Make At this time of year, we are called upon to make resolutions directed at self improvement. When it comes to compliance, here are some resolutions that we wish others would make (and keep). Risk Management: Risk Management Anyone? Risk management is the watchword of the day. It is the theme song of each of the regulatory agencies as they describe their new examination procedures. CRA: Cisneros on CRA Henry Cisneros was the keynote speaker at PCI's annual CRA and Fair Lending Colloquium. 
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