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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 9, Number 12 This issue went to press on November 9, 2004. Table of Contents Signatures: How to Document Signatures (5 Action Steps) Under the signature rules of Regulation B, you must be prepared to demonstrate why a signature was obtained or required and that it was done legally. SARs: To File and Not To File Whether to file a Suspicious Activity Report is one of those murky questions with no clear answer. Effective compliance is essential to protect your institution and to protect us all from terrorism Action Training: Put a Positive Spin on FACT Act Notices (2 Notice Options ) How FACT Act notices are written and presented may have an enormous effect on your relationship with your customer. Compliance Notes Compliance Calendar In the Editor's Opinion: Regulatory Burden: How Much Really? Without question, regulation carries many costs. Any requirement is a cost and a burden. But when was the last time we looked at the regulatory burden in context? Compliance Q&A
The FRB has issued two booklets that can be invaluable in helping your customers - and your institution - through the early days of Check 21 Mortgage Fraud: Know Your Applicants Mortgage fraud can take a variety of forms, but no matter what approach the fraud takes, the best form of prevention is to know with whom you are dealing. 
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