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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 13 This issue went to press on November 23, 2004. Table of Contents FACT Act: Final Rule on Identity Theft (7 Action Steps) It's official. The final rule on the identity theft flags and active duty alerts is out. HMDA Problem Areas (5 Action Steps) Thanks to compliance managers who have tried to stay ahead of the curve (or the huge boulder rolling down at them) and to examiners with foresight, we have some early indicators of what is going wrong with 2004 HMDA reporting. Action Training: It's Beginning to Look a Lot Like HMDA (LAR Steps) The sights and sounds of the holiday season have arrived proclaiming that HMDA reporting is in the near future. Compliance Notes
In the Editor's Opinion: How? Compliance has undergone an enormous change. Or, if you prefer, a significant evolution. It is the change from "what" to "how." Compliance Q&A Comments: What Matters? It's not just what you say, it's how you say it. 
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