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CIP and BSA/PATRIOT Act Issues
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I may not be the best person to answer this, because I use an automated system that logs the transaction scan even if I've 'whitelisted' a specific name or character string that hits repeatedly without being a true hit. So, my advice on how to run a
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Chat! - BOL Watercooler
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Sunny T, where are you in FL?
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The BOL Couch
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Prayers from Oklahoma for your family.
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Lending Compliance
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When does a GFE expire? Page 10 of FAQ states the answer as: If a borrower does not express an intent to continue with an application within ten business days after the GFE is provided (or such longer time period specified by the loan originator),
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Lending Compliance
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Thank you...I am going to a bar instead.
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Chat! - BOL Watercooler
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leap
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Chat! - BOL Watercooler
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The Wreck of the Edmond Fitzgerald - Gordon Lightfoot
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Need to Remain Anonymous
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In Oregon, you're required to disclose ATM and Night Depository safety precautions. We provide it at account opening and again when applying for an ATM/Debit card. Here's our statute: "714.300 Issuance of safety information to customers of AT
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Chat! - BOL Watercooler
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shot
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Chat! - BOL Watercooler
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1790
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Deposits and Payments
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Our debit card aggreement has a provision which allows us to close the debit card if the card has been inactive for 18 months or more.
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The BOL Couch
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Hugs to you. I lost my brother 5 years ago and it took me 3 solid years to find some peace inside my heart. No one and I mean no one can tell you how long it will take to find peace. At times I still get choked up if the family is talking about him.
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Chat! - BOL Watercooler
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Originally Posted By: Mr. Peepers6 weeks of goose hunting? No! 6 weeks of picking up poo and nuts from his yard. Happy Thanksgiving, Happy!
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Chat! - BOL Watercooler
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I am hurt GD, truly...
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Deposits and Payments
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Reg DD also requires a penalty within 6 days of any partial withdrawal (not just from opening). If you allow the customer to have a partial withdrawal, you can't let them have another withdrawal for another 7 days without imposing a penalty.
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Lending Compliance
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If you're using a change in terms agreement, you're not refinancing the loan. No new disclosures are triggered. Read §226.20(a) and the definition of "refinancing" in RESPA.
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Lending Compliance
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Just the GFE - you are correct. In fact, this type of situation could lead to you providing a revised GFE at closing.
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Chat! - BOL Watercooler
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don't worry, Iron Maiden and Tool have since come along and provided needed musical genius
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Lending Compliance
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That's correct.
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CIP and BSA/PATRIOT Act Issues
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We do not except them at all from any country.
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Chat! - BOL Watercooler
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Wait. Where are you pinning that thing on me? You sure that isn't velcro?
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Lending Compliance
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They just got married and she's an ex? Unless they're divorced (final decree), she has to sign off on the mortgage for homestead property. Marital property law requires it. It does not, however, require her to be a borrower. I'd go with not doi
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Chat! - BOL Watercooler
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Originally Posted By: Brad BOriginally Posted By: FBHGreinke deserves it, he just plays for a REALLY bad team. Don't worry, the Yankees will own him in a few years... :p What do you mean REALLY bad team? Why, as a Royals fan, I was REALLY excited
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BSA Top Gun Conference Discussion Forum
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I will be there - budget squeeze meant no travel at all in 2009. BUT - - - Hawkii, you just ruined my mood. I was thinking "RESPA" will be put to bed by then & haden't even thought of HMDA yet
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HMDA
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you're going to have to choose "1" because it won't let you choose zero...that's it in a nutshell...not sure if i can give you the regulatory stuff to back that up.....but that is your only choice
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