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Account Numbers Account Styling ACH ADA Address Change Adjustable Rate Mortgages Adverse Action Advertising Affidavit Affiliated Business Arrangement Affirmative Action ALLL Alteration Anti-Money Laundering Anti-Tying Applications Appraisal APR/APY Arbitration ARM Article 9 ATM Audit Authorized Signers Auto Availability denotes Guru Question & Answer. Account Numbers Account Number on Hold Notices & Bank Statements Training Page: Learning the Bank Numbering System Verification to Release Information Requiring an SSN is a Violation of Law, He Says Privacy & Customer Account Numbers On Back Of Checks Revealing Account Numbers Over The Telephone Monitoring From Afar Requiring Deposit Account Numbers on Checks Account Styling DBA Set Up as a Trust Account Opening/Styling Minor Savings Account SSN for a Single Member LLC? POA on a Trust Account CIP Info When Adding Account Owner POA Added on a Minor Account? SSI Removed - Restyle the Account? List Spouse as "Survivor" not as POD? Changing Accounts into a Revocable Trust Removing Decedent's Name from the Account Styling a Personal Trust to Include a Corporation Rules & Regs for Minors as Signers on Accounts Styling Minor Account to Protect Minor's Funds One Signer Removing Another Signer Same TAX ID Number - 2 Different DBAs Totten Trust Accounts Not-for-Profit vs. Non-Profit Styling Business Account Owned by Trust Account Styling: UTMA Accounts Court Opening Account as Guardian Tenancy by Entirety Accounts Opening an Account for a Deceased Person Documentation for a Joint Venture Account New Accounts: Do you need an affidavit of sole proprietorship? New Accounts: Guidelines for Non-profit Accounts Family Trust as Beneficiary? Difference Between Co-Owner/Joint Owner When is a CD Not a CD? New W-9 for Account Owner Switch New Account: Creating an Account to Benefit a Minor DDA LLC Ownership Style POD on Safe-Deposit Lease POD on an LLC LLC Owning an Interest-Bearing Account Can a corporation have a POD beneficiary? Proper Use of "The" in The Name DBA Account Ownership Account Styling SSN vs EIN Corporate Definitions UTMA Account Styling Guru Compilation: Accounts(PDF) Minors Accounts Who is the Customer of a Group Account? Guru Chatter on Account Styling(PDF) Styling Tenancy by the Entirety Accounts "Joint" Sole Proprietors Account Styling: Converting a Partnership Account to a Sole Proprietorship Account Opening One Account For A Customer With Multiple Assumed Names Documents Required To Open A Business Account Joint Account Styling: Is "or" or "and" Required? Only One Name on Joint Account Checks? Four DBAs -- One Account? Account for Institutionalized Customer Interest Bearing Accounts For Business Customers Account Styling: Custodial Accounts What Documentation Should we Require to Open a Deposit Account for a Political Party? Opening Account With Assumed Name Certificates? Opening An Account With A "Stage Name" When Opening an Account with a Fictitious Name Certificate, must the Account be a Business Account? Sole Proprietorship Accounts & Business License Documentation Can we Open a Partnership Account with the Partner Being Another Business? Account Styling: SSN or TIN for DDA in Individual Name, DBA as Company? Account Styling: Title Company Escrow Accounts LLC: TIN or SSN? Fundraising/Donation Accounts Can a UTMA be a Demand Account? Fundraising/Donation Accounts How Should a Signature Card Read When Opening a Trust Account? Styling An Account For A Class Reunion Account Styling For Joint Ventures Styling Accounts When The Customer Uses A 'Pen Name' Notification Requirements When Changing Customer Accounts Banking Myths & Phantom Requirements: Account Titles & Social Security Numbers Account Styling: Corporation to LLC ACH Reg D Limits -When is a Transaction a Transaction? Government Lists for 314a Search Requirements ACH Stop Payments ACH/Ebanking Reports & Records Retention Western Union Transfer Subject to Reg D Limits Unauthorized ACH - 24 Hour Rule Unauthorized ACH - Who Takes the Loss? ARC Rules Canadian Checks Subject to Reg CC? Timeframe for Unauthorized Check Return ACH Debit Card Compliance Reg D - Monthly PayPal Debit Transactions Stopping an ACH Insurance Debit Timeframe for ACH Transaction Dispute Corporate Customer/Timeline to Dispute Unauthorized ACH Pre-funding Direct Deposit of Her Payroll into His Account ACH Loan Payment Return ACH Transactions on HELOCs Remote Capture Policy EFT Check Collection Verbal Stop Pay How Should the Customer's Agreement Handle ACH/ARC vs. Check 21? Number of Times an NSF Item Can Be Presented Originating Bank Returning/Reclaiming Funds Reg D - ACH Transaction a Check or E-Transfer? Handling Non-receipt of ACH Over the Phone Technological Leaps and Law Enforcement Thresholds: Why Financial Fraud Continues to Rise Unauthorized or Revoked ACH Debits NACHA's Settlement Date or Reg E's Statement Date? Check 21's Effect on ACH & EFT Transactions Refusing & Returning Drafts on Savings Accounts Returning an Unauthorized E-Check Paper Items Returned NSF Redeposited Customer's Time Limit on Unauthorized ACH Entries Customer Signature Required on ACH Affidavit Form Withdrawal Limitations on ACHs Returned NSF Final Responsibility for the Annual ACH Audit Disputing Customer's Authorized "Temporary" Charge Small Banks, Big Business: Money Transfers as ACH Transactions Problems in Dual Stop Payment Environment Comparing the Value of eCheck and Check 21 Approaches Signature on File to Authorize Recurring ACH Comparing the Value of eCheck and Check 21 Approaches Charging NSF Fees on Saving Accounts w/ACHs Closing a Customer�s Account Stop Pays on ACH Pay Day Loan Payments Electronic Debits from LLC to Personal Accounts The Levy, The Spouse and The Direct Deposit ACH Returned Late on Closed Account Issuing a Debit Card to POA on an Account Which Rules Govern Returned e-Checks? Issuing a Debit Card to POA on an Account Preventing ACH Debit Errors Time Frame a Stop-Payment Order is Effective Limiting Liability for Certain CCD Debits OFAC List - Scanning ACH Origination Files Internet ACH Entries Business Customer Claims Unauthorized ACH Reg. E and CD Interest Transfers Reg. E, ACH, Visa Error Resolution Rules Why Not Overdraft Privilege? NSF Fee on an ACH Item Identifying Accounts With Reg E Activity ACH Representments Again and Again Regulation E, Check Conversions, the ACH and Stop Payments Controlling ACH Processor Takes Big Step Towards Conversion ACH Fines for Unauthorized Transfers Charging For Affidavit for Unauthorized ACH Need Help Understanding ACH Transactions ACH Debits After Notice of Death Reclassifying Savings with EFT Access Applicable Rules to ACH Stop Payments Credit Error, Now the Customer Wants to Keep It Notification of Check Conversion Possibilities NSF Fee on a Savings Account ACH Tax Refunds to Another's Account Where are ACH Transactions Regulated? What Stop Payment Order is Appropriate Stop Payment Request: To Ask or Not to Ask Paying OD in Anticipation of SSA Deposit Returning ACH Debits Reg E Fee Disclosure Breakdowns ACH Origination Procedure Is This an ACH Transaction? Undesirable Customer Electronic Check Conversion of Bank Item Counting ACH Debits Toward the MMDA Limit Club Accounts and Regulation E: Making a Statement DNE Notification on ACH ACH Debits to Savings Accounts Electronic Check Conversion and Angry Customers Average Holding Time for Pre-Authorized Transactions Blocked Parties, ACH, and OFAC Forgery Affidavits & Electronically Processed Checks Reclearing an ACH Item Customer Liability on ACH and Reg E Transactions Reg E: Is a Sole Proprietorship a Natural Person? Payment Stopped: Can Payee Issue ACH for the Amount? A Billion ACH Payments Added in 2002, NACHA Announces Memo Posting Of ACH Files ACH and OFAC Customer Approval for E-Checks What Rule Allows a Company to Turn a Paper Check into an ACH Transaction? Withdrawal Limitations: Weekly ACH Debit Of Savings Account Suspicious Activity and ACH Transactions Stop Payment Fees For Revoked ACH Transaction Defining The ACH Network ACH Origination File Retention Requirements ACH Rules And The Effective Entry Date ACH Transactions and The 60-Day Dispute Rule Customer Authorization for ACH Drafts ACH Transactions Involving the Internet ACH, Reg E & Business Accounts New Publication to Assist Billers and Financial Institutions with Accounts Receivable Conversion Programs Returning Large ACH Items NACHA Rules on Internet ACH Debits ADA ADA & Websites Bad Behavior Protected Under ADA? Preparing Your Annual Security Program Report Reg B - Lending to Persons with Disabilities More on ADA and Websites Sliding Doors & Security Statements for the Disabled Family and Medical Leave Act ATMs For Visually Impaired Compensatory and Punitive Damages Unavailable in an ADA Retaliation Case Web Site Accessibility and the ADA Is Hiring on the Basis of Appearance Illegal? Employee's Deceit Voids FMLA Protection ADA requirements and Teller Lines Question & Answer Who Is Your ADA Officer? Putting Cash Within Reach Americans With Disabilities Act & Employment Address Change Resending Returned Adverse Action Letter Regulations Covering Customer Info Change CIP - College Student Physical Addresses Customer Frequently Changes His Address Signing Online Change of Address Request Customer Follow-up and Verification of Requests Retention Schedule for Changes of Address Good Address Change Procedures Adjustable Rate Mortgages see ARM Adverse Action Resending Returned Adverse Action Letter Hand Delivery of Adverse Action Letters Send FCRA Adverse Notice to Individual & Company? Credit Card Reapplication Denied - Adverse Action? Freezing a LOC - Adverse Action Notice Send Loan Denials to Applicant & Guarantor? Fed Address for Submitting Adverse Action Notice Time Frame to Provide Notice of Action Taken FCRA Notice-Loan Denied Due to Low Appraised Value Notice of Action Taken - Retention Period Application Withdrawn - Notice of Action Taken Account Declined - Adverse Action Notice Pull a Credit Report for an Account Sole Proprietorships & FCRA Adverse Action Notices Adverse Action on Withdrawn Application? Joint Applicants - Separate Adverse Action Forms? Co-borrowers Liabilities & Credit Reports Splitting Advertising Costs - RESPA Violations? Selling Individual Retirement Accounts (IRAs) Loan Denied to Illegal Alien - Adverse Action? Is Closing an Account Adverse Action? Credit Report Run During Loan Pre-qualification Verbal Notification of Action Taken Customer Loan Cancellation - Adverse Action Commercial Loans - Adverse Action Letters Credit Denied - Disclose Use of Outside Source Commercial Loan and Adverse Action Notice Is Not Reissuing a Card a Denial for Reg B? Why Financial Fraud Continues to Rise Which CRA do we Disclose on Adverse Action Notice? Adverse Action Notice Sent to Mother & Daughter? Credit Reports Adverse Action Notice Without Reasons Application Date for Prequalified Applicant Wording on Adverse Action Notice When Do I Go on the Notice of Action Taken Clock? Examples of When An Adverse Action Is Needed FCRA and Credit Reports Adverse Credit Reports on Authorized Signers Pulling Credit Reports for Employment Purposes Timing of Adverse Action Letter on Mortgage Loan Reg B Commercial Adverse Action Debit Card Denial Disclosure Contents of an Adverse Action Notice Adverse Actions and the FTC's Address Content of the Adverse Action Notice Selecting Reasons for Declining Loans Regulator's Address for Adverse Actions Loan Denials for Third Party Applications Conditional Approval - Conditions Not Met Guru Chatter on Adverse Action (PDF) Adverse Action Notices and Co-applicants Delivery of the Adverse Action Notice Overdraft Privilege and "Adverse Action Notices" under ECOA Commercial Loan Applications And Reg B Debit Cards & Loan Denial Forms Prequals Under HMDA ECOA Notice Requirement Signature on Adverse Action Notice Incomplete Mortgage Applications RESPA Disclosures Given BEFORE Application FCRA and Deposit Accounts Adverse Action Notice for Credit Suspension? Checking the FCRA Box for Excellent Credit? Adverse Consequences from Late Adverse Action Notices Adverse Action, ECOA, and FCRA Adverse Action Letters to Multiple Parties Is an Adverse Action Letter Required When a Counter Offer is Accepted? Adverse Action Guide? Minors & Adverse Credit Information Adverse Action & Disclosing Credit Bureau Information Adverse Action for Denial of ATM or Debit Cards? Reg B Changes Roundup Correct Address of a Credit Bureau For Adverse Action FCRA, Joint Accounts, and Adverse Action Adverse Action Letters Under the New Reg B Time Limit for Adverse Action Notices Adverse Action Notices: When And To Whom? Web Loans, Web Adverse Action Notices? Loan Cancellation By Customer & Adverse Action Notice New Loan Policies & Adverse Action Notices Adverse Action Notices & Counter Offers Adverse Action Requirements For Large And Small Businesses Commercial Customers & Adverse Action Notices Adverse Action Notice Requirements Customer Closed Accounts and Adverse Action Notices Adverse Action Notices Co-applicant Adverse Action Notices Advertising Member FDIC Logo on Bank-Sponsored School Sign? Marketing "Not FDIC Insured" Insurance Products Member FDIC Required on Privacy Disclosures? Advertising a Private Insurance Carrier's Logo Reg Q Confusion & Competitor's New Account Promo FDIC Logo Outside Banner Advertising a HELOC Customer Appreciation HELOC Offer Member FDIC Logo on Bank-Sponsored School Sign? SMB Marketing: Differentiating Company and Product Brands with a Unique Selling Proposition CD Promo - Equal Housing Lender Logo Required? Website Banner Advertising - One Click Rule Advertising Noncompliance Penalties Publications Radio Advertising Disclosures Advertising Definition Reg DD - Internet Ad MMDA advertising disclosure Flyer Ad - Quoting Monthly House Payment Only Trigger Terms In the Doghouse? Is Direct Marketing to Seniors an ECOA Violation? Reg Z Advertising Disclosure Rules For In-Branch Posters Wording on Billboard Advertising Reg DD & Advertising OLD FDIC Seal in Print Ads Disclosures for Advertising Special Rate Deals Member FDIC on Sheet Stuffer? Advertising Questions Buck Slips Logo Size Advertising Questions Illegal Third Party Inducement? Hidden Trigger Term? Prize Drawing limitation Event Sponsorship Email Taglines Advertising on Website Statement Stuffer "Click here" link... EH Logo on Website Advertising Amortization Period Website Changes & Website Record Retention UDAP and Compliance Searching for an Advertising "Bible" Check Card Contest Revisited Ad Featuring Prominent Bank Customer Does Size Matter? Pizza Coupons Check Card Contest Mortgage Advertising - Which Logo Do We Use? Rate Sheets EH Logo Required on Forms in Application Package? FDIC Logo Change? HELOC Outside Banner Reg DD - Bonus Offered on a Non-Interest Account Banking on Sharia Principles: Islamic Banking and the Financial Industry Educational Materials and Ads Combined Flashing Sign NEW FDIC Logo Free Checking Advertising - Inactive Account Fee Giving a Gift Card as a Deposit Premium EHL Included in all Advertising? Statement Stuffer Tiered MMA Advertising Disclosure of OD Charges - Historical Exemption Click Here Link Insurance Ad Rules FDIC logo and credit card ads Advertising Rates based on Credit Scores Rate Sheets - Are They Considered Advertisements? Privacy and Drawings Telephone Hold Messages - Member FDIC Understating an APY Gift Cards- disclosing fees on advertising Advertising on a Banner Marketing "Not FDIC Insured" Insurance Products Advertising a Drawing - Rules & Reporting Advertising a Drawing - Rules & Reporting Deposit & Debit Charges on Free Checking? FDIC Logo Required on Public Relations Ad? Member FDIC on General Image Boards Member FDIC in Place of the FDIC Logo? Gift Cards- disclosing fees on advertising Website Compliance Issues Co-op Advertising Agreement Should We Include the Logos in the Ad? Equal Housing Logo - What is it? EHL Logo Ad Sizes Exclude Member FDIC? Exercise Caution in Disclosing "Bonus Rates" Toasters, Teddy Bears and Other Freebies House Logo Required on Statements? New FDIC Advertising Rules Trigger Term Lapel Pins? EHL Logo - Classified Ads Commercial Real Estate Tombstone Advertisement Tiered MMA Advertising Commercial Lending Newspaper Advertisement Bank Advertising - Member FDIC Charitable Fund Raiser Advertised on Bank Website Advertising a Stepped-Rate CD Reg DD - Marketing of New Accounts Reg Z - Advertising Trigger Terms Advertising Fee Free ATM Usage Advertising a CD APY on Scrolling Reader Boards Newspaper Ad - Additional Disclosures Required? FDIC Logo & EH Logo Left off of Promo Pens Disclose "No Purchase Necessary" in Sweepstakes Ad IRA Lobby Poster Promo CAN-SPAM - Clear & Conspicuous Free Checking Account Inactivity Fee Member FDIC Logo on Bank Sponsored School Sign? Time Deposit Advertising Disclosures Annual Percentage Yield Stated in CD Radio Ad In the Doghouse? FDIC Official Statement in TV Ads Human Model Advertising? CD Promo Proposal New FDIC Signage Size Free Checking? Direct Deposit/Minimum Balance Required Website Banner Advertisement Free Account - Some Restrictions Apply New FDIC Logo Thirty Second Ad vs. Sixty Second Ad Totally Free Business Checking Account? APY vs Annual Percentage Rate Is Advertising No Fees a Trigger Term? Say It and Show it? Free Checking Advertisement FDIC Logo - Minimum Type Size on Print Ads Member FDIC on Construction Signage? Rate Sheet for Realtors Calculating Mortgage APR for Advertising Mobile Phone Ads - Display "Equal Housing Lender" Advertising and Overdrafts Disclosing Contest Winners to Local Newspaper Advertising Deposit Rates Calculating Mortgage APR for Advertising Bank Advertising Training Needed Annual Percentage Yield - Used First CAN SPAM Opt-out Font Requirements Charging a Fee on a Completely Free Account Match the Rate in Competitors' Newspaper Ads Junk Fax Rules Retention of Rate Information or Sheets Reg DD - Marketing of New Accounts Use Member FDIC or DIF in Newspaper Ads? Graduated Payment or Variable Rate Ad? Advertising Promotional APYs on Deposit Products Reg Z - Advertising Trigger Terms Reg DD - We Only Offer ODP for Sweep Accounts Advertising a Stepped-Rate CD Reg Z Advertising Disclosure Rules For In-Branch Posters Advertising Equal Housing Using the EHL in Print Advertising Is Direct Marketing to Seniors an ECOA Violation? Scrolling Electronic Signs and the Equal Housing Lender Logo Reg Z & Interior Billboard Promotion Requirements Disclosing Overdraft Balances on ATMs Readability Standards For "Clear and Conspicuous" Display EHL & FDIC Logo Required on Direct Mail Postcard? Using The FDIC Logo When Marketing Your Wealth Management Products Regulatory Logos on Promotional Items Advertising an IRA Passbook or CD Account Are We Advertising our Overdraft Service? Disclose "No Purchase Necessary" in Sweepstakes Ad FDIC Logo & EH Logo Left off of Promo Pens Reg DD- Are Rate Sheets Advertisements? Regulatory Logos on Promotional Items EHL Logo on Commercial Ads NASCAR Member FDIC Required on ATM Billboard Ad? Minimum Size of the FDIC Logo Advertising APY Of Tiered Deposit Product Advertising on a Customer Web Site Trust & Investment Products In The Same Ad HELOC Rules & Advertising "Variable Rate Tied To Prime Rate" Advertising APR Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs Solicitation Letter, APR, and Disclosures Keeping Copies of Advertising How Do Your Customers Rate You? Just Ask! Logo Creation Using Your CEO in TV and Radio Ads Choosing Promotional Giveaways Advertising NDIP On Outdoor Signs How Effective Was That Ad? Complying with Reg DD Banner Ad Disclosures Mailing Info on Bounce Protection Electronic Signage CD bonus Adverstisement FDIC Logo Required on Generic Statement Stuffer? EH Logo: Direct Mail Advertisement for Home Sales EHL Logo and Member FDIC on Bank Forms Advertising CD in Newspaper Is this a Trigger Term? Common Website Violations Disclosing Pre-payment Penalities in HE Loan Ads Reg Q Confusion & Competitor's New Account Promo Advertise Checking Account as "Free" Is FDIC Logo Required on Informational Brochures? Advertising a Loan With a Prepayment Penalty More Raffle Tickets for Opening an Account Advertising a Private Insurance Carrier's Logo Customer Says "Opt Me Out or Else!" Outside Banner Advertising a HELOC Use of Customers' Photo or Name in Advertisements Required Size of Equal Housing Logo in Advertising Ad for Mortgage with Discount for Autopay Will Promo Open a Treasure Chest or Can of Worms? Classified Ad Aimed At Bi-lingual Customers EHL and/or EHO logos Statement in Ad Trigger Additional APY Disclosure Handling Multiple Regulatory Disclosures Advertising HELOC on Website Banner Advertising - Charging ODP Fee on Free Checking Compliance Tips for Advertising and Marketing Deposit Products Documenting Truth in Savings Compliance News Release Compliance Issues - Loan Program Compliance Tips for Advertising and Marketing Deposit Products Penalties for Violating FDIC Ad Rule Reg Z Advertising Trigger Retention of Rate Information or Sheets Posting Deposit Rates in the Lobby Tiered Rate Savings Ad on Scrolling Sign Guess Who Got Tagged With the Annual Report! Billboard Ad Info Needed Bonus Gift Card Celebrating Five Years in Business with 5 Yr. CD Is Account "Free" if We Charge for Images? Are EHL Logo and Member FDIC Required Here? No One Likes Mystery Meat Equal Housing Logo -- Minimum Size, Location? Showing a Bank as a DBA Advertising a Mortgage Loan Electronic Advertising Advertising NDIP and Insured Products on the Web Risks Should be Assessed Before Marketing Via Email Guru Chatter on Logos, Ads and Signs (PDF) Guru Chatter on Advertising Loans(PDF) Graduated Payment or Variable Rate Ad Advertising Loan Rates Without an APR Is this a Lottery? Advertising Disclosures with Letterhead Reg Z Ad Triggering Terms Advertising a Stepped-Rate CD Using the EHL in Print Advertising Using Testimonials in Trust Marketing Give Aways and Drawings Mandatory Use Of EHL Logo Advertising a Stepped-rate CD EHOL Logo Requirement Using the EHL in Print Advertising Difference Between Vertical and Horizontal Market Finding Other Lenders' Marketing Materials Building a Brand in Banking And Now A Word From Our Sponsor When Must APR Be Disclosed? Regulatory Logos on Promotional Items