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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    Authentication    Authorized Signers    Auto    Availability

denotes Guru Question & Answer.

Account Numbers
Account Number on Back of Check

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
IOLTA Account � Titling & CIP Info

Estate Account Styling

Trust Account Styling

Account Styling Change

Restyling Revocable Trust After Spouse Dies

Titling an LLC With a SSN

Adding a Signer to an Estate Account

FDIC Insurance � POD Accounts

Styling Accounts to Protect Against Lawsuits

FDIC Insurance � Corporate Custodial Accounts

Account Styling � Sole Proprietorship with a TIN

Styling Joint Account for Non-U.S. & U.S. Persons

Two Joint Accounts - Styling & Titling

Correct DBA Account Styling

Deposit Accounts - Adding Contingent Beneficiaries

Naming Beneficiary as Attorney-in-Fact

Transferring Account Ownership to POD

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

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 E � Customer Only Liable for $50?

Commercial Customers Rights & ACH Disputes

ACH � Returned Item Recourse

Debit/EFT Coming Through a Closed Account

Closing Account Receiving Government Benefits

Complying with the new International ACH Transaction (IAT) Regulations

OFAC Policy & New International ACH Regs

Reg D Transfer Limit Change

Info Needed for a Stop Pay

Reg E & ACH Disputes

Differences Between EFT & Wire Transfers

Notify Customer of Closed ACH Investigation

ACH Sent to Wrong Account

Placing a Stop Pay on a Converted Item

Dispute Filing - Statute of Limitations

Converted Item Return

Bogus Reg E Claim

Clarification on Paper & ACH Stop Payments Needed

Unauthorized/Disputed ACH � Notice Required?

Reg E & Unauthorized ACH Transfers

ACH Opt-Out Option

How Long Does a Bank Have to Send Back Items?

2nd Generation Remote Deposit

Unauthorized ACH Debits - Separate Affidavits

ACH Debits - Three or Six Limit?

WSUPP Processing & Provisional Credit

Is this an EFT?

What is the Difference Between ACH & EFT?

Clarification on ACH Stop Pays & Revoking Payments

Number of NSF Presentments Allowed

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?

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

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
Braille Statements

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
Red Flags - Provide Notice of Address Discrepancy?

Red Flags � Monitoring Address Changes

Implementing the Red Flags Change of Address Verification Requirement

What should be included in address discrepancy procedures?

Mailed Returned - Block Card Access?

Customer Address on the CTR

Address in the CIP File

Change of Address - Every Account?

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
Send Adverse Action Letter to Guarantors?

Reg B � Oral Notification Documented

Pull Credit Report � Send Adverse Action

Changing the Credit Card Agreement

Adverse Action Notice � Technical Error

Commercial Loan � Adverse Action Timing

FCRA - Mailing Adverse Action Notices

Reg B - Completed Applications

How Accurate Does the Interest Rate Have to Be?

Business Loan Denial Notice

Listing Reason for Denying Loan Applications

Refinance Denied � Send Adverse Action Form?

Account Denied � Turn Down Letter Required?

Freezing an Unsecured LOC � Notice Required?

Adverse Action- File a Copy of the FCAI Disclosure

Borrower Discontinues Loan Application

Adverse Action List for the Examiner

Closing an OD Protection Line - Give 30 Day Notice

Shutting Down a Revolving LOC � Compliance Issues

Adverse Action Notice - Calendar or Business Days?

Adverse Action - Ex is Only Source of Income

Adverse Action - Separate the Reasons for Denial?

Send Two Separate Adverse Action Notices?

Call Center, Credit Scores & Adverse Action Notice

Adverse Action -What Reason Do We Give for Denial?

Joint Applicants - Separate Adverse Action Notices

Mortgage Pre-approval - Adverse Action Notice

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?

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
FDIC - TV Commercial

Radio Ads under 30 Seconds-Reg DD

The Card Act & Credit Card Advertising

Mention 1099 Misc in Ads?

New Reg Z Rules and Balloon Payment Disclosures

Mortgage Ad and Trigger Term Placement

Advertising Promo � Compliance Issues?

Disclosure required in ad when APR is stated

Website Free Advertisement

Senior Citizen Accounts

Guidance Needed on Direct Mail Ad

Commercial Loans

Stating Equal Housing Opportunity In Lieu of Logo?

Advertising Free Appraisals

Advertising Tax Credit for Home Buyers

Using APY in Radio or TV Ad

ODP Advertisement

What is a Tombstone Ad?

Non-commissioned Ad Missing "Member FDIC" Logo

Outdoor Message Center Advertising "Free Gift"

Radio Ad - Stating Interest Rates, APR & APY

Check Card Advertising

Advertise as a Free Checking Account?

Spanish Language Advertising

Advertising Non-deposit Investment Products

Loan Rate Sheets

IRA Print Advertising Disclosures

Advertising a Sweepstakes Drawing

Mortgage Coupon Book Advertising

Contact us at...

Electronic Board for Ads

Paid Statement Stuffers

Advertising No Closing Costs

Educational Materials and Ads Combined

Print Ad - Mortgage Lending Compliance

Advertising MMDAs

Debit Card Limits

EHL logo on Commercial Loans

Website Changes & Website Record Retention

Advertising Mortgage Products on a Bank Statement

Abbreviated Ad Disclosures

Marketing Via Email Blasts & Networking Sites

Advertising MMDAs

Advertising APY Instead of Annual Percentage Yield

Advertise a Tiered Rate

Advertising deposit and insurance together

Listing an APY in a link on the bank's website

Radio/TV Ads for a Tiered Rate Account

Mortgage Promotion

Advertising Exemption Under Section 230.8

Advertising Free Checking for Life

Advertise a Discounted Loan Payment

Advertising NDIP in Bank Newsletter

Advertisting Mortgage Rates in Newspaper

Advertising Non-FDIC Products at Front Window

Health Savings Account Ad

Branch Advertising

HSA Tax-Free Advertising

Recovering a Bonus for Early Closure

Advertising our Strength

New Forms of Marketing

Regulation Q - Advertising

Updating APR in Advertisements

Advertising APY

Advertising a CD Special

New Reg Z Rules and Balloon Payment Disclosures

Advertising & the APY

New Account Cash Bonus & the Toaster Rule

Format Requirement of E-Statements

Mortgage Ad and Trigger Term Placement

Banner Ad Trigger Term Placement

New Tax Deductibility Rules

APY and Billboard Ad

Tier Advertising

Sending Email Ads to Selected Brokers

Marketing Servicing Agreements

Newspaper Insert - Monthly Payment Chart Loan Rate

Home Equity Line of Credit - Open End

Advertisement for Stored Value Cards

Joint Promo with CPA

Joint Marketing Agreements

Print Materials - Minimum Font Size

Mortgage Rate Sheets

Loan Sign Advertising Compliance

New Auto -Loan - First Payment 90 days

Newspaper Commercial Loan Advertising

Potential Customer Letter

Advertisement for Stored Value Cards

New Branch Grand Opening

State the Rate or Just the APR?

Statement Considered an Advertisement?

Mortgage Broker - EH Logo

Marketing Button - Indoor Signage?

Setting up a Blog or a Facebook Page

Non-bank Verbal Cross-sell

Green Financial Services Marketing: Leading the Way to Eco Friendly Business Practice

Weblink to OREO

OREO Advertising

CD Advertisement

Bonus on Account - Disclosure for 1099?

In Branch Advertising

Advertising Increased Insurance

Kids Savings Programs

Check Card Contest

Advertising - Loan Amount & Calculating APRs

National Bank Permitted to Sponsor/Hold a Raffle?

Reg DD Advertising "limited time offer"

Loan APR Discount

Educational Materials and Ads Combined

HELOC Outside Banner

Advertising FDIC Insured Money Market Accounts

Advertising Material Record Retention

Ads, Credit Cards, and Illegal Lotteries

Check Card Contest

Brochure Disclosures

Advertising CD APY Rates & Reg DD

FDIC and Loan Ad

Website Screen Record Retention

Financing provided by...

Required/Optional, Member FDIC

Online Banking Deactivation

Offering High Rate Savings Account in Affluent Area

Credit Card Phone Apps & Schumer Box Disclosures

Translating FDIC Disclosures

Mention Loan in Ad and Trigger Equal Housing Logo?

Website - FDIC Logo

Advertising Non-FDIC Insured Products on Website

"Member FDIC" Statement

Reg Z Advertising Penalties

Loan Rate in Advertisement

A Raffle with Restrictions

Advertising Tax Benefit

Advertising a Car Dealership on Our Website

Additional Terms Triggered by the Word Bonus?

Trigger Terms on Rehab Loans

Changing Deposit Account Terms

Using Currency in our Ad

Totally Free Business Checking

In-house Lobby Flyers - Disclosures Required?

Web Site Compliance & Disclosures

Ask About our Accounts & Enter to Win a Trip

Restrictions May Apply

Disclosing Loan Rate as Prime

Sponsoring a Radio Ad - Member FDIC Required?

Radio Ad and Tiered Rate Account

EHL Doghouse Logo

Loan Message on Statement � EH Logo Required?

Blended APY on Rate Board/Lobby Sign

Monitoring Personal Lines of Credit

Ignored by Bank Personnel? We'll Give You $20

Solicitation Letter, APR, and Disclosures

Bank Flyers at Dealership & RESPA Referral Fees

Using Banker Photos in Marketing Campaign

Flyers Advertising Mtg Rates � Do�s & Don�ts

Tier Advertising

Advertising with a Realtor

Read Board Advertising

Joint Advertising

Colorful New Words

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

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

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

Advertising Questions

Illegal Third Party Inducement?

Hidden Trigger Term?

Prize Drawing limitation

Event Sponsorship

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?

Check Card Contest

Mortgage Advertising - Which Logo Do We Use?

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

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

Direct Deposit/Minimum Balance Required

Website Banner Advertisement

Free Account - Some Restrictions Apply

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

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

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

Keeping Copies of Advertising

Graphic Standards for EHL Logos

Advertising on a Customer Web Site

"Lobbying" For New Business
"No-Frills" Account
Seniors Increasingly Using Online Banking
Advertising APY Of Tiered Deposit Product

Posting Base/Prime Rate in Lobby

Size of Equal Housing Logo In Ad

HELOC Rules & Advertising "Variable Rate Tied To Prime Rate"

Gauging Sales and Service: There is Help out There

Trust & Investment Products In The Same Ad

Advertising APR

Electronic Marketing Info Source
Proven Ways To Improve Your Bank�s Sales Culture In 30 Days!
Using The Word "Free" In Advertising
Why Do We Care About Unfair?
Displaying Loan Rates & Web Site Compliance

Multiple Products, One Ad, & Disclosures

Helping Welfare Recipients Help Themselves
Fighting School Violence
Online Partnerships For Community Banks
Employee Badges & Fair Lender Logo
Raffle Compliance

Advertising Checklist
Are Privacy and Effective Marketing Mutually Exclusive?

Equal Housing Logo Requirements

Community Bank Advertising Plans

Efficiently Marketing Your Regional Branches

Solicitation Letter, APR, and Disclosures

Get A Loan, Get a Chance to Win

Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs

Old, Moldy, and Out of Compliance
Clarification on the EHL Doghouse Logo
Advertising Equal Housing
Using The FDIC Logo When Marketing Your Wealth Management Products

Targeted Marketing Campaigns

Marketing In The Aisles: In-Store Branch Compliance

Reg Z Advertising Disclosure Rules For In-Branch Posters

Identifying Branch Bank Name When Different From Bank Charter Name In Advertising

Discrimination & Using People In Advertising

Overdrafts, Reg Z & Advertising

Reg Z & Interior Billboard Promotion Requirements

Advertising NDIP On Outdoor Signs

Readability Standards For "Clear and Conspicuous" Display

FDIC Statement in Ads

Scrolling Electronic Signs and the Equal Housing Lender Logo

Online Annual Reports and the FDIC Logo

Affidavit
Is Affidavit Sufficient Reason for Bank to Act?

Forged Endorsement � Course of Action?

Time Frame to File an Affidavit on Forged Items

Signing an Affidavit for a Lost Cashier's Check

Someone "Stole" the Funds on this Cashier's Check

Are We Responsible for "Buyer's Remorse"?

Joint Payees & Forged Endorsements
Charging For Affidavit for Unauthorized ACH

Reimbursement of Forged Checks

Forged Checks Affidavit

Midnight Deadline and Counterfeits

Customer Involvement in Forgery Scam

Stolen Check & Forged Endorsement

Forged Checks, Forgery Affidavits, and the FED
FTC Issues New Standard ID Theft Affidavit
Using Maiden Name On Loan Documents

Unauthorized ATM Activity: Is a Notarized Affidavit Required?

Sample Affidavit of Sole Proprietorship

Affidavit of Heirship Disbursement Limits

Affiliated Business Arrangement
Real Estate Transaction Fees

Pay Bank Employees for Mortgage Loan Referrals

Gifts to Top Loan Customers

Loan Officer is a Realtor - A RESPA Issue?

Affiliate Marketing Rules

Privacy - Is Vendor an Affiliate?

Consumer's Right to Choose

Adverse Action Letter Retention

Adverse Action - State Loan Amount on the Notice?

AFBD Required for Director?

Affiliated Business Arrangement

Disclosing Relationships with Bank's Providers

FACTA Confusion - Sharing Information w/Affiliates

Paying Fees to Employees of an Affiliate

FACT Act - Sharing Information with Affiliates

Related Law Firm and Mortgage Company

RESPA arrangement definition
Telephone mortgage applications and the Affiliate Business Arrangement notice
Broker Referral Fees
Paying a "Finders Fee" to Affiliated Broker

Affiliated Business Disclosure Situation

Bank-Owned Title Company & RESPA

Affiliated Business Arrangement, Non-Referral, and Disclosure

Affirmative Action
Affirmative Action Plans for Banks
Human Resources Department Checklist
Human Resource Headlines: The Good, The Bad and the Ugly
Affirmative Action Concerns for Growing Institutions
How to Make A Difference

ALLL
FFIEC ALLL

Alteration
Money Orders Purchased with Altered Check

Time Frame to Return Altered Item

Be More Proactive about Fraud Detection

Cashing Altered Checks

Old Altered Check Problem

Handling an Altered Money Order

Altered Check: Who Pays?
W/O Entry Return of Altered Payee Check

Return Time: Altered Vs. Counterfeit Checks

Altered vs. Counterfeit Item
Limitations on Check Alteration Claim

Anti-Money Laundering
see Money Laundering
see Bank Secrecy Act/BSA
see CIP

Anti-Tying
Anti-Tying Requirements Defined

Applications
When is an Application an Application?

HMDA - Loan Prequalification

HMDA - Multi-use Property Concepts

No Property Identified � Disclosures Apply?

Reg B � Oral Notification Documented

Reason for Denying Loan

Online Mortgage Application Questions

Withdrawn/Denied Commercial Loan Applications

Intent to Apply for Joint Credit - Effective Date

Refinance/Additional Money - New App Required?

Mobile Home Loan - Fed Credit App Disclosure

Does Permanent Phase of Loan Mean New Application?

Loan to a Corporation � Correct Application Form

Application Procedures

Requesting Tax Returns at Time of Application

Online Loan Applications

New Application Required?

Credit Score Notice Timing

Disclose Each Time a Credit Report is Pulled?

Early Disclosures on Mortgage Preapprovals

New Reg Z Requirements � Disclosure Dilemma

New Timing of TIL

Amount Borrowed Changes � Redisclose?

New Reg Z Rules - What is an Application?

New Reg Z � Timing of Early TIL Disclosures

The Higher Education Opportunity Act (HEOA)

Commercial Loan � Adverse Action Timing

Reg B - Business Loan Credit Decision Timing

Credit Report & Flood Determination Fees

Mortgage Reforms

FCRA - Mailing Adverse Action Notices

HMDA, GMI & Loans to Business Entities

Collect GMI on a HELOC?

Phone Loan Application

Reg B � Listing Order of Applicants

The Equal Credit Opportunity Act

Reg B - Completed Applications

Government Monitoring - Absent Joint Applicant

Business Loan Denial Notice

Second Review for Denied Applications

Applicants, Co-signers - Loan Denials & Approvals

HMDA � Race Selection Quandary

Disclosures Within Three Days of Credit Report

Mortgage App and E-SIGN

Listing Reason for Denying Loan Applications

Web Application Privacy Notice

Reg B � Joint Credit & Cosigners

Signer Pledging Interest - Appraisal Notice Given?

Mortgage/ARMs on the Web

Reg B Intent to Apply Jointly � Phone Application

Reg Z - Website Disclosures

Refinance Denied � Send Adverse Action Form?

Creditor Challenges with Small-business Fraud

Resubmit Disclosures in Surviving Spouse's Name?

Differences Between Business Fraud and Consumer Fraud

Challenges in Identifying Small-business Fraud

Guidance Needed on TIL Disclosures

Address Discrepancy Credit Report

Protect Against Small Business Fraud

Credit Report � Signature Required on Phone Apps?

HMDA Reporting � Loan Secured by Lien on Dwelling

Underwriting Fee Charge

Fair Lending - Income Verification

HMDA Log - Order Information is Entered

Question the Purpose of the Loan?

Car Dealer Indirect Loans � Application Process

Sub-Prime Bankcard Issuers and Never Payment

ATM/Debit Card Applications Retention

Adverse Action- File a Copy of the FCAI Disclosure

Business Purpose Statement Form

Co-Borrower Added - Provide New Early Disclosures?

Internet Based Loan Applications

Co-Signer Required to Sign the Notice?

Borrower Discontinues Loan Application

Business Purpose Statement

FACTA Verification - Fraud Alert on Credit Bureau

Flood Insurance Rules & Commercial Condos

Delay Disclosures Until Completed Application?

CRA LAR � Coding Group Homes

Update Existing & Merged Customer CIP Information

Reg B & Business Loans

No Customer Response - Send Another Action Notice?

FDIC Ruling Applicable to Commercial Loans?

Fair Housing - Disclose Assets/Net Worth

App Withdrawn/Denied - Collecting an Appraisal Fee

Adverse Action - Separate the Reasons for Denial?

Phone Apps & Collecting Government Monitoring Data

Reg B, HMDA & Pre-Approval Letters

Retention of Declined Online Credit Applications

Debit Card Retention

Are We Required to Get Marital Status on Loan App?

Federal Credit Application Insurance Disclosure

Reg B - Separate Apps for Joint Borrowers?

Send Two Separate Adverse Action Notices?

Disclsosures for a Complete App with a Property

Federal Credit Application Insurance Disclosure

Credit Card Phone Apps & Schumer Box Disclosures

Notice to Home Loan Applicant Required?

Maximum Number of Reasons for Declining a Loan

Providing Loan Disclosures - Maximum Time Allowed

Manual Underwrite Recommendations

We Don't Do HMDA Reporting - Do We Collect Info?

Spouse Not on the Loan - Collecting Spousal Info

Adverse Action -What Reason Do We Give for Denial?

Reg B - Father & Son Joint Applicants

Clarification Needed for Prequalifications

Dating the Application

Taking Phone Loan Applications - Compliance Issues

Separate Loan Apps for Unmarried Co-borrowers?

Reg B Form Signed on Commercial Credits?

Offering E-Deposits - Compliance Issues?

Reg B Form Signed on Commercial Credits?

Denied Loans Exempt from Early TILA?

Joint Applicants - Separate Adverse Action Notices

Restrictions May Apply

Denying Credit Based on Non-Citizenship

Mitigating Mortgage Fraud: Application and Other Misrepresentations

Mortgage Pre-approval - Adverse Action Notice

Web-Based Lending

Appraisal Requirements in the Construction Phase

Web Application

Applications Online

Is a Downloaded App Electronic

Collecting GMI on Loans Not Reported on HMDA LAR

Reg B - Application Signed With a "Courtesy Title"

Mortgage Application Fee

Reporting on an Application Withdrawn/Closed Loan

Send FCRA Adverse Notice to Individual & Company?

Credit Card Reapplication Denied - Adverse Action?

The Auto Dealer, the Lender & the Credit Report

Deceased Applicant - HMDA Reporting?

Consumer Loan and Cosigner Procedures

HMDA Data - Phone, Internet or Mail Applicants

Reg B - Which Form Do We Use?

CSDS Provided Prior to Closing?

Definition of a Complete Application

Co-signer Added � Joint Application Created?

Send Loan Denials to Applicant & Guarantor?

Home Equity Application

Reg B - Dual Signatures

Must GMI be in Customer's Handwriting?

EH Logo Required on Forms in Application Package?

Reg B - Unmarried Couple Borrowing Jointly

Application Denied - RESPA Disclosures Given?

FCRA Notice-Loan Denied Due to Low Appraised Value

Obtaining a Credit Report - Signed App Required?

Fair Housing Poster on Bank Website

Application Withdrawn - Notice of Action Taken

Application Denied - Disclosure in File

HMDA Reporting - Reverse Mortgages

Contacting the Applicant

Loan Denied to Illegal Alien - Adverse Action?

Online Banking Application Retention

Notice to Home Loan Applicant Disclosure

RESPA - Broker's Disclosures

Online Loan Inquiry

Credit Report - Statement of Denial

Application Withdrawn if Documents are Signed?

Online Application Disclosures

Home Equity Application Requirements

Reg B Loans - Retirement Contributions as Income

We Don't Report HELOC's Under HMDA, However...

Personal Loan Guarantor

Web Applications and Compliance Resources

Credit Life Financed on Home Loan, GMI Required?

Co-Signer/Guarantor Notice after Denial

Trigger Date for Phone Application Disclosures

Reg B - Intent to Apply for Joint Credit

Is a HI Loan Secured by Auto HMDA Reportable?

HMDA Classification - Log Home

Loan Officer Signing Phone/Mail Applications

RESPA Verbiage on Servicing Disclosures

Reg Z: Redisclose Prior to Consummation or Earlier?

HMDA - Interpretation of the Pre-approval Program

FACTA Confusion - Sharing Information w/Affiliates

Retention for Processing Credit Card Applications

FACT Act - Forms, Timing of Notices & Disclosures

Unsigned Commercial Loan Application

88 Year Old Applying for a 30 Year Mortgage

Sending Out a Commitment Letter

Submission of Information Package an Application?

Joint Intent Needed on Corporate Application?

No Loans to Non-US Citizens, Disparate Treatment?

Forwarding Declined Loan Applications to Mortgage Company

15 Year Historical Rate Index Table & the APR

Initial Application Date for HMDA Purposes

Incomplete HMDA Applicant Info - Contacting Broker

Declining a Joint Application

Compliance Requirements for Lenders to Consider?

Another Multiple Properties Question

Mortgage Applicants Causing Non-compliance?

Is New Application Required for RE Modification?

Another Joint Application Question

Application Date for Prequalified Applicant

Can It Be Either/Or?

No Response from Borrower to Counteroffer

Applications, Credit Reports and FCRA Disclosures (PDF)

Lending Referrals
Credit Scoring and Regulation B
Calling for Back-up, Examiner is Challenging Bank

Whens & Whats of Written Preapproval Program

Collecting GMI From Non-occupant Co-applicant

Preapprovals and Changes of Mind

Investor Asking Us to Refund to Borrower

Mortgage Technologies Elevate Processes and Profits
Denying Business Credit: Written or Oral Notice?
Applications "Closed for Incompleteness"

Minister Purchases Houses to Renovate and Sell

Three Days Starting From When?

Is This Application Withdrawn, Incomplete, Or ???

Wording on Adverse Action Notice

RESPA GFE For Incomplete Application?

When Do I Go on the Notice of Action Taken Clock?

Do We Now Need Business Loan Applications?

Bare-bones Application

Regulation B: The Signature Conundrum
Charging a Fee to Cover the Cost of Credit Reports

FACTA - Financing to Construct Primary Residence

RESPA Disclosures on Saturday

Asking About Life Insurance

Examples of When An Adverse Action Is Needed

Application & Tax Return Conflict, Triggering SAR?

Checking Applicants and Signatures
No Property Identified -- Is the Application Valid

Do We Need an Application for This Loan?

HMDA With More Than Two Applicants

HMDA Preapproval Question

Who Gets the Notice of Right to Copy of Appraisal?

Is Free Checking for 50 & Older an ECOA Violation?

Reg B Application Requirements
Joint Applications/Loans Sold on Secondary Market

Credit Score Disclosure to Primary Applicants Only

Form 1003 -- Residential Loans Only?

Combining an Application with a Signature Card

HMDA Reporting on an Unreturned Loan Application

AA on Loan Application - 2 SARs Filed on Customer

Customers Faxing Applications with SSN on Them

Website Security Measures for Online Applications

When is a Web Application an Application?

Faxed Mortgage Loan Application

Incomplete Automated Applications and HMDA

Loan Denial Notice
FCRA Guidance Needed on Score Disclosures

Regulation B: The More It Changes, The More It Stays The Same
Retention of Declined Debit Card Applications

Account Disclosures/ Upon Application Via Internet

Offer $5 to Applicants of Personal Line of Credit

Joint Applications -- Special Procedures?

Application Fees, Credit Reports, and Disclosure
Conflicting GMI Checkoffs on Applications

HMDA -- Recording a Withdrawn Application

Mortgage Application OK for HELOC?

Selecting Reasons for Declining Loans
Are Internet Applications Like Mail Applications

Timing of Insurance Disclosures

Collecting Government Monitoring Information

Loan Denials for Third Party Applications

Credit Bureau Reports Without Written Permission

Disclosures at Application

"Joint Credit" Acknowledgments on FS Updates

Permissible Purpose to Access Credit Reports

When Is This An Application

When to Disclose a Right to Appraisal Notice

Providing a Notice of Right to Receive Appraisal

Joint Credit Notice on Mortgage Applications

Notice for Withdrawn Applications

Required Info on Credit Applications

Time to Complete an Incomplete Application

Prequals Under HMDA

Does a Fax Equal a Phone Call?

GMI Reporting Issues for Branch Applications

Industry Standard for Documenting Joint Apps

RESPA Disclosures Given BEFORE Application

Withdrawn Mortgage Applications & Disclosures
Loan Applications & OFAC
Counteroffers and Denials on Dealer Apps

Car Dealership Pulling Credit Report

Denials, Withdrawals, or Incomplete Applications
Disclosures Timing on Phone and Mail

HMDA Data Collection for 2003
Early TIL for "To Be Determined" Purchase

Adding a Question to Equity Line Credit Application

Applications by Phone - Information Collection

Declined Applications & RESPA Disclosures

Inadvertent Monitoring Information Collection
Reg B Changes Roundup
Telephone Mortgage Applications & Required Early Disclosures

Using Maiden Name On Loan Documents

Guessing For HMDA Info on Phone Applications?

Reactivating a Loan File as a Result of a New Application
Preliminary Mortgage Disclosures: Should we Send Them on Submission or Completion of the Application?

Collecting Monitoring Information During Phone Applications

Is it Acceptable to use Community Property Income to Qualify an Applicant if the Applicant is Applying for Separate Credit?

Can Web Applicants Receive Web Adverse Action Notices?

Using One Application for Checking, Savings, Cash Accounts & Loans

Using an Interpreter to Take a Loan Application

Handling Repetitive Applicants

Application vs. Prequalification

Appraisal
Old House & the Dirt - Appraisal Notice Required?

Disclosing the Appraisal on the HUD

Appraisal Change � Counteroffer Letter Required?

Third Party Vendor Real Estate Evaluations

Advertising Free Appraisals

HVCC Info � Which Reg?

Supervisory LTV Limits Reporting

New Appraisal Required?

Commercial Loan - Appraisal Notice Required?

Agricultural Loan - Appraisal Notice Disclosure

Appraisal Rules

Confirmation the Appraisal Notice was Provided

HMDA � Loan Coded as Business/Residence Combo

Signer Pledging Interest - Appraisal Notice Given?

Appraisal Review Fee

Independent Appraisal � Notice Still Applicable?

Provide Copy of Appraisal on Commercial RE Loans?

Tainted Appraisal?

Update Original Reports & Use the Same Appraiser?

Appraisers & the GFE

App Withdrawn/Denied - Collecting an Appraisal Fee

Reg B - Bulk Home Builders & Apartment Developers

Reg Y - Foregoing the FIRREA Appraisal

Examiner Verification of RCV on Comm Property

Use of Evaluations in Lieu of Appraisal

Compliance with the Appraisal Regulations

Certified Real Estate Appraisal Required?

Appraisal Requirements in the Construction Phase

Independent Underwriter Appraisal Review

Review Appraisal - FIRREA Violation?

Drive-by Appraisal

In-house Appraisal Based on a Tax Assessment

Flood Insurance Coverage - No Appraisal

Reg B Appraisal Requirement - Construction Loans

Appraisal Fee Reimbursement

Treatment of Appraisal Fee on GFE and HUD-1

Appraisal Fee Disclosure

State Certified Appraisal Required?

Loan Officers Prohibited from Ordering Appraisals?

Customer Didn't Pay for Appraisal, Notice Required?

Does Reg B Require Free Appraisals?

Appraisal & Flood on a Residential Lot

Commercial Loans & Right to Receive Copy of Appraisal

Charging a Fee. How Do We Update the GFE?

In Search of an Appraisal Check List Form

Appraisal Notices on Commercial Loans

Ordering the Phase I

Appraisals (PDF)

Notice Given Only on Denied Loans?

Calling for Back-up, Examiner is Challenging Bank

No charge, No Delivery of Appraisal?

How is This Coded for HMDA?

Notifying the Customer if the Bank Charges for an Appraisal Report

Appraisal Rights Notice

Who Gets the Notice of Right to Copy of Appraisal?

Notice of Right to Receive an Appraisal

Timing of Appraisal Notice on HELOCs

Will Appraisal Picture in File Cause Problem?

Right to Appraisal Notice

Notice Timing for Appraisals

Business Loans and Disclosures

When to Disclose a Right to Appraisal Notice

Necessity of new appraisal
Guru Chatter on Appraisals (PDF)
Documenting Receipt of Copy of Appraisal

Disclosures on HELOC to Purchase Home

Second Loan Based on Appraisal of First Loan

Is Appraisal by Certified Appraiser Required?

Appraisal Fees on Construction Loans

Commercial Loans: Customer Copy of Appraisal Required?
Prepaid Finance Charges: Appraisal Review and Environmental Report Fees?

Appraisal Threshold Trigger

Appraisal Copies & Reg B

Prior Appraisals & RESPA

Charging a Fee For Appraisals (But Only If The Customer Wants A Copy)

Reg B Appraisal Notice Requirements

Reg B Requirements: Appraisal Reports

Appraisal Right Notice on a Commercial Loan

Sallee v. Fort Knox National Bank
Using an Outdated Appraisal

Mortgage Loans, Credit & Appraisal Costs, and Application Fees

APR/APY
Disclosure required in ad when APR is stated

HPML � APR Lock In Date

New Reg Z � APR Change Tolerance?

Does a Closing Fee Affect the APR?

Loan Extension Fee

Fee Change � Additional Disclosures & Wait Period?

Loan Amount Changed � Redisclose?

MDIA � APR & the Word 'Varies'

Reg Z – Overdisclosure?

Using APY in Radio or TV Ad

Real Estate Admin Fee

MDIA � New Set of Disclosures

Final TIL � Indicate Correct Interim Interest?

Accuracy of Interest Rate on Webpage

Existing HELOC Promotion

New Reg Z Requirements � Disclosure Dilemma

New Timing of TIL

Amount Borrowed Changes � Redisclose?

Mortgage Loans Fees & the APR

APR - Prepaid Finance Charges & Closing Costs

Changes and Proposed Amendments to Reg Z

New Reg Z � Redisclosure Required?

Reg Z Revised Early Disclosure Rules

Dollar Amount Tolerance on Interest Payment

Advertising APY Instead of Annual Percentage Yield

Advertise a Tiered Rate

Listing an APY in a link on the bank's website

Increasing the Floor on HELOC Agreements

ARM Loan Guidelines on Second Residence

Radio/TV Ads for a Tiered Rate Account

How Accurate Does the Interest Rate Have to Be?

Point & Fee Test or APR Test?

Advertisting Mortgage Rates in Newspaper

Real Estate Transaction Fees

Updating APR in Advertisements

Advertising APY

Reg Z Reimbursement Procedures

Advertising & the APY

APY and Billboard Ad

Tier Advertising

HOEPA - Minimum Loan Amount Reporting

a Loan Sign Advertising Compliance

New Auto -Loan - First Payment 90 days

Higher Deposit Rate for Wealthy Neighborhood

State the Rate or Just the APR?

Non-bank Verbal Cross-sell

SCRA � Is 6% the Interest Rate or the APR?

CD Advertisement

In Branch Advertising

Advertising - Loan Amount & Calculating APRs

Tiered Rate Checking Account APY Disclosures

Statement Stuffer Loan Ad � APR Disclosures

Reg DD Advertising "limited time offer"

Loan APR Discount

HELOC Outside Banner

Advertising CD APY Rates & Reg DD

Seller Paying Fees Due at Closing

Tolerance for an Understated APR Violation

Loan Rate in Advertisement

Tax Holding Fee - Part of the APR?

Restrictions May Apply

Disclosing Loan Rate as Prime

Newspaper Loan Closing Coupon - APR & Disclosures

Radio Ad and Tiered Rate Account

Blended APY on Rate Board/Lobby Sign

Solicitation Letter, APR, and Disclosures

Tier Advertising

Regulation Z - Phone Inquiries

Read Board Advertising

HOEPA Rate Spread Amounts

Lowering Rates on Existing Mortgages - Redisclose

CD Rate Oral Inquiries - Quote APY First?

Final TIL - PMI Tax Included?

Website Banner Advertising - One Click Rule

Radio Advertising Disclosures

Compounded CD - APY Disclosure

ARM Disclosures - Treasury Index Figure

Required Deposit Statement on the TIL

HOEPA - Pipeline Loans

Reg DD - Bonus Offered on a Non-Interest Account

Blended Rate Disclosure

CD Renewal - New Disclosures Required?

Reg DD & Introductory Rate

Trigger Term Lapel Pins?

Tiered MMA Advertising

Fed Ex Fee Part of the Finance Charge?

Advertising a Stepped-Rate CD

Quoting APRs on ARM Guidelines

Construction Loan Survey Fee

APY Disclosure of Promo Bonus

Flood Certification Fee Split

APR Rate Impacted by VSI Fee?

Time Deposit Advertising Disclosures

Annual Percentage Yield Stated in CD Radio Ad

Quoting CD Rates Over the Phone or in Person

Calculate the Survey Fee as an APR Fee?

CD Promo Proposal

HELOC TIL Reimbursable Violation?

Thirty Second Ad vs. Sixty Second Ad

Formula for Calculating the APR

Reg DD Compliance - Interest Payment

APY vs Annual Percentage Rate

Rate Sheet for Realtors

10% Fee on Every Draw from a HELOC

Calculating Mortgage APR for Advertising

Advertising Deposit Rates

Calculating Mortgage APR for Advertising

Include Discount Points in the APR?

APR Disclosure on Construction/Permanent Loans

Annual Percentage Yield - Used First

APRs Quoted Over the Phone

Passing Surcharge to Borrower - Part of the APR?

APY Calculations

Bonus Gift Card

Stating Interest Rate & APY in Monthly Statements

Advertising a CD APY on Scrolling Reader Boards

When Must APR be Disclosed

Reg Z: Redisclose Prior to Consummation or Earlier?

Readability Standards For "Clear and Conspicuous" Display

Do We Need to Re-disclose?

Charging an Administrative Fee on a Consumer Loan

TISA New Account Disclosure Error

Correct Verbiage for Consumer Loans on Website

Advertising APY Of Tiered Deposit Product

Reg DD Products - Minimum Dollar Amount Stated

Negative Discount Points

Puzzled by the OCC's Handy Chart

Advertising APR

Size of Print on a Promissory Note

Attorney Creating a HUD-1 on Non-consumer Loans

15 year Historical Rate Index Table & the APR

Irregular Transaction a Variable Rate Loan?

Article 9
Securing Debt Payment

New Security Agreement Required?

Article 9 - Reversing Unauthorized Terminations

RA9: Which UCC Forms to Use to Continue Filing?

Handling A UCC Release

Complying With Revised Article 9
Revised Article 9: What About Existing Filings?

Revised Article 9 Resource Center
Revised Article 9 Contradictions?

Continuation: Clarification on the Filing Requirements

Article 9 Quiz
Continuation Statements and the New Article 9

Arbitration
Conflicts, Problems Could Be Helped with Solutions from Mediation Work
September 11 Doesn't Justify Discrimination Against Muslims, Arabs, Others
Non-party Can Force Arbitration on Agency Theory
To Arbitrate, or not to Arbitrate?

ARM
Secondary Residence � ARM Disclosure

HPMLs & Balloon Payments

HPMLs & Quarterly Adjustable Rates

HPML � ARMs Booked Prior to 10/01/09

Higher Priced Mortgages - Section 35 Requirements

HPML � Calculating Repayment Ability

Redisclose Improperly Disclosed Loan?

ARM Loan Guidelines on Second Residence

Blanket Early ARM Disclosure

ARM Loan - No Adjustment Schedule

Premium Disclosure

Mortgage/ARMs on the Web

ARM Disclosure - Table Not Required?

Commercial Loan ARMs?

Educational Materials and Ads Combined

Rate History Disclosure

ARM Product Disclosures

ARM Loan TIL Disclosure

HELOCs & ARM Disclosures

ARM Disclosures - Treasury Index Figure

ARM Disclosures Matching Loan Term

HOEPA Worksheet Completion

Info Needed on Adjustable Rate HELOCs

Floor and Ceiling Rate Disclosures

Reg Z - Disclosing a Payment Schedule

Graduated Payment or Variable Rate Ad?

Modifying an ARM

Rate Change Notices on All Loan Types?

Mortgage Applicants Causing Non-compliance?

Looking For ARM Disclosures

Reg Z, Rescission and More (PDF)

Are ARM "Caps" Required?

Refinancing a HELOC as an ARM

Consumer Loan Billing

Regulation Z: Checking APRs
Will This Be an ARM Loan?

When is a Web Application an Application?

Actions when Balloon Note Matures

Faxed Mortgage Loan Application

Separate ARM Disclosures Tiered Pricing?

Variable Rate Construction Loan

Early Disclosure Wrong, Closing Correct, What Now

Must We Have a Rate "Cap" on This Loan?

Acceptable Margin of Error in TIL Disclosure

Help on ARM Disclosures

ARM Disclosures by a Broker

Delivery of ARM Disclosures

Developing New Disclosures
ARM Rate Disclosure Rules

Advertising a Mortgage Loan

Electronic Advertising
ARMs & Rate Spreads

Graduated Payment or Variable Rate Ad

Timing of CHARM Disclosure

Construction Loan Term Limits

10-Year ARM Disclosures

ARM Disclosure Update Date

Signatures on ARM Disclosures

Calculating APR and Payment Stream

No Demand Or Discount - No Disclosure

Variable Rates on Consumer Construction

Disclosures: Single Acknowledgement Form or Individually Signed Disclosures?

Can We Use a Single "Disclosure Acknowlegement" For All Lending Disclosures?

Calculation of APRs on ARMs

ARM (LIBOR) Interest-only Loan Calculation

Can We Convert Balloons to ARMs Prior to Maturity?

Early TIL Disclosures & ARM Loans
What Types of Variable Rate Real Estate Loans are Exempt From ARM Disclosures?

Disclosing Payment Schedules on an ARM Loan

ATM
ATM Hold � Overdraft & Return Check Fees

Date of Opt-in Fee Waiver

Reg E Changes � Charging a Return Item Fee

New Overdraft Rule Confusion

Reg E Overdraft Changes - Early Compliance

No OD Program - Opt-out all Customers?

Reg E � Handling Consecutive OD Fees

No Courtesy OD Program � Reg E Changes Applicable?

Three Reg E Overdraft Webinar Questions

Reg DD - ATM Balances Including ODP Amounts

Reg DD - Opt-in & Opt-out Requirements

Exception to New Reg E OD Fee Ban?

Posting ATM Disclosures

Opt–out of overdrafts by check, ACH, etc.

ATM - Foreign Exchange Rate

ATM Funds Availability Signage for Funds Transfer?

Deposits Not Accepted at ATMS � Post Signage?

The ATM in Spain

ATM Cash Withdrawal Limit

ATMs, Online Banking or a Live Teller

ATM Deposit Regulations

Debit Card Limits

ATM Notice Removed

ATM Non-customer Fee Disclosure

SARs and Robbery

ATM Disclosures

Changing from ATM Cards to Debit Cards

Waiver of ATM Fees

FDIC Official Advertising Statement

Unauthorized ATM PIN Based Transaction

State Unemployment Debit Cards

Reg E Explanations Needed

Reg E � Definition of Point of Sale Transaction

Foreign Bank Client - Claim Against Bank

ATM Withdrawals - Authorization Previously Allowed

ATM � Disputing an Unauthorized Use Claim

Unauthorized Card Use By Spouse

ATM/Debit Card Applications Retention

Reg E Claim Time Frame

Destruction of Card Verbiage

ATM Deposits � Next Day Availability?

Protecting Your Customers from ATM Card Fraud

Wireless Wallets

ATM Withdrawal - NSF Fee

ATM Withdrawal Triggers CTR Filing?

Stolen Debit Card - Customer Liable for the $50?

ATM Presentment & Processing

Wireless Wallets

Reg E Error Resolution - Unauthorized ATM withdrawals

Are My Transactions "Suspicious Activity"?

ATM Deposits - Weekly Balancing

Unauthorized Charges - Visa Zero Liability

Privately Owned ATM an MSB?

Providing TISA Disclosures for Account Services

ATM Lighting Court Cases?

Debit Cards for Accounts Requiring Two Signatures

Tailoring Customer Marketing in Real Time

Foreign ATMs - 1099 Reporting

ATM Surcharge Fee Refunds - Tax Reporting

Expired Debit Card - Stolen & Used

Reg E Foreign ATM dispute

Merchant Capture Device - Reg D Transaction Limits

ATM Owner - Bad Cash Practices

Servicing Drive Up ATMs

Stolen Debit Card - Refunding Foreign ATM Fees

Reg E Claim Denied on Friendly Fraud?

ATM Lighting - Subdivision (3)

Foreign ATM Reg E Claim

OD Program - Disclosures and Notices

Unauthorized Use of Prisoner's ATM Card

EFT Claim - How Could this be Valid?

Debit/ATM Card for a Minor

Changing the Game: Transactional Kiosks give Credit Unions Greater Market Presence with Full-service Remote Access Points

Exclusions from FFIEC Guidance

Recourse for Unauthorized ATM Withdrawals

Captured Debit Card

Debit Cards and Multi-factor Authentication

ATM Foreign Currency Conversion Fee

Regulation Regarding Receipt of Deposit By Email

Missing Indorsement on ATM Deposits

Debit Card Disclosures

ATM Camera Requirements

ATM Dispute Claim

Reg E and the Intoxicated Customer

Win Cash at the ATM

Reg E Claim Denied - Re-evaluated for Bank Officer

Surcharging Intl Transactions

ATM Withdrawals - Limited or Not?

Can we Issue Debit Cards on Savings?

ODP Balance on Network ATMs

Reg E- Customer Claims Foreign ATM Kept the Cash

Increasing Surcharges on ATMs

Signed Access Device Request

Disclosing Overdraft Balances on ATMs

Helping Customer Resolve Stolen ATM Card Issue

Is OD Privilege Signage Required on ATMs?

Reg E & Possible Customer Negligence

Member FDIC Required on ATM Billboard Ad?

Overdraft Payment Programs and Reg DD

Debit Card Fraud - Refunding Customer's Money

Self-Service Technology: Credit Unions and Banks Focus on Different Self-Service Needs

Rules for Customers to Obtain Payroll Cards

Customer's Negligence Voids Zero Liability?

Foreign ATM Usage on Free Checking Account

Prior Notice on Blocking Access to Debit/ATM Card

ATM Privacy Notice
Paper or Plastic?
Community Banks Can Offer Fee-free ATMS
Is Customer Responsible if PIN is on the Card?

Handy PIN
Deterring "Smash and Grabs"
New Jersey Bill Would Mandate ATM Panic Buttons
Bad Aim
ATM, POS & "Checkless Account" Disclosures

Unauthorized ATM Withdrawals in a Foreign Country

Check Cashing at the Machine
One More Way
Disclosures for Charging Foreign ATM Fees

Teller-assist Kiosks vs. ATMs- The Differences
Converted ATMs
Customer Negligence and Reg E

ATM Check Imaging: An Alternative Approach

Fighting Back With Education
How Do I Handle Bill-pay Traffic?

CTR on Same Day $10K Cash Out & ATM Transactions?

Difference Between POS and Debit Card Transaction

Picking Up and Processing ATM Deposits
Missing Indorsement on ATM Deposits

ATMs Not Too Secure
Increasing Cell Phone Value at ATMs
Regulation Regarding Receipt of Deposit By Email

Deposits into ATM
Imaging Could Increase ATM Deposit Popularity
Refurbished Machines Available with Triple DES
Bill Payment Fee Disclosure

Giving a Conservator an ATM Card
Invisible Ink Spray
Three Identity Protection Ideas
Why not Overdraft Privilege?

Documenting ATM Deposits

Customer Gives Up Card Data in Scam

Are Kiosk Savings Transactions Limited?

Banking on the Kiosk
Checklist for a Successful Kiosk Deployment
Major Payroll Company Offering Cards
Stopping debit transactions on closed accounts
ATM Lighting Standards for Multi-state Bank

Handy PIN
Reclassifying Savings with EFT Access

Notice of Captured ATM Cards

States Looking at ATM Emergency Bills
Out With the ATM Card, In With the Debit Card

Frequency of Balancing ATM Cash

Encouraging Debit Card Use in Pakistan

Exempt or SAR this Commercial Customer?

States Looking at ATM Emergency Bills
A Return to Automats?
Freezing a Levied Account from Debits

Statistics, Facts & Such
Calling All Nearby ATMs...
The Case for Replacing ATMs
What is Multi-vendor Software and Open Messaging?
Wireless Customers Can Replenish At ATMs
Why update your ATM network?
Reducing ATM Costs
Leveraging ATM Renewal Costs
Sending Unsolicited Debit Cards

New Debit Card, New Disclosure

Debit Card Liability

ATM Security Tip
Guru Chatter on ATM Matters
Adverse Action on Debit Card Turndowns

Adverse Credit Reports on Authorized Signers

Required Use of Positive Pay

Documentation for a Joint Venture Account

New Accounts: Guidelines for Non-profit Accounts
Signers on Trust Accounts

Power of attorney and LLC

Removal of an Authorized Signer

Beneficiary Withdrawals & Representative Payee Accounts
Corporate Account: Multiple Signers with No Signature Cards
Authorized Signers Using Internet Banking
Checking Accounts For Minors
Authorized Signers on Trust Accounts

Authorized Signer Liability

Fraud Involving Corporate Employee

CIP and the High Risk Customer

Crooked Bookkeeper Strikes Again

Living Trusts & POA
Death of Sole Owner

Joint Accounts, ITINs, and Interest Reporting

Business Accounts: Is a Resolution Required for Account Signers?

Agent Transferring Funds To Own Account

No Signature Card: Close Account?

Account for Institutionalized Customer

Must all Account Signatories be Listed on CTR?

Two Signature Required Accounts: How Should we Give Notification of a Change in Terms?

Business Account Authorized Signers Cashing Checks

What Documentation Should we Require to Open a Deposit Account for a Political Party?

Cashing A Check For An Authorized Signer
Should Authorized Signers Have ATM Cards?

Minor's Saving Account: Can the Minor be an "or" Signer?

Can an Authorized Signer be Designated as the POD Beneficiary?

Can an Authorized Signer Endorse and Cash Checks Payable to a DBA?

Authorized Signer's Account Rights

Authorized Signers On A Joint Account

Authorized Signers On Partnership Accounts
Business Accounts: Authorized Signer Information

Audit
Board Approved Loan?

FFIEC Third Party Risk Management Compliance

Improve Your Physical Security

Audit the Process or Just the Outcome?

Web Linking from a Realtor's Site to our Mortgage Site

To Whom Should Compliance Officers Report?

Surprise Cash Count

Regs Triggered Due to Increased Asset Size

FDIC Flood Audit - Pulling the Flood Cert

Reg E Audit - Merchant Credit Services

Internal Auditor Recommended Policies/Procedures

Required Audits

Written Up - Red Flag Guidelines Not Finalized

Uncertified Compliance Audit Manager

What is a Branding Audit?

Preparing for IT Audit on a New Network System

Looking for IT Audit Info

I'm Cleaning up our CIP Files

CIP Audit Information

Withdrawal Limitations on ACHs Returned NSF

External Auditors Reviewing SARS Filed in 2005

Final Responsibility for the Annual ACH Audit

Looking for Website Audit Procedures

Are Your Internal Controls like Swiss Cheese? - Part 16
Shared Cash Drawer, Terminal

Regulation Z: Checking APRs
Audit Guidance Request

Auditing the Compliance Program
Record Retention of Audits

Audit Committee Membership Requirements

Action Audit
Can Auditor Chair HR Committee?

Deposit Ticket Requirement?
Incentive Program for Audit/Cmpl/Loan Rvw
Doing a Compliance Risk Assessment

Commercial Loan Applications And Reg B
eBanking Audit Program
Internal Audit Manual for Small Banks
Security Post 911-What Factors Drive Community Banks Now?

Performing Surprise Audit on Teller Drawer

An Auditor's Viewpoint on Critical Data Changes
Escrow Analysis Audit

Preparing For A State Examiner's Insurance Audit

Auditing Loan Files

Authentication
Multifactor Authentication as Demonstrable Consent?

Choosing the right strong authentication option for your organization.

Help! How do I simplify compliance reporting?

Does Log On = E-SIGN?

Credit Grantors need Effective Fraud Tools

Challenges in Identifying Small-business Fraud

Protect Against Small Business Fraud

Knowledge-based Authentication and Interactive Voice Response Systems

Question Types within Knowledge-Based Authentication

Knowledge-based Authentication and the Consumer Authentication Process

Knowledge-based Authentication

Consumers and Knowledge-based Authentication

Knowledge-based Authentication and Red Flags Compliance

Staff Training for Red Flag Regulations
Red Flag Ruling: Two Forms of ID

Compliance with the Red Flag Rule

Identity Risk Management-Part III: Know Your Customers and Vendors, and Technology Solutions

FDIC Raises the Bar on Data Security
What is the difference between multi-factor authentication and layered security?
Authentication in an Internet Banking Environment
Does the Risk Assessment required by the FFIEC Handbook make me compliant with the October 2005 FFIEC Guidance?
Getting Compliant: The 7 Step Red Flag Checklist
Multi-Factor Authentication: The Next Generation Solution
Could Someone Successfully "Phish" for Your Customers?
Information Security: Authentication In An Online Environment
Making Sure Your Customer Authentication Method is Commercially Reasonable

Authorized Signers
Authorized Signer on the Mailing Address?

Signer Depositing Checks into Owner�s Account

CIP on Church Signers/Trustees

POA adding Authorized Signer

Disclosing Garnishment to Signer

Deposit Accounts � Two Signers Required

POA as Agent and Authorized Signer

Changing from ATM Cards to Debit Cards

Signer�s Responsibility on LLC Account

Non-deposit Instrument Log

FI Dictating Business Signer Changes?

Account Closing � Pay Check to Signer or Business?

Trust Checking Account � Non-trustee Signer

Joint Owners as POAs?

Reg O & Executive Officer Account Signer

DBA Account - Authorized Signer Removal

Community College Account � CIP on Signers?

What Can Authorized Signers on an Account Do?

Adding a Signer to an Estate Account

Son of HELOC Account Holder is Authorized Signer

Same Online ID for Business & Personal Account?

Authorized Signer Avoiding a Levy or Garnishment

Temporarily Restricting Signer's Withdrawal Access

Garnishment of Authorized Signer

Removing Bankrupt Corp Account Signer

Cash Deposits Made by Bookkeeper

Authorized Signer Questions

Authorized Signer's Funds in Owner's Account

Deposit of Personal Check into Business Account

Signers on Estate Accounts

Signer Added for Check Writing Purposes Only

EO Signer on Various Accounts

Payroll Check Signed by Entity

Difference Between Authorized & Convenient Signer

CIP of Nonprofit Signers

Check Cashing by Business Account Signer

POA on a Trust Account

Authorized Signers & Convenience Signers

Adding Signers to Trust Accounts

Fiduciary Adding a Signer to an Account

Designating the Signer on Sole Proprietor Loan

Signer Adding Signer?

Authorized Signer, Deceased Joint Owner

More than One Authorized Signer on an Account

Signer's Checks Deposited into Owner's Account

LLC Documentation - Adding or Removing a Signer

One Signer Removing Another Signer

Authorized Signer Obtaining Account Information

Authorized Signer Designated as a POD Beneficiary

Adding Spouse to an Account

Authorized Signer on Estate Account?

Adverse Credit Reports on Authorized Signers

Required Use of Positive Pay

Documentation for a Joint Venture Account

New Accounts: Guidelines for Non-profit Accounts
Signers on Trust Accounts

Power of Attorney and LLC

Removal of an Authorized Signer

Beneficiary Withdrawals & Representative Payee Accounts
Corporate Account: Multiple Signers with No Signature Cards
Authorized Signers Using Internet Banking
Checking Accounts For Minors
Authorized Signers on Trust Accounts

Authorized Signer Liability

Fraud Involving Corporate Employee

CIP and the High Risk Customer

Crooked Bookkeeper Strikes Again

Living Trusts & POA
Death of Sole Owner

Joint Accounts, ITINs, and Interest Reporting

Business m: Is a Resolution Required for Account Signers?

Agent Transferring Funds To Own Account

No Signature Card: Close Account?

Account for Institutionalized Customer

Must All Account Signatories be Listed on CTR?

Two Signature Required Accounts: How Should we Give Notification of a Change in Terms?

Business Account Authorized Signers Cashing Checks

What Documentation Should we Require to Open a Deposit Account for a Political Party?

Cashing A Check For An Authorized Signer
Should Authorized Signers Have ATM Cards?

Minor's Saving Account: Can the Minor be an "or" Signer?

Can an Authorized Signer be Designated as the POD Beneficiary?

Can an Authorized Signer Endorse and Cash Checks Payable to a DBA?

Authorized Signer's Account Rights

Authorized Signers On A Joint Account

Authorized Signers On Partnership Accounts
Business Accounts: Authorized Signer Information

Auto
LTV - Used Auto Loans

New Auto -Loan - First Payment 90 days

Car Dealer Indirect Loans � Application Process

Hold Car Title as Collateral Against Charge Off

HMDA - Swimming Pool Loan Secured by Automobile

Minor Auto Loan - Parent is Co-borrower

Obtaining Credit Bureaus for Our Auto Dealers

Vehicle Lien Filing Fee

Signed TIL Missing from Credit File

One Vehicle + Two Loans = Confusion

Motor Vehicle Titles

Closed-end Indirect Lending Auto Loans

Shady Auto Loan Customer

Is a HI Loan Secured by Auto HMDA Reportable?

Giving Gifts to Auto Dealers for Loan Referrals

Is this Car Loan Subject to HMDA Reporting?

Disclosures on Financing Sale of Repo Vehicle

Is a Renewal of Purchase Money, Purchase Money

Referral Fee to a Broker for Auto Loans

Fair Lending & Auto Loans
Car Dealership Pulling Credit Report

Indirect Loans and Fair Lending Concerns

Availability
Reg CC Changes � Exception Delay

Revised Reg CC - Case-by-Case Holds

Reg CC � Is Everything Local?

Notify Customers of Reg CC Change?

Exception to New Account Exception Hold?

Reg CC Amendment

Reg CC Funds Availability Verbiage

ATM Funds Availability Signage for Funds Transfer?

New Account Deposit - Give Hold Notice?

ATM Deposit Regulations

Hold on Government Check

Reg CC � Hold on Third Party Check

No Large Return Notification Given

ATM Disclosures

Wired Funds � Funds Availability

Remote Check Return Rules

Reg CC � Banking Vs Business Days

Reg CC � Less Hold Time

Reg CC � Insurance Draft

Reg CC Holds � Personal Vs Business Accounts

Hold on Cashier's Check Deposited into Savings?

Reg CC Signage & the Drive-Thru Window

Savings Accounts Funds Availability Disclosures

Funds Availability Notice � Font Size Requirements

Foreign Check - Funds Availability

Operating in Agreement with Regulation CC

Reg CC Hold Confusion

Reg CC - New Account

Large Cashier's Check - Next Day Availability

Exception Holds on Treasurer or Bank Checks

Reg CC - Holds on Local & Non-local Checks

Only Drive-Thru Open Saturday - A Banking Day?

Case by Case & Exception Holds - Definiton Needed

ATM Deposits � Next Day Availability?

Reg CC Signage Requirements

Holding Checks - Member Notification

Reg CC - Saturday a Banking Day?

Endorsing & Signing Over a Treasury Check

Holds on Credit Card Convenience Checks

Credit Card Convenience Checks & Midnight Deadline

Reg CC Hold - Day Funds Become Available

Multiple Deposits - Immediate Credit?

Returning an Unauthorized Paper Draft

Hold Discussed w/Customer� Mailed Notice Required?

Reg CC - State Check

Night Depository Procedures

Overseas Cashier's Check - Next Day Availability

Cashier�s Checks & Next Day Availability

No Notice was Given on Large Item Return

Confused Over Reg CC's Standard & Extended Holds

Eliminating Float a Regulatory Requirement?

Exception Hold on Available Funds?

Reg CC - Consumer and Commercial Accounts?

Send Out Revised Hold Notices?

Reg CC - Shorter Holds

Reg CC Hold - New Account for Established Customer

Reg CC - Holding Funds on a Return Item

Reg CC - Counting the Days.....

Hold Not Placed at Time of Deposit

Reg CC Exception Hold - First $100

Funds Unavailable - Returning Check

Hold on a Traveler's Check

Official Checks - 3rd Party Online Bill Pay

Teller Station Hold Notice Verbiage

Posting Funds Availability Policy Notice

Reg CC - Collected Balance Vs. Available Balance

2nd Business Day Hold -$100 Next Day Availability

Remote Deposit Capture - Funds Availability

Placing a Hold on a Cashier's Check

Next Day Availability on Rapid Refund Checks

Can't Provide Receipt Stating Funds Availability

Disclosure of the Funds Availability Policy

Will the Closing of Fed Check Processing Sites Accelerate Funds Availability and Possible Exposure to Fraud?
Savings Funds Availability
Reg. CC and Privacy Excuses for Non-availability

Reg. CC & $100 Availability on a Problem Account

Reg CC - Next Day Funds Availability
Exception Holds for Next Day Availability

Web Page Funds Availability Disclosures

ATM Disclosures Regarding Fees And Availability

Deposits, Reg CC, and Immediate Availability

Limitations on Next Day Availability

Non-local Check Deposit & Wire Request

Suspected Kiting, Returned Deposits, and Holds

Reg CC, Extended Holds, and Notice Requirements

New Accounts & Notice Of Delayed Availability

Is the Reg CC Notice of Availability Required to be Posted on the Window of Drive-thru Teller Station?

Funds Availability Notice Requirements: Cutoff Hour

Availability Time Frames

Counting Funds Availability Time Frames

Expediting Compliance with Funds Availability
When Are Deposited Funds Available?
Reg CC: "Funds Availability" Deadline Is Here!

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