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Calculators/Calculating    Call Report    Campaign Funds/Account    CAN SPAM ACT    Cashier's Check    Cash Management    CCPA    CDARS    Census    Census Tract    Certificate of Deposit    Check Cards    Check Cash    Check Presentment   
Check 21/Check Truncation Act    Checks    CIP    Citizenship Status    Civil Money Penalties    Claims    Closed/Closing Accounts    Closed Circuit TV    Coin    Collateral    Collection Items    Comment Letters    Commercial Lending   
Community Development    Community Service   
Compliance/Compliance Management    Computers/Computer Software    Computer Security    Computer Virus    Consumer Protection    Contingency Planning    Control List    COPPA    Corporate Accounts/Checks    Corporate Governance    Corporate Seal/Resolution    Cosigner    Counterfeit    Courier Service    Court Cases - Banking Related    CRA    CRCM    Credit Bureau    Credit Cards    Credit Life    Credit Report    Credit Scoring    Currency    Currency Transaction Reporting    Custodial Accounts   
Customer Identification    Customer Identification Program    Customer Information    Customer Service/CRM   

denotes Guru Question & Answer.

Calculators/Calculating
HPML – Calculating Repayment Ability
HPML Calculating
Construction Loan Payment Example
Dollar Amount Tolerance on Interest Payment
ARM Loan - No Adjustment Schedule
How Accurate Does the Interest Rate Have to Be?
Calculating Compliance Risk to Foreign Corrupt Practices Act (FCPA)
Reg Z Reimbursement Procedures
Advertising & the APY
Advertising - Loan Amount & Calculating APRs
OCC WIN Calculator - Odd Days Interest
Offering A and H Insurance on a Real Estate Loan
Bonus vs Interest
Calculating Flood Insurance
Online Calculators
Calculating Operating Cash Flow
1098 Reporting - Loan in Non-Accrual Status
Calculating Condo Hazard Insurance Coverage
Blended APY on Rate Board/Lobby Sign
ARM Loan TIL Disclosure
Calculating the Aggregate Adjustment
HOEPA Rate Spread Amounts
Calculation of Fees Subject to HOEPA
Eliminating Float a Regulatory Requirement?
Compounded CD - APY Disclosure
Effect of Interest Rate Calculation Change
Calculating Amount of Required Hazard Insurance
HOEPA Worksheet Completion
Non-accrual Loans
CD APY - Monthly vs Quarterly Interest
APR Calculation Formula
Schumer Box
HOEPA Calculation
APR Rate Impacted by VSI Fee?
HELOC Payment Stream Calculation
Calculate the Survey Fee as an APR Fee?
Formula for Calculating the APR
Calculating Servicemember Loans
Reg Z - Disclosing a Payment Schedule
10% Fee on Every Draw from a HELOC
Calculating Mortgage APR for Advertising
APY Calculations
HMDA Rate Spread Reporting
HMDA Rate Spread Determination Dates
HOEPA Rate Spread Selection
OCC addresses real estate lending calculations, limits
HMDA Rate Spread Calc, - But Other Security
APR Calculation on a Demand Loan
HOEPA Rate Term 1-Year
Calculating the Rate Spread
APY Verification Program
Date Used in Calculating the APR
Abbreviations on HOEPA Calculator
Interest-only Mortgage Calculator


Call Report
Definition of a Restructured Loan
Collateral & Purpose Codes
Non-accrual Loans
What Reg 0 amount to report?
Statement of Condition Availability
Are business credit cards reportable as small business loans?
Overdraft Protection, Call Reports, and "Unfunded Committments"
Estimating Uninsured Deposits for your Call Report
Document with a call report


Campaign Funds/Account
Business or Personal Campaign Account?
Federal Political Campaign Account
Federal Political Campaign Account Regulations
Debit Cards & Political Campaign Accounts
Political Account - EIN Required?
Political Campaign Account
Campaign Account and Debit Card


Cashier's Check
Bank Official Checks vs Cashier's Checks
Cashier’s Check Endorsement
CTR on Cashier's Check
Expiration of Cashier’s Check?
OFAC & Purchase of Cashier’s Checks
Noncustomer Refuses to Provide SSN
Stolen Cashier's Check
Cashier's Check - Large Deposit Exception Hold
Hold on Cashier's Check Deposited into Savings?
Money Orders Purchased with Altered Check
Stop Pay on Employee Benefits Cashier’s Check
Large Cashier's Check - Next Day Availability
Reissuing Cashier’s Check Before the Ninety Days
Lending Office Issuing Cashier's Checks
Remote Deposit Endorsement Issues
Make Cashier's Check Payable to Customer or Trust?
Cashier's Check Payable to Cash?
Misspelled Name on Cashier's Check
Complete a CTR & MIL?
OFAC Screening & US Goverment Agencies
Overseas Cashier's Check - Next Day Availability
Cashier’s Checks & Next Day Availability
Are Tax Preparers Considered MSBs?
Reg CC & Tax Refund Checks
Returning a Fraudulent Cashier’s Check
Eliminating Money Orders
Cashier's Check Lost in Mail - Reissue a New One?
Cashier's Checks - Run OFAC on Payee
Cashier's Checks - Reg CC Stipulation?
Reg CC - Checks Issued by a Finance Company
Reg CC - $100 Availability
Hold on Cashier's Check
Cashier's Check Returned Stop Pay - What Now?
Loan Disbursement Check - Next day availability
"Void after 90 Days" Enforced Under UCC?
Hold Liability
Savings Withdrawal - CTR Required?
Reissuing Cashier Checks
Counterfeit Cashier's Check Recourse
OFAC Check on Cashier's Check Payee
Stop Pay on a Ripped Up Cashier's Check
Anonymous 'Remitter'?
Reg CC & Savings Accounts
Cashier's Check or a Teller Check?
Reg D - Cashiers Check Payable to a Third Party
Cashier's Check - Maximum Length of Hold
Bad Certified Checks
Reissuing Cashier's Checks
"Refusal to Pay" Fee?
Contesting a Stopped Cashier's Check
Escheating Outstanding Cashier's Checks
Difference Between "Special Deposit Tickets" & Deposit Tickets
Checks Drawn on a Correspondent
Cashier's Checks: Collecting Verification Info For Known Customers
Counterfeit Cashier's Check, Who Pays
UCC: Practical Application
Why No Stop Pays on Cashier's Checks?
Non-expiring Stop Payments
Cashier's Checks, Money Orders, and Certified Checks
Dormant Fees on Official Checks
When a Cashier's Check Is Stolen
Are official checks considered "certified"?
OFAC Verification on Cashier's Check Payee
Official Checks & Declaration of Loss
Exception Holds for Next Day Availability
How long is a Cashier's check "good"?
Re-issuing a Cashier's Check Earlier than 90 Days
Verification of Cashier's Checks
Definition Of A Cashier's Check
Placing A Stop Payment On A Cashier's Check
Verifying Cashier's Checks
Counterfeit Cashier's Check: Who takes the loss?
Handling Counterfeit Cashier's Checks
Stop payment on official check
Stop payment on bank expense checks?
Do cashier's checks become stale dated?
Are Official Checks and Cashier's Checks the Same?
Can We Stop Payment On An Official Check?
Stopping Payment on a Cashier's Check
What is the difference between a cashier's check and an official check?
Lost Cashier's Check: What's the financial institution's responsibility?


CAN SPAM ACT
Marketing Via Email Blasts & Networking Sites
Sending Email Marketing
Summary of the CAN Spam Act
Compliance Issues for E- Statements
Email Marketing
Web Site Compliance & Disclosures
Enter Contest - Receive Bank Product Emails
Email Newsletter
Email Taglines
About the CAN-SPAM Act
Account Opening - Requesting Email Addresses
CAN-SPAM - Clear & Conspicuous
Who Does CAN SPAM Protect?
CAN SPAM Opt-out Font Requirements
Are Cell Phones Included in CAN SPAM?
Is Responding to a Query CAN SPAM
Spammers on Menu for Enforcement Initiatives


Cash Management
What About Reg D and Reserve Requirements?
Cashier's Check Payable to Cash?
Surprise Cash Count
Cash Deposits Made by Bookkeeper
Surprise Cash Count
Calculating Operating Cash Flow
Financing Differences
ATM Owner - Bad Cash Practices
Counterfeit Bill Procedures
File SARs for Significant Cash Withdrawals?
Counting Vault Cash
Cash Withdrawal Limitation - Funds Availability
Counting Vault Cash
Credit Card Cash Advances & the OFAC List
Small Banks, Big Business: Cash Management or Currency Management?s
Limiting Cash During a Disaster
Check Payable to Cash Cashed by Anyone?
Intent Behind Reg D
Teller Safety Issues
Cash Drawer Sharing
Automated File Transfer for Cash Management Services
Are your Internal Controls like Swiss Cheese? Part 10
Looking for Cash Management Seminar
Positive Pay For Smaller Companies


CCPA
Does Reg B prohibit discrimination against an applicant who is involved in lawsuits?


CDARS
Information on CDARS


Census
The 2010 Census - Educating Customers
Appealing To Minority Businesses


Census Tract
HMDA - What Census Tract Info Do We Use?
Tracking for Census Tracts
Finding a Census Tract Number


Certificate of Deposit
Maturity Notices for Business CDs
No Withdrawal CD
Employee Interest Rates on CDs
CD Penalty Vs CD Forfeiture
Estate Cashing CD Before Maturity
IRA CD Maturity Notice
CD Deposit Insurance Coverage as of 1/1/2014
On Demand CD
CD Renewal – Disclosures & Notices
Dormant CD Guidelines
Charity as POD on a CD
Death of CD Owner – Interest Reporting
Advertising APY Instead of Annual Percentage Yield
CIP & OFAC – CD Account Opening
FI Dictating Business Signer Changes?
CTR – Cash Back on a CD
Decreasing Early CD Withdrawal Penalty
Advertising a CD Special
Death of Joint CD Owner - Account Closing Penalty
CD Changes – Notice to Customers
Placing Holds on Accounts Not Subject to Reg CC
Outdoor Sign
CD Advertisement
Bank Failures, Uninsured Deposits & Loan Payments
Advertising CD APY Rates & Reg DD
Are Notices Required When CDs Compound?
Include Beneficiary on the CTR?
CD Renewals & Withdrawals
CD Customers Negotiating Interest Rates
PODs on CDs in a Trust
Certificate of Deposit Account Disclosures
CD Rate Oral Inquiries - Quote APY First?
Issuing CDs - W9 Certification
Would These CDs be Subject to Reg E?
CD Promo - Equal Housing Lender Logo Required?
Compounded CD - APY Disclosure
CD Interest Rate Accrual
Reg DD & Advertising
Levy the CDs?
CD Titled in a Trust - Early Withdrawal Penalty
Reporting CD Secured Loan on the LAR
CD Secured Loan - All Owners Sign the Assignment
CD Set Off
CD Secured Loan & the LAR
POA on a Trust Account
Early Withdrawal Penalty Required?
Changing CD Terms, etc.
CD Renewal - New Disclosures Required?
CD Interest Reporting
Including Interest Rate & APY on CD Renewal Notice
Due Diligence on a Spouse
Account Opening - Written Consent Required?
Original Issue Discounts
Rate Sheets - Are They Considered Advertisements?
Can We Close the Account after the CD Matures?
CD APY - Monthly vs Quarterly Interest
Wait Until the CD Matures or Close it Now?
Penalty on Interest Credited to CD?
CD Documentation
Advertising a Stepped-Rate CD
Advertising a CD APY on Scrolling Reader Boards
Authorized Signer's Withdrawal of CD Funds
Bank Merger - CD Cashing
IRA Lobby Poster Promo
Reg D and an Interest on Demand CD
CD Garnishment
Quoting CD Rates Over the Phone or in Person
CD Promo Proposal
CD Penalty
CD Retitled into Living Trust, Withdrawal Penalty?
Penalty for Early Closing of Time Deposit Account
New Home Purchase - HMDA - Residential Property Loan Secured by CD
Loan Secured by CD, HMDA Reportable?
One Party Pledging Multiple Party CD
What Becomes of Matured CDs?
Withdrawal of CD, Modified Terms
Lien Position on Loan Secured by CD
Early Withdrawal Penalty on a CD
IRA CD as Loan Collateral
Mobile Home Secured by a CD, HMDA Reportable?
Advertising a CD APY on Scrolling Reader Boards
ID Procedures for CD Beneficiaries
Advertising a Stepped-Rate CD
Change of Terms Notice When Customer Requests
Time Deposit Penalties, What Is and Is Not
Using CDs as Collateral
Usurious Loan with CD Collateral
Letting Customers Know You'll Be Competitive
Advertising a Stepped-Rate CD
Changing Signatures on CDs for CIP
Offset against a CD
Information on CDARS
Advertising a Stepped-Rate CD
Interest Paid During CD Grace Period
Disclosing APY for CDs
Pledging a Jointly Owned CD as Collateral
Understanding "Change in Terms" Notice for Time Accounts
When to Send Maturity Notices?
How should we handle uncashed CD interest checks for a deceased customer?
Penalty For Early Withdrawal From CD
Taking Delinquent Loan Payments From A CD
CDs, Collateral, Insiders & Reg O
Value Limit On Gifts Given For Accounts
CD Early Withdrawal Penalties
What are the maximum interest rates on CD loans?
Can Beneficiary Transfer IRA CDs?
TISA Disclosure Language For Long-Term CDs
Using a CD to Offset a Delinquent Note
CD Renewals: Do we need to certify the TIN again?
Definition of Dormant CD
Is there a regulation that requires a loan to be priced 2% above a CD rate (if using the CD as collateral)?
TISA: Change in terms prematurity notice
How should we handle the interest from a $100,000 CD if we have no forwarding address?
Renewal During Grace Period: Backdate the CD?
Changing CD Terms
Notice Requirements For Automatically Renewed Short Term CDs
Disclosing Business Loan Details
CDs, POD Designation, and Beneficiaries
Early Withdrawal Penalty Regulation?
CDs & Signature Cards
Early Withdrawal Penalty Requirements For CDs
CD Maturity Notification Requirements
Early CD Redemption: Forfeiture Of Interest
Early Withdrawals and Accrued Interest
Distributing CD Proceeds When Some Of The Beneficiaries Have Died
Tax Levies & CDs
Timely Disbursement Of CD Proceeds: How much can the institution delay?
Truth In Savings Disclosures for Renewable CDs
CD Funds Disbursement
Earned (but not paid) CD Interest & OID 1099s
Book Entry CDs: What is required?
Truth in Savings Disclosures For Renewable CDs
Gambling on CD Rates
Don't Renew That CD


Check Cards
Check & Debit Card Buy Back
Check Card Contest
Business Debit/Check Card Disclosures
Reg E Fraud Claim Time Frame
Bust-Out Targets
Waiting 7 Months to Dispute Card Transactions
Check Card Contest
Check Card Dispute - VISA Zero Liability Rule
Applying 334.82 When Pulling a Credit Report
Check Card Contest
Fraudulent Check Card Transactions
A Downsized Card
Banks Use Corporate Cards to Replace Checks>
Check Cards for Minors
Business Check Card Regs
Stop Payment On Check Card Transactions?
Customer Disputes & Reissuing Check Card
Reducing Check Card Losses


Check Cash
Non-customer Check Cashing & 314(a) Searches
Receipt of Check Authorizes Cashing of Check?
OFAC – Non-customer Cashing Customer’s Check
Government Check Payable to Two Persons
OFAC Check - Non-customer Transactions
CTR – Payroll Checks Cashed for Multiple Employees
Noncustomer Refuses to Provide SSN
Non-Payee or Drawer Cashing Check Payable to Cash
Return Check "Payee Deceased"?
Financial Privacy & Check Cashing Services
Cashing Non-Customer AMEX Traveler's Checks
Cashing a Check Written in a Foreign Language
Stop Pay on Check to a Check Cashing Business
Tracking Non-Customer Check Cashing
Business Owner Cashing Employee Checks
Cashing a Check Made Payable to a Partnership
A Business Cashing Customer's Checks
Cashing On-us Checks for Non-customers
Check Cashing by Business Account Signer
MSB - Out of Country Wire Transfers
Uncashed Check from a Closed Business
Cashing Deceased Spouse's Checks
Who Takes the Loss?
Minor Check Cashing
Cashing Treasury Checks
Treat Them as an MSB?
Do We File a CTR When Multiple Checks are Cashed?
Check Cashing - Hold Notice
CTR Filing - Deposit Made After Check Cashing
$10 Fee for Cashing a $15 Check
Notifying Customer of Hold
Refusing to Cash Government Checks
Use of "Instuto Federal Electoral Card" as ID
OFAC - Cashing Non-Customer Payroll Checks
Cashiers Check Made Payable to Cash

Casinos and Check Cashing
BSA Compliance on a Check Cashing Business
Check Cashiers CIP Requirements
Completing CTR Correctly on Check Cashing
Refusing to Cash On-Us Checks for Non-Customers
Can an administrator/executor cash a check?
Can we refuse to cash an on-us check for former bad customer?
Owner Cashing Check Payable to Business
OFAC and Cashing Checks for Non-Customers
26.3 Million Treasury Checks Going Out: What Every Teller Should Know
Business Account Authorized Signers Cashing Checks
Cashing Living Trust Account Checks
Should Endorsement Be Required When Cashing On Us
Endorsement Requirement On Checks Written To 'Cash'
Licensing Requirement For Check Cashing Businesses
Exempting Licensed Check Cashing Businesses
Cashing Corporate Checks
Question & Answer
Can We Charge For Cashing?
Check Cashers Preferred
Mandatory Check Cashing?
Some U.S. Government Checks Stale Dated After October 1, 1990


Check Presentment
Compliance with Reg CC
Stale Dated Check Sent for Collection
Case-by-case Hold Notice
A Gives B a Check...
Monitor MMDA Items by Presentment or Date on Check
An X9.37 Formatted File
BSA Dept Dictating Check Cashing Procedures
Number of NSF Presentments Allowed
Re-ran NSF Check - Came Back as a Stop Pay
Returning an Unauthorized Draft
Delay in Responding to Encoding Error Adjustment
Exception Under NOI to Return Deadline
Limit on Presentment of NSF Item
Savings Overdrafts Caused by Chargebacks
Late Returns
Is the bank obligated to pay a check that was internally delayed for collection if there are insufficient funds?
On-Us NSF
Check Presentment Limits


Checks
Reg CC Changes – Exception Delay
Revised Reg CC - Case-by-Case Holds
Reg CC – Is Everything Local?
Employee Check Kite & SARs
Check Imaging for MSBs
Expired Stop Pay
Loan Payment by Check Payable to Business
Reg CC Amendment
Sharing Customer Check/Account Info
Is Affidavit Sufficient Reason for Bank to Act?
Holds Outside of Reg CC
Closing Trust Acct – Check Payable to Trust Owner
Check Kiting-SAR Filed
Account Number on Back of Check
Compliance with Reg CC
Bank Pays Stop Payment: Bank Liable?
Check Return
Opt–out of overdrafts by check, ACH, etc.
Foreign Check
No "VOID AFTER" on Check – When is it Stale Dated?
Copy of Check Requested – Give Disclosures?
SSI Checks Payable to Rep Payee - Opinion Needed
Outstanding Expense Checks
UCC 3-307
Disclosing Check Pay Order
Acceptable Reason for a Stop Pay
Cash Back on a Sole Proprietorship Deposit
Signer Depositing Checks into Owner’s Account
Cashier’s Check Endorsement
Treasury Check – Cash or Deposit?
Check Paid on Old Stop Pay
Without Recourse Endorsement - Bank's Recourse
Accept the Numeric Amount?
Checks Payable to Deceased Parent & Customer
Non-customer Check Cashing & 314(a) Searches
DDA Agent Closing Account
Written Amount Missing on Check
Hold on Government Check
Stale Dated Check Sent for Collection
Receipt of Check Authorizes Cashing of Check?
Expiration of Cashier’s Check?
No Large Return Notification Given
Affidavit of Forgery
Reg CC – Hold on Third Party Check
Returned Without Entry
OFAC – Non-customer Cashing Customer’s Check
LLC Checks Deposited into Personal Account
Government Check Payable to Two Persons
Government Checks Expiration Date
OFAC Check - Non-customer Transactions
Returned Counterfeit Items Recourse
Verbal Disclosures on Phone Stop Pays
Trust Check Deposited into Personal Account
Remote Check Return Rules
New Amendments to Reg D
Reg D Transfer Limit Change
Check Hold on Part of a Deposit of Multiple Checks
Check Adjustment Timeframe Collection
Case-by-case Hold Notice
CTR – Payroll Checks Cashed for Multiple Employees
Cross-Channel Management
Complying with Reg GG
Account Closing – Pay Check to Signer or Business?
Info Needed for a Stop Pay
Successful Training Techniques
Depositing Check Made Payable to FI?
Suspense Account
Substitute Check Disclosure
Placing Longer Hold Due to Fraud
POA Writing Checks After Customer's Death
Free Checks - IRS Reporting
Non-Payee or Drawer Cashing Check Payable to Cash
Signing a Stop Pay Made by Phone
Check Endorsed "Without Recourse"
Placing a Stop Pay on a Converted Item
Forged Endorsement – Course of Action?
About Claims for Recredit
Return Check "Payee Deceased"?
Hold on Cashier's Check Deposited into Savings?
Endorsement of Check Payable to Cash
Name of Bank Required on Face of Check?
What Can Authorized Signers on an Account Do?
Foreign Check - Funds Availability
Overdrawn Accounts – Resubmitting Checks
Operating in Agreement with Regulation CC
Reg D - MMAs Vs Savings Accounts
URCC Claims
Death of SS Recipient – Check Return Rules
Money Orders Purchased with Altered Check
NSF Fee Change Notice
Government Check Signed Over to a Third Party
Converted Item Return
Check Endorsements of Items Over $25,000
Written Amount of Check Left Blank
Remote Check Created From Faxed Copy
Missing Endorsement – Liability For Loss
A Gives B a Check...
Absence of Endorsement Guarantee Required?
Unauthorized Item Disputed - What Do the Regs Say?
Stop Pay Time Limit
Reviewing Forged/Fake Check Rules & Procedures
Trustee Depositing Check into Personal Account
The Impact of Increased Check Fraud in Tough Economic Times
Large Cashier's Check - Next Day Availability
Reissuing Cashier’s Check Before the Ninety Days
Cashing Non-Customer AMEX Traveler's Checks
Exception Holds on Treasurer or Bank Checks
Corporate Checks - Authorized Signers
Accepting Check Endorsed "Paid to the Order of…"
Remote Deposit Endorsement Issues
Overdraft Due to Post-Dated Item
A Computer Program for Detecting Kiting?
Cashing a Check Written in a Foreign Language
Monitor MMDA Items by Presentment or Date on Check
Unauthorized Items - 24 Hour Rule
Who is Responsible for Payment of the Check?
Estate Checks With No Estate Account
Reg CC - Holds on Local & Non-local Checks
Check Kiting Case - SAR Reporting Time Frame
Time Frame to Return Altered Item
Reg CC- Three Years to Return a Forged Item?
Stop Pay on Check to a Check Cashing Business
Must CU Comply with Paying Bank’s Refund Demand?
Check Payable to Two Individuals – File a CTR?
The Woman in the Lobby – File a CTR?
Tracking Non-Customer Check Cashing
Reg Governing Debits & Fees for NSF Checks
Surviving Payee Negotiating Treasury Check
Customer Demanding Original Check Not the Image
Treasury Check Payable Ambiguously
Case by Case & Exception Holds - Definiton Needed
Forged Endorsement – Recovering the Loss
Written Amount Required on Check?
Holding Check in Escrow During Rescission
Check Paid to 2 Businesses Endorsed by 1 Business
Length of Time Checks Can be Placed in Cash Items
Legality of Memo Notation on Checks
SARry Situation – Include Both Accounts?
How Long Does a Bank Have to Send Back Items?
Date of Deposit Causes Reg D Violation
Handling Deceased Trustee's Checks
Business Owner Cashing Employee Checks
Refusal to Cash Non-Customer Savings Bond
Holding Checks - Member Notification
Right of Setoff on Depost of Stimulus Check
Preventing Counterfeit Check Processing
Early Cashing of a Post Dated Check
Stop Pay on a Post Dated Check?
Online Presence for Community Banks
Endorsing & Signing Over a Treasury Check
Pouch Activities Risk
2nd Generation Remote Deposit
Endorsement of Checks Payable to a DBA
Endorsement of Checks Payable to a DBA
Accepting Check Payable to Corp and Our Customer
Holds on Credit Card Convenience Checks
Shredding the Competition
Cashier's Check Payable to Cash?
Misspelled Name on Cashier's Check
An X9.37 Formatted File
Remote Deposits
Paper Checks from a Remote Deposit
Need Clarification on Endorsement
BSA Dept Dictating Check Cashing Procedures
ATM Presentment & Processing
Credit Card Convenience Checks & Midnight Deadline
Multiple Deposits - Immediate Credit?
Joint Tax Refund Check - Endorsement Requirements
ACH Debits - Three or Six Limit?
Check 21 Substitute Check Policy Disclosure
Returning an Unauthorized Paper Draft
In Need of Easy Explanation for Check Kiting
ATM Deposits - Weekly Balancing
Stamped and Deposited in Lieu of Endorsement?
Deadline for Returning Counterfeit Checks
Need CTR Filing Help
What is Remote Deposit?
What is Check 21?
Returning a Cleared Stop Pay Item
Number of NSF Presentments Allowed
Does Check 21 & Image Exchange Preclude Reg CC?
Insurance Draft and Check Policy & Procedures
Same Check - Two Different Amounts
Cashier’s Checks & Next Day Availability
Regulation O - Overdrafts on Insider Accounts
Confused Over Reg CC's Standard & Extended Holds
No Notice was Given on Large Item Return
Signer Depositing Checks into Business Account
Does this Add Up to a CTR?
NSF Check Frustration
Deposit of Personal Check into Business Account
Stop Pay on Check Made Payable to Cash
A Decrease in Check Fraud?
Exception Hold on Available Funds?
Are Tax Preparers Considered MSBs?
E-Signature for Credit Check
Protecting Bank from Possible Minor Mischief
Reg CC & Tax Refund Checks
Deposit of Check Payable to Individual & Estate
Time Requirement for Paying Check Vs Draft
Check Inquiry on a Closed Account
Signer Added for Check Writing Purposes Only
POA Check Deposit Procedures
Business Signing Check Over to an Individual
Signature Required on Phone Stop Pays?
Business Endorsement Stamp - Required Verbiage
Remotely Created Checks & Reg J
Eliminating Money Orders
Returning Unauthorized Remote Checks Guidelines
CTR Completed in the Name Of?
Payroll Check Signed by Entity
Cashier's Check Lost in Mail - Reissue a New One?
Cashing a Check Made Payable to a Partnership
Improper LLC Endorsement?
Member Demanding Original Paper Checks
Cashier's Checks - Run OFAC on Payee
Deposits Under $5000 - Case by Case Holds
Time Frame to File an Affidavit on Forged Items
A Business Cashing Customer's Checks
Joint Tenants & Check Payable to "And"
Reg CC - Holding Funds on a Return Item
Custodial Check
Reg CC - Definition of New Account
Deposit of Decedent Check into Trust
Handling Business Checks
Check Fraud Victim - Protecting Business Name Time Frame for Returning a Stale-dated Check
Cashing On-us Checks for Non-customers
Check Cashing by Business Account Signer
Check Privacy Issue
Funds Unavailable - Returning Check
Check Imaging
Deposited Spouse’s Estate Check into His Account
Timeframe for a Treasury Check Return
Over the Counter Check & Deposit Record Retention
Hold on a Traveler's Check
Is a Check Good Forever?
Official Checks - 3rd Party Online Bill Pay
Should These Checks Have Been Returned?
Check Verification Service - Customer Disclosure
Reg CC - Checks Issued by a Finance Company
ARC Rules
"Without Recourse" - Ramifications & Restrictions
Uncashed Check from a Closed Business
Cashing Deceased Spouse's Checks
Reg CC - $100 Availability
Check Imaging
Who Takes the Loss?
Canadian Checks Subject to Reg CC?
Hold on Cashier's Check
Timeframe for Unauthorized Check Return
Customer Refused to Endorse Check
Government Check - Funds Availability
Cashing Treasury Checks
Checked Returned Within 48 Hours
Cash Withdrawal Limitation - Funds Availability
Non-customer SSNs on Check
Authorization Implied?
Timeframe for Collecting on a Forged Endorsement
Reg D - Business MMDA Checks Made Out to Signers
Missing Indorsement - Check Return
Furniture Store Acting as a MSB
Refusing Checks Due to Restrictive Endorsement
Seven Day Time Limit
Large Return Notification on Returned Check?
Acceptable Endorsement
Third Party Privacy Hold
Check Payable to Two People with No "And" or "Or"
Return of a Counterfeit Check
Redeposited Checks - Two to Four Day Return Time Frame
Cashier's Check Returned Stop Pay - What Now?
Cash or Bearer Check - Endorsement Required?
Check Return Governed by UCC or Reg CC?
Loan Disbursement Check - Next day availability
Endorsement Required on Check Made to Cash?
Sending Items for Collection to Avoid Fraud
Reg CC Hold on Escrow Check
Funds Availability on a New Account Hold
Deadline for Returning a School Warrant
Out of District Items
What does TOD Mean?
Treat Them as an MSB?
Check Deposited into POAs Account
Extenuating Circumstances
What about a Check Scanner?
Is Imaging Front of Check a Legal Copy of a Check?
Remote Deposit Banking
TIN, Please
U.S .Treasury Checks - Personal Endorsements
Affidavit Required?
Validity of Claim on Remotely Created Check
Stop Payment on a Memo-posted Check
Check 21 Disclosure Notice
Endorsing Checks in Pencil
Reg CC Holds - 2 Scenarios
Personalized Starter Checks - A Fraud Deterrent?
Obligated to Inform Other Bank of Check Kiting?
Security Features on Checks
"Void after 90 Days" Enforced Under UCC?
Filing a CTR - Check is Over a Year Old
Forged/Altered Check Charge Back
Reg CC & Traveler's Checks
Check Cashing - Hold Notice
Hold Liability
Check Fraud Reporting Time Frame
Imaged Check Retention
Foreign Collection Item Hold
Are We Aiding Customer in Avoiding a Levy?
Customer's NSF Sent for Collection 16 Years Later
Be More Proactive about Fraud Detection
US Treasury Check Endorsement Issue
Paying Director's Uncollected Funds Check, No Fee
CTR Filing - Deposit Made After Check Cashing
Stop Pay - Reason Required?
Incorrect Check Number Given on Stop Pay
Honoring Checks Written by a Minor
Privacy Act - Account Numbers on Back of Checks
Check Written in 2002 and Paid in 2007
Protecting Checks from Alteration
EFT Check Collection
Cash Back on Business Account Deposits
Re-ran NSF Check - Came Back as a Stop Pay
Holds on Canadian Checks
$10 Fee for Cashing a $15 Check
Charging Back a Returned Item to Another Account
SSI Check Deposit Account Restrictions
Check Imaging & Reg E Compliance Issues
Reissuing Cashier Checks
When is a Check Considered Stale Dated?
File a SAR In Lieu of a CTR?
Internet Stop Pay Time Frame
Minor Payroll Check Cashing
Checking/Savings Statements
Signing Over a Government Check
Counterfeit Cashier's Check Recourse
Personal Money Order Procedures
OFAC Check on Cashier's Check Payee
Training on Reg E - Checks are Covered?
Notifying Customer of Hold
3rd Party Check – Endorsement Verification
Stop Pay on NSF Item?
Number of Times an NSF Item Can Be Presented
Free Checking?
Stop Pay on a Ripped Up Cashier's Check
Anonymous 'Remitter'?
Forged Check Return Rule
Employee Check Kiting
Charge an Overdraft Fee & Interest Fee
Returned Check Accountability
Remote Deposit Capture - - Should Our Bank Buy an IRD Printer?
Cashier's Check or a Teller Check?
Non-notification of Large Return Item
3 year Statute of Limitations - Beginning Date
Forgery of an Electronically Converted Check
$5000 counterfeit check - File a SAR?
Missing Indorsement on ATM Deposits
Replacing Dot Matrix: Banks Build a Business Case
Reg CC - Remotely Created Checks
Reg D - Cashiers Check Payable to a Third Party
Stop Pay Dilemma
Late Return of Forged Item. Who Takes the Loss?
Reg CC - Collected Balance Vs. Available Balance
We Are the Business! Now Deposit Our Check!
Refusing to Cash Government Checks
Always Follow the 90 Day Rule?
Social Security Check Offset
Deposit Check Payable to Trust in Personal Account
Remote Deposit Capture
Recourse Against Account on Returned Check
Valid Reasons for a Stop Payment on a Check?
Reg D - ACH Transaction a Check or E-Transfer?
Depositing Personal Checks into Business Account
Reg CC's 24 Hour Rule
Check Collection Procedures
Custodial Check Cashing Against a Minor Account
Reg CC Sample Merchant Agreement
Is VOID like a Stop Payment?
OFAC Check on All Parties in a Wire Transfer?
Technological Leaps and Law Enforcement Thresholds: Why Financial Fraud Continues to Rise
Reg CC Charge Back Rights Disclosures
For Deposit Only
New Account & Large Item Exception Holds
Bad Certified Checks
Reissuing Cashier's Checks
Manual Check Issuance in the Branch Leaves Door Wide-Open for Fraudsters
SAR Filing on Counterfeit Checks
Putting the Customer's SSN on the Back of a Check
Check Printing Risk Assessment: Careful Considerations Serve as Useful Buyers Guide
Time Frame on Checks Held for Collection
The USA PATRIOT Act & the Irate Customer
Endorsed and "For Deposit Only"
Contesting a Stopped Cashier's Check
Check Payable to Cash Cashed by Anyone?
Why Financial Fraud Continues to Rise
Fees for Overdrafts and for Returning Checks
Returning Remotely Created Checks
Premiums - Bonuses & Gifts
Checks Made to Doctor When Clinic Should be Payee
Deposit of Check with Ambiguous Payees
Recourse for Denial of Late Claim
Unauthorized Computer Generated Check
Difference Between "Special Deposit Tickets" & Deposit Tickets
The Teller and the Two Party Check
Cashiers Check Made Payable to Cash

Check Verification & the Privacy Act
Large Print Checks for the Legally Blind
Proper Endorsement of POA
Direct-deposit of Employee's Payroll Check
Returning an Unauthorized Telephone Check
Is "Refer to Maker" Still the Last Resort?
Reg CC Holds - Notification of Large Item Return
Attempting to Deposit a Fax Copy of a Check
Cash an On Us Check for Person on the OFAC List?
Reimbursing the Paying Bank for Forged Item
Checks Drawn on a Correspondent
"Do Not Write Below " Legend on Check Backs
Check Cashiers CIP Requirements
Improper Reasons for Returning a Check
30 Days or 24 Hours for Discrepancy, Who Loses
Laws Governing Special Endorsements
Stolen checks, two banks: Who pays?
Popping the Fraud Balloon
Counterfeit Check Responsibility
Counterfeit Cashier's Check, Who Pays
Check 21 Endorsement Importance
Check 21: Using Replacement Documents
Merging Data from Different Check Imaging Systems
Float on Imaged Items
Check 21: After the Deadline
Preparing for Check 21
Legality of Printing Money Orders
Check 21 & Fraud Reduction
Check Imaging Advantages
BOFD, What is this?
Reg. CC and Privacy Excuses for Non-Availability
Reg. CC and Treasury Checks
Free Accounts with Low Balances Cost Us Money
Forgery Denied Because of Customer's Presence
UCC: Practical Application
Check 21: The Basics and More
A Consultative Approach To Check Truncation & Image Exchange
UCC: Practical Application, Part II
Legal Requirements for Checks
Without Prejudice Endorsement
What You Need to Know About Check 21
Jointly Payable Checks Where One is Deceased
Remitter as Purchaser
Using image technology beyond bank-to-bank check image exchange
Meaning of P.E.G.
Understanding Multiple Transactions and CTRs
Completing CTR Correctly on Check Cashing
Check 21 to Improve Efficiency in Processing
Dollar Threshold for Check Kiting SAR
Customer Trying to Cash NSF Item
Exchanging Images Under Check 21
Noncustomer Check Cashing Fees for Tax Checks
Check Image Exchange - Metcalfe's Law In Action
The importance of image quality for check image exchange
Devising a check image exchange strategy for your bank? Don't overlook the importance of image quality.
When a Check Lacks a Date
Why No Stop Pays on Cashier's Checks?
Brintech Position Paper: Check Imaging
Will Check 21 Reduce Fraud
Ordering Checks for a Revocable Trust
Payees Making Payors Initial Back of Check
Standard of Care for Adding Joint Owner
Missing Endorsement Issue Surfaces Years Later
What Does "Endorsement Cancelled" Mean?
Software solutions for image exchange
Is image exchange software the solution?
Your customer put the checks in the wrong envelopes. And they cleared. What's your responsibility?
Customer Reaction to Image Statements
Can Only Officers Approve Checks?
Non-expiring Stop Payments
Stopping a Collection Item
Timing for Hold Notice
CTR When Cashing Checks for Others
Agent for change
Fraud in a 'Check 21' Environment
Forged Checks Affidavit
Using 'POA' as a Restrictive Endorsement
Definition of Third Party Check
Check 21 readiness: a primer
Check Payable to One Person for Another
Check 21 and Electronic Check Conversion
Noncashable Checks
Definition of Third Party Check
Cashing Government Checks for Noncustomers
Employer Left Signed Blank Checks
Checking Check Payees Against OFAC List
Refusing to Accept Certain Kinds of Checks
UCC & Cashing Checks For Non-Customers
Cashier's Checks, Money Orders, and Certified Checks
Checks Payable to Minors
Depositing a Trust Check Into Individual Account
A New Degree Of Verification
Limit on Presentment of NSF Item
Old altered check problem
Liability Waiver on Lost/Stolen Checks
Bank's Responsibility for Fraudulent Check Deposit
Image exchange: get ready, here it comes.
Two Forgery Issues: Stolen Check Affidavits & Using Images Instead of Originals
Check 21 Standards: ASC X9 Statement on Check 21 Adoption
Electronic check conversion and angry customers
Fine Points of Determining "Local" Check
Punching the Routing Number
Missing Endorsements on Checks
Status of Check Truncation Act
Backing Up That "Gut Feeling" When It Comes To Check Kiting
Technology is Key to Defending Against Check Fraud
Transferability of Treasury Checks
Responsibility For A Forgery: The Institution vs. The Customer
Avoiding Overdraft by Stopping Payment
Revocation of Consent to Endorse Checks
Official Checks & Declaration of Loss
Oral Stop Payments and the UCC
Claiming Forgery on Old Checks
Cashing Third Party Checks
Taking Stop Payment Orders by Phone
Missing Checks: Who Bears Loss?
Liability for trust deposits into personal account
Accepting Deposit of Third Party Checks
Stop Payment on NSF Check
One Check, Split Deposit & Reg. CC
Stolen Check & Forged Endorsement
Altered Check: Who Pays?
Options For Placing Holds On Large Overseas Checks
Integrating Check Imaging and Internet Banking Systems
Hold options for large, non-local checks
Holds On Credit Card Checks
Forged Checks, Forgery Affidavits, and the FED
No Signature Card: Close Account?
Closing An Account
Stolen Check Returned Marked "Absence of Endorsement Guaranteed": Can we recover?
What is a "local" check?
NSF Check Issue
Check Paid Twice: Who takes the loss?
W/O Entry Return of Altered Payee Check
Forged Endorsement & Section 3-405
Reg CC: Previously Returned Unpaid Exception Hold
Time Frame To Contest Preauthorized Check?
Return Time: Altered Vs. Counterfeit Checks
Customers who encode their own checks
Electronic Check Guide Available From FED
STATUS OF ELECTRONIC CHECKING: We're Getting There!
Positive Pay For Smaller Companies
Reg D Limits & Check Withdrawal Phone Transactions
Can a non-English speaking customer write a check in a foreign language?
Who Is Liable For Altered Check?
Who Is Responsible For A Late Return?
What are the penalties for check kiting?
Cashing Living Trust Account Checks
Cashing Checks Made Payable To A Business
Endorsement Requirement On Checks Written To 'Cash'
Teller Confirmation of MICR Routing Numbers
Returning Fraud Checks Through Fed
Cashing A Check For An Authorized Signer
Pitfalls of Customer-Printed Checks
Online Bill Payment & Outstanding Checks
Customer Approval For E-Checks
Converting A Check Payable To A Corporation Into A Money Order
What rule allows a company to turn a paper check into an ACH transaction?
If payroll checks cashed for a business exceeds $10,000 in one day, does this need to be reported on a CTR?
Spotting A Scam: High Volume of Returned 'Checks by Phone'
Two-Party Check Endorsement
Responsibility For Large Item Return
Record Retention Requirement For Imaged Checks
Check Overdraft Programs & Reg Z Revisions
Overdraft Privilege and Customer Communication
Self Defense
Protecting Customers from Fake Cashier's Checks
Electronic Processing: Closer Than Ever!
Cashing Checks for noncustomer businesses
Recourse on checks
Reg CC & Credit Card Checks
Can a minor (age 5) endorse a check and receive cash?
Is the bank obligated to pay a check that was internally delayed for collection if there are insufficient funds?
"Void After 30 Days": On checks, what's our liability?
Are there certain checks that we are obligated to cash for non-customers?
Cashing or Depositing Third Party Checks
Who should you make a bank cashier's check payable to upon the death of the trustee?
Who has the right to certify a check?
Cashing Old (Very Old) Cashier's Checks
Definition: Without Entry Item
Deposits On Behalf Of The Customer & "Less Cash"
Negotiating U.S. Treasury Checks
Check Paying Order
Notification Requirements For NSF Checks
Can a Limited Liability Company have a beneficiary on their checking account?
Counterfeit Checks & Collection Letters: Time Limitations
How do you handle a ten-year-old certified check?
Checks: Discrepancies Between The Number And The Written Amount
Are checks (or imaged checks) required to be included in a customer's statement?
Interest Bearing Checking Account Disclosures
Order Used To Present Checks For Payment & Overdrafts
Cashier's Check: Deducting The Fee From A Business Check
Cashing Checks For Sole Proprietorships
Cashier's Checks Payable to the Issuing Bank
Inquiries about Paid Checks
Restrictive Legends on Checks
Cashing Corporate Checks
Cashier's Check Requirements
Where Old Cashier's Checks Go To Die
Check Clearing: When can we send an image in place of the original?
Check Endorsement: Can a trustee deposit (trust) checks into his personal account?
Cashing Treasury Checks: Is it mandatory?
Check Endorsement
Cashier's Check Fraud: Is there a time limit for returning the cashier's check?
What's the difference between a cashier's check and a certified check?
Check Posting Order & Wrongful Dishonor
CD Funds Disbursement
To whom should a Cashier's Check be made payable?
Is a bank required to rerun a dishonored check?
Remitter Requirements For Cashier's Checks
Check Review Threshold - What Is the Standard?
Customer Negligence and Signature Stamp
Check Cashing: Cash Back For Sole Proprietor Accounts
Cashing Checks Payable To The Institution
Can a financial institution post checks in any order?
Cashing Checks Drawn On DBA Accounts
Certified Bank Draft vs. Cashier's Check


Check 21/Check Truncation Act

Copy of Check Requested – Give Disclosures?
Check 21 Disclosure - Return Deposited Items
About Claims for Recredit
Converted Item Return
Customer Demanding Original Check Not the Image
2nd Generation Remote Deposit
Remote Deposits
Offering E-Deposits - Compliance Issues?
Check 21 Substitute Check Policy Disclosure
What is Check 21?
Does Check 21 & Image Exchange Preclude Reg CC?
Check 21 Disclosures
Check 21 Disclosure Notice
Forgeries and Check 21
How Should the Customer's Agreement Handle ACH/ARC vs. Check 21?
Remote Deposit Capture - - Should Our Bank Buy an IRD Printer?
Replacing Dot Matrix: Banks Build a Business Case
Remote Deposit Capture - Who is Responsible for Images in Service Bureau Environment?
Check 21, Remote Deposit Capture and Check Fraud
Remote Deposit Capture
Check 21: Using Replacement Documents
Check 21 & Fraud Reduction
Check 21: The Basics and More
Check 21 Endorsement Importance
Float on Imaged Items
Check 21: After the Deadline
Preparing for Check 21
A Consultative Approach To Check Truncation & Image Exchange
New Check 21-related Developments
What You Need to Know About Check 21
Check 21: The Basics and More
Exchanging Images Under Check 21
Check Image Exchange - Metcalfe's Law In Action
Devising a check image exchange strategy for your bank? Don't overlook the importance of image quality.
Will the Check 21 enhancements reduce fraud?
Will Check 21 Reduce Fraud
Agent for change
Fraud in a 'Check 21' Environment
Check 21 readiness: a primer
Checklist for Image Exchange Solutions
Check 21 and Electronic Check Conversion
How Will Check 21 Affect Reg CC?
Transition to Check 21
Image exchange: get ready, here it comes.
Check 21 Standards: ASC X9 Statement on Check 21 Adoption
Electronic check conversion and angry customers


CIP
Wire Sent Via Public Fund Deposit Program
FinCEN CIP ACP Ruling
BSA/AML Changes
CIP for Foreign Private Investment Companies
CIP – Savings Bond Purchase
Fine tuning CIP to deal with customers who are minors
Applying CIP to an absent service member's account
Valid ID for Non-citizen Account Opening
Non-resident Alien - CIP Documentation
Partnership Reporting
CIP on a Participation Loan
No Accounts, but Customers for CIP Purposes?
Defining the customer for non-profit organization accounts
CIP requirements for accounts of service members
CIP on Loans Via Acquisition
CIP on Church Signers/Trustees
CIP - Valid ID Number
CIP on Former/New Customer
CIP on an Irrevocable Trust
CIP – Employee Online Account Viewing
Cedular Card
Identifying information
CIP & OFAC – CD Account Opening
CIP – POA & Legal Capacity of Incarcerated Person
Recordkeeping of CIP Information
CIP - Corporate Loan Guarantors
Does this Translate into a BSA/CIP Violation?
Patriot Act/CIP Disclosure
MSBs and the BSA
The Current Economic Crisis and New Accounts
Patriot Act Forms & Living Trusts
Community College Account – CIP on Signers?
CIP for Irrevocable Trust
Regulation Governing Account Opening Refusal
Opening Business Accounts
CIP & IOLTA Accounts
Old Customer, New Signature Card. CIP Required?
Required to Open Account for Prisoner?
CIP Verification Checklist - Commercial Borrowers
CIP - IRAs & HSAs
UTMA Ownership
CIP Documentation - Court Ordered Accounts
Crime in Progress
Adverse Action List for the Examiner
Unfamiliar Forms
Government Agents/Employees Exempt from CIP?
Update Existing & Merged Customer CIP Information
The Amish & Non-Interest Bearing Accounts
Pre-CIP Accounts
Can We Combine our BSA, OFAC & CIP Policies?
Patriot Act & CIP - Minor Identification
Sole Proprietor Using EIN to Open a Now Account
Using Existing CIP Procedures to Verify Identity
CIP - Use Print Out In Lieu of Filed Articles
CIP - Bank Director Refinancing Second Home
Address in the CIP File
Customer Identification Programs
CIP Notice Verbiage
CIP Documentation & Sole Proprietorships
Patriot act & Existing Customers
Car Dealerships - CIP & Due Diligence
Setting Up a Minor Representative Payee Account
HOAs & the USA Patriot Act
Effective Date of CIP Physical Address Rule
POA CIP Requirements
Copy Credit Cards for CIP Documentation
BSA Board Training
LLC Account Opening
Online Accounts & CIP
Opening New Accounts Via Mail
Nonresident Account Opening
CIP of Nonprofit Signers
Interagency BSA (Bank Secrecy Act) Guidance
CIP Requirements & Foreign College Students
Living Trust - CIP the Beneficiaries?
CIP Info When Adding Account Owner
Interagency BSA (Bank Secrecy Act) Guidance
CIP on Shared Loan
CIP - Public or Government Account Signers
CIP on Denied or Withdrawn Loan?
Say Uncle?
Send Me No Mail
CIP - College Student Physical Addresses
Using Risk Analysis for Efficient Compliance Programs
Automating Your Fight Against Mortgage Fraud
Setting Scoring Thresholds Based on Risk for Automated Customer Identification Program (CIP) Screening Software Tools
USA PATRIOT Act Confusion
CIP Requirements- 4 Basic Criteria on all Signers?
CIP on Municipal Account Authorized Signers
CIP - Church Youth Group Account
CIP Proof in the File
To File or Not to File, That is the Question
SSI Removed - Restyle the Account?
Authorized Signer Requirements
CIP on Authorized Signer
CIP on Safe Deposit Box Signer
EIN Required on all Estate Accounts?
Copy of Green Card in the Loan File
CIP - Logical Verification
CIP Form Record Retention
ID and Re-ID for CIP?
POD's SSN Required?
CIP - Indian Tribe Account
Customer Has a PO Box but No Physical Address
Opening Accounts for New Amish Customers
CIP of Local Government Entities
Secondary ID
CIP on Purchased Loans
New Account Verification
Required Beneficiary Info for CIP & KYC
CIP Notices on State Chartered CU's Website
Non-interest Bearing Estate Account
Copy of Drivers License in the Credit File
Business Account CIP Files
CIP & OFAC Record Retention Guidelines
ID Verification Via Mail for HSAs
CIP - Domestic Financial Institution Accounts
Verify Both Buyers and Sellers for CIP?
CIP on Expired ID
CIP ID Specs
Customer Won't Allow Bank to Photocopy License
Opening an Account with a Puerto Rican ID
Loan Customer an Existing Customer for CIP?
Patriot Act ID Verification on the Other Owner
Two Good Forms of ID for CIP
Lobby Notice Requirements Chart
CIP for Non-resident Alien Sole Proprietorship
Beneficiary Information for POD or ITF Accounts
ID for the Patriot Act
CIP & Loan Participations
Check Cashiers CIP Requirements
Joint Business Checking Account
CIP Use of a P.O. Box for Mail
CIP on a Recurring But Closed Customer
CIP record retention
Retaining I.D. in CIP loans
CIP & SSN Verification
CIP & IRAs
CIP & Purchased Loans
CIP: Is a guarantor a customer or a non-customer?
CIP Record Retention
Changing Signatures on CDs for CIP
Posting CIP Notices in Branches
Section 326: Where is the government list?
Why Require a TIN for an Irrevocable Trust?
CIP and Savings Bonds
Explicitly Mentioning the PATRIOT Act on Lobby Notices
Obtaining Identifying Info for Old/New Customer
CIP and the High Risk Customer
CIP and a UTMA Account
Verifying Residence Address
Photocopying SS Cards
Prohibitions on Copying Driver's Licenses
CIP and ATM/Debit Card Accounts
CIP on Construction Loan
CIP and Business Customer TINs
CIP and Security Deposit Accounts
Using the FinCEN Information Request List
Where to Include the ID Section
If Your Customer Needs an EIN
Existing Customer vs. Former Customer
CIP and Denials
Passports and U.S. Citizens
CIP Record Retention Requirements
CIP & SAR Filing Requirements
The MATRICULA CONSULAR: BIG Problem - Accept It Or Not?
Penalties for CIP Violations
CIP and Savings Bonds
KYC vs. CIP
CIP and Indirect Lending
CIP and Guarantors
CIP and Business Loans
CIP Procedures, Guarantors, and Co-borrowers
CIP & Purchased Loans
CIP and Rural Addresses
Fines for CIP Noncompliance
CIP and Shareholders
CIP and Birthdate Info on Loan Apps
CIP and Public Records
CIP: Requesting By-Laws
Loan Apps and CIP Changes
CIP and Credit Reports
CIP Notices to Loan Customers
CIP and Trust Customers
CIP & SSN Requirements
Combining the Patriot Act Disclosure with the Privacy Policy Disclosure
Using Credit Reports to Satisfy CIP Requirements
Using Your Old KYC Policy To Create Your New CIP
CIP and the PLEASE System
Handling a Customer Who Refuses to Update Signature Card
Verification & Restricting Account Access
Checking ID? Look at the Big Picture
Spotting High Risk Clients
A Dozen Steps to CIP Compliance
Decisions, Decisions
Checking Your Customer Identification Program
Relying Upon a Third Party for Verification
CIP Slack: Burdens you escape
Customer Information Procedures
USA PATRIOT Act USA PATRIOT Act Frequently Asked Questions
Section 326 Revisited Photocopying and Foreign ID Directives Considered
Section 326 Takes Over: "The Devil Is In The Details"
Restricting account activity awaiting verification
EIN for an estate account always required?
CIP - Identification of Minor Required?
Amish customers without IDs or SSNs
CIP verification of purchased retail contracts
Loan Customers Subject to OFAC and CIP?
CIP and P.O. Boxes, Mailboxes Etc., UPS Store
CIP lobby notices
Escrow Accounts and CIP
CIP Identity Verification
CIP Policy vs. Procedures
Multiple Signers - ID All? P
Pre-USA PATRIOT ACT Verification of ID Required?
CIP and Indirect Lending
How to CIP Your Loan Customer
Lending and Customer Identification Programs: An Introduction
Preparing your board
Training Scenarios
Verifying Authorized Signers Under CIP
Tribal ID Acceptable for CIP?
Whose identity must you verify?
CIP Risk Assessment
Angry Customer Due to New CIP Requirements
Turning the Ideal Prospect into the Ideal Customer
PATRIOT Act Disclosure
Verifying ID: What should you accept?
Documents Required To Open A Business Account
Non-Customers & CIP
CIP & Mortgage Lenders
Online Loan Applications, Disclosures, and CIP
Evaluating Fraud and PATRIOT Act Solutions
CIP: Record Retention For Business Account Information
CIP: Verifying Student Loans
Identification of Totten Trust Beneficiaries
BSA TIN Requirement & Religious Beliefs
OFAC & PATRIOT Act Deadlines: What can wait?
What's the difference between KYC & CIP?
Online Activities & CIP
CIP and compliance with other laws
CIP Customer Notice Sign Size Requirement
Verifying The SSN & CIP
CIP ID If Institution Is Corporate Fiduciary?
IDENTITY CHEK compliant with newly released Section 326 of the USA PATRIOT Act
Mutual Banks, Customers, and Section 326 -- Lexis/Nexis
Funds Transfer: Are customer e-mail instructions valid?
Non-Resident Signer With No SSN
Retention of Loan Customer Driver's License Info
Identity Theft
The Identity Validation Conundrum
Requiring Original POA Document To Open Account
What documentation should we require to open a deposit account for a political party?
Opening Account for Non-Resident Alien
Updating BSA Policies To Accommodate Section 326 Rule
Opening Account With Assumed Name Certificates?
USA PATRIOT ACT: When does our CIP Program have to be in place?
Preparing for Section 326
Collecting Monitoring Information During Phone Applications
Military ID Cards
Proposed Rules on Customer ID Just Issued
Who are you?
CIP Program Implementation Deadline
CIP Compliance Delayed
USA PATRIOT Act: CIP & Photocopying The Driver's License
Strengthening Your Customer Information Policy & Procedures
CIP Rules & Photo ID
Customer Identification Requirements & The Amish
Proposed Rules on Customer ID Just Issued
The Proposed Customer Identification Regs: New Requirements for Knowing your Customers
Comment Period for Proposed CIP Regulation Draws to a Close


Citizenship Status
Non-Resident Alien - Non-Interest Bearing Account
Asking an Applicant Their Country of Birth
Foreign Exchange Student Account - Acceptable ID
CIP Requirements & Foreign College Students
Foreign Account Holder - No TIN
Determining Citizenship Status


Civil Money Penalties
Compliance with the OFAC Program
Force Placing Flood on Lapsed Policy
Penalty for HMDA, CRA Submission?
Your Existing Loan Portfolio: Does It Comply With The New Flood Insurance Requirements?
BSA Enforcement: Expensive!
Penalties for CIP Violations
Civil Money Penalties?


Claims
Reg E – Handling a Chargeback
Check Return
The Daughter & the Debit Card
Reg E – Debit Account after 90 Days?
Deny Disputes Due to Lack of Cooperation?
The ATM in Spain
Canceled Online Transaction – Provisional Credit
Customer & Merchant Debit Card Dispute
Affidavit of Forgery
Reg E - Dispute Time Frame
Reg E – Written Complaint
Returned Counterfeit Items Recourse
Remote Check Return Rules
Reg. E Dispute - Investigation Exceeds 90 Days
Return of Unauthorized Paper Debit
Provisional Credit & the Questionable Customer
Does a Chargeback = Provisional Credit?
Reg E & ACH Disputes
Reg E – 10 Business Day Timeframe
Merchant Refund Refusal
Reg E - Cardholder Liability & Merchant Chargeback
About Claims for Recredit
Forged Endorsement – Course of Action?
Reg E Explanations Needed
URCC Claims
Reg E – Denying Disputes & Customer Notification
Government Check Signed Over to a Third Party
Reg E Fraud Claim Time Frame
Bogus Reg E Claim
Unauthorized Item Disputed - What Do the Regs Say?
ATM – Disputing an Unauthorized Use Claim
Reg E Claim Time Frame
Error Resolution Investigation - No Fees Allowed?
Merchant Replied Late – Claim Monies from Customer
Waiting 7 Months to Dispute Card Transactions
Cardholder Dispute
Give Unsatisfied Customer Provisional Credit?
Time Frame to Return Altered Item
Settling Reg E Claims
Reversing a Premature Reg E Claim
Check Card Dispute - VISA Zero Liability Rule
Hotel Charge Disputed by Customer
Check Paid to 2 Businesses Endorsed by 1 Business
Forged Signature Claim Timeframe
Reg E Claim – Card Not Lost or Stolen
Reg E Claim - Customer Disputing Amount Charged
Reg E Error Resolution - Unauthorized ATM withdrawals
WSUPP Processing & Provisional Credit
Bank Liable on Forged Signature Claim from Jan 05
Unauthorized Transactions - Police Report Required?
Returning Unauthorized Remote Checks Guidelines
Reg E Foreign ATM dispute
Late Return or Not?
Reg E Claim Denied on Friendly Fraud?
Foreign ATM Reg E Claim
Reg E Problems
Reg E - Recurring Service Cancelled by Customer
Seven Day Time Limit
EFT Claim - How Could this be Valid?
Returning Remotely Created Checks
Gas Pump Debit Card Charge Dilemma
Recourse for Denial of Late Claim
A Resource to Refuse Claims from the Drawee Bank
Self Defense
Question & Answer
Question & Answer
Question & Answer
IN THE NEWS - We thought Bank Losses Were Bad!
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Non-Negotiable MEANS Non-Negotiable!
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
What'd You Say?
Question & Answer
Are We Liable?
"A New Branch? That's News To Me!"
EDITORIAL -"I HATE it when that happens!"
Junior Forged The Checks
Pay-Over-Stops: Not Necessarily Your Loss
Question & Answer
Social Security Security Agreement
Reg E Claims…Reminder


Closed/Closing Accounts
Closing Trust Acct – Check Payable to Trust Owner
Must Customer Sign the Account Closing Form?
Check Kiting - SAR Filed
Debit/EFT Coming Through a Closed Account
DDA Agent Closing Account
Closing Account Receiving Government Benefits
Refusal to Close Debit Card – Bank Liability?
LLC Checks Deposited into Personal Account
Reg. E - Errors on Closed Account
Reg D - Transfer Violations
Agent Closing UTMA Account
Account Closing – Pay Check to Signer or Business?
Placing Longer Hold Due to Fraud
Death of Joint CD Owner - Account Closing Penalty
Reg E Provisional Credit for Closed Accounts
Account Closed by Agent/POA
Customer Refuses to Close Account
Uncooperative Canadian
Removal of Joint Owner
Account Closing Form Letter Due to SAR Filing
Check Inquiry on a Closed Account
Close the Accounts to Be on the Safe Side?
New Customers - Returned Mail
Account Ownership Change
Owner(s) Closing an Inc. Business Checking Account
We Might Have a Kiter - What Do We Do?
Uncashed Check from a Closed Business
Closing Money Laundry Suspect's Loan Account
Can We Close the Account after the CD Matures?
Reg D - Close or Reclassify the Account?
Suspicious Activity Account Closing Procedures
Wait Until the CD Matures or Close it Now?
Account Closing - Compliance Issues
Free Checking - Account Closing Fee
Closing & Reopening Accounts
Is Closing an Account Adverse Action?
Remove Incarcerated Member from LLC Account?
Procedure for Closing Overdrawn Account
Removing the Name of Joint Owner from an Account
Improper Reasons for Returning a Check
CIP on a Recurring But Closed Customer
Undesirable Customer
Obtaining Identifying Info for Old/New Customer
Deleting a Name on a Checking Account
Liability Waiver on Lost/Stolen Checks
Separate EINs for Same Business
Suspicious Activity & Stop Payments
Reopening Account Closed for Reg D Violations
Stopping Auto Debits For Closed Accounts
Account Styling: Converting a Partnership Account to a Sole Proprietorship Account
Handling a Customer Who Refuses to Update Signature Card
Can we refuse to cash an on-us check for former bad customer?
Are Former Customers Considered "New" Customers?
Database Of Closed Accounts
Closing An Account
Can We Close Abusive Customer's Accounts?
Account Closing: What to do if you can't locate the customer?
Can we close an account if we feel that a customer is up to no good?
Repeated Overdrafts: Customer Notification Rules To Close An Account
Reopening Old Checking Account
Divorce, Disputed Disbursements & Freezing The Account
Account Closing & Debit Card Transactions
ISP Charges To Closed Customer Accounts
Reopening Closed Account To Receive Overdraft Payments
Joint Account: Who's responsible for checks written after account closing?
Closing Accounts Suspected Of Criminal Activity
Closure Notice Due To Too Many NSFs


Closed Circuit TV
An Alternative to Current Image Technology
Surveillance Video
Improve Your Physical Security
Turning Video Over to Police – Subpoena Required?
Surveillance Cameras at the Safe Deposit Box Vault
Old Video Tape Technology & Bank Liability
Safe Deposit Access in Vault
Is a Surveillance Camera Part of Dual Control
Surveillance Film
His Moment of TV Fame Caught Him
Guidelines For Saving Security Camera Tapes
Question & Answer
Question & Answer
New Security Camera
New Tools to Fight Crime
Question & Answer
IN THE NEWS - Video Alert
What if They Want a Copy Of Our Picture?
CCTV Tapes
Question & Answer


Coin
CTR - Exchanging Coins for Currency
CTR Filing - US Mint Coins
Compliance For Counting Coin


Collateral
Force Place Flood – Adding New Collateral
Savings Account as Loan Collateral
RESPA – Lot Loan Renewal
Vacant Property as Collateral - TIL Disclosure
HMDA/Gov Monitoring on Applicant & Co-signer
GMI Collection – Purchase of Primary Residence
Home Mortgage Refinance - Flood Search Required?
Flood Determination Request
Do a Flood Determination for Each Property?
POD Account as Collateral on Loan
Mobile Home as Collateral – Do a Flood Search?
Flood Insurance – Bank Owned Collateral Property
Deed of Trust as Collateral – Give ROR?
Shares of Bank Stock as Collateral
Tainted Appraisal?
Collateral Mortgage on Parent’s Residence - ROR?
Revolving LOC Secured by CRE with a Low LTV
Hold Car Title as Collateral Against Charge Off
Collateral & Purpose Codes
Travel Trailer as Added Collateral on Lot Loan
Mobile Home on Property – Loan on Land Only
Bank Failures, Uninsured Deposits & Loan Payments
RESPA on Rental Homes
401Ks & Qualified Retirement Plans as Collateral
Does this Loan Fall Under Reg U?
Reg Y - Foregoing the FIRREA Appraisal
HMDA Reporting - Home Purchase w/CD as Collateral
RESPA & Vacation Homes
Flood Insurance Coverage on Townhouses
New Security Agreement Required?
Timeshare as Collateral
Existing Home as Collateral - Give ROR?
Reg O - Defined Marketable Collateral
Reg O - Bancshares as Collateral
Dry Dock Slip as Collateral
Auto as Additional Collerateral on a HELOC
Manufactured Home Loan - Right of Rescission
Loan Secured by Stock
Landlord's Waiver
Financing Statement Expiration
Reg O - Readily Marketable Collateral
Collateral Release
One Vehicle + Two Loans = Confusion
Flood Determination Needed?
Wedding Ring as Loan Collateral
"No Value" Mobile Home - Use Land as Collateral?
New Home Purchase - Old Residence as Collateral
Mobile Home Lending and the UCC
IRA CD as Loan Collateral
RESPA - Using Vacant Lot & Home as Collateral
Using CDs as Collateral
Usurious Loan with CD Collateral
MPPP on a Non-Residential Condominium
Home As Collateral for Business Loan
HMDA Revision of Definitions/Rules
Rescission Rights on Collateral Swap
Can Bank Stock Be Collateral?
Can We Take A Qualified Annuity As Collateral?
Disclosure to Cosigners
Pledging a Jointly Owned CD as Collateral
Are your Internal Controls like Swiss Cheese?Part 8
CDs, Collateral, Insiders & Reg O
Are your Internal Controls like Swiss Cheese? Part 8
Using UTMA Account As Loan Collateral
Home Equity Loan, Rental Property Collateral, and HMDA
Does a security interest follow the collateral?
Loans, Collateral, & Bankruptcy
Collateral Grantor & Right Of Rescission
Can a commercial loan be made to a borrower if the proceeds are to be used for investing in an annuity?
Can we require a customer to maintain terrorism insurance on collateral?
Exchanging Loan Collateral
Requiring All Owners Of Jointly Held Accounts Used As Collateral To Sign The Note
Is there a regulation that requires a loan to be priced 2% above a CD rate (if using the CD as collateral)?
Will Your Collateral Remain Insured?
Savings Bond as Collateral
If a borrower leaves no forwarding address (but keeps the collateral vehicle), has he committed theft?
Implementing Fees For Changing Collateral
Can a money market account be taken as collateral (in Texas)?
Will Your Collateral Remain Insured?
Collateral Substitutions
Vehicle collateral


Collection Items
Foreign Check
Check Adjustment Timeframe Collection
Sending Items for Collection to Avoid Fraud
Foreign Collection Item Hold
Customer's NSF Sent for Collection 16 Years Later
Check Collection Procedures
Time Frame on Checks Held for Collection
SCRA & Collection Calls on Past Due Credit Cards
Invoking the Right of Offset
Exception Holds and Call Verification
Stopping a Collection Item
Limit on Presentment of NSF Item
Priority of Collection Item
Collection: Behavioral Scorecard For Delinquent Accounts
Collections: If there's a conflict, whose instructions prevail?
Requirements for Items Received for Collection
Question & Answer
Question & Answer - Collection Item


Comment Letters
CRA Comment Letter (Suggestions)
Proposed Regulation E Amendments: Something for Everyone -- Or Not?
OFAC Civil Penalties -- A New Proposal
Writing Comment Letters
SAMPLE COMMENT LETTER ON RESPA PROPOSAL
How to Comment
Watch Out - Here Comes DOJ!
Update Proposed for Reg E Commentary
FinCEN Proposes New Exemption Rules
Draft Model Comment Letter
FinCEN, KYC


Commercial Lending
Old House & the Dirt - Appraisal Notice Required?
Reg P & Commercial Borrowers
Commercial Purpose Loan - Required Disclosures?
Withdrawn/Denied Commercial Loan Applications
Commercial Loans
Commercial Loan – Provide Decline Letter?
Account Required to Obtain a Comm Loan – Follow Up
Credit Life on Commercial Note
New Reg Z - Business Purpose Loan
Commercial Loan – Adverse Action Timing
EHL logo on Commercial Loans
Commercial Loan - Appraisal Notice Required?
Account Required to Obtain a Commercial Loan
Commercial Real Estate Delinquencies
HMDA, GMI & Loans to Business Entities
Possible Regulation B Violations?
Business Loan Denial Notice
Flood Hazard Determination - Commercial Property
Commercial Loans – What’s HDMA Reportable?
Business Loan Partially Secured by Residence –ROR?
Credit Bureaus on Guarantor
Reg B Intent to Apply Jointly – Phone Application
Commercial Loan to a Sole Proprietorship
GMI Data on Commercial Loans
Newspaper Commercial Loan Advertising
Corporate Loan Regulation
DIC Insurance Policy In Lieu of NFIP Policy?
RESPA – Title Company Broker Fee
Business Purpose Statement
Combining a Consumer & a Commercial Loan
Reg B & Business Loans
FDIC Ruling Applicable to Commercial Loans?
Commercial Loan ARMs?
Reflect All Fees on HUD Prepared by a Title Co?
Loan with an ROR - Date Interest Accrual Starts
Reg B - Bulk Home Builders & Apartment Developers
Commercial Loan Referral - Paying a Finder's Fee
Reg B - Father & Son Joint Applicants
Automatic Rate Change - Mail Out Notice?
Insurance Disclosures on Business Purpose Loan
Flood Certification
Examiner Verification of RCV on Comm Property
HMDA Reporting - Commercial Loan Refinance
Business & Farm Loan Renewal Fee
HMDA Reporting - Commercial Loan Refinancing
Is the "Individual" a Consumer or a Business?
SMB Loan Portfolios
CREs and TDRs
Risk Management with Small and Mid-Size Businesses
Business Loan Disclosures
SMB Lending: Qualitative Risk Factors for Small and Mid-Size Businesses
Investment Property - Residential HELOC Financing
Commercial Loan Insurance
Commercial Loan - HUD Settlement Statement?
Commercial Loan Record Retention
HMDA File Review - LAR Requirements
Pay Off Quote - Customer Notice
Business Loan Collections
Commercial Loan?
Reg B - Unmarried Couple Borrowing Jointly
Balloon Disclosure
HOEPA & Business Purpose Loans
HMDA - Business Loan on a 1-4 Family Property
Business Loan Renewal - HMDA Reporting
Advertising Commercial Loans
RESPA and/or HMDA Applicable?
Business Purpose Loan Disclosures
Commercial Loans - Required Disclosures
Commercial Loan - HMDA Reporting
SCRA - Co-borrower Called to Active Duty
Commercial Loan Subject to Reg Z & RESPA?
Reg B - Business Credit Joint Applicants
Commercial Level Flood Insurance Amounts
Commercial Loan Agreements
Corporate Loan Complication
Commercial Loan with Guarantors
Oral Agreement Disclaimer
Credit Reporting on Guaranty
Commercial Real Estate Tombstone Advertisement
Commercial Lending Newspaper Advertisement
Commercial Mortgage Rewrite
Business or Personal Purpose Loan?
Commercial Lending Newspaper Advertisement
HMDA Reporting on Commercial Loans
Reg B - Commercial Mortgage
Commercial Loan Advances
Consumer Loan Becomes a Commercial Loan
Commercial Loans - Adverse Action Letters
Residential or Commercial?
Commercial Loan and Adverse Action Notice
Commercial Loans & Right to Receive Copy of Appraisal
Steps to Capturing Your Share of the Expanding Small Business Loan Marketplace
Are We Required to Send Monthly Statements?
What Defines a Business Loan?
Small Business Loans Combined
Commercial Loans & Right to Receive a Copy of Appraisal Notice
Is This HMDA Reportable
Necessity of new appraisal
Referral Fees for Commercial Referrals
Annual Financial Statements
The Only Thing Compliance And Commercial Lending Have In Common Is The Letter "C"
Commercial Loan Applications And Reg B
Commercial Loan Now HMDA Reportable
Home As Collateral for Business Loan
Monitoring Commercial Lines Of Credit
Are business credit cards reportable as small business loans?
Escrow for Income Taxes on Commercial Loan
Disclosures of Fees on Commercial Loans
Brokers, referrals, and commercial borrowers
CIP and Business Loans
Recognizing income for new businesses
Commercial Loans: Customer Copy Of Appraisal Required?
Spousal Signatures On A Business Loan
Builder Loans: Mortgage or Commercial Loan
Notice On Commercial Loans
HMDA & Renewing A Residence-Secured Business Loan
Commercial Loans Personally Guaranteed: Personal or Commercial?
Commercial Lending 101 - Part 1
Commercial Lending And Consumer Compliance


Community Development
Multi-purpose Classification
What Geographies would qualify for Community Development Activities?
CRA Reporting for Community Development Loans
Greenspan on Community Development Research
FRB Releases Community Development Tools
Bank Enterprise Awards
A Ten Year-$800-billion Commitment


Community Service
CRA Credit – Home Purchasing Seminar
Community Bank vs All Other Financial Institutions
Charitable Fund Raiser Advertised on Bank Website
Banks concerned as retail industry attracts profitable customer group with self-service technology
Fitting Into The Urban Scene
Appealing To Minority Businesses
Sail Art
Supporting the Arts
A Commitment to Community
Honoring Those Of The Community
Creditor of the Year
What CRA is Really About
CRA: Looking At CRA The Hard Way
Scrubbing Computers to Give Away
CRA Agreements Do Work
Supporting Public Broadcasting
Teaching Children to Save
Marketing Idea: Using Senior Gatekeepers To Increase Your Business and Customer Service
Employee Contests, Prizes, and Rules
School accounts and 1099s
Doing Good Deeds
Paying Up To Dress Down


Compliance/Compliance Management
Lending Compliance Officer – Role & Responsibility
The Economic Growth and Tax Relief Reconciliation Act
The Importance of the Bank's Code of Conduct
Foreign Shell Banks
PEPs
Banks and HIPPA
Wealth Management Department
Compliance with AML Regulations
Compliance with the OFAC Program
Educating Customers about Annunities
CIP requirements for accounts of service members
Checking the OFAC List
Revisions to the Red Flags Program
CRA Officer?
About Monopoly and Anti-trust Violations
Price Fixing and Bid Rigging
Mergers and their Regulation
Reg F Requirements
CRA Credit – Home Purchasing Seminar
Teller Training
Print Ad - Mortgage Lending Compliance
Banks and the New Accounting Rules
Fees for Risky Transactions?
Compliance with Reg FF
Compliance with Reg O
Complying with the new International ACH Transaction (IAT) Regulations
About the Home Equity Conversion Mortgage
Recent Bank Failures
Revisiting the Community Reinvestment Act (CRA) of 1977
Preparing for a Compliance Examination
Pulling Credit Reports
Privacy Notice
In-house Mystery Shopping
FCRA - Mailing Adverse Action Notices
Selling Compliance as a Service to Your Customer
Valuation of Development Property Assets
The FDIC's Capital Assistance Program (CAP)
Deny Loan on Possibility of Diminished Earnings?
Retention of Website Pages
Being in Compliance with TISA
FFIEC RDC Risk_Management
One Privacy Notice per Household?
E-statements & ESIGN Compliance
CRA Ratings and Compliance
Structure Changes of Corporate-Finace Departments
Red Flags Rule Compliance
Retention of Electronic Disclosures
Change in Terms Agreement
Tax & Insurance Premium Escrow Accounts
Definition of Permanent Takeout Commitment Needed
Tax & Insurance Premium Escrow Accounts
Credit Report Authorization Form Retention
Merchant Services Application/Agreement
The Number One Risk for Banks in 2009
Changes and Allegations of Non-Compliance
Listing Reason for Denying Loan Appications
PCI Compliance Risk
FFIEC Third Party Risk Management Compliance
Compliance Mistake #1: Making Compliance Tactical
Compliance Mistake #2: Viewing Compliance as a Point-In-Time Event
Compliance Mistake #3: Addressing Technology Without Addressing the Business
Focusing on Bank Standards and Policies
Failing Suppliers?
Red Flags in Your Vendor Population
Cost Effective 3rd Party Risk Management
RESPA – Compliance Vs Lender
Focusing Your PCI Compliance Effort
Communicating Compliance Risk In Business Terms
Cutting cost of vendor risk management
Monitoring supply chain risk in a world of financial chaos
Web Application Privacy Notice
Doing More With Less
About the Making Home Affordable Program
SAS 70 reviews for GLBA and FACTA Compliance
Ease IT Compliance with Industry Control Framework
FFIEC 3rd Party Risk Management Compliance the Cost Effective Way
Calculating Compliance Risk to Foreign Corrupt Practices Act (FCPA)
How to Map Compliance Controls Efficiently
Eliminate the Compliance Process Overlap
Streamline IT Control Testing and Remediation
Earning CRA Services Credit
No Longer Offering Business Credit Cards
How Banks Comply with OFAC Sanctions
Extending IT Compliance Coverage with Fewer Dollars
Cutting PCI Compliance Costs
Disclosure Differences Online
New Account Cash Bonus & the Toaster Rule
Deposit Insurance Fund's Effect on Banks
Your Vendors & Red Flags: What you don't know can hurt you
Provider List Requirements
Calculating Exposure to Payment Card Industry (PCI) Standards
FACTA – Medical Collections & Credit Decision
List of Notices to Post in Bank
Reducing Vendor Risk at the Lowest Possible Cost
Scoring Compliance to Identity Theft Red Flags
Required Website Disclosures
HERA 2008
Avoiding Risk with Paperless Transactions
Minor IRA Account Changes - Send Out Amendment?
1099 Form to Reimbursed Customer?
Required Website Disclosures
Knowledge-based Authentication and Red Flags Compliance
About the Temporary Liquidity Guarantee Program
Compliance Officer – List of Annual Requirements
Looking for a Financial Disclosure Notice
Obtaining New Account Information
Red Flag Checklist - Maintaining an Account
About the New Reserve Balances Interest Formulas
Proof of BSA/AML and Compliance Training
Red Flags Rule compliance - Do regulators expect to see a log of detected activity and resulting mitigation?
Taking management of investment portfolios from vision to strategy
E-statement Conversion – Signatures on File?
Setting up a Blog or a Facebook Page
Business Accounts - Charging Daily Interest
Going Away Celebration - Invite Retiree's Clients
To Whom Should Compliance Officers Report?
Teller Cross Selling Training
Using 'Secret Questions' for Identification
Compliance Info for Emailed DDA/SAV Statements
The Temporary Liquidity Guarantee Program (TLGP)
Shutting Down a Revolving LOC – Compliance Issues
The Identity Theft Prevention Program's Impact on Customers
The Key to Success: Put a little Basel (not Basil) in your Risk Management Recipe
Risk Assessments: What are Examiners Looking For?
Risk Management: It Starts at the Top
Balancing Risk and Reward
Reg R Section 218.701 Compliance
About ID Theft Provisions
Program Requirements for Red Flag Compliance
Calculating the Expense of Red Flag Regulations Implementation
Updating Consumer/Customer Complaint Policy
Dedicated Regulation O Officer
Red Flags - Verifying SSN & Date of Birth
What should be included in address discrepancy procedures?
CD Customers Negotiating Interest Rates
Staff Training for Red Flag Regulations?
Lobby Rate Board - Interest Bearing Products
Recording Customer Calls
Taking Phone Loan Applications - Compliance Issues
Red Flag Ruling: Two Forms of ID
Remote Deposits
Offering E-Deposits - Compliance Issues?
Crackdown On Compliance
California Financial Privacy Information Act (CFIPA)
Regs that Address Verbal Complaints
Spanish Mortgage Loan Disclosures
Thanking Non-Customers in Customer Newsletter
Requesting Copy of Credit Report Pulled at Bank
Advisory Director Liability
Fax from an Internet Law Firm - Must We Comply?
Compliance with the Appraisal Regulations
Protecting Customers from Politically Exposed Persons (PEPs)
Pulling Credit Bureau Report - Customer Notice
How can we help staff remember significant details?
Regs Triggered Due to Increased Asset Size
Train to be Competitive
About the Community Reinvestment Act
Bank Owned Property
Small Bank CRA Statement
Market Presence
Avoiding Bankruptcy
Sending 1098s
Roll Attorney's Fees into First Mortgage?
Flood Compliance & Master Certifications
Resending Returned Adverse Action Letter
Community Banks and the Banking Crisis
Continuous Overdrafts Fee - Notify Customers?
Hand Delivery of Adverse Action Letters
Using Risk Management Practices to Improve Small Business Liquidity
The Great Debate: Credit or Public Records Data
Foreign Corrupt Practices Act (FCPA) Compliance
Bank Statement Returned Mail Compliance
Avoiding AML and OFAC Risks
Rule Restricting Debit Card Gambling Transactions
The Bank of England (BOE) Watch List Has a New Name
Out of State Branchless Banking
Returning Paid Loan Documents to 401(k) Borrower
Send Out Revised Hold Notices?
Specific Geographic Areas
CRA Exam In Less Than Six Weeks
Intermediate-Small Banks
Customer Gift Giving
Compliance Publications for Foreign Corporations?
Required Audits
Annual Privacy Notice to Businesses
Maintaining Confidentiality
About the CAN-SPAM Act
Voluntary Disclosure of OFAC Compliance Violations
Ensuring Compliance with TCPA
Elder Financial Abuse Prevention
Compliance Officer Also Serve as CRA Officer?
Proof of BSA/AML and Compliance Training
Foreign Bank with US Branches
Resources for Compliance Training
Texas Property Closing
Mandatory Training
Summary of Regulations
Combining Compliance & Auditing
Examiner's Questioning Compliance Experience
With so many compliance regulations and information, how can we help staff remember significant details?
Bank Policies Approved by the Board
Uncertified Compliance Audit Manager
False Positives throwing off Compliance List Screening for OFAC
Compliance Procedures
Disclosing Experience in Banking
How Not to Quicken Compliance
Developing A Successful Bank Secrecy Program: To Catch A Crook, Think Like One
Doing a Compliance Risk Assessment
Identifying potential red flags can help develop effective compliance program
To Correct, or Not to Correct (Violations)
High Cost Mortgages: The Unsimplification of Truth in Lending
OCC Required Information, Mortgage Loans
Looking for Beginning Compliance Courses
Can Compliance Get Better?
The Only Thing Compliance And Commercial Lending Have In Common Is The Letter "C"
Commercial Loan Applications And Reg B
Risk-Based Compliance Exam Procedures
Educational Requirements for Compliance Officer
Writing a Policy
BSA Enforcement: Expensive!
CRCM and CBCO
How can I establish a compliance program in response to
the USA PATRIOT Act?
Where Should a Newbie Compliance Officer Start?
Loan Participation & Flood Requirements
BSA Compliance Matters
Bank in Dark Ages
Looking for Lending Regs in Print
Fines for CIP Noncompliance
Overriding lending policy
Flood Compliance Policy Guidance
Compliance Thirty Years After Agnes
Must the compliance officer be a senior officer of the institution?
What department should be responsible for CRA?
The Spirit of Compliance
Lobby Notice Requirements Chart
Updated BSA Audit Procedures
A Guide to Bank Compliance Research
When establishing a compliance department, who should the employees report to?
Collecting Monitoring Information During Phone Applications
Old, Moldy, and Out of Compliance
Preparing for the examination
Auditing loan files
Tips For Developing IT/InfoSec/GLBA Policies
Explaining Transactional Testing
Compliance Education For Mortgage Brokers
Certificate of Compliance & Local Authorities
How many hats should a compliance officer wear?
Troublesome Lending and Marketing Practices
Federal Regulatory Compliance Association
2001: What's Ahead for Compliance?
Compliance Issues for 2002
Outsourcing Technology Services
Regulatory Agencies: What Changes?
What Now?
Wisdom on Selling
Question & Answer
Words Of Wisdom From The OCC
Compliance In the New Millennium
Where oh Where…Is that Regulation?
Question & Answer
FDIC Has New Number to Call
OCC's Top Ten for 2000
Selling Privacy
Training for Directors
Compliance Burden
COMPLIANCE NOTES - The Consumer Advisory Council
EDITORIAL - Creating Regulatory Burden
COMPLIANCE NOTES - Tanoue on Regulatory Burden
COMPLIANCE NOTES - Free Information on State Laws
COMPLIANCE NOTES - Add to your Bookmarks
EDITORIAL - What's Next?
COMPLIANCE NOTES - Insightful Quotes
Compliance Checklist for the Future
FinMod What Regulators Are Thinking About
COMPLIANCE NOTES - They've Got Mail
National Consumer Protection Week
EDITORIAL - Who Does The Most Compliance?
Question & Answer
Compliance Support Freebies from the Feds
COMPLIANCE NOTES - Risk According to Hawke
COMPLIANCE NOTES - Outsourcing Advice
COMPLIANCE NOTES - Is Hawke Different From Williams?
EDITORIAL - And Speaking of Customer Service…
Question & Answer
COMPLIANCE NOTES - Looking For Ways To Reduce Burden?
COMPLIANCE NOTES - Pearls Of Wisdom
Compliance Management According To Allan Kraemer
Federal Agency Paperwork Budgets The Revenge of the Compliance Manager
Question & Answer
Compliance Before and After Y2K
COMPLIANCE NOTES - What Training Budget?
Modernization and the Regulators
COMPLIANCE NOTES - Finding the Fed's Regs
COMPLIANCE NOTES - FDIC's "Mailing" List
COMPLIANCE NOTES - OTS Updates Self-Assessment Guide
Banking Reform Hawke's Message to Consumers
Compliance Some Historical Prescience
Problems for the Future
COMPLIANCE NOTES - FTC After FCRA
Small Business Lending A Small Bank Niche?
COMPLIANCE NOTES - How Well Do Banks Comply?
ACTION TRAINING - Getting Everyone Ready For The Exam
COMPLIANCE NOTES - Regulation B's Proposed Paperwork Burden
COMPLIANCE NOTES - Internet Privacy Statements
Editorial: Process is Everything
COMPLIANCE NOTES - Switching Gears
Out of the Mouths of Regulators
Compliance Issues - Compliance According to Steve Cross
COMPLIANCE NOTES - Training Tip: Dealing with Sleepers
Examination Alert Consumer Complaint Policy
And We Wonder Why Customers Get Angry!
EDITORIAL - A New Century For Compliance
Documentation Saves Time…And Banks!
Guidelines on Outsourcing
COMPLIANCE NOTES – Use Those Re!
EDITORIAL-- What Good is Compliance Anyway?
EDITORIAL - Year 2000 - Whose Compliance Problem?
Question & Answers
OMB The Mysterious Paperwork Reduction Act
Year 2000 Agencies Issue Testing Guidance
EDITORIAL - Transition at the Fed
Consumer Issues As Seen By Former Banker COMPLIANCE NOTES - What's in a Name?
EDITORIAL - Can Small Banks Do Compliance Best?
EDITORIAL - A Formidable Showing Of Compliance Managers
Automation Tips From Andy
Customer Awareness For Y2K
More Automation Tips From Andy
COMPLIANCE NOTES - How Important Is Compliance?
EDITORIAL - Communication: What It Is Really About
More Automation Tips From Andy
EDITORIAL - Who Should Be Writing Regulations?
Question & Answer
Question & Answer
Question & Answer
Fiduciary Responsibilities and Year 2000
The FDIC Ombudsman: Is it Safe?
Question & Answer
COMPLIANCE NOTES - NCUA Keeps Taking Giant Steps
EDITORIAL - When Is Cutting Costs A Real Economy?
EDITORIAL - Out With The Old, In With The New
Compliance Training - Why, What, When, How?
EDITORIAL - New Horizons for Compliance
Managing a Year 2000 Examination
EDITORIAL - The White House Comptroller Flap
Garwood's Article Discusses Views on CRA
COMPLIANCE NOTES - Moderation in Regulation?
COMPLIANCE NOTES - Greenspan on Risk
EDITORIAL - The Only Thing Compliance And Commercial Lending Have In Common Is The Letter "C"
COMPLIANCE NOTES - Why Listen to Consumers?
COMPLIANCE NOTES - Garwood on Commenting
EDITORIAL - Making Compliance Work Better
Getting Recognition for Compliance
Getting Staff To Care About Compliance
COMPLIANCE NOTES - Being a Better Regulator
EDITORIAL - Self-Policing Can Prevent More Regulatory Burden
Views Of A Consumerist
Why Are Banks Special?
What Consumer Complaints Tell
EDITORIAL - Can Compliance Get Better?
Using A Little Help From Your Friends
EDITORIAL - Why Isn't Regulatory Burden Getting Better?
COMPLIANCE NOTES - Compliance "Call" Reports?
EDITORIAL - With Governor Lindsey's Resignation from Fed, Whither Compliance?
Guidance for Directors
Regulators What Regulators See As Hot Topics
Preparing For A Compliance/CRA Examination
More On The Year 2000
EDITORIAL - Some Comments On Commenting
EDITORIAL - Is There Life After Compliance?
Regulatory News:Risk Management
Compliance: An Exercise in Risk Management
Riskiest Compliance Regs… As Rated By The Regulators
EDITORIAL - Gaining Ground with Bank Management
CONSUMERS: Treat Them Right When They Complain!
Compliance Statistic
EDITORIAL - Use Consumer Complaints To Do Your Job!
EDITORIAL - The Pace of Compliance
Question & Answer
Question & Answer
Talking to Management
Some Advice from the Editor
EDITORIAL - Selling the Cost of Compliance
To Automate Or Not To Automate:That Is The Question
EDITORIAL - Legislating Intelligence
Compliance Management: Some Tips from Pros
Question & Answer
FFIEC Proposes Revisions to CAMEL
EDITORIAL - Share The Wear And Tear
Compliance Don't
Paperwork Reduction
Even Good Change Means More Compliance
Question & Answer
Participating In The Process: Commenting To Your Regulator
EDITORIAL - Don't Take It Sitting Down
Question & Answer
Who Comments If You Don't
COMPLIANCE NOTES - Justifying the Cost of Compliance
Truth in Lending Sample Comment Letter
Tips From The Regulators
Draft Model Comment Letter


Computers/Computer Software
Complying with the new International ACH Transaction (IAT) Regulations
Compliance Mistake #2: Viewing Compliance as a Point-In-Time Event
Compliance Mistake #1: Making Compliance Tactical
Considerations for BCP Software
Personalized Starter Checks - A Fraud Deterrent?
Enhancing the Security of Laser MICR Check Printers
High-End Copiers May Be a Security Gap
MICR for Your Printer
The Road to Microsoft Windows Vista in 20 Questions
24/7 Fraud Check
Email Tips
Printing Mailing Bar Codes on Your Envelopes
Tech Advice: Two Timesaving Tips
How Much Anti-Virus Protections is Enough?
Patches and Bug Fixes: Keeping Ahead of the Hackers
Calculating ROI for Network Security
Word Processing Tips - Auto Correct and Quick Correct Save Time
Make Your Windows Desktop Truly Your Desktop
Grab a Group of Files
Use Document scraps for "quick and dirty" document assembly
Organize Start Menus for Programs and Favorites Alphabetically
Scrubbing Computers to Give Away
Dragging and dropping text within a document
Selecting Text
Quick Printing
Secrets of the Right Mouse Button
The Toggle Shortcut
Software Piracy
ALERT: Remote Sendmail Header Processing Vulnerability
Updating Free (Or Undocumented) Software
An Alternative to Penetration Testing
Virus
IN THE NEWS - Biller-direct
Computer Security
IN THE NEWS - Working Or Surfing?
Did You Know…
In The News… How Secure Are Your Computers?
Is Your Software Legal?
Not Quite Full-circle...
The Sky's The Limit
WEB Sites
WHAT DO OTHER BANKERS DO? - Computer Crime Victims
Check Those Disks!
Computer Statistics And Losses


Computer Security
Effects of a Data Breach
Hacked PC – Who Takes the Loss?
Security in a Cyber World
Should we include intrusion testing as part of the scope of our third party review?
Network Vulnerabililty
The Importance of a Patch Management Program
Intrustion Prevention Systems: Do You Need One?
Viruses. Hackers. Cyber Terrorism
How Much Anti-Virus Protections is Enough?
Patches and Bug Fixes: Keeping Ahead of the Hackers
Calculating ROI for Network Security
Firewalls and Intrusion Prevention: Do you need both?
Scrubbing Computers to Give Away
Email Insecurity
Change Management for Technology
Computer Security Threats & Managing IT Resources
The Risks of Weblinking
Tech Alert
Harden Your Cyber-Perimeter
With the impeding war, how can I make sure my data is secure with my outsourcing provider?
Internet and/or Technology Incident Response Sample Policies & Procedures
Learning from Fraud
Bank Hacking Links
Preparing for an Atack -- You WILL Be Attacked!
Top 20 I.T. Vulnerabilities
Should You Tell Your Customers?
New Law Mandates Hacking Disclosures
Sanitize Your Machine
VIRUS/WORM UPDATE
Harden Your Cyber-Perimeter
New Law Mandates Hacking Disclosures
Should You Tell Your Customers?
Preparing for an Attack -- You WILL Be Attacked!
Best Practices: Inside-Out vs. Outside-In Security
Virus Protection Policy Violations
Hacker attackers
IN THE NEWS - Operation Cyber Strike
In The News… - My Laptop Has Been Stolen!
The Cold War Is Over, But…
Danger-Virus Alert


Computer Virus
Sasser Worm Update
Viruses. Hackers. Cyber Terrorism
How Much Anti-Virus Protections is Enough?
Patches and Bug Fixes: Keeping Ahead of the Hackers
How Much Anti-Virus Protections is Enough?
ALERT: Remote Sendmail Header Processing Vulnerability
Virus
Virus Protection Policy Violations
Hacker attackers
Danger-Virus Alert


Consumer Protection
Vendor Pitching Insurance Products in Bank Lobby
Federal Credit Application Insurance Disclosure
High Cost Mortgages: The Unsimplification of Truth in Lending
Say What?
Attorney Selection Based on Who Is Paying
Unfair or Deceptive: Avoid Like the Plague
Sub-Prime Lending: Agencies Propose to Collect Sub-Prime Loan Information
Protecting Customers from Fake Cashier's Checks
Consumer Protection Insurance Disclosures & Eligibility Requirements
More On the New Compliance World
Consumer Protection in Insurance -- Not for Businesses
Alligators in the Swamp
OCC Speaks Out on Consumer Complaints
Consumer Protection Insurance and A & H
Federal Credit Application Disclosure Confusion
Court Strikes Down Reg Z Finance Charge Exclusion


Contingency Planning
Business Continuity Planning: Beyond Disaster Recovery to Performance Improvement
Should I update my Business Continuity Plan?
Are Business Continuity Plans the same as Disaster Recovery Plans?
Security Post 911-What Factors Drive Community Banks Now?
Business Continuity Planning - At the Top of 2004's "To Do" List
Are You Ready For A Disaster?
An Ounce of Prevention . . . Contingency Planning as a Strategic Tool


Control List
Control List actions
Control List updates
OFAC and the Control List
Differences Between the Control List and the OFAC List
Cooperating with Law Enforcement
What are the difference between the Control List and the FinCEN Advisories?
Have the "Control Lists" been merged into the original OFAC lists?
Obtaining A Copy Of The Control List
Differences Between the Control List and the OFAC List
Obtaining The FBI Control List


COPPA
Web Site Compliance & Disclosures
E-Statements to Minors
Minors, Online Account Opening, and COPPA
FTC Gets Tough on COPPA Enforcement


Corporate Accounts/Checks
Corporate Account – Signature Cards
Account Styling Change
Questioning the Eligibility of Our NOW Accounts
Bank's Liability to Corporation for Funds Loss
POD’s on S Corporations
Corporate Name Change & Signature Cards
Corporate Business Account - FDIC Insured?
LLCs & Right of Survivorship
FDIC Insurance – Corporate Custodial Accounts
Phone Transfers from Corp to Personal Accounts
Corporate Checks - Authorized Signers
Professional Association - NOW Account Eligibility
Offset Corporate Account Owner's Personal Account
New Corporate Owners Keeping Same Federal Tax ID
Removing Bankrupt Corp Account Signer
Accepting Check Payable to Corp and Our Customer
Reg CC - State Check
OFAC & Corporate Signers
NOW Acct for Sole Proprietorship DBA a Corporation
Compliance Publications for Foreign Corporations?
CIP of Nonprofit Signers
OFAC - Mexican Corporate Account Opening
Due Diligence on a Spouse
S Corp Interest Bearing Account
LLC with a POD?
USA PATRIOT Act Confusion
Corporate Customer/Timeline to Dispute Unauthorized ACH
Corporate Business Interest Checking
Frequency for Updating a Corporate Resolution
Joint Business Account of Two Corporations
Cash Back on Business Account Deposits
Signer Adding Signer?
Debit /ATM Cards for Corporate Account Signers
Corporate Resolutions
Co-mingled Funds
Offset Corporate Signer’s Personal Account?
Verification of a Sub-S Corporation
Recruiting a New Board Member? Here’s a Checklist for Success.
Verifying Authority to Transact Business
Will Check 21 Reduce Fraud
Fraud Involving Corporate Employee
Guru Chatter on Interest Reporting
Possible Red Flag on New Account Opening
Opening Accounts for Out-of-state Corporations
When the Sole Signer Dies
Business Account Signer, NSF Abuse, and Refusing to Open Account
Customer ID On Brokered Accounts?
FDIC Insurance Coverage On Business Accounts
Cashing Checks Made Payable To A Business
Does a business account fall under Reg E?
Converting A Check Payable To A Corporation Into A Money Order
NOW Accounts For Subchapter S Corporations?
Beneficiaries For Corporate Accounts
Cashier's Check: Deducting The Fee From A Business Check
Identifying Business Customers
Opening a Business Account Pre-TIN
Cash Back to a Business Customer
Cashing Corporate Checks
Commercial Customers & Adverse Action Notices
Cashing Corporate Checks
Oops! We cashed a bogus corporate check. Now what?
Are corporations allowed to earn interest?
Is an LLC a non-interest corporate account?
The Legality Of Cashing Corporate Checks
Business Accounts: Deposit Account Opening Procedures
Converting A Corporate Account To A Personal Account
Cashing Corporate Checks
Liability For Deposits From Check Cashers


Corporate Governance
Corporate Governance
The Key to Success: Put a little Basel (not Basil) in your Risk Management Recipe
Complying with Sarbanes Oxley


Corporate Seal/Resolution
Corporate Checks - Authorized Signers
Safe Deposit Box Rented to a Business
OFAC - Mexican Corporate Account Opening
Frequency for Updating a Corporate Resolution
Corporate Resolutions
Verifying Authority to Transact Business
CIP: Requesting By-Laws
Required Resolutions For Nonprofit Accounts
Corporate Seal Requirements & Documenting Sole Proprietorships
Requiring a Corporate Seal


Cosigner
Reg AA - Co-signer vs Co-maker
Credit Score Disclosure to a Co-signer
Reg B – Joint Credit & Cosigners
Co-Borrower Added - Provide New Early Disclosures?
Co-Signer Required to Sign the Notice?
Disclosures to Father Who is Loan Co-Signer
Minor Auto Loan - Parent is Co-borrower
Signing the Co-Signer Notice
Consumer Loan and Cosigner Procedures
Co-signer Added – Joint Application Created?
Regs Governing Comaker/Cosigner Notification
SCRA - Co-borrower Called to Active Duty
Co-borrowers Liabilities & Credit Reports
Father Guarantor of Son's Loan
Commercial Loan with Guarantors
Loan Denied Due to Cosigner's Bad Credit
Cosigners and Guarantors
Co-Signer/Guarantor Notice after Denial
Loan Cosigner Passes Away
Disclosure to Cosigners
Co-applicant vs. Co-signer
Can we allow a cosigner on a representative payee account?
Disclosures To Mortgage Co-signers?
Does ROR Apply To All Borrowers?
Cosigner Notice to a Business?
Notice To Cosigner: Should this be given separately from the consumer notes?
Cosigner vs. Guarantor


Counterfeit
Counterfeit Monetary Instruments
Affidavit of Forgery
Returned Counterfeit Items Recourse
Cross-Channel Management
Preventing Counterfeit Check Processing
Deadline for Returning Counterfeit Checks
Introducing the New $5 Bill
Counterfeit Pens & Old Bills
Counterfeit Bill Procedures
Counterfeit Bill Info
Return of a Counterfeit Check
Affidavit Required?
Personalized Starter Checks - A Fraud Deterrent?
Security Features on Checks
Returned Counterfeit Postal Money Orders
Counterfeit Cashier's Check Recourse
$5000 counterfeit check - File a SAR?
SAR Filing on Counterfeit Checks
File a SAR on a Counterfeit Bill?
SAR - Our Bank Name Printed on Counterfeit Checks
Verifying Customer ID
Counterfeit Check Responsibility
Counterfeit Cashier's Check, Who Pays
Child's Play
Will Check 21 Reduce Fraud
Midnight Deadline and Counterfeits
Verification of Cashier's Checks
Counterfeit Cashier's Check: Who takes the loss?
Handling Counterfeit Cashier's Checks
Return Time: Altered Vs. Counterfeit Checks
Counterfeit Currency Alert: Check the Watermark
Isn't That the Wrong President?
Catch These Counterfeits!
Fraud Flavors of the Month
The New Color of Money Counterfeit Currency: Proliferation and Response
Counterfeit Check Procedures
Counterfeit Checks & Collection Letters: Time Limitations
Ten Flavors of Fraud
Counterfeit Checks: Why are we (the drawee bank) responsible after 24 hours?
Catch These Counterfeits!
Isn't That the Wrong President?
Returning Counterfeit Checks
Liability For Counterfeit Checks
Catch These Counterfeits!
SuperNotes Counterfeit Currency: What You Need to Know
Altered vs. Counterfeit Item
Does a counteroffer to a consumer need to be in writing?
Counterfeit Check Responsibility
Teller Training: Forgeries & Counterfeit Currency
Dealing With Counterfeits
Counterfeit Check Reimbursement
Tracking Counterfeit Checks
Counterfeit Checks
Training Guidelines for Counterfeit Detection
Detecting Counterfeits: Money Counters and Special Pens
Lincoln's Facelift?
New Five And Ten
For your information… It's Just Much Too Easy
That's Not A Flaw- That's A Feature!
Identification On Gold Bars
Is It A Counterfeit?
"May I See Your License, Please?"
A Check Printer Fights Counterfeiting
In The Year 2025…
Is It Real?…Or Is It Counterfeit?-It's Real!
Is It Real? Or Is It… Counterfeit?


Courier Service
Mobile Branch Account Transfers
CTR on Bank Courier Service
Courier Service Rules - Branch Cash Transporations
CTR on a Courier Service
Bank Employee Courier Service
Reg Z and Courier Fees
Skipping Determination in the Flood Hazard Determination Form


Court Cases -- Banking Related


BOL's Court Watch section provides easy access and concise synopses of useful court decisions.

Court Strikes Down Reg Z Finance Charge Exclusion
HUD's View of Mark-ups
Inadequate Recordkeeping by Debtor Leads to Denial of Discharge
All or Nothing Reaffirmation Discussions Allowed by Federal Court
Court Gives Tips on Making Reaffirmation Agreement Statements "Clear and Conspicuous"
Advance To Debtor After Guarantor's Bankruptcy Upheld
Two Bad Loans Don't Equal One Good Loan
Letter of Credit Refusal Notice Defects Lead to Liability
Bank Offsets Against Social Security & V.A. Direct Deposits
Social Security Offsets -- the Associations Fight Back
Bank Trapped in RFPA Violation Through Army Subpoena
Letter of Instruction is not a UCC 4A Payment Order
Court Examines Bank's Duty to Elderly Customers
Reversal of Lopez Case on Social Security Offsets
Know Your Customer -- Or Be Liable to Third Parties?
Creditor Held Liable in FDCPA Class Action
IAMB v. Office of Banks and Real Estate and William Darr, Which Side Will Win the Hugo Award?
"We're Not Liable, We're The Assignee!"
RESPA: Kicking Back RESPA
Court Allows Common Law Negligence Claim to Survive UCC Preemption Challenge
Bankruptcy Advances & Guarantors
All or Nothing Reaffirmation
Bank Liability News
Reaffirmation Agreement Standards
Excluding Overlimit Fees from F.C.
Doc Prep Fees Under Reg Z
Bad Records- No Discharge
LOC Refusal Liability
Social Security Offsets
Unsound Lending Practices


CRA
BOD CRA Training
CRA Data Reporting Guide Question
Spanish Language Advertising
CRA Investment Mortgage Security
CRA Officer?
CRA Credit – Home Purchasing Seminar
Lottery for a Good Cause
Revisiting the Community Reinvestment Act (CRA) of 1977
CRA Ratings and Compliance
Obtaining CRA Notices
Quarterly CRA Reporting - Updated Income Levels
CRA - Logging Company a Small Farm Loan?
CRA Reporting - Small Business/Small Farm Loans
CRA Loans & HMDA Logs
Earning CRA Services Credit
CRA Public File - List for Branches
CRA - Loan to Deposit Ratios
CRA Branch Lobby Notice
CRA LAR – Coding Group Homes
Only Current Customers Eligible for Credit?
Regs that Address Verbal Complaints
Determining the Correct Occupancy Code
About the Community Reinvestment Act
Small Bank CRA Statement
Deposit to Loan Ratio
60 Second Solution: Earning CRA Credit With A Bond Mutual Fund: (Parts 1 & 2)
Specific Geographic Areas
CRA Exam In Less Than Six Weeks
Compliance Officer Also Serve as CRA Officer?
Help With an Abbreviation
Reg B Inquiries
CRA Branch Notice Requirements
Extending CRA Assessment Area
Assisted Living Facility - HMDA & CRA Reportable?
CRA - Complaint & Response In Branch Files
Posting the CRA Statement
Is there an advantage to tracking the performance of non-reported loans under CRA?
What counts as "community development" under CRA?
Developing a "Community Needs Assessment"
How can I get more senior management support for my CRA program?
Benefiting from Voluntary CRA Data Filing
What Geographies would qualify for Community Development Activities?
How to Make A Difference
CRA Investment Test
Is This HMDA Reportable
Penalty for HMDA, CRA Submission?
Moving to large bank under CRA
CRA/Fair Lending
Data Integrity: Reviewing the CRA Loan Register
Business Purpose Loan, Residential Refinance, and HMDA
CRA Data Collection for New Businesses
Officer Guidance Lines & CRA
Do Not Confuse Income and Revenue
Where can I find a listing of the new 5 digit Metropolitan Statistical Area/Metropolitan Division Area Codes?
What is a Reportable CRA Loan?
CRA Public File
Finding a Census Tract Number
What CRA is Really About
CRA: Looking At CRA The Hard Way
CRA Agreements Do Work
Employee Contests, Prizes, and Rules
New Institution: Starting a CRA File
CRA, Small Business Loans and Reporting Income
What Goes in a CRA File?
Fair Lending, CRA, and Targeted Marketing
CRA & AML Employee Handbook Information
New Branches & CRA/HMDA Reporting
CRA Public File: One per branch?
Bankers Lead in Education Efforts
Financial Education: Out Of The Mouth Of An FRB Governor
Who has compliance responsibility for CRA?c What department should be responsible for CRA?
Fair Lending Policy: Reverse Redlining Issue
Bank Gives Computers To Schools
Fighting Financial Illiteracy
Looking For Sample CRA Statement
Lobby Notice Requirements Chart
Interstate Banking and CRA Notices
If payroll checks cashed for a business exceeds $10,000 in one day, does this need to be reported on a CTR?
Employees Help With The Community Reinvestment Act
Using a Portion of a Town as your CRA Assessment Area
Maintaining the Public CRA File
Avoiding Common Pitfalls Of Compliance Data Collection
CRA Small Bank Limit
CRA Public File Requirements For Small Banks
CRA Sunshine Provision Exam Procedures
Address Change for CRA and HMDA Data
New Interagency CRA Q&As
CRA & Small Bank Requirements
Location of CRA Files
New CRA Guide Available
Help From FDIC
CRA in the Sunshine is Not CRA
Teaching Consumers Financial Skills
CRA Help From FTC
Lending: Fannie Mae Exceeds LMI Goals
A Ray of Sunshine for CRA?
CRA Sunshine Quick Reference
Consumer Advisory Council on CRA
A Very Special Banker
CRA and Subprime
What Happens When Consumer Advocates Mean Well?
Question & Answer
CRA: Working "With"
CRA and the CAC
COMPLIANCE NOTES - CRA Sunshine Regs
The Annual CRA Q&A Release
Airing Opinions on CRA in the Sunshine
COMPLIANCE NOTES - Saving a Strategic Plan
COMPLIANCE NOTES - Meet the Service Test - With Post-purchase Counseling
COMPLIANCE NOTES - Project Resources
COMPLIANCE NOTES - CRA Wisdom.
COMPLIANCE NOTES - Median Family Income 2000
COMPLIANCE NOTES - The CRA Rating Game
COMPLIANCE NOTES - Non-Urban CRA
Charter Schools and CRA
Question & Answer
Question & Answer
Question & Answer
Common Violations
Floyd Flake's CRA Wisdom
CRA In The Sunshine
Disclosure and Reporting of CRA-Related Agreements
COMPLIANCE NOTES - OCC Publishes CRA Investment Directory
COMPLIANCE NOTES - Seidman Calls On Neighborhood Groups
COMPLIANCE NOTES - Homes for $1.00
CRA in the Sunshine
Question & Answer
COMPLIANCE NOTES - CRA: Federal v. State
COMPLIANCE NOTES - CRA Tips
CRA: Hawke Shows CRA Colors
COMPLIANCE NOTES - 1999 Median Family Incomes
EDITORIAL What's Wrong With CRA?
COMPLIANCE NOTES - A Call For More CRA Data
EDITORIAL Is CRA Headed in the Right Direction?
Question & Answer
CRA New Q&As for CRA
Question & Answer
CRA Service Customer Education Made Easy
EDITORIAL - CRA And The Kennedy Legacy
Question & Answer
Question & Answer
Question & Answer
EDITORIAL - Playing Fair
Question & Answer
Building CRA Into Your Business Plan
COMPLIANCE NOTES - Outstanding for Small Banks?
NCUA's Membership Survey
Question & Answer
The Future For CRA
What's Ahead In Compliance CRA: Continuous Evolution
Question & Answer
Mortgage Loans Hop On The TRAM
COMPLIANCE NOTES - Privacy Training for Customers
And We Wonder Why Customers Get Angry!
Small Business Lending A Small Bank Niche?
CRA Changing the Examination Paradigm
COMPLIANCE NOTES - What Good Are Bad Loans?
COMPLIANCE NOTES - Planning a Strategic Plan?
COMPLIANCE NOTES - Making CRA Targets A Little Easier
COMPLIANCE NOTES - Disasters Can Help Your CRA Rating
COMPLIANCE NOTES - Free CRA Resources
What Can You Do with CRA Data?
COMPLIANCE NOTES - Strategic Plans for CRA?
Question & Answer
CRA's Investment Test Some Advice From The Pros
COMPLIANCE NOTES - How Much Investment Opportunity Is There?
COMPLIANCE NOTES - HUD Median Family Income Figures Out
CRA - How To Pass The Investment Test
Question & Answer
Question & Answer
Lending OCC Generates Small Business Lending Ideas
COMPLIANCE NOTES - What is a Branch?
COMPLIANCE NOTES - Looking for CRA Ideas?
Putting CRA Performance Into Context
COMPLIANCE NOTES - Satisfactory CRA Ratings
COMPLIANCE NOTES - Politics of CRA
COMPLIANCE NOTES - Getting Ideas for CRA
CRA The Consumer Advisory Council Debates CRA COMPLIANCE NOTES - OTS's Seidman Calls for CRA Reg Review
Question & Answer
Question & Answer
FDIC Joins RHP
OCC Speaks Out On CRA Data
COMPLIANCE NOTES - Native American Housing: CRA and Fair Lending
Question & Answer
COMPLIANCE NOTES - Rating CRA on the Internet
Consumer Advisory Council
COMPLIANCE NOTES - Rivlin Speaks Out on CRA
EDITORIAL - It's Time To Start Counting The Cost
Planning CRA Strategically
Question & Answer
Question & Answer
Question & Answer
What's Great About CRA?
COMPLIANCE NOTES - CRA Ratings
COMPLIANCE NOTES - FDIC Releases CRA Ratings
Question & Answer
CRA New Q&As
Proposed Q&As for CRA
EDITORIAL - The Constant Evolution of CRA: Regulatory Burden on the Move
EDITORIAL - Credit: Do Consumers Want It or Not?
Hot Tips From Regulators
Question & Answer
Preparing For The New C RA
EDITORIAL - Assessing the new CRA
Question & Answer
CRA Examination Procedures Are Out
CRA: Compliance Creeps Further Into Commercial Lending
Question & Answer
Question & Answer
EXAMINER'S NOTEBOOK - CRA: Not as Easy as Pie
CRA: Mid-year Check-up
Strategic Plans: Are They Worth It?
Experiencing the New CRA: That Performance Context
Reg Y and the CRA Wars
Question & Answer
EDITORIAL - Pre-approved Loans - Food for Thought.
The New "Burden Relief" Banking Act
CRA/Fair Lending
Examiner's Notebook: CRA Exams Can Be Pleasant!
Question & Answer
Regulatory Developments CRA Exam Cycles Lengthened
CRA Points
IN THE NEWS - More CRA Points
CRA Simplified
Community Reinvestment Act
More CRA Legislation…NOT for Financial Institutions!
WHAT DO OTHER BANKERS DO? - Financial Institution Challenges CRA Ruling…And Wins
EDITORIAL - Diplomacy…Tact…Discretion
Important-NOT?
Take Another Look At CRA
WHAT DO OTHER BANKERS DO? - Employees Help With The Community Reinvestment Act
Community Reinvestment Act
CRA Success Story!
One Way To Get Into Trouble…
What Was Your Score?


CRCM
CRCM and CBCO


Credit Bureau
Helping Customers to Monitor their Credit Scores
Credit Card Act Confusion
Credit Bureau Report - No Credit Score Given
Credit Report - Account Write Off
Credit Bureaus on Guarantor
Minimum Beacon Score Guarantees Account Opening?
Credit Bureau Reporting – Advance Notices
Car Dealership and Customer Credit Reports
SCRA – Report Delinquent History on Credit Report
FACTA Verification - Fraud Alert on Credit Bureau
Became EO After Obtaining Loan – Reg O Violation?
Customer Wants Credit Bureau History Changed
Call Center, Credit Scores & Adverse Action Notice
Credit Bureau Reporting Required?
Verifying Information for Loan when the Credit Report is Obtained
Reporting Loan Accounts and New Deposit Accounts
Applying 334.82 When Pulling a Credit Report
Form for Reporting Address Discrepancies Provided by CRAs
Pulling Credit Reports when Opening New Accounts
Reconciling Addresses on CRAs for Loans
Physical Address Required to Compy with Dsicrepancy Provisions
ChexSystems and the CRA
Account Denied - Official Denial Notice Required?
Pulling Credit Bureau Report - Customer Notice
Obtaining Credit Bureaus for Our Auto Dealers
E-Signature for Credit Check
The Great Debate: Credit or Public Records Data
Effect of Customer Pulling Credit Report
Employee Credit Report
Disclosing Credit Report Info to Customers
Copy of Credit Report Requested on Denied Loan
Encrypted Tape Lost in Transit to a Credit Bureau
FCRA & Credit Underwriting
Guarantor on a Commercial Loan to a Corporation
Credit Scoring and Regulation B
Credit Dispute Checklist
Card Access to Home Equity
Disclosure of Credit Bureau Scores
FCRA and Credit Reports
Credit Bureaus & Secondary Cardholder Verification
Pulling Credit Reports for Employment Purposes
Is Chex Systems a Reporting Agency Under FACTA?
Reporting Loans to Credit Bureau


Credit Cards
The Card Act & Credit Card Advertising
Reg E – Customer Only Liable for $50?
Foreign Credit Card Cash Advance Fee
Business Credit/Debit Card
Changing the Credit Card Agreement
About the New Credit Card Reforms
HMDA Reporting - Home Equity Closed-end Loan
Replacement Card Conundrum
Pinned Credit Card Transaction Dispute
Compromised Card - Customer Liability
Destroying Credit Cards
The Credit CARD Act of 2009
Complying with Reg GG
State Unemployment Debit Cards
Accessing Credit Card Statements Online
Reg E - Cardholder Liability & Merchant Chargeback
No Longer Offering Business Credit Cards
Red Flags Rule Requirements for Small-business Portfolios
Reg E – Definition of Point of Sale Transaction
Business ID Theft, Account Takeover, Never-pay
Portfolio Types that Experience Never Payment
Sub-Prime Bankcard Issuers and Never Payment
Bust-Out Targets
Dealing with Credit Card Fraud - Time Frame
The FACT Act Identity Theft Prevention Program Mandates
Stolen Card Registered on Verified by Visa
An Example of a Red Flag
Protecting Your Customers from ATM Card Fraud
Credit Card Phone Apps & Schumer Box Disclosures
Reg E Claim – Card Not Lost or Stolen
VISA Credit Card Advance SNAFU
Reg E - Non Resident Aliens
The Definition of a 'Card Issuer'
Debit Card Charged for Hotel Repairs
Truncating Bank Receipts
Holds on Credit Card Convenience Checks
FI Won't Give Cardholder Provisional Credit
Credit Card Convenience Checks & Midnight Deadline
Unauthorized Business Related Transaction
Mailing a Credit/Debit Card to a PO Box
Protecting Against the Credit Card Crisis
Reg B - Application Signed With a "Courtesy Title"
Angry & Confused Over Reg E
Copy Credit Cards for CIP Documentation
Customer's Recourse with Merchant
Unsatisfied Customers - Refunding Goods & Services
UDAP and Compliance
Corporate VISA Cards - Non-fraud Disputes
FDIC Logo and Credit Card Ads
Reg E. Problems
Reg E & Non-resident Aliens
Credit Card Cash Advances & the OFAC List
FDIC logo and credit card ads
Non-customer Credit Card Cash Advance Fees
ATM Error Reporting & Correction
Deny Provisional Credit?
Deny the Claim of an Uncooperative Cardhholder?
No ID Required?
EFT Claim - How Could this be Valid?
Cash Advance Fraud
Credit Denied - Disclose Use of Outside Source
Reopening a Closed Credit Card Account
How to Improve Your Bank's Non-Interest Income
Debit/Credit Card - Higher Limit Liabilty
Is Not Reissuing a Card a Denial for Reg B?