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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 Information    Customer Service/CRM   


Calculators/Calculating
Advertising a Mortgage Product
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?
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
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
APY Verification Program
Date Used in Calculating the APR
Abbreviations on HOEPA Calculator
Interest-only Mortgage Calculator


Call Report
Primary Residences Subject to Reg O Reporting?
Can There Be Authorized Signer if Not In Trust?
Where on Call Report Is RSSD ID Number?
Call Report Code for Purchased Property & Homestead
Reporting the Balance of Freddie Mac Loan
Call Report Code for Loans Secured by Duplexes
Must Letters of Credit be on Balance Sheet?
A Call Report and Reg O
Definition of a Restructured Loan
Collateral & Purpose Codes
Non-accrual Loans
What Reg 0 amount to report?
Statement of Condition Availability
Overdraft Protection, Call Reports, and "Unfunded Committments"
Estimating Uninsured Deposits for your Call Report
Document with a call report


Campaign Funds/Account
Setting Up a Campaign 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


CAN SPAM ACT
Procedures/Policy for CAN-SPAM Act
Regulatory Issues Pertaining to Verbiage on Emails
Information on Email Marketing
Marketing To Customers Via Email
Out-sourcing an Email Marketing Campaign
CAN-SPAM on Informational Messages
Regulations for Online Marketing
Email Marketing to Acquired Bank Customers
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
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


Cashier's Checks
Stop Payment CC/Indemnity Bond Requirement When Can a Hold Be Placed on a Cashier's Check?
CTR for Cashing Cashier Check for Internal Account
90 Days to Reissue Check If Foreign Entity?
Allowed to Issue CC to Non-Account Holder?
90 Days Before New Draft Can Be Issued?
List Each CC on Official Check Log if Over 10,000?
Identify CC Using Encoded Info In MICR Line?
Bank Money Order vs. Personal Money Order
Letter to Send to Issuing Bank for Stop Payment
Monetary Instrument Log Required if CTR?
Rules on Converting Business Check Into Cashier's
Reason for Stop Payment on Cashier's check
CU Place Stop Payment on CC Already Processed?
Place Stop Payment on Official Check of Bank?
Cashier's Check Subject to Garnishment?
How to Write A Check When Purchase Cashier
Reporting Owner-Escheating Outstanding Cashier's
UCC 3-312 for Cashiers to Co Shut Down by SEC
Cashing Cashier's Check Written in 1979
Credit Score Exception If Requested Loan Not Secured?
Convert Cashier's/Official Into Remotely Created?
Liability for Stop Payment Due to Lost Check
Return Cashier's Presented as Remotely Created?
Place Stop Payment on Cashier's Check?
Cashing Cashier's Check w/o Checking/Savings
UCC-Dishonor Cashier's Check (Fraudulent Activity)
Case by Case Hold on 50,000 Cashier's Check
Time to Return Cashier's w/Missing Endorsement
Cashier's Check Purchase-Put Name as Remitter?
Sell Cashiers Check at Drive Thru Areas?
Rules on Cashier Check with Remitter Name
Wording for Cashier's Check for Auto Loan (Lien)
2nd Day Availability on Cashier's Check-New Acct.
Procedure for Outstanding Cashier's Checks
Monetary Instrument Required for Cashier's Check?
Cashier's Check from 1972
Rules for Holds on Cashier's/Gov't Checks
Are Money Order's the Same as Cashier's Checks?
Procedure for Keeping Cashier's Checks
Exchange Check Payable to DBA for Cashier Check
Recourse for "Refer to Maker" Cashier's Check
Placing Stop on Cashier's Check
Uncashed Cashiers Checks and Money Orders
Cashier Check Hold
Stop Payment Orders for Cashier's Checks
Buying a Cashier's Check for a Business
Stale-dated Cashier Checks
Cashing Cashier's Check for Non-Customer
Keeping Original Cashier's Checks
Cashier's Check for a Business
Treasurer's Checks: Abandoned Property
Official Checks vs Cashier's Checks
Hold on Cashier's Check
Credit Unions and Cashier's Checks
Exchanging Company Check for Cashier's Check
Is a Loan Proceeds Check a Cashier's Check?
Cashier's Checks Stop Payment
Official Check Expiration
Holds on Cashier's Checks & Credit Card Checks
How Long is a Cashier's Check Good?
The Contrary Customer and the 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
Counterfeit Cashier's Check: Who takes the loss?
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?


Cash Management
Cashier's Check Payable to Cash?
Surprise Cash Count
Cash Deposits Made by Bookkeeper
Surprise Cash Count
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
Limiting Cash During a Disaster
Check Payable to Cash Cashed by Anyone?
Intent Behind Reg D
Teller Safety Issues
Cash Drawer Sharing
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
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
Customer Changing Their Mind On IRA Account
Add Dwelling For Tax Purposes-QM?
Present Original Paper Certificate When Close CD?
Change Early W/D Penalties- Monthly to Quarterly
Cashes CD & Puts Money In Checking Account-CTR? Mail CD TISA Disclosure w/Pre-Maturity Notice?
How to Help Customer Track Down CD
Swapping the Order of Ownership on a CD
Change Early Withdrawal Penalty By Mass Mailing
Mass Mailing CD to Increase Early Withdrawal Penalty
Remove Name of Deceased from CD w/o Penalty?
Change Interest Payment Method-Check to Compound
Original Signatures Required to Open New CD?
Interest Payment Notices for Time Certificates?
Info on CD Pledged for Benefit of Public Entity
When Does CD Become Dormant? (Automatic Renewal)
TIS Information on CD Require TIS Disclosure?
Penalty for Early Withdrawals on IRA CDs
New Signature Card for New Owner on CD?
Principal Based CD Early W/D Penalties
Certificate of Deposit from other Banks-Collateral
CD Penalties
CD Penalties
Do Matured CDs Have To Be Reclassified?
POD Not Ready to Close CD's-Collect Interest?
Charge Loan Fee for Borrowing Against CD?
CD in Name of Trust as Collateral for Personal?
All Owners Sign Indemnity Bond (Close Certificate)
Removing Owner on Joint Certificate of Deposit
Distributing Funds from a Joint CD after a Divorce
Annual Statements on CODs Requirements
Increasing Withdrawal Penalties for CD's
Can Corporation Pledge CD to a Personal Loan?
Closing a Brokerage CD Account
Signature Cards for Certificates of Deposit
Need to State End Date for CD Special Offer?
CD Special Promo Considered a Lottery?
Co-Trustee Close CD Before Maturity?
CD Customer and Interest Payments
Garnish Certificate of Deposit
Fed Box Disclosure for Consumer Loan Secured by CD
Age Factor on CD Withdrawal
CD Secured Loan: HMDA Reportable
Different CD Rate Offers
No Withdrawal CD
Deleting a Deceased Joint Owner
Early Withdrawal Penalty on CDs
Change-your-mind Rule for CDs?
Adding Beneficiary to CD During Term
Sample Notice for Nonautomatic Renewal Account
Beneficiaries of CD also of Other Accounts?
Dormant Notice on Certificates of Deposit
Dealing with Interest on a CD
Redeeming and Opening a CD
Interest Rates for CD-backed Loan
CD with POD
Custodial CD as Collateral
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
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
Recurring Check Card Debits vs. 1 Time Check Card
Debit Transaction run as Credit: Liability?
Check & Debit Card Buy Back
Check Card Contest
Business Debit/Check Card Disclosures
Reg E Fraud Claim Time Frame
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
Deposit Tax Refund Check for Non-Clients
Not Enough Funds to Cash On-Us Check
Requiring Name, Phone, & SSAN to Cash Check
Joint Account Holder Deposit Check w/ Cash Back?
What does John Doe as "NF" of Jane Doe Mean?
Cashing Non-Customer Payroll Checks for Business
Checks Payable to Individual or Titled Joint Only
Check Cashing In Excess of Funds on Deposit
Cashing Checks Payable to DBA
Cashing a Check for Signer on Corporate Account
Cashing Checks Payable to a Business
Cashing Treasury Checks for Non-Customers
Cashing Check Payable to Nickname?
Check Payable to Business and Individual
Cash Back on Business Account: Aiding Theft?
Using Cashing Business Checks
No Business Check Cashing - Customer Info Needed
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

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
Depositing Personal Checks Written to Owner of LLC
Deceased Sole Officer of Corporation-Checks
Documentation for Checks Payable to Magazine
Account That Requires Two Signatures-1 Refuses
Liability For Fraud Check Claim- Business Account
Right to Hold Large 3rd Party Check for 9 Days?
Do Both POAs Need to Sign Checks?
Require Previous Endorsements Bank Guarantee?
Accepting Checks Payable to Bank Instead of Cash
Return Reason for Checks Already Posted&Cleared
Deposit Cash Check if Not The Drawer?
Make Out Check to Customer or Cash (Money Order)?
Countering Breach of Transfer Warranty
Not Accepting Checks Endorsed Deposit Only
Returning Check As Duplicate for Mobile Deposit
Legally Required to Cash Check for Ex-Customer?
Depository Bank Response Time for Breach Claim
Redeposit Check Charged Back to Acct NSF?
How Many Times Can NSF Be Presented for Deposit?
Requirements of Printing w/MICR Ink
Possible to Reverse Check Once Cleared?
How to Deposit/Endorse Insurance Agent Checks
Time Line to Return Check Refer to Maker
Depositing Check for LESS Than Face Value
Identify Individual Cashing Business On-Us Check?
61 Day Old Check Is Paid-Void/Bank Responsible?
Deposit Check Payable to Estate into Personal?
Guidelines for Check to John Doe for Jane Doe
Checks payable to bank for cash
Endorsement for Revocable Trust—For Deposit Only
Custodian Account-Depositing and Cash Back
Checks Payable to Co. w/o Account Open in Name
Authorized Signer on LLC Account-Cash Personal?
Pay to the Order Cash-Signature on Back?
Signature Only Endorsement
Deposit Check Payable to a Trust into Personal?
Check w/Pay to the Order of DECD
Check Payable to P/R of Closed Estate Account
VA Comp Check: John Doe A/C Frank Doe-A/C Mean?
Allow Customer to Deposit 3rd Party Treasury Check
Personal Rep of Estate-Deposit Check into Personal
Proper Endorsement for Check Payable to Bank Only
Depositing Jointly Payable Check-Payee Signature?
Endorsing Check Payable to Individual & Business
Required Endorsement for Check to Sub Contractor
Ban on Foreign Checks in Account Agreements?
Consequence for Double Endorsed Goverment Check
Check Made Payable to "UTMA" and Personal Acct.
Check with "Void if Over $3000" Printed on It
SS# and Drivers License for Non-Customer Checks?
Can Primary Cash Check w/o Secondary Signature?
Withdrawal Cash from Business Account w/ Slip
Re-Depositing Check after Uncollected Funds Hold
Sue Bank for Refusing to Accept Check?
Difference in Adjustment Claims
Check Presented for Collection
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
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
Affidavit for Collection of Personal Property
Electronically Converting Check Into ACH Problem
Cashing Check Payable to Sole Prop Business
Refuse to Cash Check if Charged Off/Bankruptcy?
Requirement to Write In The Amount On Check?
How to Handle Ins. Co Check for Claim
What Does CESA or GDN Mean On A Check?
When Will Bank Know Draft Has Been Cleared?
How to Write A Check When Purchase Cashier
Liability for Check w/o Mortgage Co. Endorsement
How to Deposit Check Into Scholarship Fund
24 Hour Return Deadline for Returned Check
Depositing Payroll Check for Child Support
Accept Check for Deposit if We Know it Won't Clear?
Rejecting Deposit Due to Homeowner Not Present
Can You Cash Check Over 10 Years Old?
Bank to Bank Adjustment—One Year Rule
Who Owns a Bank Check Once Withdrawn?
Check Payable to Estate-Deposit into IOLTA?
Depositing Jointly Payable Check-Payee Signature?
Reg for Name/Address Printed on Checks (FI)
Depositing Check Payable to LLC into Personal Acct
Requiring Name, Phone, & SSAN to Cash Check
Depositing Check Payable to LLC into Personal Acct
Trust Check C/O 3 People-Jointly or Alternatively?
Attorney Open Checking Account to Hold Net Funds?
Physically Checking Endorsements on Checks
ComCheck (Truck Driver's Fuel Check) and Reg CC
Check Deposited into Account that is not Payee's
Rule on Business Owner Cashing Payroll Checks
Meaning of Endorsement does not Constitute...
Making Check Payable to Executor of Estate
Rule on Dating Loan Check After Date of the Loan
Legitimately Altered Check?
Standard Procedure for Taking Third Party Checks
Lost Final Payroll Check-Rules for Re-Issued Check
Law/Regulation on Proper Endorsement on Gov. Check
Are Changes Coming for Free Checking?
How to Make Check Payable to Guardian? (Trust)
Check Payable to Trustee Deposit in Personal Acct.
Teller Procedure for Questioning Checks
How to Correct Check Returned for Second Time
Bank's Right to Debit Account (Fraudulent Check)
How Can LLC Earn Interest in a Checking Account?
"Remotely Created Check" Rules for Return
Guidelines for Depositing Checks Payable to LLC's
Early Release of Hold on Check Clearance
Check Cashing Fee
Statute of Limitation for Collecting on Bad Checks
Time Period for Returning Fraudulent Check
Rules for Depositing a Federal Treasury Check
Cashing Checks Made Out to "Family"
Cashing Check On Account With a Charge-Off
Claiming Late Return Limit
Paying Items On Overdrawn Account
Cashing Cashier's Check for Non-Customer
Check Payable to Individual in Trust Account?
Choosing What Checks to Pay on an Account
Considering a Check Void
Can Joint Check be Deposited in Individual Account
Endorsement Always Required? Endorsement for Partnership Account
Check Images
DBAs and Acceptance of Checks
When Should Bank Reimburse Funds?
Cashing Personal Check with Business Account
Complying with a Subpoena Request
Endorsement for Partnership Account
Payable to Business 'or' Individual
Wording of Deposit Agreement
Deposit including Check Payable to Cash
Hold on Deposited Check and Reg CC
New Laws for Blank Starter Checks?
Depositing Check Payable to Jane for John
Reg CC Holds on Signed-over Check
ACH Debit and an Electronic Image
Check Endorsed to Another: Whose is it?
Returning Forged Checks to Paying Bank
Transferred Check Names Baby as Executor
Using the Large Deposit Exception Hold
Paycheck Deposited into Coworker's Account
Dealing with Theft and Counterfeit Presentment
Responding to Stolen Check Report
Reg CC and Foreign Checks
Validity of Customer Notation
For Deposit Only with Cash Back?
Depositing Trust Checks in an LLC Account?
Time Lines for Dealing with Fraudulent Checks
Joint Check: One Deceased: What to do?
Questionable Deposits by Business
Endorsement Liability
Dealing with Checks Payable to the FI
Destroying Checks
Joint Government Check to Cash
Large check returned late
Cashing Third Party Checks
Altered Check on Business Account
Merchant Denies Check after Bank Verifies Funds
Check Payable to Bank and Customer
Trust Check into Joint Personal Account?
Regulations for Checks
Does Bank Endorse Check to Them?
NSF Checks becoming Non-negotiable
Non-Customer Check Returned
Are Memo Line Directives to be Honored?
Cashing Checks Against a Trust Account
Subpoenaed Checks Past Retention Period
Forged Endorsement Claim Time Limit
Returning Checks to Paying Bank in Timely Manner
Dealing with Kiting
Responsibility for Stop Payment Paid
Stolen Checks Deposited in ATM: Liability?
Paying Checks without Written Line
Boyfriend signs Girlfriend's Checks: Forgery?
Explain Trustee's Signature
Stop Payment Order - On and Off
Multiple Payee Endorsement Requirement
Checks Made Out to Cash
Check Payable to Deceased Individual
Regulation CC and Canadian Checks
Stop Pay - NSF Account
Closing a Living Trust
Official Check Expiration
Employee Check Cashing with a Twist
Copying Customer's US Treasury Checks
Multiple Payees and Forgery: Bank's Liability?
Return Item - Incorrect Amount on Check
Endorsement of Check Payable to Four Entities
Deposit of Estate Check into POA's Account
Joint Tax Refund Check - Deceased Co-Payee
Payment Under Protest
Holds on Cashier's Checks & Credit Card Checks
Big Banks Refusing to Verify Cashier's Checks
Stop Pay by Signer
Send Corrected Availability Notice?
No Business Check Cashing - Customer Info Needed
Debit a Dishonored Check?
The Contrary Customer and the Cashier's Check
FDIC & Reg CC Holds
Reg CC - Nonproprietary ATM Deposits
Reg CC Exception Changes
Reg CC Changes & Hold Notices
Reg CC Hold Notice Verbiage
Reg CC Changes – Next Day Items
Stop Pay on Loan Checks
Credit Card Check Hold
Recovering Forged Funds
Counterfeit Checks – Reporting & Return Rules
Stolen & Forged Checks – Where Do We Stand?
Cashed Fraudulent Check – Who’s Responsible?
Spousal Signature Forgery
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
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
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
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
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?
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
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
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
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
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
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
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
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
Is Imaging Front of Check a Legal Copy of a Check?
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
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
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
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
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
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
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?
Reg CC Charge Back Rights Disclosures
For Deposit Only
New Account & Large Item Exception Holds
Bad Certified Checks
Reissuing Cashier's Checks
SAR Filing on Counterfeit Checks
Putting the Customer's SSN on the Back of a Check
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?
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
Counterfeit Check Responsibility
Counterfeit Cashier's Check, Who Pays
Check 21 Endorsement Importance
Float on Imaged Items
Legality of Printing Money Orders
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
UCC: Practical Application, Part II
Legal Requirements for Checks
Without Prejudice Endorsement
Jointly Payable Checks Where One is Deceased
Remitter as Purchaser
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
When a Check Lacks a Date
Why No Stop Pays on Cashier's Checks?
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
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
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
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
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?
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
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

Wrong Routing # When Check Scan Is Rejected
Check 21 Rule on Testing Check for Fingerprints
Legislation on Company Logo on Checks
Model Disclosure for Check 21
Time Frame for Retaining Paper Checks
How to Get Other Bank to Return Check Before 7 Days
Sending a Model Disclosure for Chargebacks
Check 21 Disclosure
Copy of Check Requested – Give Disclosures?
Check 21 Disclosure - Return Deposited Items
Converted Item Return
Customer Demanding Original Check Not the Image
Offering E-Deposits - Compliance Issues?
Check 21 Substitute Check Policy Disclosure
Does Check 21 & Image Exchange Preclude Reg CC?
Check 21 Disclosures
Check 21 Disclosure Notice
Forgeries and Check 21
Check 21: The Basics and More
Check 21 Endorsement Importance
Float on Imaged Items
New Check 21-related Developments
Check 21: The Basics and More
Exchanging Images Under Check 21
Fraud in a 'Check 21' Environment
Check 21 readiness: a primer
Checklist for Image Exchange Solutions
Check 21 and Electronic Check Conversion
Check 21 Standards: ASC X9 Statement on Check 21 Adoption
Electronic check conversion and angry customers


CIP
Authorized Signers Required to Give Tax ID#?
Open Acct. for Elderly Person w/ Expired ID?
Re-CIP to Re-Open DDA Account?
Rule on Drivers License Copies In System
Procedure for Opening Foreigner Acct. (ID)
Face-to-Face Acct. Opening: Primary/Secondary ID? 
Required Trust Documentation to Open Account
Reg That Says You Do Not Have To CIP
Post USA PATRIOT Act Info In Bank Lobby?
Laissez Passer By UN Acceptable ID For CIP?
Assumed Name Certificate to Open Associative Acct.
Name on CIP After Customer Is Married
Sample Doc on Verification of CIP for BSA
How to Fill Out CIP for Customer on Disability
CIP Collection for Mortgage Loan Joint App
Opening Account-Name on Driver License
CIP Required on New Loan but Already Custodian?
SS# for Representative Payee Disability SS
New Paper Work If Re-Open Charged Off Account?
Perform CIP When Changing Signers on Account?
Verifying w/State if Corporation is "Active"
CI Customer w/ Expired Government Issued ID
Determining Permanent Address for CIP Purposes
CIP Authorized Signers/Agents for Corporations?
ID Theft and KYC Requirements
Documentation for Boy Scout Troop Account
Guidelines for Address Discrepancy
Name on CIP Does Not Match Name on Loan
Unique Identifier In Place of SSN-Canadian Person
Proper Procedures to CIP for a POA
Proper Procedures to CIP for a POA
Obtain Image of Drivers License (Retail Customer)
Open Charged-Off Account w/o ReCIP
Changing Account and Gathering CIP Information
Policy for Customers that are not US Citizens
Corporation and LCC w/ Same Tax ID#
Documents for Opening Community/Volunteer Group
How to Conduct CIP on a Person Abroad
Differences b/w Names on License/Title Documents
Bank Required to Develop Own CIP?
CIP Rule on Verifying Customer Address
CIP on a Beneficiary
CIP for Amish Without Photo ID
CIP Requirements for Corporate Trust
Is Authorized Signer a Customer?
CIP Requirements When Customer Address Changes
Should Insurance Company be CIP'd?
Business Account with Multiple Signers
Out-of-State LLC Documentation
Who is Exempt from CIP Requirements?
CIP on DBA new customer
Processing ACH Transactions
Savings Accounts for Minors
Screening through ChexSystems
An Account for a Federal Credit Union
Meeting USA PATRIOT Act Requirements
Verification of SSN Shows it to be Fraudulent
CIP Information for Signer on Deed of Trust
CIP Requirements for New Signatories
When to CIP a Customer
Do PACs Need an EIN?
Fair Credit Reporting Act
Defining 'Customer' by USA PATRIOT Act
Expired ID for CIP
CIP & ChexSystems on Former Customer
CIP & OFAC - Sale of Money Orders to Non-customers
CIP on Estate Accounts
Trust Account – Bank’s Responsibility
IOLTA Account – Titling & CIP Info
Wire Sent Via Public Fund Deposit Program
FinCEN CIP ACP Ruling
CIP for Foreign Private Investment Companies
CIP – Savings Bond Purchase
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?
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 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
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
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
CIP Requirements & Foreign College Students
Living Trust - CIP the Beneficiaries?
CIP Info When Adding Account Owner
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
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
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
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 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
Using Your Old KYC Policy To Create Your New CIP
CIP and the PLEASE System
Handling a Customer Who Refuses to Update Signature Card
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
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
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
CIP: Record Retention For Business Account Information
CIP: Verifying Student Loans
Identification of Totten Trust Beneficiaries
BSA TIN Requirement & Religious Beliefs
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?
Funds Transfer: Are customer e-mail instructions valid?
Non-Resident Signer With No SSN
Retention of Loan Customer Driver's License Info
Identity Theft
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?
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
Using ITIN to Open an Account
Patriot Act and Verifying Address
Patriot Act and Verifying Address
Fictitious Name Statement for Sole Proprietorship
Defining 'Customer' by USA PATRIOT Act


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
Non-compliance of Reg Z Changes Penalties
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
Forged Endorsement Claim Time Limit
Debit Card Disputes
Timeframe to a File a Without Entry Claim
Recovering Forged Funds
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
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 Account Via Official Check
UCC Law Prevents Closing Multiple Accts w/o SAR
Can An Appointed Guardian Close A Joint Account?
Re-CIP to Re-Open DDA Account?
Remove Owner if You Have A Divorce Decreed?
Writing Check When Closing Business Account
Can Minor Close Joint Account?
New Paper Work If Re-Open Charged Off Account?
What to Do w/Small Balance When Closing Account
Close Business Account if Business Closes
Cannot Find Source of Funds-Close Account?
Reason for Closing Account Due to Suspicious Cash
Reg on UK Resident Closing Checking/Savings Accts.
Collecting Service Charge when Closing Account
Closed Checking Account- Check Payable to Trust?
Closing Account Receiving Government Deposits
Closing a Living Trust
Charged Off Accounts - Statement Mailings
Joint Account Owner Relinquishing Rights
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
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
Requirements for Terminal Location on Statement
CTR - Exchanging Coins for Currency
CTR Filing - US Mint Coins
Compliance For Counting Coin


Collateral
Date for Guaranty Agreement
Guidelines/Information on Share Loans
Add Cross Collateralization Verbiage to Consumer Loans?
Taking Accounts Receivable of The Post Office
Wife SS# Required for Husband Name Only?
Regulation on Interest Rate Limit w/Deposit Acct
UCC-1 Expiration Date for County (Not State)
Guarantor Sign Release of Collateral Request
Initiating Release of UCC When Not The Debtor
Transfer Assignment of Leases/Rents to New Bank
FR U-1 Form Required for Marketable Securities?
Using Savings/CD Account for Collateral-Not Owner
CD in Name of Trust as Collateral for Personal?
Approving Unsecured Consumer Line of Credit
Disclosures-Travel Trailer as Collateral (RESPA)
Borrower Using Another Person's Home as Collateral
Signing Cross-Collateral Addendum
Requirement for Savings Secured Collateral LTV 95%
Reg Z for Non-Borrower Pledging Collateral
Rule on Using Same Collateral for Several Loans
How to Document Loan that has Home as Collateral
Adding Spouse to Title of Vehicle
How to Document Loan that has Home as Collateral
Who Signs the Assignment of Rents and Leases?
Gold Bars As Collateral?
DDA as Collateral?
Is Collateral Exempt from IRS Levy?
Property as Collateral and Residence
LLC's Only Signer Left the Company
Confiscating Collateral
Dealing with Divorce Terms and Mortgage Loan
Cross-collateralized Box on Loan Application
Revocable Trust as Collateral?
Getting Vehicle Titles with Refundable Fee
RESPA and TIL for Houseboat Loan?
Disability Insurance as Collateral
Dealing with Patent Rights
Changing Collateral on a Loan
Life Insurance on a Loan
Change in Collateral
Using an UTMA Account as Collateral
Supervisory LTV - Definition Needed
SAR Filing - Customer Sold Loan Collateral
Custodial CD as Collateral
Consumer Loan on Land - Not the Mobile Home
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
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
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
Definition of Incoming Collections
Check Presentments
Recovering Funds from Counterfeit Checks
UCC Provision for Refusing Collection Letter
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
Reporting Ag/Commercial Loans as Charge-offs
Charging For Credit Report & Flood Certification
Rewrite Commercial/No New Money: Renewal or Refi?
Make Check Payable to Business on Commercial?
Benefit of Owner Sign Note as President/Individual
Required Fees for Disclosure on Commercial Loan
Consequences of Reg Z for Business Purpose
Open End Mortgage as Collateral on Commercial
Term Sheet for Commercial Considered Loan App?
Term Sheet for Commercial Considered App?
How Long is Commercial Mortgage Enforceable?
Backing out of Late Charges Violate DTPA?
Insurance Info Required on HUD for Commercial?
Advertising Product for Small Business Loans
New Loan Number for Business Name Change?
Income for Reporting HMDA on Commercial Property
Can Banks Pay Interest on Commercial Accounts?
Securing a Commercial Loan with IDOT
HMDA Reporting on Commercial LOC
Disclosing Interest Floor on Commercial Loan
Liens on Sole Proprietorships
Corporate Loan and Compliance with Reg B
Loan for Partnership
Maintaining a Commercial Loan Escrow Account
Mobile Home Park Category for Loans
Business Loan for Residential Property?
Does Extension Change Note from Variable to Fixed?
Corporate or LLC Loans - Who Signs the Loan Docs?
Renewed Loan - Still a Business Loan?
HMDA Business Purpose
SAR Filing - Customer Sold Loan Collateral
Commercial Business Loans & the HUD-1 Form
Selling Commercial Loans – Privacy Issues
Send Adverse Action Letter to Guarantors?
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
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?
Business Loan Disclosures
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
Are We Required to Send Monthly Statements?
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
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
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
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
http://www.bankersonline.com/marketing/guru2010/gurus_mkt050310a.html
CRA Credit – Home Purchasing Seminar
Charitable Fund Raiser Advertised on Bank Website
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
Deposit Compliance Officer & Lending Officer
Audit Program/Procedures for Determining Flood 
Compliance Requirements to Expand Bank Size
Complaint Tracking for Community Banks (Exams)
Documentation on Who CCO Should Report To?
FIBA AML Online Certification Program
Do Compliance Officers need to be Reaffirmed?
Should Compliance Be Reviewing Officer Blogs?
Mentioning Competitors in Bank's Ads
Presumption of Compliance Protection
Lending Compliance Officer – Role & Responsibility
CRA Compliance - Bank Purchase/Merger
CRA Officer?
CRA Credit – Home Purchasing Seminar
Print Ad - Mortgage Lending Compliance
Pulling Credit Reports
Privacy Notice
In-house Mystery Shopping
FCRA - Mailing Adverse Action Notices
Deny Loan on Possibility of Diminished Earnings?
Retention of Website Pages
One Privacy Notice per Household?
E-statements & ESIGN Compliance
Flags Rule Compliance
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
RESPA – Compliance Vs Lender
Web Application Privacy Notice
Earning CRA Services Credit
No Longer Offering Business Credit Cards
Disclosure Differences Online
New Account Cash Bonus & the Toaster Rule
Provider List Requirements
FACTA – Medical Collections & Credit Decision
List of Notices to Post in Bank
Required Website Disclosures
HERA 2008
Minor IRA Account Changes - Send Out Amendment?
1099 Form to Reimbursed Customer?
Required Website Disclosures
Compliance Officer – List of Annual Requirements
Looking for a Financial Disclosure Notice
Obtaining New Account Information
Red Flag Checklist - Maintaining an Account
Proof of BSA/AML and Compliance Training
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
Compliance Info for Emailed DDA/SAV Statements
Shutting Down a Revolving LOC – Compliance Issues
Reg R Section 218.701 Compliance
Updating Consumer/Customer Complaint Policy
Dedicated Regulation O Officer
Red Flags - Verifying SSN & Date of Birth
CD Customers Negotiating Interest Rates
Lobby Rate Board - Interest Bearing Products
Recording Customer Calls
Taking Phone Loan Applications - Compliance Issues
Offering E-Deposits - Compliance Issues?
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?
Pulling Credit Bureau Report - Customer Notice
Regs Triggered Due to Increased Asset Size
Bank Owned Property
Small Bank CRA Statement
Sending 1098s
Roll Attorney's Fees into First Mortgage?
Flood Compliance & Master Certifications
Resending Returned Adverse Action Letter
Continuous Overdrafts Fee - Notify Customers?
Hand Delivery of Adverse Action Letters
Bank Statement Returned Mail Compliance
Rule Restricting Debit Card Gambling Transactions
Out of State Branchless Banking
Returning Paid Loan Documents to 401(k) Borrower
Send Out Revised Hold Notices?
Customer Gift Giving
Compliance Publications for Foreign Corporations?
Required Audits
Annual Privacy Notice to Businesses
Compliance Officer Also Serve as CRA Officer?
Proof of BSA/AML and Compliance Training
Resources for Compliance Training
Texas Property Closing
Mandatory Training
Summary of Regulations
Combining Compliance & Auditing
Examiner's Questioning Compliance Experience
Bank Policies Approved by the Board
Uncertified Compliance Audit Manager
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
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
High-End Copiers May Be a Security Gap
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
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
Firewall Policy
Hacked PC – Who Takes the Loss?
Network Vulnerabililty
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
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!
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
Is Virus Protection Effective?
Sasser Worm Update
ALERT: Remote Sendmail Header Processing Vulnerability
Virus
Virus Protection Policy Violations
Hacker attackers
Danger-Virus Alert


Consumer Protection
Reg E Unrestricted Debit Card For Foreign Travel
Debiting Funds If Deposits from Child Support?
Financial Covenant on Consumer Purpose Note
Is TIS Required for an IRA?
Renewed Loan - Still a Business Loan?
Debit Card Disputes
Advertising a Fixed Rate
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 - 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
How to Consolidate Multiple LLC Accts Under Parent
Deceased Sole Officer of Corporation-Checks
CIP Authorized Signers/Agents for Corporations?
State Registration for Corporations
Cashing a Check for Signer on Corporate Account
Documentation for Corporations
Death of Business Principals
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
Verifying Authority to Transact Business
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
Amended Articles Required if Sell Some of Co?
Corporate or LLC Loans - Who Signs the Loan Docs?


Corporate Seal/Resolution
Signature Required when Corp. Guarantor on Loan?
Rules for Filling Out Resolution for an Entity
Cash Withdrawals from Corporate Accounts
Corporate or LLC Loans - Who Signs the Loan Docs?
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
Stronger Borrower In 1st Position On App?
Date for Guaranty Agreement
Co-Signers Sign Own Set of Disclosures/Loan App?
2002 Promissory Note Rules for Co-Signer
Husband Co-Signer b/c Not List as a Borrower?
GMI Collected on Co-Signers for Consumer Loans?
Asking for Specific Co-signer
What does Co-signer Sign on HELOC?
Loan for Partnership
Removing Cosigner Because of Divorce
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?
Cosigner vs. Guarantor


Counterfeit
Procedure for Teller if Customer Uses Counterfeit
Allowing Newspaper to Photograph Counterfeit Bill
Options for Receiving Return Credit (Counterfeit)
Time Frame to Reject Return of Counterfeit Check
Liability for Counterfeit Checks Reported Late
Counterfeit Check and Case by Case Hold
Guidelines on Returning Counterfeit Checks
Returned Item - Counterfeit Check
Returning a Counterfeit Check to Customer
Returning a Counterfeit Money Order
Dealing with Counterfeit Postal Money Orders
Counterfeit Checks – Reporting & Return Rules
Affidavit of Forgery
Returned Counterfeit Items Recourse
Cross-Channel Management
Deadline for Returning Counterfeit Checks
Counterfeit Pens & Old Bills
Counterfeit Bill Procedures
Counterfeit Bill Info
Return of a Counterfeit Check
Affidavit Required?
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
Counterfeit Check Responsibility
Counterfeit Cashier's Check, Who Pays
Child's Play
Midnight Deadline and Counterfeits
Verification of Cashier's Checks
Counterfeit Cashier's Check: Who takes the loss?
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
CTR on Armored Carrier Services for MSBs
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
CRA Credit Count If Home In Upper Income Area?
Minimum Info Required In Public File Under CRA
CRA Definition for Commercial/Industrial Purpose
CRA Public File Requirement-Performance Evaluation
Construction CRA Reportable as Other Business Loan
When Is a Census Tract Considered Distressed?
Definition of Greenlining
CRA Public Folder: Map of each Assesment Area
CRA Public Folder: Map of each Assesment Area
CRA Reporting Small Business/Small Farm Loans
SCRA Notice Disclosure-All Past Due Customers?
Report Loan Modifications as CRA Loans-Required?
Keeping the CRA File Up-to-Date
Revenue for CRA Small Business Loan
CRA Public File
CRA File and its Contents
CRA Compliance - Bank Purchase/Merger
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
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
Small Bank CRA Statement
Deposit to Loan Ratio
60 Second Solution: Earning CRA Credit With A Bond Mutual Fund: (Parts 1 & 2)
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
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
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?
CRA & AML Employee Handbook Information
CRA Public File: One per branch?
Bankers Lead in Education Efforts
Financial Education: Out Of The Mouth Of An FRB Governor
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
Allowed to Give Customer A Copy of Credit Report?
How to Report Loan When Files for Bankruptcy
How to Claim Single Owned Acct (Deceased Owner)
New RESPA Notice of Error Scope
CBC Credit Bureaus Fees Passed On To GFE
Fee for Dispute Submitted Via CB's Dispute System
Requirements/Regulations for Credit Inquiries
Pulling Credit Report w/o Customer Authorization
How to Report Charged Off Loan to Credit Bureau
How Many Days to Report Charge-Off/Credit Card
Require Customer to "Un-Freeze" Credit Bureau
  • Pre-Approving for Unsecured Revolving Line
    Written Consent to Pull a Consumer Report
    Agreement of Physical/Reported Address
    FCRA Consumer Disclosure
    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
    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
    Visa Card Required to Be Present for Cash Advance?
    45 Day Advance Notices Before Imposing Penalty?
    Credit Card Numbers & Periodic Statements
    Requirements for Cash Advance Limits for Visa
    Non-Customer Transaction Fee for Cash Advances
    Set Own Daily Limit of $1000 for Non-Customers?
    Credit Card Act-How Many Days Before Payment Due
    4Recourse Options w/Merchants for Card Compromises
    Disclosure Required for Payment Applied to CC?
    How to Submit Disclosures to CFPB Per Reg Z
    Information on Expedited Funds Availability Act
    Fee for Processing Non-Customer Cash Advance CC
    Require Minimum Transaction Amount for CC/DC?
    Obligation for Cash Advancing for Non-Customers
    Keeping Cash Advance Slips and Settlement Reports
    Closing Open-End Credit Accounts
    A Bank as a Credit Card Merchant
    Adverse Action Notices for Inactivity?
    $25 Promo for Credit Card Applications
    Accepting Credit Card Payments by Telephone
    Credit Card for Foreign National
    Reduced Credit Limit - Send Reg B Counter Offer?
    Posting a Bank's Credit Card Agreement
    Business Transactions for Non-Customers
    Holds on Cashier's Checks & Credit Card Checks
    Unsecured Credit Line Over the Limit Fee
    Revolving Credit Loans - Over the Limit Fees
    Posting Credit Card Agreements on Bank's Website
    Advertising a Fixed Rate
    Credit Card Check Hold
    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
    HMDA Reporting - Home Equity Closed-end Loan
    Replacement Card Conundrum
    Pinned Credit Card Transaction Dispute
    Compromised Card - Customer Liability
    State Unemployment Debit Cards
    Accessing Credit Card Statements Online
    Reg E - Cardholder Liability & Merchant Chargeback
    No Longer Offering Business Credit Cards
    Reg E – Definition of Point of Sale Transaction
    Stolen Card Registered on Verified by Visa
    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
    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
    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
    Debit/Credit Card - Higher Limit Liabilty
    Is Not Reissuing a Card a Denial for Reg B?
    SCRA & Collection Calls on Past Due Credit Cards
    Retention of Credit Card Cash Advance Slips
    Fee for Loan Payments Made with Credit Cards
    Account Number Truncation
    Wireless Customers Can Replenish At ATMs
    24/7 Fraud Check
    Provisional Credit Days Under VISA
    Credit Card Offset
    Open End Credit Fee Income
    Expiration Date on ATM Card

    Fraud Tools From Abroad
    MasterCard To Test 'Contactless' Cards
    Variable Rate Credit Cards
    Holds On Credit Card Checks
    Reg E v. Visa: Who Wins?
    Industry Averages For Credit Card Charge Offs
    Refund on credit card subject to Reg E?
    USA PATRIOT Act: Credit Card Cash Payment Limit?
    VISA Cards Have New Online Protection
    Credit Card Fraud - Cash Advances
    Font Specifications For Credit Card Disclosures
    Accessing HELOC Accounts: DDA Accounts, Debit v. Credit cards, and Unsolicited Delivery
    Reg CC & Credit Card Checks
    If a financial institution issues a debit card to a customer who has an existing atm card, is the debit card considered "unsolicitated"?
    ATM Network Logo Posting Requirements
    Credit Card Transactions: Authorization & Settlement
    VISA Check Cards For Business?
    Applying Principal To Loans Against A Credit Card
    The credit card check funds can't be verified. Can you place a hold?
    "Fixed" Doesn't Mean "Fixed Forever"
    Tying Lower Credit Card Rates To The Purchase Of Additional Services
    IN THE NEWS - Income Tax Payments
    Reading the Fine Print: Via Credit Card?
    In The News - Making The Internet A Safe Place To Do Business
    WHAT DO OTHER BANKERS DO? - Banks In Illinois And South Dakota Get An A+
    WHAT DO OTHER BANKERS DO? - Home-Secured Credit Card
    FTC Shuts Down Card Protection Programs IN THE NEWS - More Secure Than Checks
    IN THE NEWS - Pre-approved Or Pre-selected?
    IN THE NEWS - Too Many Credit Card Ads
    In The News… - Yes, It's Safe
    Debt Limit
    The Sky Is The Limit
    Take Your Pick
    Pick A Card
    Post Office Latest Credit Card "Merchants"
    Smile!
    "Mickey's Family"
    Credit Bureaus Want To Know
    CREDIT CARDS…DEBIT CARDS: What's The Difference?
    Did You Notice That?
    New Security Feature
    Secured Credit Cards Increasing In Favor
    VISA Uses Code To Expose Phony Cards
    Another Number To Remember…
    Special Delivery
    WHAT DO OTHER BANKERS DO? - Where's The Credit Card?
    "For A Good Time, Call 1-900-…"
    Check Those Statements!
    Imagine that! Only $199.50 !
    Is This For Here Or To Go?
    Shop At THE GAP?
    Telemarketing Danger
    What Is A Secured Credit Card?
    "You've Won A Free Vacation For Two!"
    Checked Your Credit Cards Lately?
    Credit Card Numbers For ID
    Need Cash During Your Las Vegas Vacation?
    'Tis The Season…
    Your Best Defense Against Credit Card Fraud… Is You!
    IN THE NEWS - Innovative Credit Card Apps
    Credit Card Fraud Skyrockets!


    Credit Life
    Credit Life on Consumer Loan
    Credit Life on Commercial Note
    Reg Z Reimbursement Procedures
    Credit Life/Disability Insurance Program
    Insurance Disclosures
    Discontinuing Credit Life Products
    Credit Report - Statement of Denial
    Credit Life Financed on Home Loan, GMI Required?
    Credit Insurance Disclosure Requirements
    When Insurance Is Not Offered
    Disclosures for Adding Credit Life Insurance
    RESPA & Bonuses For Credit Life Sales
    Requiring Credit Life Or Disability Insurance
    Listing Insurance on HUD-1s
    Credit Life at Renewal


    Credit Report
    How to Claim Single Owned Acct (Deceased Owner)
    CBC Credit Bureaus Fees Passed On To GFE
    FCRA Permissible Purpose Rule Violation
    Credit Report and Adverse Action Notice
    Verbal Permission to Run Credit Report (Entity)
    Reg on Credit Report Only Valid For 90 Days
    Birth Date Required to Pull Credit Report?
    Hotel Smoking Charge Dispute-Legit Claim?
    Report OD if Customer Filed for Bankruptcy?
    Proper Reporting of Loans-Individuals for Business
    Credit Report Fee on Mortgage Loan-GFE/HUD
    How Often Can Bank Run ChexSystems?
    Reporting Authorized Signers on Charge Off
    Pulling Credit Report
    Documentation Rule for Pulling a Credit Report
    Pulling Credit Report
    Credit Score Notice and Notice of Action
    Consumer Reports
    Credit Report Fee a Finance Charge?
    Agreement of Physical/Reported Address
    Tri-merge Credit Report
    Disclosing Credit Report Fees under RESPA
    Credit Report Documentation
    Credit Report for Hiring Purposes
    Credit Report on the GFE
    Credit Report Regulation
    Red Flags - Provide Notice of Address Discrepancy?
    Reg AA & Late Fees
    Credit Report - Ongoing Employment
    Disclose Each Time a Credit Report is Pulled?
    Credit Report & Flood Determination Fees
    Credit Bureau Report - No Credit Score Given
    Pulling Credit Reports
    Loan Modifications & the Economic Crisis
    Disclosures Within Three Days of Credit Report
    Merchant Services Application/Agreement
    Credit Report Authorization Form Retention
    Credit Report - Account Write Off
    Disclose Fees Borrower Doesn’t Pay?
    Minimum Beacon Score Guarantees Account Opening?
    Address Discrepancy Credit Report
    Credit Report – Signature Required on Phone Apps?
    Car Dealership and Customer Credit Reports
    SCRA – Report Delinquent History on Credit Report
    FACTA Verification - Fraud Alert on Credit Bureau
    Customer Wants Credit Bureau History Changed
    Adverse Action - Separate the Reasons for Denial?
    Pull Credit Report -Disclose at New Accounts Desk?
    Send Two Separate Adverse Action Notices?
    Call Center, Credit Scores & Adverse Action Notice
    Credit Bureau Reporting Required?
    Spouse Not on the Loan - Collecting Spousal Info
    Verifying Information for Loan when the Credit Report is Obtained
    Applying 334.82 When Pulling a Credit Report
    Pulling Credit Reports when Opening New Accounts
    Signature Required on Credit Report & ChexSystems?
    Account Denied - Official Denial Notice Required?
    Credit Report - Written Authorization Required?
    Requesting Copy of Credit Report Pulled at Bank
    Mortgage Pre-approval - Adverse Action Notice
    Pulling Credit Bureau Report - Customer Notice
    Obtaining Credit Bureaus for Our Auto Dealers
    E-Signature for Credit Check
    Send FCRA Adverse Notice to Individual & Company?
    Effect of Customer Pulling Credit Report
    Consumer Loan and Cosigner Procedures
    Pulling Credit Reports - Signed Forms Required?
    Required Form?
    Online Accounts & CIP
    Time Frame to Provide Notice of Action Taken
    FCRA Notice-Loan Denied Due to Low Appraised Value
    Obtaining a Credit Report - Signed App Required?
    Contacting the Applicant
    Check Verification Service - Customer Disclosure
    Help With an Abbreviation
    Timing of RESPA Disclosures
    Using Credit Info Obtained from Portfolio Reviews
    Pull a Credit Report for an Account
    Co-borrowers Liabilities & Credit Reports
    Credit Report Constitutes an Application?
    Customer Allowed Copy of Credit Report Under FCRA?
    Verbal Credit Authorization
    FACTA Notice to Home Loan Applicant
    Tri-merge Credit Report - Adverse Action Notice
    Credit Reporting on Guaranty
    Charging a Credit Report Fee at Closing
    Credit Report Fee
    Online Loan Inquiry
    Credit Report Run During Loan Pre-qualification
    Medical Disability Date Verification
    Employee Credit Report
    Using a Credit Report Pulled by a Mortgage Company
    Disclosing Credit Report Fee
    New Account Verification
    Copy of Credit Report Requested on Denied Loan
    Written Up - Red Flag Guidelines Not Finalized
    Credit Denied - Disclose Use of Outside Source
    Disclosing Credit Report Info to Customers
    Separate Negative Credit Reporting Notices
    Personal Loan Guarantor
    Wrong Credit Report
    FCRA Credit Report Credit Score Disclosures
    When Do We Send the Credit Reporting Warning?
    Credit Bureau Access for No Reason
    Credit Bureau Reporting
    When Is This An Application
    Credit Scoring Systems Under Reg B
    FCRA & Telephone Applications
    Notice for Withdrawn Applications
    Getting Permission to Run Credit Report on DDA
    Customer Credit Report Disputes
    FCRA and Deposit Accounts
    Prescreening on an Individual Basis
    Bad Credit Report & Employee Dismissal
    Car Dealership Pulling Credit Report
    Sharing Credit Report with Participating Bank
    Checking the FCRA box for excellent credit?
    CIP and Credit Reports
    Credit Reports on Former Customers
    Can you give the customer a copy of credit score/credit report?
    Credit Reports, Flood Determination, & HUD-1 Charges
    Small Business Owners & Credit Evaluation
    Guarantor Access To Borrower's Credit Scores
    Bankruptcy Discharged Debt: $0 on credit report?
    Credit Denied: Do we have to supply the credit report?
    Correct Address Of A Credit Bureau For Adverse Action
    Signature Required For Guarantor's Credit Report?
    Pulling Credit Report Without Customer's Signature
    Can we provide a copy of their credit report to a customer?
    Will Your Collateral Remain Insured?
    Educating Customers About Credit Reports
    Written Permission To Obtain Credit Report
    Providing The Credit Report To The Customer
    New Accounts & Credit Reports
    Can we decline to open a demand deposit account due to adverse credit reports?
    If we approve a customer for a loan and they want a copy of their credit report can we give it to them?
    Obtaining Credit Reports: Is a signature required?
    Beyond the loan applicants, can we pull the credit reports for those listed as source of other income?
    Credit Reports Spark Insurance Cancellations
    Notification Requirements When Pulling Credit Reports
    Obtaining Credit Reports: When do you need to get permission?
    Pulling a Credit Report on an Existing Checking Account Customer
    Extending Commitments, Extra Fees & Disclosures
    Sharing Credit Reports and Credit Scores
    Obtaining a Credit Report for New Accounts
    Mortgage Loans, Credit & Appraisal Costs, and Application Fees
    Monetary Penalties For Unauthorized Credit Reports
    Using Average vs. Actual Costs For Credit Report Fees
    Pulling Credit Reports


    Credit Scoring
    Using Credit Score to Determine Rates for Promo
    Timeframe for Credit Score Disclosure
    Send Credit Score Disclosures on Denial Letters?
    HELOC Which Credit Score to Choose of 3
    Reg V Credit Score Disclosure Regulations
    Credit Score Notice w/ AAN (Denying Deposit Accts)
    Reg B ECOA Changes to Adverse Action Notices
    When to Provide a Credit Score Disclosure
    About Ranges of Credit Scores
    HELOC Denial
    Credit Score Disclosure – Rental Property Purchase
    Commercial Purpose Loan - Required Disclosures?
    Credit Score Notice Timing
    Credit Score Disclosure to a Co-signer
    Credit Bureau Report - No Credit Score Given
    Loan Modifications & the Economic Crisis
    Credit Score Disclosure -Interim Construction Loan
    Giving Information to Non-Affiliate
    Call Center, Credit Scores & Adverse Action Notice
    Effect of Customer Pulling Credit Report
    CSDS Provided Prior to Closing?
    Timing of Credit Score Disclosure
    Advertising Rates based on Credit Scores
    Fair Lending - Second Review of Declined Loans
    Notice to Home Loan Applicant
    Investment Purpose Loan-Notice & Disclosure Given?
    Notice to Home Loan Applicant Disclosure
    Credit Checks- Bad for the Borrower?
    FACTA Notice to Home Loan Applicant
    Fact Act Letter
    Understanding Factors that Affect Credit Scores
    Notice to Home Loan Applicant Disclosure
    Federal Consumer Credit Score Disclosures
    FCRA Credit Report Credit Score Disclosures
    ECOA Discrimination
    Credit Scoring and Fair Lending
    Credit Scoring for New Accounts
    Can you give the customer a copy of credit score/credit report?
    Small Business Owners & Credit Evaluation
    Guarantor Access To Borrower's Credit Scores
    Lending Policies Using Credit Scoring
    Pricing Loans Based On Credit Scores
    Will Your Collateral Remain Insured?
    Credit Scoring, High Rates and FCRA
    Validating a Credit Scoring System
    Question & Answer
    COMPLIANCE NOTES - Evaluating Credit Scoring
    Fair Lending Gets Fancy
    What's The Score On Credit Scoring
    ECOA & Reg B What is a Credit Scoring System?
    OCC Issues Guidance On Credit Scoring
    New Uses for Credit Scoring
    Reg B Commentary: Scoring Age


    Currency
    Allowing Newspaper to Photograph Counterfeit Bill
    Servicing Your Currency Counting Equipment
    New Security Features of the New $100 Banknote
    Check for Change Order: "Currency Exchange" Field
    Business Card Money
    Cash Back on a Sole Proprietorship Deposit
    CTR - Exchanging Coins for Currency
    CTR on Currency Exchange
    Exempt entities & Currency Exchanges
    "In" and "Out"?
    Bait Money - Annual Change
    Foreign Currency Purchase
    CTR on Returned Stolen Money?
    Negotiable Instrument Log Entry
    Keeping Cash in the Safe Deposit Box
    Cash Vault Combination
    Payment & Withdrawals - Monetary Instrument Log
    Endorsement of Check Payable to Cash
    New Account Cash Bonus & the Toaster Rule
    Reg D - Teller Counter Cash Withdrawals
    Small Cash Deposits Totaling Over $10,000
    Courier Service Rules - Branch Cash Transporations
    Cashier's Check Payable to Cash?
    Surprise Cash Count
    Need CTR Filing Help
    Teller Cash Drawer Rules & Regulations
    Does this Add Up to a CTR?
    BSA Recordkeeping - Same Day Transactions Only?
    Cash in the Safe Deposit Box
    Counterfeit Pens & Old Bills
    CTR Reporting - Never Exempt
    Aggregate the Transactions & File a CTR?
    Counterfeit Bill Procedures
    BSA Exemption - Cash for Vault Replenishment
    Money Room Operational Controls
    Counterfeit Bill Info
    CTR on Euros
    Bait Money in Consecutive Numerical Order?
    Filing a CTR on a Cash Advance
    Purpose of Changing Bait Money
    BSA - Running Tickets During Currency Exchange
    Child's Play
    All About the New $50
    Using Copies of Money for Training
    Aggregating Deposits of Chain Restaurants
    BSA, Exempted Business Accounts, and Change of Address
    Counterfeit Currency Alert: Check the Watermark
    Isn't That the Wrong President?
    The New Color of Money Counterfeit Currency: Proliferation and Response
    SuperNotes Counterfeit Currency: What You Need to Know
    Currency Characteristics
    Know Your Money
    NEW Currency Issued


    Currency Transaction Reporting
    Listing CTR As Conducted On Own Behalf
    CTR for DDA Withdrawal On A Business
    CTR Deposit Into Business But For Personal Purpose
    Spouses Open IRA At Same Time-CTR Required?
    CTR Not Aggregating CTRs Correctly-Conductor
    Does 2nd Owner On Business Account On CTR?
    Does 2nd Owner On Business Account On CTR?
    CTR for Cashing Cashier Check for Internal Account
    How to Exempt Non Listed Business From CTR
    How to Fill Out The Last Name Foreign Customer CTR
    Change Orders Required to Be Reported on CTRs?
    CTR Informal Non-Profit: Form of Identification
    Right of FI To Obtain Info for Conductor (CTR)
    CTR Required for Deposit Over 10,000 In 1 Week?
    CTR for Transaction on Behalf of Another
    Revoking Exemption If Over 10,000
    Account # Affected If Avoid CTR w/SAR?
    How to Do CTR for Closing Living Trust CD
    Incorrect CTR Filing- Reflect on BSA Officer?
    File CTR if Different Deposits But Common Owner?
    Joint/Individual Deposits Require SAR & CTR?
    Identify Bank As 3rd Person? Deposit Into Internal
    Permanent or Branch Address for CTR?
    How to Classify A CD In A CTR
    Phase II Exempt Customer Status
    File CTR On A Local Tax Collector?
    Cashes CD & Puts Money In Checking Account-CTR?
    CTR Transaction Date for Foreign Currency Purchase
    CTR Check Unknown Box for TIN & DL
    CTR Amount for 2 Transactions on Joint Account
    List Business Entity As Only Owner for LLC CTR?
    Official Handout to Give to Customer Explains CTR
    How to Fill Out CTR for Foreign Cash Out
    CTR Form for Corp w/ 4 Beneficiary Owners
    Monetary Instrument Log Required if CTR?
    CTR for Cash Withdrawal for Joint Account
    Aggregate Amount for Multiple Trans Night Deposit
    How to Obtain DCN # if Not On BSA Entry Site
    How to File CTR for IOLTA Unknown Beneficiary
    CTR Required: $3200 Deposit & Check Cashed $7630?
    BSA CTR-DOEP to Revoke Exemption
    Aggregating Cashing Items for A CTR?
    How to Report CTR Fee for Cashiers Check
    CTR: Section A for Deposit Into Estate Account
    Report $300 Currency Exchange on CTR?
    CTR Required if Transactor on Both Deposits?
    How to Fill Out New CTR for Business Deposit
    Combining Business As 1 Designation of Exemption?
    New E-Filing Form FinCEN CTR Form 112
    Using RSSD# for CTR Filings
    Instructions On How to Complete Amended CTRs
    CTR Exemptions-Separate Form for Each Business?
    CTR and Check Cashing Fee for Non-Customers
    New CTR Form Require ID Collection of Entity?
    Required to List Business Signers if They Benefit?
    CTR for Check Cashed at CSR Window
    BSA/AML Motor Vehicles Ineligible Business Exempt
    Currency Amount for CTR-Immediate Cash/Deposit
    Officer Delivering Deposit-Part I A or B CTR?
    Filling Out CTR if Only 1 Owner Present for Joint
    Add Assumed Name to Existing w/CTRs?
    Site or Corporate Address for Business CTR?
    CTR Required for Over 10,000 Into Night Drop?
    Including Spouses in CTR for 2 Deposits
    Are Federal Credit Unions Automatically Exempt?
    Part B CTR-Armored Car Service Deposit
    Section B CTR-Multiple Individuals Deposits 10k
    How to Fill Out CTR for Purchased Foreign Currency
    CTR Required for Deposit In Business & Joint?
    CTR Amount for Cash Back Deposit
    Missing Physical Address for CTR Filing
    Sole Proprietor CTR-Use TIN or SSN#?
    List Both Clerks on CTR for 2 Deposits?
    Instructions on Completing New CTR Electronically
    Information on How to Fill Out New CTR Form
    Cash-In-Field Amount on CTR
    CTR for On Us Check -Considered Withdrawal? (34)
    People Added to CTR Need to Benefit from Funds?
    Benefits of Customer Being Exempt from CTR
    CTR If Funds Received on 2 Different Days (ATM)
    Benefactor on Check Over 10,000 (CTR Rule)
    Cashier's Check Payable to Treasury-CTR?
    Exempt Customer that is Owner of ATM?
    CTR Exemption
    CTR Put Cash In/Cash Out for Cash Exchange
    Fill Out CTR for Drop Off Deposit at Teller Window
    2nd Account Exempt from CTR (Phase II)?
    How Much Can Customer Withdraw w/o CTR Filed?
    Amount on CTR after Customer Cashes Cashier Check
    Required to Give Client a Copy of Filed CTR Form?
    Armored Car Service-Conductor Info for CTR
    Husband/Wife Cash Checks Separately-Report CTR?
    How to Complete CTR for Business DDA Account
    Guidance on CTR Exemption Status for Business
    Required to Provide Copies of CTRs for Subpoena?
    How to Delete CTRs that were Filed in Error
    Filing a CTR for On Us Check-Account # Required?
    Farm Credit Bank Qualify for Phase I Exemption?
    Consequences of Sending CTR after 15th Day
    Forged Checks Cashed at Different Branches-CTR?
    Completing CTR w/o Form of Identification
    CTR Exemption for Fundraising/Schools
    Teller Failed to Obtain Non-Member SSN
    Information Required for Joint Account
    How Long Do You Keep CTR?
    Joint Owner Acct.-Only 1 Makes Deposit/Withdrawal

    Would a CTR be required for 10,025.00?
    Exempting Costumer with a Limit or W/o Limit?
    Deposit to 3 Accounts in 1 Day-CTR Required?
    CTR Repossessed Property Purchased by Non-Customer
    BSA CTR Exemptions and Ineligible Customers
    Check for Change Order: "Currency Exchange" Field
    Customers on CTR for Deposit to Joint Account
    Phase 1 CTR Exemption Listed Company/Subsidiary
    CTR Required for Joint Account Withdraws?
    Exempting Customer with SAR for Structuring
    Check Cashing Businesses-CTR
    BSA/CTR Filings Section B-Deposit or Shipment
    CTR Required When Numerous Checks Cashed?
    Designating Exempt Person for CTR Reporting
    Procedure for LTD Deposit over 10,000
    Missing non-customer SSN for CTR
    When should a SAR or CTR Not be Reported
    Completely a CTR When Identity Unknown
    CTR and Monies Sent to Federal Reserve
    Section 13 of CTR
    Managing CTR Exemptions
    CTR for Multiple Employee Bonus Checks?
    Account Number on CTR?
    CTR Filing on Business or Individual?
    What is Reported on a CTR?
    Filing a CTR for a Custodial Account
    Joint Account: Do Both Get a CTR?
    Filing a CTR Correctly
    CTR on Foreign Customer?
    Exemption from CTR
    Completing a CTR Form
    Exempt from CTR
    Doing a CTR for a Custodial Account
    Is Business Exempt from CTR?
    Where to Enter Conductor Identification in CTR
    When to File a CTR and/or MIL
    Filing and Filling Out a CTR
    Big Deposits: CTR or SAR?
    BSA Officer to File and Sign CTR?
    Refer-a-Friend, pay the Friend
    How to do CTR for Authorized Signer
    CTR on Non-profit Organization?
    CTR Filed for Withdrawal of Retirement Funds?
    Filling Out a CTR
    Information about a CTR Conductor
    CTR Form
    Filing CTRs Based on Business Owner
    CTR for Third Party Check
    Boxes to Check Filing a CTR
    Negotiable Instruments versus Withdrawals
    CTR and Joint Account Holders
    Naming People on a CTR
    CTR on Behalf of Estate
    Problem Opening Custodian Accounts for Minors
    Risk-Based Evaluation for CTR Exemption
    CTR Filing - Out Ticket Description
    Should We Have Filed a CTR for this Transaction?
    Including ATM withdrawals in CTRs
    Info Required on Phase 1 Exemptions
    CTR on Armored Carrier Services for MSBs
    FinCEN DBA CTR Filing Ruling
    BSA Reporting of Foreign ATM Deposits
    CTR Filing - Joint Account Deposit
    CTR on Cash Loan Payment
    Exempting Public Utility Co – Phase I or II?
    CTR Exemption for a Church
    Aggregate CTR on Separate Spousal Withdrawals?
    CTR on Family Trust Account
    CTR on a Trust Account
    Don't Inform Customer of CTR Exemption?
    CTR - Spousal Withdrawals from Separate Accounts
    Monetary Instrument Report
    Correct CTR Completion for SMLLC
    CTR Cap?
    CTR – Weekly Cash Shipments
    CTR - Exchanging Coins for Currency
    CTR on Cash in Safe Deposit Box?
    CTR on Currency Exchange
    "In" and "Out"?
    CTR on Cashier's Check
    OFAC Check - Non-customer Transactions
    CTR Exemption Revoked – Report to FINCEN?
    Cedular Card
    Valid ID for CTR
    Identifying information
    Business Customers & CTR Filings
    CTR – Payroll Checks Cashed for Multiple Employees
    CTRs & Joint Accounts
    CTR - Account Cash Withdrawal
    SAR Filing Methods
    Foreign Currency Purchase
    CTR on Returned Stolen Money?
    CTR Reporting – Customer Query
    Negotiable Instrument Log Entry
    CTR Filing - US Mint Coins
    Deposits on Behalf of Exempt & Non-exempt Customer
    CTR on an Attorney Escrow Account
    CTR – Cash Back on a CD
    CTR exemption – Listed or Non-listed Business?
    BSA – Is Savings Bond a Monetary Instrument?
    CTR Reporting – IOLTA Accounts
    CTR Completion Confusion
    CTR on Bank Courier Service
    CTR - Attorney State Bar Client Trust Account
    Amending BSA Policy
    CTR on a Local School
    New CTR Exemptions?
    CTRS on Totten Trusts & TXUTMA Accounts
    Representative Payee - CTR Filing
    CTR on Closing Cost Down Payment
    CTR Filing – Joint Spousal Account
    FINCEN Brochure on Structuring
    CTR Form Filing for Two Transactions
    CTR on Non-Resident Alien – TIN Required?
    CTR Completion - Dollar Amount Used
    CTR Exemption - Must Customer Request Exemption?
    CTR Exemption Review Form
    CTR – List Each Conductor?
    Wire Transfer - Name on CTR
    Biennial Exemption of a Government Agency?
    Please Define Phase I & Phase II Exemptions
    Phase 1 Exemptions- Statement of Condition
    CTR Filed on Exempt Customer
    Monetary Instrument Log Record Retention
    BSA Log - Convenience Signer Deposits
    BSA/AML Violations - Penalties/Prison Terms
    CTR on a Rep Payee Account Q & A - Follow Up
    Small Cash Deposits Totaling Over $10,000
    Does Exemption Apply to All Banks Under the BHC?
    CTR or Bond Redemption - Non-Customer File
    File a CTR on Friends/Family or Just Depositor?
    Filing CTRs with DBAs – Most Current Ruling
    CTR on Spousal Sole Proprietorship Account
    Check Payable to Two Individuals – File a CTR?
    The Woman in the Lobby – File a CTR?
    Include the Minor on the CTR?
    Phase II Exemption Debate
    Include Beneficiary on the CTR?
    CTR - Separate Deposits in Same Owner LLCs
    Customer Address on the CTR
    Seasonal Exemption
    Complete a CTR & MIL?
    ATM Withdrawal Triggers CTR Filing?
    IRS Requesting a Copy of a CTR
    CTR on a Courier Service
    University Health Science Center Account
    CTR on a Non-profit Organization
    Need CTR Filing Help
    SAR & CTR Required?
    Exempt Customer Purchased by Non-exempt Company
    Does this Add Up to a CTR?
    BSA Recordkeeping - Same Day Transactions Only?
    Inform Client of CTR Filing?
    Purchase of Monetary Instrument Under $3000
    New Accounts Automatically Exempt, Too?
    Unknown Depositor - CTR Filing
    Not Renewing Exemption - FinCEN Notification
    CTR Reporting - Never Exempt
    SAR Required on One Time Deposit or Withdrawal?
    SAR Required on One Time Deposit or Withdrawal?
    CTR on Deposits into Personal & Business Accounts
    CTR Completed in the Name Of?
    CTR Reporting on Owners of Tax Exempt Organization
    Gifts to Employees
    CTR - 2 $9000 Checks Cashed at Different Branches
    CTR on Incoming Wires
    Aggregate the Transactions & File a CTR?
    CTR on a Representative Payee Account
    BSA Exemption - Cash for Vault Replenishment
    CTR Filing on a Two Owner Business
    Wire Transfer - CTR Required?
    CTR on a Family Trust
    CTR - Employees Cashing Payroll Checks
    Structuring - SAR Filing & Board Notification
    CTR Exemption List - Informing Customers
    Lost CTR
    To File or Not to File?
    Amending an Exemption
    CTR Filing on Separate Deposits
    CTR - Original Transaction or Combined Transaction
    CTR on Night Deposits & In-person Deposits
    Correcting an Unnecessarily Filed CTR
    Exempting Seasonal Businesses
    Close the Account or Continue Filing SARs?
    Would Customer’s Regularity Warrant a SAR?
    CTR on Euros
    CTR - Savings Bond Purchased for Spouse
    Filing a CTR on a Cash Advance
    Business Customer Exemption
    HR 323 & CTR Exemptions of Seasoned Customers
    Do We File a CTR When Multiple Checks are Cashed?
    CTR - Customer Notification
    Filing a CTR - Check is Over a Year Old
    Title Companies Required to file CTRs & SARs?
    CTR Pamphlet
    "Reasonable Effort?"
    BSA: Report Change in Procedure to the Board?
    CTR Completion Guidance
    Exemptions and a Newly Acquired Bank
    Filling Out a CTR - Customer Query
    BSA Exemption List Removal
    CTR Filing - Deposit Made After Check Cashing
    Savings Withdrawal - CTR Required?
    CTR Exemption Extends to New Business?
    CTR Reporting Exemptions for Sole Proprietorships
    Different Accounts, Same Owner-CTR?
    File a SAR In Lieu of a CTR?
    CTR - DBA Account
    15 Days to File a CTR - Calendar or Business Days?
    File a SAR In Lieu of a CTR?
    CTR Reporting – Exempt Organizations
    Occupation "Retired"?
    CTR - Info From Both Account Holders Required?
    File a SAR After Filing a CTR
    If Transactions are Over $3,000, Make a Copy?
    Filing CTRs on Joint Accounts
    Telling Customers the Bank is Filing a CTR
    Incorrect CTR Penalties
    FINCEN Form 104
    2 Deposits in 2 Accounts on the Same Day, CTR?
    PODs on the CTR?
    Co-mingled Funds
    Safe Deposit Boxes - CTR Required?
    Aggregation for BSA Thresholds
    CTR Blank Guidance
    CTR Information on Absent Account Owner
    Deposit into Business & Personal Account, CTR Required?
    A Customer Wants a Copy of a CTR
    Filing SARs & CTRs Online
    CTR on a Night Deposit
    Do We File a CTR on Another Bank?
    Developing A Successful Bank Secrecy Program: To Catch A Crook, Think Like One
    OTB Exemption for CTR Reporting
    Back-filing CTR Instructions
    Activity History Needed for CTR Exemptions
    Designation of Exempt Person
    Public Schools and CTR Exemptions
    Completing CTR Correctly on Check Cashing
    Completing a CTR for Aggregated Transactions
    Understanding Multiple Transactions and CTRs
    Multiple Currencies and New CTR Form 104
    Format for CTR Form Submissions
    CTR for Weekend/Monday Deposits
    Deposit to Joint Account Triggering CTR
    Completing a CTR on Two Deposits
    Informing Customer of CTR
    Verifying Nonprofit Organizations
    CTR When Cashing Checks for Others
    BSA Enforcement: Expensive!
    Giving a Customer a Copy of a CTR
    CTR Required for Cashing Loan Proceeds Check?
    Smurfing
    Getting a Copy of a CTR
    FinCEN Expands E-Filing System: BSA Reports Can Now Be Filed Over Secure Internet
    BSA Enforcement
    Reportability of Cash Deposits into Two Accounts
    Completing a CTR for Joint Account Deposits
    CTR, Exempt Person Form, and Reportable Transactions
    Are CTR Exemptions Mandatory?
    Current CTR Form Expires?
    CTRs & "Multiple Transactions"
    CTR on an Estate Account
    Cash In & Cash Out Added For CTR?
    Reportable or structured transaction?
    Four DBAs -- One Account?
    Passport Required ID For W-8?
    CTR violation?
    CTR Filing Time Frame?
    Must all account signatories be listed on CTR?
    SAR or CTR?
    Exempting A Customer With Multiple Locations & EINs
    FinCEN Sheds Light on Exemptions
    CTR: Use The Name On Driver's License or SSN Card?
    Multiple Business Deposits: Should we file a CTR?
    CTR Exempt List: How should you handle an exempt customer that no longer makes frequent cash deposits?
    Filing A CTR When A Power of Attorney Is Involved
    CTRs, Holding Companies, and Aggregating Transactions
    CTRs: On joint accounts, is the transaction on behalf of all account owners?
    Are we required to monitor Internet Bill Payment transactions for CTR reporting?
    Bank's Liability For Forged CTR Signatures
    Obtaining CTR info from a noncustomer check payee
    Consequences of wrongfully granted BSA exemption
    CTR: Transaction By An Individual On Behalf Of Himself & Others
    Reporting Large Cash Withdrawals & Joint Accounts
    CTR Beneficiaries: What if the sole proprietorship, the owner, and and authorized signer are all on the account?
    CTR Reporting: Aggregating Deposits & Withdrawals
    BSA: Should we file a late CTR if we discover an error on an old transaction?
    CTR Re-Exemption Form: What are the consequenses of failure to file?
    CTR Exempt Customer, Account Closing, and the Exemption List
    Is there a way to verify that CTRs have been received by the Treasury?
    CTRs on Joint Account Withdrawals
    Multiple Daily Transactions & Filling Out The CTR
    CTRs & Businesses With Multiple Addresses
    Can a police auction account be exempt from CTR filing?
    Is "retired" a valid response for the designation of profession on a CTR?
    Multiple Business Accounts, Large Cash Deposits, and CTRs
    The kids are paying off their parents mortgage with cash! How do we fill out the CTR?
    CTR Completion Procedures
    CTR Exempt Person Forms For Corresponding Banks
    A Confusing CTR Question
    One Tax ID, Multiple Accounts, and a CTR
    When Multiple Accounts Are Affected by a CTR Filing
    CTRs for Wire Transfers?
    Correspondent Banks and the Designated Exempt Person Form
    CTR Penalty For Non-filing
    CTR Filing Requirements: One Customer, Five EINs
    Recording "Purchased on behalf of" Information On MISLs and CTRs
    CTR Exemption For "Check Cashing" Store
    CTR Filing: Cashing On-us Checks For More Than $10,000
    Exempt Person Designation and Local Businesses
    County Cash Deposits & CTRs
    Requirements: Exemption From CTR Filing
    Can you inform the customer you are filling out a CTR?
    CTR Yes - SAR No


    Custodial Accounts
    Can UTMA Account Be Used As Collateral?
    Court Ordered Custodial Account Identification
    Purpose/Different Types of Custodial Accounts
    Filing a CTR for a Custodial Account
    Opening a Custodial Account
    Switching Custodial Account to Joint Account
    Doing a CTR for a Custodial Account
    Problem Opening Custodian Accounts for Minors
    Uniform Transfer to Minors Act
    The Minor is No Longer a Minor
    Custodial CD as Collateral
    Custodian Borrowing Against Minors Account
    SS Representative Payee Change
    IRS Levy on Custodian – Hold UGMA Funds?
    Guardian/Custodian Account Questions
    Representative Inquiry
    Difference Between IRA Custodian & IRA Trustee
    Custodial Account vs UTMA
    Minor Account Documentation
    Custodial Savings Account in lieu of a UTMA?
    Custodian Withdrawing Funds from UTMA
    UTMA – Death of Minor
    UTMA – Death of Custodian
    UTMA Checking Account
    Agent Closing UTMA Account
    MAUTMA Passbook Savings Account
    POD on a TXUTMA?
    FDIC Insurance - Definition of Official Custodian
    FDIC Insurance – Corporate Custodial Accounts
    UTMA Ownership
    UTMA Checking Account
    Transferring HSAs to a Custodian
    Successor Custodian or POD on Minor Account
    Protecting Bank from Possible Minor Mischief
    Reg E Applicable to HSA Debit Cards?
    Death of UTMA Custodian
    Custodial Check
    Issuing a Custodian a Debit Card
    Minor Check Cashing
    Disbursing UTMA Funds Without Custodial Approval
    Custodian's Funeral Paid by Minor Account?
    More Than One Minor on an UTMA?
    UTMA Custodian
    UTMA with a Co-custodian
    Fiduciary Adding a Signer to an Account
    Beneficiary Access to UTMA Funds
    Custodial Check Cashing Against a Minor Account
    Changing Custodians on a UTMA
    Minor's Account - Death of the Custodian
    Power Granted by Springing POA
    Death of Custodian on UTMA
    Fiduciary Responsibility on UTMA Account
    Proper Parameters for an Agent Account
    Account Styling: Custodial Accounts
    Account Styling: Title Company Escrow Accounts
    Delegating Responsibility For The Custodian Of An Account
    Documentation: What verbiage should be used when defining a successor custodian?
    Designating A New Custodian For An UGMA Account
    Designating A Successor Custodian For A Minor
    Depositing Custodial Checks Into Personal Accounts
    Can a custodial account be used as collateral for the custodian?


    Customer Information
    Reg On Business Checks Deposited Into Personal
    Customer Information Files/Correspondence
    Copy of State ID Required for Proof of Identity?
    Paper Required to Open a Business Account
    How to CIP and Title Property for IRA Loan
    Definition of a Customer and Depository Account
    ID for Beneficiaries on Checking Account
    Sharing Customer Check/Account Info
    Recordkeeping of CIP Information
    Sharing Customer Info with Bank’s Brokerage Firm
    Surveillance Video
    Giving Information to Non-Affiliate
    Notifying Customer of Compromised Debit Card
    GLBA and Customer Information
    Charged Off Accounts - Annual Privacy Notices
    Clean Desk Act
    Right Answers, Wrong Voice
    Regulations Covering Customer Info Change
    Customer Financial Info - Policy & Procedures
    IT Training Requirements
    Marketing - Obtaining Customer Information
    Collecting Email Addresses
    Script to Detect Pretext Calling
    Talkative Teller
    Privacy and Endorsement Account Numbers
    Admin Access to Prior Account Activity
    SAR: Staff Member Disclosed Client Info to 3rd Party
    Handling a Breach of Customer Privacy
    Disclosure of Confidential Customer Information
    GLBA agreement with third parties
    On Privacy…
    Executive Briefing: Privacy v. Marketing
    Monitoring Service Providers
    Encrypting Customer Data
    Privacy II: Gramm-Leach-Bliley Strikes Again
    GLB: Exam Procedures for Information Security
    Privacy Regulations & Affiliates


    Customer Service/CRM
    Discontinue An AOD Program After Several Years?
    Place to File Consumer Complaint on Website?
    Copying Customer's US Treasury Checks
    Online Banking Chat
    Call Center, Credit Scores & Adverse Action Notice
    Tailoring Customer Marketing in Real Time
    Winning New Bank Business In Quick Time
    Training CSRs
    Fitting Into The Urban Scene
    A Lesson Learned
    Sales on the Frontline
    Just Try To Sell This Idea!
    Teller Excellence ... To be or not to be

    Jamaican Customer Service
    ATMs For Visually Impaired
    What The $&%*@$^ Has Happened To Customer Service??????
    WAMU's "Occasio Concept" Catches On
    Advisory Boards Made Up of Bank Customers
    Customer Reaction to Image Statements
    Creditor of the Year
    Financial Institutions Bullish In Spending On Tech
    Back To The Future
    Major Fishing in the SBA Pond
    Keeping Customers After a Merger
    Marketing Idea: Using Senior Gatekeepers To Increase Your Business and Customer Service
    Position Your Bank & Products as Gateways to Desired Experiences
    Taking Business from the Competition
    WAMU's "Occasio Concept" Catches On
    New Services Available At The ATM
    Information Sharing With Financial Institutions: Should You? Or Maybe Not!
    Offering Loan Products In Spanish
    Free Online Consumer Payment Service
    Bankers Lead in Education Efforts
    Financial Education: Out Of The Mouth Of An FRB Governor
    Customer Disputes & Reissuing Check Card
    Speak To Me!
    Sophisticated Banking By Phone
    Why Do We Care About Unfair?
    Customer Retention
    Convenience To The Max
    Targeting Those on the Move
    Helping The Bank To Say 'Yes'
    Can we close an account if we feel that a customer is up to no good?
    Verifying Customer Identity Beyond the Veil
    Old, Moldy, and Out of Compliance
    The Bank of the Future Is Here Now
    Court Examines Bank's Duty to Elderly Customers
    BANK CAUSES HEART ATTACK?
    Helping Older Customers With Deposit Slips
    Questioning The Customer About Customer Service Quality
    Get Ready For Customer-Driven Loyalty-Based CMR!
    I Have A Dream! (of the perfect CRM System for the banking industry)
    Deriving Value from Customer Marketing Solutions
    Supporting Customers and Boosting Confidence
    Monitoring Customer Complaints
    The First CRM Rule for Financial Services: Stop Pushing Products and Start Building Relationships
    Calling Inactive Account Holders
    CRM Tools For Small Institutions
    Your Two Customer Service Questions
    You want customers. But what do your customers want?
    Online Customer Service Tips
    Establishing a Customer Verification Process
    You want customers. But what do your customers want?
    Don't skimp on training
    Document with a call report
    Increasing Response On Customer Opinion Surveys
    Customer Satisfaction Surveys: Do they work?
    Wanted: One Chief Customer Officer
    Customer Service Tech Support
    EDITORIAL - Where Customer Service Is Hiding
    IN THE NEWS - Drive-Throughs Restricted
    IN THE NEWS - New Program from Deluxe
    IN THE NEWS - Survey Finds Many CEOs Involved in Customer Relationship Management
    Statements by E-mail
    EDITORIAL - Our Greatest Commodity-Caring
    EDITORIAL - We Are Doing Something About It!
    EDITORIAL - We're Proud Of You
    EDITORIAL - Customer Service Is Not Enough
    Have A Complaint?
    What Is A Customer?
    EDITORIAL - The Only Constant Is Change
    WHAT DO OTHER BANKERS DO? - Get Ready, Get Set,…
    EDITORIAL - "I Know There Are A Lot Of Banking Regulations, But I'm Not Familiar With All Of Them.
    Turn Customer Conflict Into Customer Service
    WHAT DO OTHER BANKERS DO? - "I Can Handle That For You"
    EDITORIAL - A "Lose-Lose" Position
    EDITORIAL - Mass. Banks Institute "Consumer-friendly" Changes
    George's Point Of View: "Knowing Your Customer"One Step Further
    Gracias…Danke… Thank You!
    WHAT DO OTHER BANKERS DO? - Concentrate On Customer Service!
    "Did You Hear What I Said?"
    Believe It Or Not?
    Good News-Bad News
    Our Customer's Concerns
    Priorities
    What Do Other Bankers Do? - Hats Off!
    What Do Other Bankers Do? - The Banking Office of the Future is Here!
    A Hint For Small Business Owners
    Baby Boomers Grow Up
    Student Loans Not Always A Good Deal
    The Importance of the Internal Customer
    What Do Other Bankers Do?
    WHAT DO OTHER BANKERS DO? - CEO Says Customer Service Reps Know What Customers Want
    WHAT DO OTHER BANKERS DO? - How To Keep Customers
    WHAT DO OTHER BANKERS DO? - New Approach - Back To The Basics
    Your Customers Need Your Help!
    Customer Corner - Accentuate The Positive
    How Do You Handle The Irate Customer?
    You'll Have A Choice






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