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DBA    Debit Cards    Deceased Customer    Decedents
Delinquent Accounts/Loans    Deposit Accounts
Deposit Insurance    Digital Signature    Direct Deposit    Directors    Disabled Customer    Disaster Recovery    Disclosures    Discrimination    Dodd-Frank Act
Do Not Call Rule    Dormant Accounts    Drafts    Due Diligence

Deceased Customer
Only Signer on Incorporated Acct. Passes Away
Requirements for Cashing in Certificate of Deposit
Temporary Card Enough to Gain Access to Account?
How Long Can Estate Account Remain Open?
Depositing Checks Made Payable to a Deceased
Record Retention for Death Certificates
Documents to Pay Heirs on Deceased Account
Special Forms for Monies Claim (Under $30,000)
Sending Statements to Deceased's Address
Procedure After Owners Safe Deposit Box Pass Away
Rules for Surviving Joint Owner Account
ACH's on Single Party Account w/ Deceased Owner
Holds on Deceased Estate w/ Administrator
Policy for Deceased Costumer's Loans/Account
Handling Social Security Check Upon Death
Authorized Signer Rights on Deceased's Account
Releasing Safe Deposit Box to Executor
Distributing Funds from Single Member LLC
Sole Lessee of Safe Deposit Box Dies
Rearranging Accounts of Deceased DBA
Checks for Deposit to Decedent's Account
Decedent's Account Has Less than $20: Payout?
Counting Days for Dispute Notification
Decedent's Account Has Less than $20: Payout?
Offset from Deceased's Joint Account?
Deleting a Deceased Joint Owner
Can Authorized Signers Still Sign when Owner Dies?
What Do Co-executors Sign?
Levy for Deceased Customer
What to do with Deceased's Account
Representative Payee Duties
Continuing to Charge Fee After Death of Customer
Deceased Account Owner: Still Process Fees?
Account Owner Deceased: Change Account?
Authorized card user on decedent's account
Information to Lawyers about Decedents' Accounts
O/A/O on Check
CD with POD
Death of Business Principals
Check Payable to Deceased Individual
Death of Trust Owner - Set Up Estate Account?
Joint Tax Refund Check - Deceased Co-Payee
Executor Closing a Joint Account
Send Deceased Customer an Adverse Action?
Death LLC Account Owner
Continue Taking Distributions on Inherited IRA
Guardian/Conservator Ceasing Upon Death?
Checks Payable to Deceased Parent & Customer
Estates & Death Certificates
IRA CD Maturity Notice
UTMA – Death of Minor
UTMA – Death of Custodian
Restyling Revocable Trust After Spouse Dies
POA Writing Checks After Customer's Death
Return Check "Payee Deceased"?
Resubmit Disclosures in Surviving Spouse's Name?
Death of Joint CD Owner - Account Closing Penalty
No Co-Owner or POD on Decedent Account
Estate Checks With No Estate Account
Releasing Account Info to Estate Representative
Handling Deceased Trustee's Checks
Both IRA Owner & Beneficiary are Deceased
Deceased Customers - Backup Withholding
Deceased Customer -Stolen Debit Card Transactions
POD's Whereabouts Unknown
Handling a Reclamation
POD's SSN Required?
Admin Access to Prior Account Activity
Authorized Signer, Deceased Joint Owner
Offset of Account with a POD Beneficiary
Check Payable to New Customer & Deceased Mother
Trusts and Checks Payable to Estate of Deceased
Customer Deceased, Can We Deposit to the Account?
Check Fraud on Deceased Customer's Account
Opening an Account for a Deceased Person
Paying Checks After Death of Depositor
POD CDs: Handling Interest after the Customer has Died
ACH debits after notice of death
Who Trumps, POD or Personal Representative?
Deceased Payee & Forged Endorsement
Authorized Signer, Deceased Account
Distributing Decedent's IRA to a Trust
Reporting Large Balance in Account of Decedent
Jointly Payable Checks Where One is Deceased
IRA Customer Died Before Taking RMD
DNE Notification on ACH
Guru Chatter on Interest Reporting
Death of Sole Safe Deposit Renter
Deposits of Decedent's Checks into Joint Account
Deceased Customer Affidavit
Death of Sole Owner
Drilling a Deceased Customer's Box
How should we handle uncashed CD interest checks for a deceased customer?

Decedents
Providing Information to Estate Executor
Corporate Signer Dies: What Now?
Certificate of Voluntary Administration
Explain Trustee's Signature
Executor Closing a Joint Account
Decedent Trust TIN
No Co-Owner or POD on Decedent Account
Estate Checks With No Estate Account
Surviving Payee Negotiating Treasury Check
Deceased Father's Economic Stimulus Check
Handling Deceased Trustee's Checks
Personal Rep Endorsing Decedent's Saving Bond
Decedent Funds
Paying Expenses from Decedents Account
Death of UTMA Custodian
POD Designation & Probate
Signer Rights After Account Owner's Death
What does TOD Mean?
EIN Required on all Estate Accounts?
Handling a Reclamation
POD's SSN Required?
Admin Access to Prior Account Activity
Decedent’s Right to Financial Privacy?
Joint Checking and Estate Settlement Problem
Deceased Customers
Minor's Account - Death of the Custodian
Estate Ownership of a Safe Deposit Box
Handling Interest After Demise of Depositor
IRA Check Payee Has Died -- Now What?
Handling POD CDs when owner dies
Trusts and Checks Payable to Estate of Deceased
Where to Deposit a Check Payable to a Decedent
What's the Priority Claim on an Estate?
Opening an Account for a Deceased Person
Identifying & Freezing a Decedent's Account
Process to Close a Decedent's CD Account
Paying Checks After Death of Depositor
TIN for a Burial Trust Account
Authorized Signer, Deceased Account
Distributing Decedent's IRA to a Trust
Reporting Large Balance in Account of Decedent
Access to Decedent's Safe-Deposit Box
After Safe-Deposit Renter Dies
Safe Deposit: Drilling Safe Deposit Box Of A Deceased Owner
Joint Accounts: How To Handle The Death Of A Joint Owner
Handling A Reg E Claim If The Claimant Dies
Administering Accounts For Deceased, Non-Probated Single Owners
Is it a requirement to update joint accounts when one accountholder dies?
Question & Answer
EDITORIAL - Check The Obituary Column, Please
Question & Answer
Quesiton & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer

Delinquent Accounts/loans
Confiscating Collateral
New Reg Z - Workout Loan
Right of Offset – Account Hold
Delinquent Mortgage - Escrow Analysis Guidelines
Credit Bureaus on Guarantor
State or Local Government - Collateralize Deposits
Regs Governing IOLTAs, IRETAs & Funeral Trusts?
POA Appointing Another POA?
Advertising a CD Special
Dormant Account Signature Card Safekeeping
Imposing a Default Rate of Interest on a HELOC
SCRA Notice in Past Due Mortgage Notices?
SCRA – Report Delinquent History on Credit Report
Customer Refuses to Pay Escrow
Mobile Home Loan Default - Demand Letter
Business Loan Collections
COBB Collection Letter
Credit Reporting on Guaranty
SCRA - Finalized HUD Notice
Statutory Bad Debt
Accounting for Fees in Delinquent Payments
When Does A Loan Get Considered Delinquent?
Paying Past Due Taxes and Accruing Interest
It's a Matter of Choice
Protection Against Identity Theft
Contacting Borrower in "Cure" Period
Taking Delinquent Loan Payments From A CD
Industry Averages For Credit Card Charge Offs
Using a CD to Offset a Delinquent Note
Collection: Behavioral Scorecard For Delinquent Accounts

Deposit Insurance
Mailing Notices to Customers about Dodd-Frank
Sweep Account - Reg D Violation?
Sweep Account - Reg D Violation?
CD Deposit Insurance Coverage as of 1/1/2014
Trust is Not a "Natural Person"?
FDIC Ruling on POD Accounts
$250,000 FDIC Insurance Limit Permanent?
Corporate Business Account - FDIC Insured?
Advertisement for Stored Value Cards
FDIC’s Payout Time Frame on Insured Funds
FDIC Insurance Coverage - Commercial Accounts
Deposit Insurance -Joint Account Two Beneficiaries
FDIC Insurance & Sweep Accounts
Temporary Liquidity Guarantee Program
FDIC Insurance Changes - New Signage Required?
Advertising Increased Insurance
Deposit Coverage of Insurance Co Escrow Account
Advertising Non-FDIC Insured Products on Website
Insurance Ad Rules
Sole Proprietor Vs Sole Practitioner
Deposit Insurance Coverage After Bank Merger
Account Opening - Requesting Email Addresses
Deposit Insurance Statement in Loan Ads
New FDIC Logo
FBO Accounts
Advertising a Private Insurance Carrier's Logo
FDIC Issues EDIE on CD-ROM
Are irrevocable trusts covered by FDIC deposit insurance?
Ownership & Insurance of Account
FDIC Membership Requirements
Advertising NDIP and Insured Products on the Web
AARP Boosts Higher Insurance
Securing Deposits In Excess Of FDIC Insurance
FDIC Insurance for Joint Accounts
COMPLIANCE NOTES - More Help From FDIC
Compliance Notes - FDIC Makes Changes to PODs
COMPLIANCE NOTES - Deposit Insurance Booklets
Question & Answer
COMPLIANCE NOTES - Insured or Not: FDIC's Customer Guide
FDIC: A Free Resource
COMPLIANCE NOTES - Homepage Alert: FDIC Logo

Digital Signature
Digital Signature Technology: Who is responsible?
Legally Binding Electronic Documents
The Future of Electronic Payments
E-sign, Web Transactions & Digital Signatures
Stop Payment Requests by Email
Debit Card Payments Authorized by Digital Signatures
Digital Signature Technology: Who is responsible?
Biometrics In Banking
Government Starts E-Check Program

Directors
Reg O & Interest Rates
Reg O - Preferential Treatment
Reg W - Lending Limits
Reg O – Loan to Business Owned by Director's Wife
Reg O - Loan to a Director's Company
Reg O – Overdrawn Director's Account
Board Approved Loan?
Reg O - NSF Fee Refund
Reg O – Insider’s Shares
Reg O – Overdrafts & Related Interests
Loan to Company - Director is Shareholder
Loan to Entity - Demand Clause Required
CIP - Bank Director Refinancing Second Home
Advisory Director Liability
Reg O - EO Signer on Overdrafted Account
Reg O - Aggregate Lending Limit
Reporting SARs to the Board of Directors
Annual Security Reporting to the BOD
Reg O - Bancshares as Collateral
Reg O Overdraft Provisions
Paying Director's Uncollected Funds Check, No Fee
AFBD Required for Director?
Reg O Overdraft Limitations
Reg O – The Director Isn’t the Borrower, but ...
Board Training Program
Demand Feature Provision Applicable to Directors?
Waiving the Overdraft Fee - Director is Signer
Insider Report Requirement on Guaranty?
Lending Reports to the Board of Directors
Corporate Governance: Governing the Governors
Prohibiting Benefits for Good (Director) Customers
Annual Policy Reviews
Reporting SARs to the Board or a Designee
What Reg 0 amount to report?
Clarification Sought on Reg O Overdraft Provision
Waiving Service Charges for Directors
Board Approval of Policies
Does Reg O Allow Waiver of a Director's Late Fee?
Wanted: Template For Annual Report To The Board
Annual BSA Program Approval?
Fiduciary Responsibilities For Directors
What Directors Should Know

Direct Deposit
Reclaiming Deceased Customer's Social Sec. Funds
Closing Account Receiving Government Deposits
Charitable Contributions
Overdrawn Account - Right of Offset on SSI Benefit
Debit Cards for Minors Receiving SS Direct Deposit
$100 for Opening an Account with Direct Deposit
VA Reclamation - Obtaining Funds Paid to Survivor
Reg E - Direct Deposit of Bank Employee Payroll
Direct Deposit of Her Payroll into His Account
Direct Deposit/Minimum Balance Required
Nursing Home as Representative Payee
Verification of Direct Deposit by Government Agency
Employees Required to Open Account at Other FI for Payroll Deposit
Closing Account of an Incarcerated Customer
Recourse for Reversed Direct Deposit
Two Reg Q Questions
The Levy, The Spouse and The Direct Deposit
$50 for Direct Deposit & Funds Transfer
Countdown To A Check-free Government
Major Payroll Company Offering Cards
ACH debits after notice of death
Government Check Cashing on Small Balances
Requiring Direct Deposit for Employment
Social Security deposits to frozen accounts
ACH Tax Refunds to Another's Account
Paying OD in Anticipation of SSA Deposit
Social Security Deposits to Frozen Accounts
DNE Notification on ACH
Direct Deposit into Passbook Savings
A Billion ACH Payments Added in 2002, NACHA Announces
Can We Offset If We Receive A Reclamation?
Social Security Offsets: What Now?
Bank Offsets Against Social Security & V.A. Direct Deposits
Direct Deposit is a Success for U.S. Employees and Businesses, NACHA Tells House Subcommittee
When the Direct Deposit Recipient and Account Owner Don't Match
Required Direct Deposit

Disabled Customer
Opening Individual Account for Incompetent
Mortgage for a Mentally Challenged Customer
Helping Older Customers With Deposit Slips
Accounts For The Mentally Disabled
Elderly Accountholder Concerns

Disaster Recovery
Catastrophe Policy and FEMA Regulations
Conducting Services during a Disaster
"Hurricane Ike" - Flooded Vault Planning is the Key!
How Good is Your Emergency Plan?
Limiting Cash During a Disaster
Disaster Planning for Pandemic Flu
"Hurricane Katrina" - Flooded Vault Planning is the Key!
People with Wet Feet Don't Make Good Decisions
BOL Disaster Recovery Center
Disasters and Customer ID Programs
Advantages of Direct Deposit/Payment
FEMA Card Fact Sheet (pdf file)
Disaster Recovery: After the Hurricane
New Disaster Recovery Requirements
Business Continuity Planning - At the Top of 2004's "To Do" List
Are You Ready For A Disaster?
Must Disaster Recovery Facilities Be 50 Miles Away?
Damage Control
Being Ready for Bomb Threats
The Best in Human Nature Can Bring Out the Worst
Preparation Priorities: Twenty Areas To Check NOW
When disaster strikes
CHILDREN'S REACTIONS TO CRISIS: HOW PARENTS CAN HELP
Tragedies and the Midnight Deadline - What Can You Do?
Emergency Response Plans: A New Area of Emphasis for Employers
Disaster Recovery Guidelines
Important Issurances
Anthrax - Knowledge is Power
Anthrax Update
ITI on the Front-lines of an Actual Disaster Recovery
Disaster Recovery Procedures: How should I notify my crisis team during a crisis?
An Ounce of Prevention . . . Contingency Planning as a Strategic Tool
Disaster Recovery Steps to Take Now
Bank Needs in the Wake of 9/11
Disaster Recovery Guidelines
COMPLIANCE NOTES - Y2K Contingency Planning
COMPLIANCE NOTES - Powerless for Y2K?
COMPLIANCE NOTES - Surge Protection?
Question & Answer
Y2K Contingency Planning What Else Can Go Wrong?
Disaster Recovery: What If…
IN THE NEWS - Disaster Emergency Funds
What Do Other Bankers Do? - "We're Here For Them"
It Wasn't A Volkswagen
Disaster Recovery Terms Clarified By EFTA
EDITORIAL - Me? Not Me…Maybe Some Other Guy, Though
How Would A Disaster Affect Us?
Are You Ready For A Disaster?
EDITORIAL - Disaster Recovery-Get The Picture!

TIL Disclosure: Required Deposit & Demand Feature
Disclose Cancellation Fee on the HUD1?
TIL Disclosures for Loans to Trust
ATM Disclosures Regarding Fees And Availability
Are disclosures necessary for a $1MM consumer loan?
PMI Disclosures On The Settlement Statement
Curing HOEPA Violations
Disclosures To Mortgage Co-signers?
Online Loan Applications, Disclosures, and CIP
PMI & Sale of Insurance Disclosures
Internet Banking: Reg E Disclosure Requirements
Calculating HOEPA Loan Amount?
Required Disclosures For A Closed-End Draw Note
Car Dealers, Fees, and Disclosures
Disclosure Requirements For Auto Debit Reduced Rate Loans
Reg B Changes Roundup
Multiple Products, One Ad, & Disclosures
Disclosure Requirements: Mortgage Rate Tied To DDA Balance
Affiliated Business Disclosure Situation
Telephone Mortgage Applications & Required Early Disclosures
Required Fees Listed On TIL Disclosure
Consumer Construction Loan Disclosures
Adding Marketing Language To Monthly Statement
Construction Loans, Permanent Loans & HUD Disclosure
Rescission Period for Incorrect Disclosure
Must Privacy Notice Be Posted On ATMs?
ATM Reg CC Disclosure
Disclosure Requirements: Declining An ATM Card
Notifying Customers Of Overdraft Line Of Credit Use At The ATM
Font Specifications For Credit Card Disclosures
What is the TIL Definition Of A Credit Sale?
Adverse Action Notices: When And To Whom?
Preliminary Mortgage Disclosures: Should we send them on Submission or completion of the application?
Required Disclosures For General Inquiries
Online Reg E Disclosures
Point of Sale Transactions: NSF Fees & Disclosures
Reg E: Can we deviate from the model disclosures?
Solicitation Letter, APR, and Disclosures
Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs
Should You Tell Your Customers?
New Law Mandates Hacking Disclosures
Online Disclosures For Special Rates
Preliminary disclosures: When do you start counting the days?
Business Loans, Oral Denials, and Notice Requirements
Reg Z, Billing Error Resolution, and Initial Disclosures
Auto loans, Debt Cancelation Agreements, and Insurance Sale Disclosures
Early TIL Disclosures & ARM Loans
Disclosures: Changing Terms On A Consumer Loan
FBI Monitored Accounts & Customer Disclosure
Disclosing Business Loan Details
Construction Loan Disclosures
Web Page Insurance Affiliate Disclosures
Residential Bridge Loan Disclosures
Disclosures For Distributing Promotional Brochures At Public Events
The Loan Is Denied: Do you still need the insurance disclosure?
Requirement for Spanish Disclosures?
Failing to Make Early Disclosures
Using The Bank Statement To Disclose "Change In Terms"
Question & Answer
Federal Reserve Adopts E-Disclosure Rules
Acknowledging Receipt of Disclosures Electronically

Discrimination
Credit Report - Ongoing Employment
Bank Querying Customer on Age & Retirement Plans
Higher Deposit Rate for Wealthy Neighborhood
History of Overdrafts – Refuse Online Banking?
Offering High Rate Savings Account in Affluent Area
Loan Denied to Illegal Alien -- Follow-up Question
Is this Discriminatory?
Income for Home Loan Qualification
Reg E & Raising POS Transaction Limits

Dodd-Frank Act
Definition of Covered Entity or Covered Person
EFA Change under Dodd-Frank
Dodd-Frank Requirements for Transaction Processing
Dodd-Frank Requirements for Transaction Processing
(see Financial Reform)

Do Not Call Rule
DNC List
Survey DNC Customers
Cold Calling
Enter Contest - Receive Bank Product Emails
Privacy Regs and "Tell a Friend" Marketing Program
Cold Call Do's and Dont's
Privacy Laws & Marketing to Non-Customers
"Do Not Call" Coverage
Making your Do Not Call Policy Available
Who belongs on your own DNC list?
Summary of the Do-Not-Call Requirements
Are You Telemarketing?
Do-Not-Call Definitions
Strategies for Avoiding DNC Litigation
Claimed DNC Violations
DNC-Related Links
Free Downloadable DNC Policy

Dormant Accounts
Changing Statement Cycles on Inactive Accounts
Drawing Fees From Dormant Account
Changing Status of Accounts
Dormant Notice on Certificates of Deposit
Right of Offset from the Dormant Account
Dormant CD Guidelines
Dormant Account – Time Length to Escheat
Dormant Account Signature Card Safekeeping
Inactive & Dormant Accounts - One in the Same?
Inactive Account Fee
Dormant Accounts - Privacy Notices Required?
Free Checking Advertising - Inactive Account Fee
Dormant IRA Savings Accounts
Free Checking Account Inactivity Fee
Dormant Account - Customer Requests Active Status
Debit Card Change In Terms-Before Product Launch
Charging a Fee for Inactive Accounts
Levies on Dormant Accounts
Death of Sole Safe Deposit Renter
Dormant Fees on Official Checks
Safe Deposit Box Drilling: What do you do with the contents?
Dual Control & Dormant Account Signature Cards
Is there a time frame for claiming funds from a failed institution?
Account Closing: What to do if you can't locate the customer?
Definition of Dormant CD
Removing an account from dormant status
More on dead cashier's checks
Dormant Account Fees
How do you determine if an account is dormant?
What are the rules for determining if an account is dormant?
Regulatory Requirements For Dormant Accounts

Drafts
How Long to Return Item on Paper Draft
Reg D Transfer Limit Change
Reg CC – Insurance Draft
Unauthorized Items - 24 Hour Rule
ACH Debits - Three or Six Limit?
Returning an Unauthorized Paper Draft
Time Requirement for Paying Check Vs Draft
Debit Draft Form
Unauthorized Paper Draft/ When Do We Recredit Acct
Refusing & Returning Drafts on Savings Accounts
Unauthorized Draft, What Do We Do?
Rules for Paper Drafts Initiated by Telephone
Demand Draft: California and Nebraska
Business Customer Claims Unauthorized ACH
Are We Responsible for "Buyer's Remorse"?
Returning Unauthorized Draft on Commercial Account
Timeframe for Return of Unauthorized Telephone Drafts
Sixty days to return paper draft?
Time Frame For Return Of Unauthorized Draft
Return Of Draft, Fees, and UCC Deadlines
Is there a time frame to return an unauthorized draft on account?
Risks with Drafts
What are the rules for paper drafts on customers?

Due Diligence
Due Diligence in Overseeing MSB Accounts
Who Does Vendor Due Diligence?
Third Party Vendor Due Diligence
Car Dealerships - CIP & Due Diligence
Due Diligence on a Spouse
Assigning a High Risk Rating to a Repeat SAR Suspect
Deadline for Customer Due Diligence & Risk Rating
Enhanced Due Diligence on a 34 Act Company MSB?
Due Diligence on MSB Customers
SAR Reporting and Due Diligence
Fraud Database In The Works
Due Diligence For Service Providers

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