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eBanking/Email EBT ECOA EEOC EFT EFTPS EIN Elder Financial Abuse Electronic Statements Employee Employee Theft Encoding Endorsement Equal Housing Ergonomics Error Notification Error Resolution Escrow E-Sign Estate Ethics Examinations Examiner's Corner Executive Briefing Executive Officers Expedited Funds Availability denotes Guru Question & Answer. e-Banking/Email E-Statements Not Being Viewed Is a Downloaded App Electronic Redelivery Of Returned E-Statements Electronic Document Retention by a Consumer E-statement Verification Internet/Email E-Sign Opt-In - Must It Be Handled Electronically? Paper Statements for E-statement Customers Vishing and Smishing IT Training Requirements Bank Employees' Role in Phishing Protection Internet Accounts - Branchless Bank ACH/Ebanking Reports & Records Retention Email Newsletter Customer's Recourse with Merchant Email Taglines Outgoing Email Confidentiality Notices Reuse of Consent EH Logo on Website Website Changes & Website Record Retention Free Checking with E-statements Internet Banking Disclosures Privacy policy and Security Statement E-Statement Retention - Fed Rules About the CAN-SPAM Act Fair Housing Poster on Bank Website E-statements - Signature for Affirmative Consent Official Checks - 3rd Party Online Bill Pay Single Online Sign-on for Owners and/or Signers Ordering Debit Cards - Signature Required? Corporate Debit Card Disclosures Reg E - Stolen Debit Card Debit Card Transaction Time Limit EBT Card Surcharging Internet Banking Guidelines Collecting Email Addresses E-Statements Linking from a Third Party Site Rethinking Banking Strategy Electronic Payments - Checking Accounts Only Business Email Retention Eliminating Risk from Electronic Banking Putting a Face with a Name Pre-funding Website Compliance Issues Is Online Banking Really Worthwhile? Assessing the Risk of Electronic Delivery Channels Inter-Company Transfers Using Web Banking Account Opening - Requesting Email Addresses Can We Truncate Statement Account Numbers? Multi-factor Authentication Notification Internet Disclosures & Notifications Statements Via Internet Only High-End Copiers May Be a Security Gap E-Statement Compliance Opting Out of Multi-factor Authentication Online Loan Inquiry Electronic Disclosures Eliminating Risk From Electronic Banking Channels Reg E - Ebanking Wire Transfers Check Imaging & Reg E Compliance Issues Reg E Compliance for Beginning of 2007 Considering your current controls when assessing the risk of your electronic delivery channels Wire Requests Via E-mail Placing Speed Bumps on Our E-newsletter Online Application Disclosures E- Banking & VRU Transactions Considered EFTs? Regulation Regarding Receipt of Deposit By Email Has any Financial Institution proven the business case for physical and second factor authentication? Inform Customers of Multi-factor Authentication Delivery of E-statement Disclosures eStatement Service Signed Form for Online Banking Required E-statement Verification Employee Statements Sent Via Email Customer Notification to Deactivate Online Account Do I have to perform a Risk Assessment on all of my electronic delivery channels? Sending Financial Information Over Non-secure Line Reg D - ACH Transaction a Check or E-Transfer? E-mailing Early RESPA Disclosures What is the Difference Between Pharming & Phishing? Advertising Via E-mail E-mail Record Retention E-statement Disclosures Returning an Unauthorized E-Check Correct Verbiage for Consumer Loans on Website Regs & Disclosures for Internet Banking Bill Pay Are Periodic Mail Statements Required? New Customer ID Verification Procedures PC Banking & Unlimited Permissible Transfers Regs & Disclosures for Internet Banking Bill Pay Required Website Disclosures Pull Method Rules for E-statements Best Practices for Website Record Retention Common Website Violations Badly Managed Electronic Communications a Danger Paper? or Plastic? FDIC Insurance Scam Using Your Network to Reduce ID Theft FACTA May Cause Rise in Complaints Know Thy Firewall Email and Internet Fraud More Scams using FDIC Fraud, FDIC and FACTA Using Email for Product Solicitations Which Rules Govern Returned e-Checks? Web Site Modifications Electronic loan processing question Website Security Measures for Online Applications Regulation Regarding Receipt of Deposit By Email Deciding if Online Banking is the Right Fit Record Retention for Internet Banking & Bill Payment Disclosing ODP Via E- Bill Pay & POS Transactions Monitoring Customer Electronic Statements Out of Wallet Questions OFAC SDN Notification E-Mails Internet Banking and Corporate Accounts Policies for Online Banking Wire Transfer Via On-Line Banking Retaining eMail Statements by E-Mail E-Mail Warning to Customers eBanking Disclosures in hard copy? Differences Between Bill Pay and Online Checks Data Needed to Verify New Internet Banking Users Authorized Signers Using Internet Banking Guru Compilation: Email/Web Issues (PDF) Email Retention Risks should be assessed before marketing via e-mail Email Tips Email from IRS? Nope, Just More Phishing Guru Chatter on eBanking Issues (PDF) E-Sign & Demonstrable Consents E-Statements to Minors Smart Cards on Campus Information Security: Authentication In An Online Environment Effective IT Policies Cost of Paper vs. E-statements E-Disclosures for Real Estate Loans Offering Convenient College Payments Banks Use Corporate Cards to Replace Checks Web Address on Business Cards Instant Messaging Software De-activating a Customer's Internet Access e-Delivery E-Stop Payment Requests Reg E Disclosure on Bank's Web Site Analyzing Effectiveness of e-Banking Web Site Accessibility and the ADA Monitoring Company E-Mails Phishing Scams On The Rise Pitfalls of Opening Accounts Over the Web Posting Officer Info on Web Site Test Driving E-statements Archiving Web Site Changes Giving Automation to CIB Marine Email Insecurity Email Retention Guidelines Test Drive Procedure on E-Statements Pros and Cons of E-Statements Online Transfers Under Reg D Separate Policy for Internet Banking? Fraud Gets Its Own Unit At Experion Web Page Funds Availability Disclosures Reg E Disclosures on Web Page When can a national bank use electronic communication as customer notification for securities transactions? What is the definition of "e-banking"? ATM Cut Off Time Sample Letter To Restrict ATM Card Usage New Services Available At The ATM Call $$$ For Cash? Information Sharing With Financial Institutions: Should You? Or Maybe Not! Online Loan Applications, Disclosures, and CIP Free Online Consumer Payment Service Integrating Check Imaging and Internet Banking Systems Internet Banking: Reg E Disclosure Requirements Speak To Me! Sophisticated Banking By Phone Electronic Marketing Info Source Online Banking: Is a paper statement required? Displaying Loan Rates & Web Site Compliance Online Activities & CIP Electronic Check Guide Available From FED STATUS OF ELECTRONIC CHECKING: We're Getting There! Record Retention & E-Statements Posting Privacy Notices For Non-Customers On The ATM Risks Associated With Customers Placing Stop Payments Online Are E-Banking Transactions Considered "In Person"? E-statement Regulations Financial Institutions May Soon Use Real Time Alerts Funds Transfer: Are customer e-mail instructions valid? Push" and "Pull" Internet Account Statement Delivery The Risks of Weblinking Boeing CU Opens "Tellerless" Centers A Billion ACH Payments Added in 2002, NACHA Announces Web Site Award Small Businesses Targeted for Internet Banking What should you do when a family member steals a customer's ATM card? Online Bill Payment & Outstanding Checks Web Loans, Web Adverse Action Notices? Privacy Notices To E-Customers Customer Approval For E-Checks Linking To Government Web Sites Limiting Financial Institution ATM Withdrawal Liability By Contract Internet Transfers & MMDA Limitations Boosting Consumer Adoption of Online Transactions Online Reg E Disclosures Electronic Savings Account Regulations Corresponding With Customers Via Unencrypted Email eBanking Audit E-statement Considerations Email Retention Requirements NACHA Survey Shows Growth of Electronic Bill Payment Sample Financial Institution Web Site Email System Security Drafting An Agreement For An Online Product E-statement Availability Notification eBanking Market Share Electronic Disclosures and Contracts - Part 2 - Understanding UETA Web Page Insurance Affiliate Disclosures Improve Site Performance: Do's and Don'ts of Bank Site Usability Gain Customer Insight: Bank of America Gives Away Bill Pay to Improve Customer Relationships (and make money) Online Access Agreements & Hard Copy Retention Requirements Internet Banking Controls For IT Online Access Agreements & Hard Copy Retention Requirements Search On Your Site: What ALL of Us Can Learn from the Top Mortgage Company Sites Internet Banking In Smaller Towns Internet Banking Disclosure Requirements For Mortgage Applications Drowning in Spam Want to Make Money with Online Bill Pay? Stop Trying! Showing Your Rates Online Longevity of Online Statements Internet Banking Fees: Can notification of changes be make (only) on the web site? Growing Number of US Households Banking Online Conducting an eBanking Audit Web Sites and Loan Rates Insight into E-statements Email Scam Targets Bank Web Sites 7 success strategies to strangle the e-lenders Legal Issues Regarding Electronic Payment Products eBanking: What insurance issues should we consider? Online FDIC Logo Requirements What is eBanking? Internet Violations: Insley's Top 10 eBanking Rants and Raves NextBank, NA's Failure: What does it mean for you? Making Sure Your Customer Authentication Method is Commercially Reasonable Think About Disclaimers For Your Online Banking Site Using Email Marketing: The Latest Legal Development Customer Resources For Internet Banking Security Bill Presentment Benefits Internet Banking Popularity Is Your Site Secure? Recent eBanking Glitches Transfers Between Business and Personal Accounts Making Customers Comfortable with Online Services Are E-checks a Good Thing? Controlling Non-Interest Expense: Reducing the Cost of Processing Transactions Who's Who Online eBanking Explained eBanking: Is it becoming more popular? Working Together With Business Customers On E-commerce Activities Bank Branding Services Best Banking Products For Email Targeted Marketing Promoting Online Bill Payment Why the Internet Should be Viewed as an Essential Delivery Channel Online access Passwords Online loan applications EBPP The Future of Electronic Payments Policy on Internet Access DSL Internet Access Stop Payments While eBanking We finally figured out eBanking. What's mBanking? eBanking education Customer Selected Passwords: Are We Liable? Web Site Transactions, Disclosure, and Recordkeeping How To Attract Visitors To Your Web Site Guidelines For Offering Electronic Banking Services Financial Privacy Notice: Does it cover web sites? What about "cookies"? Guidelines and Checklists for Bank Web Sites Privacy Notice, Web Sites, And Cookies Core Processing: The Heart of a Bank The Gray Area within Online Financial Services, Part 1 eBanking Planning & Implementation Online Banking Demographics Promoting Online Banking The Skinny on Small Businesses Banking Online How Do Customers Use Online Banking? A Guide to Implementing Internet Banking Growth in Internet Usage and its Impact on Online Banking Monitoring an Online Banking Web Site Choosing an Online Banking Vendor Log That Email! Measuring Internet Banking's Impact on the Bottom Line Question & Answer Question & Answer Question & Answer Banking on the Internet: Advertising Banking Goes Electric Remote Deposits to Net Accounts All Electronic Loan Process A Step Closer Email: Two-Edged Sword, Part II - Second Edge Low Mileage Accounts Email: Two-Edged Sword ABA Offers Identity Validation Certificates "Checks" by Internet Electronic Signatures IN THE NEWS - Internet Check Payments Internet Banking With Yet More Twists WHAT DO OTHER BANKERS DO? Hispanic Bank Site AOL/Intuit Offer Bill Paying Competition Heats Up For Electronic Bill Payments G & L Internet Finds New Market IN THE NEWS - Buy Savings Bond On The 'Net IN THE NEWS - Electronification - A New Word Appears in Banking IN THE NEWS - How's THIS For A Guarantee? IN THE NEWS - Internet Banking OCC Addresses Electronic Banking Three Bank Giants Offer Bill Paying An Internet Bank Success Story Bank Online -Or Maybe Not Dialing for Dollars IN THE NEWS - ABA Bidding to Become Trusted Third Party IN THE NEWS - Doing Banking Online IN THE NEWS - More On Banking At The Microwave IN THE NEWS - OCC Issues Internet Banking Handbook IN THE NEWS - PayMyBills - A Personal Bill Payment Service IN THE NEWS - Virtual Banks Using "No Fees" to Compete Treasury Details Electronic Account Features IN THE NEWS - One Step Closer To Total Service Internet Adds Services Online Service Brings Instantaneous Response Online-Only Bank Question & Answer Bill Paying Made Easy In The News� - Easier Access To Home Banking EBT COMPLIANCE NOTES - Promoting Electronic Deposits Regulation E and the EBT Debate Countdown To A Check-free Government ECOA Reg. B - Equal Credit Opportunity Is Direct Marketing to Seniors an ECOA Violation? Fed Address for Submitting Adverse Action Notice No Adverse Action - ECOA Disclosure Required? Loan Denied to Illegal Alien- Adverse Action? Loan Denied Due to Cosigner's Bad Credit Commercial Loans - Adverse Action Letters Is Not Reissuing a Card a Denial for Reg B? Notice Required for Denied Checking Account? 88 Year Old Applying for a 30 Year Mortgage Is an Adverse Letter Required? Making Regulatory Burden Worse Applications "Closed for Incompleteness" Do We Now Need Business Loan Applications? Marketing Club Account to Young Professionals Is Free Checking for 50 & Older an ECOA Violation? ECOA Requirements on Term of the Loan Who Are Americans? Reg B. Commercial Adverse Action Is this prohibited discrimination? Regulation B: The More It Changes, The More It Stays The Same ECOA and Income: When and How to Verify Senior citizen promotions & ECOA violations Conditional Approval - Conditions Not Met Guru Compilation: Reg B (PDF) "Joint Credit" Acknowledgments on FS Updates Credit Bureau Reporting Copy of ID in Loan File OK? Credit Scoring Systems Under Reg B Adverse Action Notices and Co-Applicants Determining Joint App Intent Over the Phone Reg. B - Complete Application Providing a Notice of Right to Receive Appraisal Notice of Credit Denial on Joint Applicants Record Retention for Denied Loans Delivery of the Adverse Action Notice ECOA Discrimination Overdraft Privilege and "Adverse Action Notices" under ECOA Required Info on Credit Applications Time to Complete an Incomplete Application Notice for Withdrawn Applications The Only Thing Compliance And Commercial Lending Have In Common Is The Letter "C" Commercial Loan Applications And Reg B Does a Fax Equal a Phone Call? Discrimination Issues for Foreign Speaker Debit Cards & Loan Denial Forms Prequals Under HMDA Evidencing Joint Application Intent on Biz Loans ECOA Notice Requirement Are All Estate Accounts Required To Have EIN? Account Styling For Joint Ventures EEOC Is Your Bank EEO Compliant? EEOC Overview Undercover Investigation Justifies Terminations Is this Discrimination? Legal Issues in RIFs September 11 Doesn't Justify Discrimination Against Muslims, Arabs, Others "Unconscionability" and Other Issues in Mandatory Arbitration Clauses Is Hiring on the Basis of Appearance Illegal? EEOC Settles Same-race Discrimination Complaint How to Investigate Sexual Harassment Complaints EFT Reg. E - Electronic Funds Transfer Would These CDs be Subject to Reg E? Angry & Confused Over Reg E Debit Card for Sole Proprietor Periodic Statement Transaction Information Debit Cards, Fraud & Reg E Consumer Liability Determined by Reg E or Visa? Debit Card Fraud - Provisional Credit Time Frame ACH Stop Payments Commercial Account unauthorized transactions Reg E Foreign ATM dispute Reg E Audit - Merchant Credit Services Parent's Debit Cards, Minors & Internet Purchases Unauthorized ACH - 24 Hour Rule VISA v. Reg E Foreign ATM Reg E Claim Reg E Problems Yearly Savings Statement Reg E - Non Receipt of Funds Reg E Protection for Business Accounts? Reg E - Permanent Credit? Corporate Debit Card Disclosures Electronic Right of Offset No Provisional Credit - No Real Proof Needed? Reg E - Pending Item Reg E & Non-resident Aliens ATM/Debit Card Suspension - Customer Notice Preauthorized EFTs & "Substantially Regular Intervals" Reg E Dispute Open an Account if You Want a Loan? Outdated EFT Disclosure Debit Card Dispute Transaction Timeframe Stolen Debit Card - Dispute Denied ATM/Debit Card Agreement Can We Truncate Statement Account Numbers? PIN Negligence - Customer Liability ATM Balance Information Reg E - Notice In lieu of Periodic Statements Consumer Liability for Negligence in PIN-Handling Written Statements and Reg E Errors European Vacation ATM Card Rip-off Reducing Error Resolution Time Frame EFT Check Collection Length of Time to Dispute Transaction Unauthorized Use of Prisoner's ATM Card CAN-SPAM - Clear & Conspicuous Reg E Compliance for Beginning of 2007 Service Charge Change Notice Reg E Compliance Checking/Savings Statements E- Banking & VRU Transactions Considered EFTs? Visa Dispute Resolution Letters Error Resolution Reporting Debit Card Disclosures ATM Dispute Claim Reg E - Merchant Refund EFT - Once and Future Stop Pays EFT - Visa - Line of Credit NACHA's Settlement Date or Reg E's Statement Date? Customer Gave PIN Number to Family Member Sole Proprietorships & Reg E Employees Required to Open Account at Other FI for Payroll Deposit Helping Customer Resolve Stolen ATM Card Issue Can't Force Employee to Open Acct at Bank Customer Doesn't Want a Monthly Statement CU Responsible for Member�s Loss to Phishing Scam? ATM, POS & "Checkless Account" Disclosures When Does "Finders Keepers" Apply? Customer Liability, Fraudulent Card & Card Number Unauthorized EFT - Bank Notified After 60 Days Real Time Money Transfers Loan Interest Rate Discount for Automatic Tran Required disclosures for new accounts Are Credit Unions Subject to Regulation E? Reg. E Error Resolution Notice Regulation E Fee Disclosures - �205.7(b) Reg E - Debit Card for Trustees of Living Trust Reg. E and CD Interest Transfers Identifying Accounts With Reg. E Activity Regulation E, Check Conversions, the ACH and Stop Payments Debit Card Program for Businesses Does the Error Resolution Notice Change the Terms? Sending Unsolicited Debit Cards Savings Funds Availability Periodic Statements on Passbook Accounts with EFTs Reg. E Fee Disclosure Breakdowns Everything EFT: Reduce Fraud, Improve Service, Reduce Costs, Get Ready for ePayments Recovering Reg. E Claims Amounts Paid Out When is a Business Day for Reg. E Is this an ACH transaction? Reg. E Unauthorized Use & Had PIN Paying Interest on Disputed Amounts Statement Description EFT System and Automatic Holds Reg. E Liability - PIN on Card Reg. E Applicability Confusion Statement Disclosure Requirements Reg E Disclosure on Bank's Web Site ATM Surcharge signs De-activating a Customer's Internet Access Timeliness of EFT Claim and PD Report NACHA & Business Accounts Bank Liability When Customer Writes PIN on Card 60 Day Rule on Business EFTs? Gross Negligence and ATM Disputes Cardholder Liability for Negligence Stored Value Card Dollar Limit Reg E Coverage of Automatic Loan Payments What Falls Under the Term "Debit Card" Resolving Business Debit Card Dispute Ticking Clock on Reg E Claims Withholding Provisional Credit When Cardholder Fails to Report Refusing Oral Stop Payment Orders Our ATM, Foreign Card, Who Handles Claim? Skimming and ATM Losses Merger-Related Fee Changes Unauthorized EFT Claims Christmas Club Accounts and Reg E Reg E Disclosure Revisited Average Holding Time for Pre-Authorized Transactions Updating Reg E Disclosures A Touch Of Convenience Direct Deposit into Passbook Savings Forgery Affidavits & Electronically Processed Checks Reg E Disclosures on Web Page Savings Account Statement Frequency & Account Activity Stop Payment On Check Card Transactions? Internet Banking: Reg E Disclosure Requirements Reg E: Is a sole proprietorship a natural person? A Billion ACH Payments Added in 2002, NACHA Announces Error Resolution Timing EFTA PowerPoint Presentation ATM Liability: Is the institution liable for losses from customer negligence and/or theft of the PIN? ATM Surcharge Notice Mischief Reg E Error Resolution Disclosure Requirements Reg E: Online Bill Payment & Overdraft Responsibility Correcting EFTA Disclosures For Internet Banking DDA Periodic Statement Requirement Check Card Disputes: EFT or Credit Card Rules? Periodic Statement Requirements For Accounts Not Subject To EFTs Is there a EFT Compliance checklist available to guide one thru a EFT Compliance Audit? Charging Fees For An Erroneous Error Report on an EFT Error Resolution Under Scrutiny Question & Answer Update Proposed for Reg E Commentary Regulation E Proposal to Amend Regulation E on ATMs Question & Answer Regulation E Changes for 1999 Question & Answer The Cost Of Internal Sabotage EDITORIAL - "Don't Do It!" Question & Answer New Time Frames for Reg E Error Correction Question & Answer Regulation E and the EBT Debate Mergers = Theft? OCC Makes Use Of Fast Track Question & Answer Fast Track Program Not Good News Question & Answer Question & Answer She Used To Work For You EDITORIAL - White Collar Crime: Financial & Moral Dilemma Know Your Employee Wire Transfer Alert! Internal Fraud EFTPS Eliminate FTD Coupons-FREE EFTPS Offers Taxpayers a Way To Schedule Tax Payments In Advance EFTPS Offers Individual Taxpayers Convenient Ways To Make Tax Payments EIN EIN & SSN - Same Number? SSN for a Single Member LLC? CTR on a Family Trust Two Separate LLCs, Same Owner & Same EIN EIN Required on all Estate Accounts? Business LLC & DBA - Two Separate Entities? Political Campaign Account Getting Around ID & SSN Requirments Living Trust.. SSN or EIN? Documentation for a Joint Venture Account Corporate Definitions Account Styling SSN vs EIN If Your Customer Needs an EIN Separate EINs for Same Business Documents Required To Open A Business Account Verifying Authorized Signers Under CIP Exempting A Customer With Multiple Locations & EINs Are All Estate Accounts Required To Have EIN? Account Styling For Joint Ventures Elder Financial Abuse Protecting Your Elderly Customers from Financial Abuse Elder Financial Abuse Prevention Elder Financial Abuse Regulation/Regulator Compliance Checklist for Elder Financial Abuse Requirements Top Ten Signs of Elder Financial Abuse Electronic Statements Requiring E-Statements E-Statements Not Being Viewed Redelivery Of Returned E-Statements Electronic Document Retention by a Consumer Requiring e-statements on employee accounts E-statement Verification E-Statement Change of Terms Notice E-Sign Opt-In - Must It Be Handled Electronically? Paper Statements for E-statement Customers e statements Reuse of Consent Yearly Savings Statement E-Statement Retention - Fed Rules E-statements - Signature for Affirmative Consent E-Statements Can We Truncate Statement Account Numbers? Statements Via Internet Only E-Statement Compliance Pull Method Rules for E-statements E-Statements to Minors