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denotes Guru Question & Answer.

e-Banking/Email
Adding E-bills to E-banking
Hold Notices Via Email?
New E-Verify Rules
Delivery of E-statement Disclosures
E-statement Verification
Bounceback Rules
Website Changes & Website Record Retention
CIP – Employee Online Account Viewing
Marketing Via Email Blasts & Networking Sites
Charters/Policies on Bank’s Website
Educating Customers about Facebook Scams
Preventing Whaling
Link to Error Resolution Notice
Account Balancing Form
Hacked PC – Who Takes the Loss?
Pop Up Box
Hacked PC – Who Takes the Loss?
Listing an APY in a link on the bank's website
Cross-Channel Management
Complying with E-SIGN
Reg E Spreadsheet - Effective Transaction Date
Sending Email Marketing
Tech & Phishing Jargon
Online Banking Chat
Retention of Website Pages
Re-credit Phished Customer?
Switching Formats
E-statements & ESIGN Compliance
Red Flags Rule Compliance
E-Statements - Customer Notification
Retention of Electronic Disclosures
Mortgage App and E-SIGN
Bounced E-statements - Rules/Practices
Resetting Password – E-sign Verification Required?
Lending & the E-sign Rule
UIGEA Policy & Procedures
Web Application Privacy Notice
Products Offered Electronically
E-Statement Authorization
Sending Notices Electronically
Advertising APY
What is Spear Phishing?
Does Log On = E-SIGN?
Consumers and E-SIGN
Website Disclosures Implementing E-SIGN
Push & Pull - Explanation Needed
Returned/Bounced E-mail Statements
Sending Email Ads to Selected Brokers
Required Website Disclosures
Required Website Disclosures
Dubious Fraud Claims
BlackBerry Banking - Time Out Control Default
Stop Email & Paper Statements Per Customer Request
Access to Internet Banking
Annual Privacy Statement Mailings
ESIGN or UETA
Esignatures
Estatements and Multiple Accounts
Internet Based Loan Applications
Green Financial Services Marketing: Leading the Way to Eco Friendly Business Practice
Bounced E-Statement
Weblink to OREO
Bounced E-Statement
Web Linking from a Realtor's Site to our Mortgage Site
Notice of E-statement Ready for Viewing
Same Online ID for Business & Personal Account?
Using 'Secret Questions' for Identification
Compliance Info for Emailed DDA/SAV Statements
Implementing the Red Flags Change of Address Verification Requirement
Placing Speed Bumps on Our E-newsletter
Delivery of E-statement Disclosures
History of Overdrafts – Refuse Online Banking?
Retention of Declined Online Credit Applications
Online Banking Deactivation
The Importance of Record Retention
Wireless Wallets
Choosing an Anti-Phishing Vendor
What to do when Your Institution has been "Phished"
Preventing Charity Fraud
Email Marketing
Undeliverable Electronic Statements
Internet Banking Password Regulations
Offering E-Deposits - Compliance Issues?
Special Information Booklet Via Weblink?
Web Site Compliance & Disclosures
Offering Web Account Opening
Automated Account Opening
Enter Contest - Receive Bank Product Emails
Documentation Proof of Authorized Transaction?
What is the Difference Between ACH & EFT?
Negligent Customer Disputing Charges
Protecting Customers from Online Tax Scams
Tailoring Customer Marketing in Real Time
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
ECOA, Reg B & Risk Mitigation
The Equal Credit Opportunity Act
Reg B - Completed Applications
ECOA Applicability - Joint Vs Individual Credit
Listing Reason for Denying Loan Applications
Are We Required to Get Marital Status on Loan App?
Separate Loan Apps for Unmarried Co-borrowers?
Reg B Form Signed on Commercial Credits?
Joint Applicants - Separate Adverse Action Notices
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
Reg E Change? Track EFT Inquiries
Debit/EFT Coming Through a Closed Account
Canceled Online Transaction – Provisional Credit
ATM Notice Removed
ATM Non-customer Fee Disclosure
Customer & Merchant Debit Card Dispute
EFT Agreements and Business Customers
Refusal to Close Debit Card – Bank Liability?
Case Law & Debit Card Owner Negligence
EFT Procedures & Forms
Reg E - Dispute Time Frame
Sample Reg E Resolutions Letter
Pinned Credit Card Transaction Dispute
Reg E – Written Complaint
ATM Disclosures
Reg E – Customer/Merchant Dispute
Reg. E - Errors on Closed Account
Reg. E Dispute - Investigation Exceeds 90 Days
PIN Guidelines
Reg E Spreadsheet - Effective Transaction Date
Re-credit Phished Customer?
Preauthorized Now Unauthorized Debit
Complying with Reg GG
Provisional Credit & the Questionable Customer
Reg E - Periodic Statements
Does a Chargeback = Provisional Credit?
Reg E & ACH Disputes
Waiver of ATM Fees
Joint Owners as POAs?
Differences Between EFT & Wire Transfers
Stop Pays Subject to Reg E
Reg E – 10 Business Day Timeframe
Merchant Refund Refusal
Reg E - Cardholder Liability & Merchant Chargeback
Reg E Provisional Credit vs Visa Provisional Credit
Reg E Explanations Needed
Dispute Filing - Statute of Limitations
Lowering the Card Limit Until Re-Issue
Reg E Provisional Credit for Closed Accounts
Bogus Reg E Claim
Free Accounts and Fee for Statement
Customer Failed to Report Card as Lost or Stolen
Reg E Fraud Claim Time Frame
Foreign Bank Client - Claim Against Bank
ATM Withdrawals - Authorization Previously Allowed
ATM – Disputing an Unauthorized Use Claim
Unauthorized Card Use By Spouse
ATM/Debit Card Applications Retention
Reg E - Untimely Notice
Stop Email & Paper Statements Per Customer Request
Access to Internet Banking
Annual Privacy Statement Mailings
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?
Destruction of Card Verbiage
Settling Reg E Claims
Reversing a Premature Reg E Claim
Hotel Charge Disputed by Customer
Unauthorized/Disputed ACH – Notice Required?
Reg E & Unauthorized ACH Transfers
Account to account transfers- covered under Reg E?
Sending Customers Unsolicited Debit Cards
Online Banking Deactivation
Reg E Claim – Card Not Lost or Stolen
Reg E - Non Resident Aliens
Reg E - Final Resolution Letter
Reg E POS
Time Frame for Closing or Revoking Debit Cards
Merchant Continues to Debit Customer's Account
Customer Merchant Dispute – Do We Take the Loss?
Remote Deposits
Reg E Claim - Customer Disputing Amount Charged
Reg E - Overdraft Protection & Error Resolution
Unauthorized Business Related Transaction
Reg E - Stop Pays on Preauthorized Transfers
Is this an EFT?
What is the Difference Between ACH & EFT?
Raising POS Limit - Give Reg E Notice of Change?
Reg E - Interested Included in Customer Liability?
Closing a Check Card Due to Inactivity
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
Trust Account Styling
Estate Account Styling
Sole Proprietor Using EIN to Open a Now Account
Bank Execution Against an Individual
Political Account - EIN Required?
LLP Account Changes
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 Customoers from Elder Abuse Scams
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
Adding E-bills to E-banking
E-Statement Agreement - Signature Card
Bank Address/Phone Info on E-statements
Delivery of E-statement Disclosures
E-statement Verification
Replacement Card Conundrum
Account Balancing Form
Sending Email Marketing
Charging a Paper Statement Fee
Switching Formats
E-statements & ESIGN Compliance
E-Statements - Customer Notification
Bounced E-statements - Rules/Practices
Accessing Credit Card Statements Online
Sending Notices Electronically
Does Log On = E-SIGN?
Website Disclosures Implementing E-SIGN
Format Requirement of E-Statements
Returned/Bounced E-mail Statements
Push & Pull - Explanation Needed
Internet Disclosures - Prior Consent
Avoiding Risk with Paperless Transactions
Free Accounts and Fee for Statement
Unopened Online Banking Statements
Stop Email & Paper Statements Per Customer Request
Annual Privacy Statement Mailings
E-statement Conversion – Signatures on File?
E-Statement format change
Estatements and Multiple Accounts
Green Financial Services Marketing: Leading the Way to Eco Friendly Business Practice
Bounced E-Statement
Notice of E-statement Ready for Viewing
Delivery of E-statement Disclosures
Braille Statements
Online Presence for Community Banks
Compliance Issues for E- Statements
Undeliverable Electronic Statements
Sign Up for E-Statements Here
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
Cost of Paper vs. E-statements
Test Driving E-statements
Test Drive Procedure on E-Statements
Pros and Cons of E-Statements
Archiving Web Site Changes
E-statement Regulations
Boosting Consumer Adoption of Online Transactions
Electronic Statement Requirements
Approval Form For Electronic Statements
If statements are sent electronically, are paper versions required?
Insight into E-statements


Employee
Reasons for Not Meeting Sales Expectations
Signs Employees are Unwilling to Meet Sales Expectations
Confronting Employees Unwilling to Meet Sales Expectations
Improving Sales Performance of an Employee
Confronting an Employee about Sales Performance
Dealing with Employee Unwillingness
Understanding Risk
Employee Interest Rates on CDs
CIP – Employee Online Account Viewing
Preparing for a Compliance Examination
Major Concerns with the Identity Theft Red Flags Rule
Making Private Banking Customers Happy
Choose Extraordinary not Ordinary
Ethics
Are Ties History for Men?
Improving Customer Service and Beating the Competition
FinCEN Initiatives
Structure Changes of Corporate-Finace Departments
The Number One Risk for Banks in 2009
Protecting Customer from Government Grant Scams
Changes and Allegations of Non-Compliance
Focusing on Bank Standards and Policies
How to Prepare for a Pandemic
New Forms of Marketing
NDIP Referral Fees
Dealing with an Embezzlement Investigation
Grand Opening Drawings & Employees
About the Temporary Liquidity Guarantee Program
ISO Independence
Employee Loan Policies
Stop Pay on Employee Benefits Cashier’s Check
Dismissed Employee Applying for Another Job
About the New Reserve Balances Interest Formulas
Corporate Checks - Authorized Signers
Bank Employee Cell Phone Password Requirements
Who is Responsible for Payment of the Check?
Assuring Your Customers in the Current Economy
Annual Employee Background Check
Establishing a Sound Application Security Program
Security - Employee Foreclosure
Business Owner Cashing Employee Checks
Second Homes Subject to ROR?
Salaried Employee With Chronic Illness
Changing from First Name to Full Name Badges
Remote Deposits
Employee Branch Opening and Closing
Ignored by Bank Personnel? We'll Give You $20
Compliance with the Appraisal Regulations
Online Training with Limited Technology
Requiring e-statements on employee accounts
Name Tags & FI Employee Security
Personal Property of the Tellers
Bank Employee Hiring Prohibited by Bankruptcy?
Shoveling Snow - A Bank Employees Job?
Bank Employees' Role in Phishing Protection
Gifts to Employees
Protecting Against Sexual Harrassment
Is Your Bank EEO Compliant?
BSA in Job Descriptions and Evaluations
CTR - Employees Cashing Payroll Checks
Highest Quality and Ethically Sound
Who Takes the Loss?
Run Prospective Employees Against OFAC List
Internal Fraud Prevention
Reg E - Direct Deposit of Bank Employee Payroll
Help Wanted
3 Keys to Building a Solid Team
Talkative Teller
Guidance for Filing SAR on an Employee
Bank Employee Overdraft
Employment Application Info for Background Check
Background Investigations: Part 3: The What
Background Investigations -- Part 2: The Who
Background Investigations -- Part 1: The Why
How do you target workplace improvements to support productivity gains?
Employee Statements Sent Via Email
Employee Loan Resources
5 Steps to Succession Planning
What value do capital project planning tools have on the bottom line?
How can facility management impact employee productivity?
OFAC on Beneficiaries of an Employee Benefit Plan
Direct-deposit of Employee's Payroll Check
Employees Required to Open Account at Other FI for Payroll Deposit
Bank Employee Embezzlement - Customer Notification
Credit Checks on Employees with Access to Sensitive Info
Does SCRA Apply to Employees of the Military?
Mandatory Annual Employee Training List
Covert Video Surveillance of Staff
Can't Force Employee to Open Acct at Bank
Reg O & Payment of Employee Overdrafts
HR Issues (PDF)
Are Your Internal Controls like Swiss Cheese?
Checklist of Surveying Attitudes Towards Team Pay
What must we do to comply with FFIEC requirements?
Waiving Two Week Vacation Rule for Some Employees
Pulling Credit Reports for Employment Purposes
A New Use for Biometrics
Is SAR Required on Crime With No Known Suspect?
Reporting an Employee Theft
Overtime Rule Changes Impact Banks
Police Presence Via Low Cost Mortgages
Community Banks Define Success Through Design
FACTA and Employee Misconduct Investigations
Concerns About Internship Program
Can a Convicted Felon Work for a Bank?
Background Checks on New Hires
What is a "Benefit Plan"?
Right of Offset — Terminated Employee
Using Wireless For Employees
French Bank Employees Have Stress Reliever
Treatment of Departing Employees
Work Hours
Requiring Direct Deposit for Employment
Guru Compilation: Employee Safety (PDF)
Employee Loan Program
When duty calls: dealing with employees on military leave
Bank Liability for Employee Parking & Safety
How to Select a Consultant that's Right for Your Bank
Conflicts, Problems Could Be Helped with Solutions from Mediation Work
Employee recognition can be as simple as saying ‘Thank you’
Employee Overdrafts
Undercover Investigation Justifies Terminations
Is this Discrimination?
Legal Issues in RIFs
Fingerprint Checks on New Hires
September 11 Doesn't Justify Discrimination Against Muslims, Arabs, Others
Fast Growth and Much to Lose?
Planning and Executing a Reduction in Force
"Unconscionability" and Other Issues in Mandatory Arbitration Clauses
Performing Surprise Audit on Teller Drawer
Maximize Capacity with Internet Banking and Call Center Staff
Bad Credit Report & Employee Dismissal
Employment Policies
Reviewing Unusual Activity in Employee Accounts
Release doesn't cover "willful and wanton" misconduct
Is Hiring on the Basis of Appearance Illegal?
How to Investigate Sexual Harassment Complaints
EEOC Settles Same-race Discrimination Complaint
Paying Up To Dress Down
Interest Rate Break for Employees
Employer Can Fire Employee Who Insists on Consulting Lawyer
Job Description For Senior Credit Officer
The Basics of Unemployment Compensation Law
Fraud Prevention Incentive Plan For Employees
Extending Credit To Employee Secured By ESOP


Employee Theft
The Insider Threat
Dealing with an Embezzlement Investigation
SAR Reporting on Forced Balancing
Vault Combination - Dual Control
Internal Fraud Prevention
Employee Check Kiting
Employment Application Info for Background Check
Teller Outage
Bank Employee Embezzlement - Customer Notification
Teller Banned from Banking
Undercover Investigation Justifies Terminations
Janitors and Privacy Issues
Fast Growth and Much to Lose?
Internal Theft & Filing SARs
Questioning an Embezzlement Suspect
Informing Employees of Embezzlement
Handling Returned Mail & Security Issues
Filing A SAR For Suspected Employee Theft
Bank's Liability For Forged CTR Signatures
When Tellers Are Targeted
When Tellers Are Targeted -- Part II
Temporary Workers Can Cause Permanent Problems
Thieving Employees Banned from Banking
AGENCY TEMPORARIES: What You Need to Know
Reviewing Employee Accounts
Embezzlement: Can an employee's deposit accounts be locked out?
Dealing With Employee Theft
Preventing Employee Theft - Training the Internal Watchdog


Encoding
Accept the Numeric Amount?
Check Adjustment Timeframe Collection
Handling Fed Claim for Encoding Error
Training Page: Learning the Bank Numbering System
Deposit applied to wrong account -- Now what?
UCC: Practical Application
Delay in Responding to Encoding Error Adjustment
A New Degree Of Verification
A New Degree of Verification
Customers who encode their own checks
Timely Return Of Checks With Encoding Errors
Time Limit On Encoding Errors
Question & Answer
Question & Answer
Counselor's Corner
Question & Answer
Question & Answer


Endorsement
Without Recourse Endorsement - Bank's Recourse
Checks Payable to Deceased Parent & Customer
Third Party Checks
PEG Stamp & Forged Endorsements
Business Check - Endorsement Verification
Reg CC – Hold on Third Party Check
Check Endorsed "Without Recourse"
Endorsement of Check Payable to Cash
Forged Endorsement – Course of Action?
Government Check Signed Over to a Third Party
Scan Machine Stamp
Check Endorsements of Items Over $25,000
Missing Endorsement – Liability For Loss
Absence of Endorsement Guarantee Required?
Accepting Check Endorsed "Paid to the Order of…"
Remote Deposit Endorsement Issues
Estate Checks With No Estate Account
Forged Endorsement – Recovering the Loss
Check Paid to 2 Businesses Endorsed by 1 Business
Personal Rep Endorsing Decedent's Saving Bond
Endorsing & Signing Over a Treasury Check
Endorsement of Checks Payable to a DBA
Accepting Check Payable to Corp and Our Customer
Cashier's Check Payable to Cash?
Need Clarification on Endorsement
Joint Tax Refund Check - Endorsement Requirements
Does Check 21 & Image Exchange Preclude Reg CC?
Exception Hold on Available Funds?
POA Check Deposit Procedures
Business Signing Check Over to an Individual
Business Endorsement Stamp - Required Verbiage
Improper LLC Endorsement?
Missing Endorsements
"Without Recourse" - Ramifications & Restrictions
Customer Refused to Endorse Check
Timeframe for Collecting on a Forged Endorsement
Missing Indorsement - Check Return
Acceptable Endorsement
Refusing Checks Due to Restrictive Endorsement
Check Payable to Two People with No "And" or "Or"
Cash or Bearer Check - Endorsement Required?
Endorsement Required on Check Made to Cash?
U.S .Treasury Checks - Personal Endorsements
Endorsing Checks in Pencil
Check Fraud Reporting Time Frame
US Treasury Check Endorsement Issue
Signing Over a Government Check
Missing Indorsement on ATM Deposits
Depositing Personal Checks into Business Account
For Deposit Only
Checks Made to Doctor When Clinic Should be Payee
Proper Endorsement of POA
Reg CC 's Endorsements Printed in Black Ink Rule
Sending Checks for Collection
Medical Billing Service Account
Treasury Check Payable to Married (Not Maiden) Name
Time Limitation on Forged Maker/Forged Endorsement
Is This Out of the Time Frame?
Cashing a Check with Two Signatures and One ID
Check Payable to New Customer & Deceased Mother
Our Customer Sent a Check to the Wrong Business
Right to Refuse Check Payable to Cash
Forgery and Endorsement Issues (PDF)
Inadequate Endorsement
Joint Payee Checks
Payee Endorsement
Time limit to claim on missing endorsement?
Third party check or accommodation endorsement?
Proper Endorsement for Checks to DBA
Using an Endorsement Canceled Stamp
Payee Endorsements
Checking endorsements
Liable for All or 1/2 the Amount of the Check?
Deposits into ATM
Payment Information
Someone "Stole" the Funds on this Cashier's Check
Can Bank Return Counterfeit Money Orders?
Payee Endorsements
Checking endorsements
Who is Liable, Bank of First Deposit or Payor Bank?
Depositing to Another's Account with a POA
Third-Party Endorsement, Bank Liability
Who is Responsible for Endorsement?
Endorsement Not Made or Forged
Depositing Business Checks in a Personal Account
Recovering On A Counterfeit Check
Check 21 Endorsement Importance
Stop Checking Endorsements?
"Do Not Write Below " Legend on Check Backs
Without Prejudice Endorsement
Meaning of P.E.G.
Deposits Into Attorney Trust Account
Discrepancy in Payee of Deposited Check
Missing Endorsement Issue Surfaces Years Later
What Does "Endorsement Cancelled" Mean?
Using 'POA' as a Restrictive Endorsement
Endorsing government check over to a third party
Missing Endorsements on Checks
Revocation of Consent to Endorse Checks
Cashing Third Party Checks
Forgery Claim: Do we pay?
Stolen Check Returned Marked "Absence of Endorsement Guaranteed": Can we recover?
And vs. Or Checks Payable To Joint Account
Should Endorsement Be Required When Cashing On Us
Endorsement Requirement On Checks Written To 'Cash'
Two-Party Check Endorsement
Can a minor (age 5) endorse a check and receive cash?
Depositing Checks Payable To Two Parties Into Individual Account Marked "For Deposit Only"
Specific Wording For Third Party Endorsements
Depository Bank Endorsement Requirements
When the Account Doesn't Belong to the Check's Payee
Maximum Number of Special Endorsements
What is the correct procedure under the UCC to return a check for improper or missing endorsement?
Accepting US Treasury Checks For Deposit Without Endorsement
Endorsed Checks, Stop Payments, Late Return, and Liability
Endorsement Types
What is the UCC Code on the time frame for a forged/improper/ missing indorsement?
Multiple Payees On The Check: What's the financial institution's liability?
Two Payees - One Endorsement
Missing Endorsement Liability
Two Signatures Required?
Checking Endorsements: Is it required?
Forged Endorsements & Counterfeit Checks
Restrictive Endorsements
Specific Wording for "Non-endorsed" Checks
Deadline For Returning A Check With Missing Endorsement
Endorsements: How long to make a claim?
Refer to Maker Revisited
What Happens If You Don't Endorse?
No Endorsement Required
Why Stamp NSF
WHAT DO OTHER BANKERS DO? - Losses On Deposits


Equal Housing
Print Ad - Mortgage Lending Compliance
EHL logo on Commercial Loans
Bank Partnering with Realtor - Signage Compliance
Newspaper Commercial Loan Advertising
Mortgage Broker - EH Logo
New FDIC EH Lender Poster
Equal Housing Lender Sign - Latest Version
Financing provided by...
Electronic billboard and FDIC
Mention Loan in Ad and Trigger Equal Housing Logo?
Trigger Terms on Rehab Loans
EHL Doghouse Logo
Loan Message on Statement – EH Logo Required?
Advertising with a Realtor
Cell Phone Banking - Display FDIC & EH Logo
EH Logo - Hi-resolution Copy
CD Promo - Equal Housing Lender Logo Required?
Advertising Definition
In the Doghouse?
Equal Housing Lender Posters - OCC Vs FDIC
Equal Housing Lender Logo
EH Logo on Website
EH Logo Required on Forms in Application Package?
Fair Housing Poster on Bank Website
Dry Erase Board Ad
FDIC and EHL Logos
EHL Included in all Advertising?
Equal Housing Logo - What is it?
EHL Logo Ad Sizes
House Logo Required on Statements?
NCUA TV Ad - Equal Housing Lender
Commercial Real Estate Tombstone Advertisement
Commercial Lending Newspaper Advertisement
FDIC Logo & EH Logo Left off of Promo Pens
In the Doghouse?
Say It and Show it?
Lender Business Cards - EHL Logo & FDIC Logo
Equal Housing Logo -- Minimum Size? Location?
Typing "Equal Housing Lender" in Lieu of Logo?
Advertising Equal Housing
Using the EHL in Print Advertising
Readability Standards For "Clear and Conspicuous" Display
Regulatory Logos on Promotional Items
FDIC Logo & EH Logo Left off of Promo Pens
Equal Housing Logo Requirements
EHL Logo on Commercial Ads
Required Size of Equal Housing Logo in Advertising
EHL and/or EHO logos
EHL or EHO Printed on Promotional Coupon?
News Release Compliance Issues - Loan Program
EHL Logo Displayed on BHC Subsidiary's Website
Lobby Posters in an LPO of a National Bank
Are EHL Logo and Member FDIC Required Here?
Equal Housing Logo -- Minimum Size, Location?
Advertising Disclosures With Letterhead
Yard Signage and Triggered Disclosures
Using the EHL in Print Advertising
Mandatory Use Of EHL Logo
EHOL Logo Requirement
Using the EHL in Print Advertising
EHL Logo Sought
EHL Logo for Web Site
Regulatory Logos on Promotional Items
Graphic Standards for EHL Logos
Size of Equal Housing Logo In Ad
Equal Housing Logo Requirements
Clarification on the EHL Doghouse Logo
Advertising Equal Housing
Equal Housing Lender Logo Use
The Scoop on the Equal Housing Lender Logo


Ergonomics
How do you target workplace improvements to support productivity gains?
How can branch layout standardization promote operating efficiencies?
"We're Not In Kansas Any More," Toto .. OSHA'S Final Ergonomics Program Standard
Another Perspective on OSHA's Ergonomics Rule


Error Notification
Link to Error Resolution Notice
Reg E - Untimely Notice
Error Resolution Notices - Statements
Reg E Dispute
Written Statements and Reg E Errors
Reg E - Delaying Provisional Credit
Curing Time for APR Disclosure Error on RE Loan
Understated Finance Charge and APR - Now What?
Handling Fed Claim for Encoding Error
Error Resolution Reporting
Reg Z, Billing Error Resolution, and Initial Disclosures
Correcting Late Charge Errors
Error Notification Responsibility
Account Statement Requirements for Commercial Accounts


Error Resolution
Lost/Stolen Debit Cards – Bank’s Liability
Adverse Action Notice – Technical Error
EFT Procedures & Forms
Link to Error Resolution Notice
Reg E Dispute - Arbitration Fees
Reg. E - Errors on Closed Account
TIL Redisclosure – Reopen ROR Period?
Does a Chargeback = Provisional Credit?
Debit Card Fraud – Customer Liability
Reg E Explanations Needed
Reg E – Definition of Point of Sale Transaction
Reg E – Denying Disputes & Customer Notification
Lowering the Card Limit Until Re-Issue
Reg E Provisional Credit for Closed Accounts
Reg E Fraud Claim Time Frame
Dealing with Credit Card Fraud - Time Frame
E-Statement format change
Error Resolution Investigation - No Fees Allowed?
Unauthorized/Disputed ACH – Notice Required?
Reg E & Unauthorized ACH Transfers
MasterCard Error Resolution Notification Timeframe
Reg E Error - Counting the Days
Reg E Error Resolution - Unauthorized ATM withdrawals
Reg E - Overdraft Protection & Error Resolution
Unauthorized Charges - Visa Zero Liability
Requiring e-statements on employee accounts
Error Resolution Notices - Statements
Paper Statements for E-statement Customers
Debit Card Fraud - Provisional Credit Time Frame
Reg E - Non Receipt of Funds
Fraudulent ATM Withdrawals - Provisional Credit
Correcting a Closing Fee Error
Reg E Dispute
Debit Card Dispute Transaction Timeframe
ATM Error Reporting & Correction
Deny Provisional Credit?
Written Statements and Reg E Errors
Reducing Error Resolution Time Frame
Error Resolution Reporting
Reimbursable TIL Error
Error Resolution Reporting
Bill pay stop order
Checklist for Reg E error resolution
Limiting liability for certain CCD debits
Reg. E, ACH, Visa Error Resolution Rules
Process to Close a Decedent's CD Account
Does the Error Resolution Notice Change the Terms?
Inadvertent Monitoring Information Collection
TIL Disclosure Tolerance For Errors?
Error Resolution Timing


Escrow
RESPA - Voluntary Escrow
Estate Account – TIN or Deceased SSN?
Escrow Account & First Mortgage Payoff
1031 Exchange Escrow Account
CTR on an Attorney Escrow Account
Tax & Insurance Premium Escrow Accounts
Delinquent Mortgage - Escrow Analysis Guidelines
Deposit Coverage of Insurance Co Escrow Account
Customer Refuses to Pay Escrow
Holding Check in Escrow During Rescission
Calculating the Aggregate Adjustment
Late Payment Charges Paid by Escrow Funds
Paying Off Late Fees with Escrow Account Funds
Annual Escrow Analysis Notice
Title Company Escrow Accounts
Reg CC Hold on Escrow Check
RESPA Escrow Rules
Payment of Taxes & Insurance
Escrows & the Aggregate Adjustment
Payment of Taxes Disclosed on the GFE & HUD-1
Annual Mortgage History Statements
Belated Escrow Disclosures?
Signed Affidavit Stating Customer Won't Escrow?
What Do We Do With the Overage?
Cite for Short Form Servicing Disclosure Statement
Escrow Account - Is Agent or Firm the Customer?
True or False - Reg Z
Escrow statement requirement
Question About Escrow Analysis Statement
Insufficient Tax Escrow Balance -- Now What?
Using Escrow Account Surplus for Delinquency
PMI at Closing -- Prepaid FC?
Late Charges and Escrow Analysis
Showing/Calculating Escrows for a Good Faith
Short Year Escrow Statements and Overages
Maintaining Bank-Paid Insurance Premiums
RESPA Escrow and Excess Funds
Initial Escrow Statement Accuracy
Jointly Payable Checks Where One is Deceased
Effective Dates of Escrow Analysis
Charge Back to IOLTA Account
Backup Withholding and Escrow Accounts
Escrow for Income Taxes on Commercial Loan
Curing an Escrow Account Disclosure Problem
APR Affected by Escrow Fee?
Taxes and the GFE
Collecting for Insurance
How long must HUD escrow accounts be kept and is computerized storage okay?
Escrow Analysis Audit
RESPA disclosure responsibility


E-Sign
Adding E-bills to E-banking
Multifactor Authentication as Demonstrable Consent?
E-SIGN Act – Faxing Lending Disclosures
Delivery of E-statement Disclosures
E-statement Verification
Bounceback Rules
Complying with E-SIGN
Switching Formats
E-statements & ESIGN Compliance
Retention of Electronic Disclosures
Mortgage App and E-SIGN
I Agree, I Agree
Resetting Password – E-sign Verification Required?
Lending & the E-sign Rule
Accessing Credit Card Statements Online
Sending Notices Electronically
Does Log On = E-SIGN?
Consumers and E-SIGN
Website Disclosures Implementing E-SIGN
Disclosure Differences Online
Mortgage/ARMs on the Web
Understanding Esign, Part 1
Understanding Esign, Part 2
Internet Disclosures - Prior Consent
ESIGN or UETA
Esignatures
Bounced E-Statement
Notice of E-statement Ready for Viewing
Delivery of E-statement Disclosures
Sending Out Privacy Notices in Statements
Compliance Issues for E- Statements
Offering Web Account Opening
E-sign Sign-up Form
Negligent Customer Disputing Charges
Sign Up for E-Statements Here
Applications Online
E-Sign and UETA
Requiring E-Statements
E-Signature for Credit Check
Requiring e-statements on employee accounts
E-statement Verification
E-Statement Change of Terms Notice
E-Sign Opt-In - Must It Be Handled Electronically?
E-Sign
Free Checking with E-statements
E-statements - Signature for Affirmative Consent
Reg. E disclosure for online banking
E-Statements
Website Compliance Issues
Account Opening - Requesting Email Addresses
Statements Via Internet Only
E-Statement Compliance
Electronic Disclosures
Opening Online Account with E-signatures
Regulation Regarding Receipt of Deposit By Email
Signed Form for Online Banking Required
E-statement Verification
Employee Statements Sent Via Email
Customer Notification to Deactivate Online Account
E-mailing Early RESPA Disclosures
E-statement Disclosures
Internet Lending Compliance Issues
Need a Template or Sample E-Sign policy
Posting Transactions Online in Lieu of Statements?
Regulation Regarding Receipt of Deposit By Email
Monitoring Customer Electronic Statements
E-Sign & Demonstrable Consents
E-Disclosures for Real Estate Loans
Companies Partner To Offer E-signature Capabilities
Test Drive Procedure on E-Statements
ESIGN: Turning the Paper Back On
Online Banking: Is a paper statement required?
Notification Requirements & Posting Periodic Statements On Web Site
E-statement Regulations
Web Loans, Web Adverse Action Notices?
Can web applicants receive web adverse action notices?
Electronic Disclosures and Contracts - Part 2 - Understanding UETA
Online Mortgage & Loan Application Issues
Electronic Disclosures and Contracts
What is ESIGN?
E-sign, Web Transactions & Digital Signatures
Where UETA Is In Effect
Insight into E-statements
ESIGN policy
EBanking: FRB Issues E-Rules
What Is an Electronic Document?
What Is an Electronic Document?
Electronic Disclosures FRB Shows The Way To E-Compliance
They've Done It! FRB Proposes Rules for Electronic Disclosures
EDITORIAL - New Horizons for Compliance


Estate
Estate Account – TIN or Deceased SSN?
Guardian/Conservator Ceasing Upon Death?
Estate Listed as Beneficiary
Estates & Death Certificates
Decedent Trust TIN
Estate Account Styling
Estate Cashing CD Before Maturity
Joint Owner Death on Account with No Survivorship
Personal Representative - Estate Account Inquiry
POD on a TXUTMA?
Depositing Personal Checks Into Estate Account
Adding a Signer to an Estate Account
Pay the Estate or Daughter of Deceased Customer?
Interest Bearing Estate Checking Account
Estate Checks With No Estate Account
Releasing Account Info to Estate Representative
Deceased Father's Economic Stimulus Check
Both IRA Owner & Beneficiary are Deceased
Issuing a Personal Representative a Debit Card
Hunting Camp - HMDA Reportable?
Conservatorship Rights
Signers on Estate Accounts
Deposit of Check Payable to Individual & Estate
EIN & SSN - Same Number?
Please Define "Per Stirpes"
Protection from Estate Scams
Decedent Funds
Deceased Customers - Backup Withholding
Deposited Spouse’s Estate Check into His Account
POD's Whereabouts Unknown
More than One Executor for an Estate Account?
EIN Required on all Estate Accounts?
Non-interest Bearing Estate Account
Admin Access to Prior Account Activity
Decedent’s Right to Financial Privacy?
Joint Checking and Estate Settlement Problem
Estate Ownership of a Safe Deposit Box
Check Payable to New Customer & Deceased Mother
Custodial CD Passes to Estate?
Death of a Sole Proprietor
IRA Check Payee Has Died -- Now What?
Authorized signer on estate account?
Trusts and Checks Payable to Estate of Deceased
Customer Deceased, Can We Deposit to the Account?
Where to Deposit a Check Payable to a Decedent
What's the Priority Claim on an Estate?
Definition of "Estate Account"
Process to Close a Decedent's CD Account
SCRA and Loan to Estate
Statute of Limitations for Forged Endorsements
Estate Set-up with TINs
Offset against an IRA
Deposits of Decedent's Checks into Joint Account
CTR on an Estate Account
Estate Account TINs
Joint Accounts: How To Handle The Death Of A Joint Owner
Handling A Reg E Claim If The Claimant Dies
Are All Estate Accounts Required To Have EIN?
Can Executor/Administrator Grant a POA?
Must An Executor/Executrix Obtain a Tax ID Number?
Can An Estate Have A NOW Account?


Ethics
Ethics, Banking, and the Rest of Corporate America
Ethics: Bankers Must Be Better Than Others
Wanted: Sample Code of Ethics Policy
Ethics: Why Have Codes of Ethics?
Ethics Training
Ethics What To Do With Your Code of Ethics
EDITORIAL - Why Are Bankers Special?


Examinations
Non-customer Check Cashing & 314(a) Searches
Preparing for a Compliance Examination
FFIEC Third Party Risk Management Compliance
Producing the Evidence
Adverse Action List for the Examiner
Risk Assessments: What are Examiners Looking For?
Program Requirements for Red Flag Compliance
Examiner Verification of RCV on Comm Property
State & Federal Examinations?
Service Provider Documentation
Examiner's Questioning Compliance Experience
New Emphasis on BPA by Examiners?
Disclosing Experience in Banking
A Checklist of Ten Steps to Preparing for the Examiners
Nightmare on Compliance Street
Calling for Back-up, Examiner is Challenging Bank
What Regulators Want
Risk Management MERITs Attention
What to do before the Examiner Review
Examiner's Corner: Liquidity and the Winds of Change
Regulation B: The More It Changes, The More It Stays The Same
Capitalizing Interest on Loan Renewal
Annual policy reviews
Putting Bank's Charter Number on Flood Form
CRA/Fair Lending
Figuring Income When Some Is Tax Exempt
BSA Exams: Lessons Learned by Experts
IT Regulatory Hot Buttons
Surviving Your IT Exam
Preparing For A State Examiner's Insurance Audit
Preparing for the examination
Preparing for IT audit on a new network system
Preparation For Examination Procedures
Preparing for the examination
OCC's Top Ten for 2000
Examiner's Notebook Don't Overlook The Common Violations
Examinations Advice From A Regulator
COMPLIANCE NOTES - How Savvy Examiners Find Things Out
Question & Answer
Out of the Mouths of Regulators
Examination Alert Consumer Complaint Policy
CRA Changing the Examination Paradigm
Question & Answer
Question & Answer
Question & Answer
COMPLIANCE NOTES - How Well Do Banks Comply?
ACTION TRAINING - Getting Everyone Ready For The Exam
COMPLIANCE NOTES - What Examiners Think About Documentation
Question & Answer
Managing a Year 2000 Examination
COMPLIANCE NOTES - Are Testers in Your Lobby?
COMPLIANCE NOTES - Developments in Fair Lending Examinations
COMPLIANCE NOTES - Fair Lending Update: Status of Examinations
The New Fair Lending Examination
COMPLIANCE NOTES - OFAC: What Your Examiner Expects
FDIC Compliance Examination Results
Examiner's Notebook - The Risk Based Exam In The Compliance Arena
COMPLIANCE NOTES - Joint Agency Examination Efforts
Preparing For A Compliance/CRA Examination
Hot Tips From Regulators
The New OCC Exam
Examiner's Notebook: CRA Exams Can Be Pleasant!
EXAMINER'S NOTEBOOK - Fair Lending Examinations March On…
Question & Answer


Examiner's Corner
Ethics in Lending
Inspections Are Good. Repeat.
It's a Family Affair
Examiner's Corner: Liquidity and the Winds of Change
Used Car Dealers and the Bankers that Finance Them
Relationship Banking ….With Your Regulator
The Big "One"
Confidence
Credit Memorandums - Write or Wrong


Executive Briefing
Executive Briefing Archive


Executive Officers
Reg O – Holding Co Officer an Insider
Reg O - NSF Fee Refund
Reg O – Sold Loans
Reg O – Insider’s Shares
Reg O – Overdrafts & Related Interests
Reg O & Executive Officer Account Signer
Reg O - Bank Holding Company Chairman
Loan to Entity - Demand Clause Required
Reg O Reporting - Standby Letter of Credit
Reg O – Participation in Major Policy Making
Became EO After Obtaining Loan – Reg O Violation?
Reg O - Extensions of Credit in the Aggregate
Reg O - EO Signer on Overdrafted Account
Reg O - Aggregate Lending Limit
Insider Lending - Language in the Note
Executive Officer's Loan - Demand Clause Required?
EO Signer on Various Accounts
Reg O - Defined Marketable Collateral
Reg O - Bancshares as Collateral
Executive Officers & Extensions of Credit
Reg O - Loans to Immediate Family
Reg O Overdraft Provisions
Executive Officer/Director Overdraft Limits
Reg O - Executive Officer's Repeated Overdrafts
Bank Employee Overdraft
Reg O Overdraft Limitations
Reg O - Board Approved Revolving Line of Credit
Is Reg O Retroactive?
Reg O Limits & Corporate Credit Cards
Reg O - Single Insider Aggregate Lending Limit
Ex Officer Reporting Loans from other Banks
Reg O (PDF)
Is the Loan to spouse, a Loan to Ex. Officer, too?
Demand Feature Provision Applicable to Directors?
Waiving the Overdraft Fee - Director is Signer
Reg O: Waive Service Charge for Excess Withdrawals
Reg O and minority partnership interests
Reg O Exemptions
Employee Overdrafts


Expedited Funds Availability
Reg CC - Expedited Funds Availability Act
Reg CC Funds Availability Verbiage
ATM Funds Availability Signage for Funds Transfer?
New Account Deposit - Give Hold Notice?
ATM Deposit Regulations
Hold on Government Check
Reg CC – Hold on Third Party Check
No Large Return Notification Given
ATM Disclosures
Wired Funds – Funds Availability
Remote Check Return Rules
ATM Disclosures
Case-by-case Hold Notice
Reg CC – Banking Vs Business Days
Reg CC – Less Hold Time
Reg CC – Insurance Draft
Reg CC Signage & the Drive-Thru Window
Funds Availability Notice – Font Size Requirements
Foreign Check - Funds Availability
Operating in Agreement with Regulation CC
Reg CC Hold Confusion
Reg CC - New Account
Large Cashier's Check - Next Day Availability
Exception Holds on Treasurer or Bank Checks
Reg CC - Holds on Local & Non-local Checks
Only Drive-Thru Open Saturday - A Banking Day?
Case by Case & Exception Holds - Definiton Needed
ATM Deposits – Next Day Availability?
Reg CC Signage Requirements
Holding Checks - Member Notification
Reg CC - Saturday a Banking Day?
Endorsing & Signing Over a Treasury Check
Holds on Credit Card Convenience Checks
Credit Card Convenience Checks & Midnight Deadline
Reg CC Hold - Day Funds Become Available
Returning an Unauthorized Paper Draft
Hold Discussed w/Customer– Mailed Notice Required?
Reg CC - State Check
Overseas Cashier's Check - Next Day Availability
Confused Over Reg CC's Standard & Extended Holds
No Notice was Given on Large Item Return
Reg CC - Consumer and Commercial Accounts?
Send Out Revised Hold Notices?
Reg CC - Shorter Holds
Reg CC Hold - New Account for Established Customer
Reg CC Exception Hold - First $100
Reg CC Declined - Notice of Action Required?
Reg CC - Checks Issued by a Finance Company
Reg CC - $100 Availability
In Need of Funds Availability Clarification
Reg CC & U.S. Banks Located Overseas
Canadian Checks Subject to Reg CC?
Government Check - Funds Availability
Cash Withdrawal Limitation - Funds Availability
Redeposited Checks - Two to Four Day Return Time Frame
Loan Disbursement Check - Next day availability
Reg CC Hold on Escrow Check
Funds Availability on a New Account Hold
Out of District Items
Commercial Internet Banking
Reg CC Holds - 2 Scenarios
Regulation CC: Is it Time for a Change?
Reg CC & Traveler's Checks
Check Cashing - Hold Notice
Hold Liability
Teller Station Hold Notice Verbiage
Notifying Customer of Hold
Posting Funds Availability Policy Notice
Remote Deposit Capture - Funds Availability
Reg CC - Collected Balance Vs. Available Balance
Recording Exception Holds
Next Day Availability on Rapid Refund Checks
Reg CC Hold on Deposit of Cash & Local Check
Is Disclosure of the Routing Numbers Required?
Reg CC (PDF)
Can't Provide Receipt Stating Funds Availability
Large Dollar Return Notification
Posting Cut-Off Time on Funds Availability Notice
Definition of Repeat Overdrafter
Changing Reg CC Hold Periods
Covering Required Training Subjects
Hold on checks cashed at other institutions
SPOTLIGHT ON…Return Items
Guru Compilation: Reg CC (PDF)
Cashier's Checks: Collecting Verification Info For Known Customers
Reg CC - Next Day Funds Availability
Bank exec clears up Reg C’s gray areas
Float on Imaged Items
Reg. CC and Privacy Excuses for Non-Availability
Reg. CC & $100 Availability on a Problem Account
Reg. CC and Treasury Checks
Meaning of P.E.G.
Exception Holds and Call Verification
Resolving Business Debit Card Dispute
Refusing to Accept Certain Kinds of Checks
Completing an Exception Hold Notice Form
Late Returns
Fine Points of Determining "Local" Check
What Is YOUR Cut-Off Hour?
Delayed Funds Availability for New Accounts
Reg CC Large Item Exception Hold
Return Item Notification
Exception Holds for Next Day Availability
Business Check Card Regs
Web Page Funds Availability Disclosures
One Check, Split Deposit & Reg. CC
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
What's Ahead In Compliance Regulations CC, DD, and Beyond
EDITORIAL - Let Them Eat Cake!
COMPLIANCE NOTES - Does Reg CC Help?
Question & Answer
Reg CC What is Local? The Fed Reconsiders
Question & Answer
Expediting Compliance with Funds Availability
Most Common Violations of Reg CC
Question & Answer
Expedited Funds
Expediting Regulation CC
Question & Answer
Question & Answer
Trouble Spots in Deposit Regulations



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