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FACTA
Does FACT Act Apply to Commercial Loans?
Does FACT Act Apply to Commercial Loans?
Credit Score Notice and Notice of Action
  • Obtaining a Credit Score for Risk-based Pricing
    Defining 'Consumer'
    Looking for Complete FACTA
    Agreement of Physical/Reported Address
    Free Credit Bureau Report
    Red Flag Checklist - Commercial Loan Guarantor
    Commercial Purpose Loan - Required Disclosures?
    Credit Bureau Report - No Credit Score Given
    Credit Score Disclosure -Interim Construction Loan
    FACTA – Medical Collections & Credit Decision
    Address Discrepancy Credit Report
    FACTA Verification - Fraud Alert on Credit Bureau
    Verifying Information for Loan when the Credit Report is Obtained
    Reporting Loan Accounts and New Deposit Accounts
    Applying 334.82 When Pulling a Credit Report
    Form for Reporting Address Discrepancies Provided by CRAs
    Pulling Credit Reports when Opening New Accounts
    Reconciling Addresses on CRAs for Loans
    Physical Address Required to Compy with Dsicrepancy Provisions
    ChexSystems and the CRA
    Truncating Bank Receipts
    Red Flags overlaps BSA/AML, do you know where to look?
    Regulations Covering Customer Info Change
    Red Flag Rule
    Changes in Customer's Address
    Sharing Affiliate Information
    Red Flag Regs Alert: It's Time to Start Planning
    FACTA Address Discrepancy Reg Finalized
    FACTA Applicable to Non-Consumer Loans?
    FACTA Notice to Home Loan Applicant
    Fact Act Letter
    FACTA - ID Theft Procedures
    Re-adding Credit Scores to Credit Reports
    Opt-Out Procedures for Additional Account
    FACTA's Red Flag Guidelines
    FACTA Confusion - Sharing Information w/Affiliates
    FACT Act - Forms, Timing of Notices & Disclosures
    Using Previously Pulled Credit Report on New Loan
    Protecting Customer's Medical Privacy
    FACT Act
    Key Factors Disclosure with CRA Model
    FI's liability on Indirect Loans & FCRA/FACTA
    FACTA section 212 - Sending Negative Disclosures
    Applications, Credit Reports and FCRA Disclosures (PDF)
    Credit Report Use
    Model Form for FACTA Risk-based Pricing Notice
    FACTA/FCRA -- For Consumers Only, Right?
    FACT Act Regulations: Medical Information
    QUIZ: Medical Information Rules under FACTA
    Should This FCRA Notice be Sent to Bankrupts?
    Updating Loan Policy to Reflect FACTA Changes
    Tiered Loan Rates and FACT/FCRA Notice
    Does Risk Based Price Need to be Validated?
    Documenting Negative Credit Reporting Notice
    FACTA May Cause Rise in Complaints
    Section 212 of the FACT Act & Mobile Home Loan
    FACTA - Financing to Construct Primary Residence
    Fraud, FDIC and FACTA
    FACT Act - Sharing Information with Affiliates
    Lending & Mortgage Departments Share Credit Report
    Disclosure of Credit Bureau Scores
    FACT Act Negative Notice Disclosure
    FACTA - Waiving Disclosure & Notice to Homeowner
    FACTA confusion
    FACTA - Attaching Credit Report to the Disclosure
    Credit Disclosures
    Section 212 FACTA Credit Score Disclosure
    FACTA - Don't Report Negative Information on Loans
    Timing for Notice of Negative Credit Reporting
    FCRA guidance needed on score disclosures
    FCRA Risk-Based Pricing Disclosures
    Model FCRA Notice Language Sought
    FACTA and Employee Misconduct Investigations
    FACTA Tracking Page
    FACT Act Policy
    FACT Act Chart
    FACT Act requires records release for I.D. theft victims
    FACT Act Notice of Derogatory Information
    Add "V" to Your Regulatory Alphabet
    Credit Scoring Systems Under Reg B
    FACT Act Is a Reality


    Fair Credit Reporting Act
    FCRA Permissible Purpose Rule Violation
    Verbal Permission to Run Credit Report (Entity)
    FCRA Prohibit Using Consumer Report for Offers?
    Rule for Passing Nonpublic Client Information
    Documentation Rule for Pulling a Credit Report
    Obtaining a Credit Score for Risk-based Pricing
    Pulling ChexSystems Reports on Old Customers
    Defining 'Consumer'
    Credit Report Fee a Finance Charge?
    Agreement of Physical/Reported Address
    Incomplete Application - Adverse Action & Denial Letter
    CIP & ChexSystems on Former Customer
    Using Previously Pulled Credit Report - Disclose?
    Red Flag Checklist - Commercial Loan Guarantor
    Use New Red Flag Checklist on All Customers?
    E-Signature for Credit Check
    Send FCRA Adverse Notice to Individual & Company?
    Pulling Credit Reports - Signed Forms Required?
    Contacting the Applicant
    Time Frame to Provide Notice of Action Taken
    FCRA Notice-Loan Denied Due to Low Appraised Value
    Debit Card Declined - Notice of Action Required?
    Customer Allowed Copy of Credit Report Under FCRA?
    Fact Act Letter
    Medical Disability Date Verification
    Loan Made to an Identity Thief
    Using a Credit Report Pulled by a Mortgage Company
    When Do We Send the Credit Reporting Warning?
    Voluntarily Giving Customers Copies of Credit Reports
    Re-adding Credit Scores to Credit Reports
    Adverse Action Notice Sent to Mother & Daughter?
    Opt-Out Procedures for Additional Account
    Pre-approved Home Equity Loan Promotion
    FI's liability on Indirect Loans & FCRA/FACTA
    Applications, Credit Reports and FCRA Disclosures (PDF)
    Is an Adverse Letter Required?
    FACTA/FCRA -- For Consumers Only, Right?
    Section 212 of the FACT Act & Mobile Home Loan
    FACT Act - Sharing Information with Affiliates
    FCRA and Credit Reports
    Compliance Signposts
    Prescreened borrower now unemployed
    Credit Disclosures
    Contradiction in FCRA Verbiage?
    Customer's Signature for Pulling Chex-Systems
    FCRA guidance needed on score disclosures
    FCRA Risk-Based Pricing Disclosures
    Debit Card Denial Disclosure
    Pulling Credit Report for Bounce Protection
    Model FCRA Notice Language Sought
    FACTA and Employee Misconduct Investigations
    FCRA Disclosure Forms
    FACT Act Notice of Derogatory Information
    Authorization to Access a Credit Report
    Discussing Credit Report Information
    Credit report dated earlier than application. FCRA violation?
    Add "V" to Your Regulatory Alphabet
    Denied Debit Card Rules
    When Is This An Application
    Annual policy reviews
    Adverse Action Notices and Co-Applicants
    Privacy notice with mortgage affiliate
    FCRA & Telephone Applications
    Notice for Withdrawn Applications
    Debit Cards & Loan Denial Forms
    Customer Credit Report Disputes
    FCRA and Deposit Accounts
    FACT Act Is a Reality
    Bad Credit Report & Employee Dismissal
    Car Dealership Pulling Credit Report
    Credit Scoring for New Accounts
    Sharing Credit Report with Participating Bank
    Credit Report for Suspicious Activity
    Adverse Action Letters to Multiple Parties
    Bankruptcy: Can we hot card a debit card?
    Can you give the customer a copy of credit score/credit report?
    Adverse Action, ECOA, and FCRA
    Adverse action for denial of ATM or debit cards?
    Guarantor Access To Borrower's Credit Scores
    Sample Wording Regarding FCRA For Privacy Notice
    Correct Address Of A Credit Bureau For Adverse Action
    Signature Required For Guarantor's Credit Report?
    Time limit for adverse action notices
    Adverse Action Notices: When And To Whom?
    Can we provide a copy of their credit report to a customer?
    Prescreening Customers & FCRA Violations
    Regulations: Defining Application
    Is there a retention requirement for notice of account denial?
    Lending Disclosures at a Glance
    Locating the FCRA
    FCRA When?
    Question & Answer


    Fair Debt Collection Practices Act
    Entities Included in Fair Debt Collection Act?
    Collections Calls by Lender
    FTC Enforces FDCPA
    Creditor Held Liable in FDCPA Class Action
    Clarification: Fair Debt Collection Act
    Fair Debt Collections Practices Act
    Overdue Amounts, Delinquent Accounts, and Compliance
    Fair Debt Collection Practices Act - A Quick Reference Guide


    Fair Housing
    When to Use the EHL or EOL Logos
    EHL Logo on Letterhead
    Fair Lending Risk Assessment
    Credit Report & Flood Determination Fees
    Fair Housing - Disclose Assets/Net Worth
    Fair Housing Poster on Bank Website
    Human Model Advertising?
    Denying Credit Based on Past Bankruptcy
    EHL Logo and Member FDIC on Bank Forms
    News Release Compliance Issues - Loan Program
    Lobby Posters in an LPO of a National Bank
    Annual policy reviews
    OCC Required Information, Mortgage Loans
    Using the EHL in Print Advertising
    FBI on Civil Rights?
    Fair Housing Insult is Injury
    1968 - 1998 Thirty Years of Fair Housing
    COMPLIANCE NOTES - Fair Housing Fact
    COMPLIANCE NOTES - HUD's Fair Housing Awards
    Wired For Compliance There's a Wealth of Fair Housing Information on the Web!
    Fair Housing Fact


    Fair Lending
    Equal Housing Lender Logo/Disclosure On Website
    Credit Report Fees and Fair Lending Considerations
    Asking for Relationship b/w Co-Applicants
    Criticized for Gathering Info on HE Refi Loans
    Name of Folder for Fair Lending Compliance?
    Risks That Compliance Officers Should Look For
    Fair-Lending Violations On Your Examiners' Radar
    Marketing Based on Age-Fair Lending Issue?
    Fair Lending Compliance
    Definition of Greenlining
    ABA- Fair Lending Top Compliance Concern by Bankers
    Boat Loan w/o Violating Fair Lending Laws
    Denying a Loan and Possible Violation of Reg
    Fair Lending Risk of Disparate Impact
    EHL, EOL, Which is Right?
    When to Use the EHL or EOL Logos
    EHL Logo on Letterhead
    Fair Lending & Loan Marketing
    Fair Lending Risk Assessment
    Fair Lending - Incomplete Application
    Section 35 Loan
    Reg B – Listing Order of Applicants
    Secondary Market Loans
    Fair Lending - Income Verification
    Bank Querying Customer on Age & Retirement Plans
    Loans Contingent on Account Ownership
    Advertising Rates based on Credit Scores
    Waiving a Loan Administrative Fee
    Advertising Rates based on Credit Scores
    Fair Lending - Second Review of Declined Loans
    Is this Discriminatory?
    Offering Accommodation Loans to Business Customers
    Not So Fair Lending?
    Launching a Risk-based Pricing Program
    Who Are Americans?
    CRA: How Are We Doing?
    Will Appraisal Picture in File Cause Problem?
    Fair lending & auto loans
    May We Require Related Services
    Annual policy reviews
    CRA/Fair Lending
    FBI on Civil Rights?
    Credit Scoring and Fair Lending
    Documentation: Necessary For Everything
    Figuring Income When Some Is Tax Exempt
    Reviewing Second Reviews
    Indirect Loans and Fair Lending Concerns
    Fair Lending Policy: Reverse Redlining Issue
    Employee badges & fair lender logo
    Auditing loan files
    Fair Lending Act & TILA Changes
    Affordable Loan Program and Fair Lending
    Fair Lending
    Fair Lending Power Point
    Mental Competence, Loans, and Fair Lending
    Question & Answer
    Mystery Shopping Revisited
    Small Business Lending
    Preparing for Fair Lending Examinations
    Looking For Fair Lending Problems
    Find It and Fix It The File Comparison Approach
    FNMA under pressure to make more minority loans
    HUD Still Hot on Fair Lending
    EDITORIAL R-E-S-P-E-C-T
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Fair Housing Insult is Injury
    Brokers Friend Or Foe?
    Fair Lending's New Horizons
    COMPLIANCE NOTES - DOJ On The Move Again
    COMPLIANCE NOTES - Lending in "Indian Territory"
    COMPLIANCE NOTES - What You Don't Get from A Fair Lending Exam
    Fair Lending Practical Advice On Managing Fair Lending
    Question & Answer
    Question & Answer
    Fair Lending The Foxhunt
    Compliance Issues - Compliance According to Steve Cross
    COMPLIANCE NOTES - What Good Are Bad Loans?
    COMPLIANCE NOTES - What Examiners Think About Documentation
    Documentation Saves Time…And Banks!
    What's Ahead In Compliance Fair Lending, ECOA et al.
    Fair Lending The Hazards of Sub-Prime Lending
    Question & Answer
    Question & Answer
    Question & Answer
    ECOA & Reg B What is a Credit Scoring System?
    COMPLIANCE NOTES - Greenspan On Discrimination
    Question & Answers
    1968 - 1998 Thirty Years of Fair Housing
    What's Brewing on the Fair Lending Horizon?
    Appraising Appraisals For Fairness
    COMPLIANCE NOTES - Fair Lending Measured by Referrals
    COMPLIANCE NOTES - Fair Housing Fact
    COMPLIANCE NOTES - HUD's Fair Housing Awards
    COMPLIANCE NOTES - HUD Announces Lender Agreements
    EDITORIAL - Keeping Perspective
    Reno Targets Small Business Lending
    The Secondary Market Is It Safe from Discrimination?
    Testing Continues to Find Bias in Lending
    Question & Answer
    Question & Answer
    Wired For Compliance There's a Wealth of Fair Housing Information on the Web!
    Pricing: Risk-based and Otherwise
    Fair Housing Fact
    Fair Lending Where's the Risk?
    COMPLIANCE NOTES - Risks In Indirect Lending
    Fair Lending The Latest Moves from DOJ
    Question & Answer
    Question & Answer
    Fair Lending Which Burners Are Hot
    EDITORIAL - Who Is the Fairest Lender of Us All?
    COMPLIANCE NOTES - HUD Starts More Fair Lending Testing
    COMPLIANCE NOTES - Native American Housing: CRA and Fair Lending
    HMDA Data Use It
    Question & Answer
    Fee Splitting Two Reg Tango?
    COMPLIANCE NOTES - Are Testers in Your Lobby?
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Fair Lending Gets Fancy
    COMPLIANCE NOTES - Developments in Fair Lending Examinations
    COMPLIANCE NOTES - Fair Lending Update: Status of Examinations
    The New Fair Lending Examination
    Question & Answer
    Fair Lending Update On Fair Lending Exams
    Question & Answer
    How The FRB Uses HMDA Data For Fair Lending
    Final Rules From HUD And FRB On Self Testing Privilege
    Broker Fees: There's More Than One Wayto Skin A Regulation
    Fair Lending: A Storm Is Brewing On Two Fronts
    Fair Lending And Insurance Are Related!
    Putting Fair Lending in the Proper Perspective
    Question & Answer
    Fair Lending Developments
    Partners: A Fair Lending Resource From The FRB
    Fair Lending Alert: Pricing
    Fair Lending: The Word from Justice
    EDITORIAL - A Level Playing Field
    Fair Lending: Underwriting Twists
    Question & Answer
    Question & Answer
    The Latest in Fair Lending Investigations
    EXAMINER'S NOTEBOOK - More on Fair Lending: Quality of Assistance
    Question & Answer
    DOJ's Latest Fair Lending Enforcement Action
    Rising Default Rates v. Fair Lending
    COMPLIANCE NOTES - Risk-based Pricing
    FDIC Proposes Burden Relief in Fair Housing Reg
    EDITORIAL - Fair Lending-The Next Four Years
    Fair Lending Advice from a Pro
    Fair Lending Emerging Issues
    Losing Sight Of What Is Fair
    CRA/Fair Lending
    Question & Answer
    New Uses for Credit Scoring
    Question & Answer
    Question & Answer
    EXAMINER'S NOTEBOOK - Fair Lending Examinations March On…
    FRB Proposes Rule on Self-Testing


    Fax/Fraud
    Disputed POS Transaction Authorized - But Scam
    Unique Character Facsimile Signature Regulations
    Fax Fraud Facts…or…Fraud Fax Facts


    Fax Rule
    Verbiage for Facsiile Signature Remove Liability
    Junk Fax Rules
    Status of FCC's Business "Do Not Fax" Rule
    Customers Faxing Applications with SSN on Them
    Faxed Mortgage Loan Application
    Unsolicited Fax Rule Developments
    New Fax Legislation


    FCRA
    Pull Credit Report on Spouse Not on Loan
    Allowed to Give Customer A Copy of Credit Report?
    Using Credit Score to Determine Rates for Promo
    How to Claim Single Owned Acct (Deceased Owner)
    New RESPA Notice of Error Scope
    Run Authorized Agent Only When Opening Business?
    Penalties if Conduct Credit Check on Non-Customer?
    Blank on Consumer Credit Score Disclosure
    Timeframe for Credit Score Disclosure
    Adverse Action for Counter Offer to Borrower
    Risk Based Notice-Date for Switch from Fed/FTC
    Notice to Home Loan App Required for Interim Res?
    Reg on Credit Report Only Valid For 90 Days
    FCRA Requirements-Adverse Action for Joint App
    Adverse Action Required for Denied CD App?
    FACTA Disclosure for Loss Mitigation Actions?
    Send Credit Score Disclosures on Denial Letters?
    New Info CRA for Address Discrepancy (Fact ID)?
    Notify Customers Before Run Chexsystems?
    Credit Score Exception If Requested Loan Not Secured?
    Negative Information Disclosures w/ Adverse Action
    Right to Pull Credit Report on Deceased Spouse?
    Risk Based Pricing Notice-All Credit Reports?
    Notification for Charged Off Consumer Loan (CRA)
    Does Fair Credit Report Act Apply to Business?
    Paperwork to Run Credit Report on Business Owners
    Re-use of Credit Reports and Disclosures
    Exempt Customer that is Owner of ATM?
    Credit Score Exception Notice for New Loan
    Run Signer (Business) w/ ChexSystems w/o Approval
    Include Credit Score on Adverse Action Notice?
    Adverse Action- Info Obtained from Outside Source
    Credit Score Disclosure-Only on Real Estate Loans?
    Procedure for Notice of Adverse Action Forms
    Send Adverse Action Notices Together if Joint App?
    Time Frame to Retain Notice of Adverse Action
    Does FACT Act Apply to Commercial Loans?
    Credit Score Notice w/ AAN (Denying Deposit Accts)
    Reg B ECOA Changes to Adverse Action Notices
    Joint Loan Application-Only One Person Qualifies
    Denied DDA and SAV Account Opening Requests
    Information in Adverse Action Notifications
    Credit Report on Non-Borrowing Spouse
    Passing Fee to Borrower for Trade Line Updates
    Credit Score Disclosure Notice Requirement
    Disclosures Needed When Offering OD LOCs
    Telemarketing Script for Closed End 1st Mortgages
    Risk for Disclosing on All Consumer Loans
    Pre-Approving for Unsecured Revolving Line
    When to Provide a Credit Score Disclosure
    Risk-based Pricing on FACTA Disclosures
    Credit Score Notice and Notice of Action
    Credit Score Disclosure for Mobile Home Loan
    Consumer Reports
    Bank Reporting for Exceeding Overdraft Limits
    Written Consent to Pull a Consumer Report
    How to Complete an Adverse Action Notice
    Failed Verifications in Online Identity Verification Databases
    Revealing ChexSystems Report
    FCRA for Excessive Overdrafts
    Requirement for Notice to Home Loan Applicant
    Credit Report for Hiring Purposes
    Free Credit Bureau Report
    Credit Report Regulation
    HELOC Denial
    Commercial Purpose Loan - Required Disclosures?
    Reg AA & Late Fees
    Credit Score Notice Timing
    Credit Score Disclosure to a Co-signer
    Credit Bureau Report - No Credit Score Given
    Pulling Credit Reports
    FCRA - Mailing Adverse Action Notices
    Sharing Customer Info with Bank’s Brokerage Firm
    Giving Information to Non-Affiliate
    Credit Report Authorization Form Retention
    Account Denied – Turn Down Letter Required?
    Regulation Governing Account Opening Refusal
    Credit Bureau Reporting – Advance Notices
    Credit Report – Signature Required on Phone Apps?
    FACTA Verification - Fraud Alert on Credit Bureau
    Customer Wants Credit Bureau History Changed
    Pull Credit Report -Disclose at New Accounts Desk?
    Send Two Separate Adverse Action Notices?
    Notice to Home Loan Applicant Required?
    Use New Red Flag Checklist on All Customers?
    Credit Report - Written Authorization Required?
    Joint Applicants - Separate Adverse Action Notices
    Send FCRA Adverse Notice to Individual & Company?
    Pulling Credit Reports - Signed Forms Required?
    FCRA Notice-Loan Denied Due to Low Appraised Value
    Time Frame to Provide Notice of Action Taken
    Contacting the Applicant
    Debit Card Declined - Notice of Action Required?
    Account Declined - Adverse Action Notice
    Sole Proprietorships & FCRA Adverse Action Notices
    Joint Applicants - Separate Adverse Action Forms?
    Customer Allowed Copy of Credit Report Under FCRA?
    Verbal Credit Authorization
    Fact Act Letter
    Notice to Home Loan Applicant Disclosure
    Medical Disability Date Verification
    Using a Credit Report Pulled by a Mortgage Company
    Disclosing Credit Report Info to Customers
    FCRA Credit Report Credit Score Disclosures
    When Do We Send the Credit Reporting Warning?
    Voluntarily Giving Customers Copies of Credit Reports
    Re-adding Credit Scores to Credit Reports
    Adverse Action Notice Sent to Mother & Daughter?
    Credit Checks on Employees with Access to Sensitive Info
    Notice Required for Denied Checking Account?
    FACTA Confusion - Sharing Information w/Affiliates
    FCRA & Credit Underwriting
    Is Internal Cross-Selling an FCRA Violation?
    Pre-approved Home Equity Loan Promotion
    Credit Reports
    Applications, Credit Reports and FCRA Disclosures (PDF)
    Updating Loan Policy to Reflect FACTA Changes
    Tiered Loan Rates and FACT/FCRA Notice
    Should This FCRA Notice be Sent to Bankrupts?
    Construction Loans
    Debit Card Denial
    Does Risk Based Price Need to be Validated?
    Credit Dispute Checklist
    FCRA and Credit Reports
    Pulling Credit Reports for Employment Purposes
    Reporting Loans to Credit Bureau
    Customer's Signature for Pulling Chex-Systems
    FCRA guidance needed on score disclosures
    FCRA Notice If Reporting OD Status?
    Pulling Credit Report for Bounce Protection
    Content of the Adverse Action Notice
    FCRA Disclosure Forms
    Authorization to Access a Credit Report
    FACT Act Notice of Derogatory Information
    Discussing Credit Report Information
    Credit report dated earlier than application. FCRA violation?
    Add "V" to Your Regulatory Alphabet
    Denied Debit Card Rules
    When Is This An Application
    Adverse Action Notices and Co-Applicants
    Privacy notice with mortgage affiliate
    Notice for Withdrawn Applications
    Bad Credit Report & Employee Dismissal
    Car Dealership Pulling Credit Report
    Credit Scoring for New Accounts
    Checking the FCRA box for excellent credit?
    Credit Report for Suspicious Activity
    Business Account Signer, NSF Abuse, and Refusing to Open Account
    Denial Forms For Debit Cards
    Record Retention on Prescreening
    CIP and compliance with other laws
    Guarantor Access To Borrower's Credit Scores
    New loan numbers for customers who reapply
    Sample Wording Regarding FCRA For Privacy Notice
    FCRA, Joint Accounts, and Adverse Action
    Disclosure Requirements: Declining An ATM Card
    Credit Scoring, High Rates and FCRA
    Question & Answer
    FCRA & Employees
    Question & Answer
    FCRA
    FCRA, ECOA, and Adverse Action Notices
    FCRA Rears Its Head
    Question & Answer
    Question & Answer
    FCRA The OCC Unleashed
    COMPLIANCE NOTES - Fair Credit Reporting Practices
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Attention! New Accounts !You Need To Know About The Fair Credit Reporting Act
    ASIS Legislative Alert
    Question & Answer
    Question & Answer
    Question & Answer
    COMPLIANCE NOTES - Examining (or not) for FCRA
    Question & Answers
    Question & Answers
    FRB Issues Final Notification Forms
    Question & Answer
    Question & Answer
    Fair Credit Reporting: What's "Adverse"?
    Question & Answer
    FCRA New Rules for Prescreening
    Question & Answer
    COMPLIANCE NOTES - Dueling Regulations: FCRA v. Crime
    Hot Spots In Fair Credit Reporting
    Question & Answer
    Question & Answer
    FRB Proposes New Adverse Action Notices
    Question & Answer
    Question & Answer
    EDITORIAL - Pre-approved Loans - Food for Thought.


    FDIC
    How to Divide Over $800,000.00 Under FDIC Limits
    Deposits Considered Unsecured Credits if Failure?
    Notice Requirements for Sweep Accounts
    FDIC Insurance for Revocable Trust
    FDIC Logo Required on Information Letter?
    FDIC Apply to Beneficiaries for CD Account?
    POD on Statement If On Account Agreement?
    Member FDIC on Customer Testimonial Poster
    Member FDIC on Cashier's Check/Money Order
    FDIC Insurance Tab on Bank Website
    Where to Find REF Repeal of Reg Q (Demand Deposit)
    Mailing Notices to Customers about Dodd-Frank
    Advertising Solicitation Compliance Requirements
    FDIC Signage in Drive-throughs
    TAGP Participation
    Logos Needed on Generic Deposit Slips
    IOLTA Accounts and Interest Rates
    Sign for Transaction Account Guarantee Program
    New FDIC Temporary Insurance Rules
    TAGP and a NOW Account with Tiered Rates
    Member FDIC on LinkedIn?
    FDIC Certificate
    FDIC Logo and Statement on Name Badges
    Member FDIC Signs
    Sweep Account - Reg D Violation?
    Sweep Account - Reg D Violation?
    Do we need the FDIC logo?
    Member FDIC in Banner Ad
    FDIC & Reg CC Holds
    FDIC - TV Commercial
    Compliance Issues when Marketing HSAs
    Bank Partnering with Realtor - Signage Compliance
    CD Deposit Insurance Coverage as of 1/1/2014
    Trust is Not a "Natural Person"?
    Member FDIC
    Disclosure in Foreign Language
    FDIC Ruling on POD Accounts
    Advertising NDIP in Bank Newsletter
    FDIC Official Advertising Statement
    FDIC Membership
    $250,000 FDIC Insurance Limit Permanent?
    Corporate Business Account - FDIC Insured?
    New FDIC Signs
    FDIC Insurance – POD Accounts
    FDIC’s Payout Time Frame on Insured Funds
    FDIC Insurance - Definition of Official Custodian
    FDIC Insurance Coverage - Commercial Accounts
    FDIC Insurance & Sweep Accounts
    Outdoor Sign
    FDIC Insurance Changes - New Signage Required?
    New FDIC EH Lender Poster
    FDIC Ruling Applicable to Commercial Loans?
    Advertising FDIC Insured Money Market Accounts
    FDIC Logo on Security Envelopes & Promo Items
    Bank Failures, Uninsured Deposits & Loan Payments
    Brochure Disclosures
    FDIC and Loan Ad
    Required/Optional, Member FDIC
    Electronic billboard and FDIC
    Translating FDIC Disclosures
    Website - FDIC Logo
    "Member FDIC" Statement
    Financial Institution Regulation Defined
    Deposit Bags
    FDIC Loan Definitions
    Insurance Disclosures on Business Purpose Loan
    FDIC signs
    Member FDIC Logo on Bank-Sponsored School Sign?
    Member FDIC Required on Privacy Disclosures?
    Government Lists for 314a Search Requirements
    OLD FDIC Seal in Print Ads
    Event Sponsorship
    FDIC Insurance on POD Accounts
    FDIC Logo Change?
    FDIC Logo and Credit Card Ads
    Logo Size Requirement
    New Signage?
    Displaying FDIC Signage Before the Compliance Date
    FDIC Logo Required on Public Relations Ad?
    Member FDIC on General Image Boards
    Member FDIC in Place of the FDIC Logo?
    Exclude Member FDIC?
    New FDIC Advertising Rules
    Commercial Lending Newspaper Advertisement
    Bank Advertising - Member FDIC
    Teller Window Signage
    Member FDIC Logo on Bank Sponsored School Sign?
    FDIC Official Statement in TV Ads
    FDIC Signage Change
    New FDIC Signage Size
    New FDIC Logo
    Complying with FDIC SCANS bulletin #Chiro-04-2001
    Say It and Show it?
    FDIC Logo - Minimum Type Size on Print Ads
    Lender Business Cards - EHL Logo & FDIC Logo
    Member FDIC on Construction Signage?
    Member FDIC on Name Badges
    Use Member FDIC or DIF in Newspaper Ads?
    Member FDIC & Outhouse logo on Survey Form
    Online Annual Reports and the FDIC Logo
    Readability Standards For "Clear and Conspicuous" Display
    EHL & FDIC Logo Required on Direct Mail Postcard?
    Using The FDIC Logo When Marketing Your Wealth Management Products
    Regulatory Logos on Promotional Items
    FDIC Logo & EH Logo Left off of Promo Pens
    FDIC Insurance Coverage of Individual Accounts
    Member FDIC Required on ATM Billboard Ad?
    Minimum Size of the FDIC Logo
    Trust & Investment Products In The Same Ad
    POC Costs & Property Taxes Listed on HUD-1A form
    Step Children as Qualifying Beneficiaries
    FDIC Logo Required on Generic Statement Stuffer?
    EHL Logo and Member FDIC on Bank Forms
    FDIC Insurance Scam
    Is FDIC Logo Required on Informational Brochures?
    FDIC's Web Service
    Email and Internet Fraud
    More Scams using FDIC
    Fraud, FDIC and FACTA
    Size Restrictions on FDIC Insurance Signs
    Advertising a Private Insurance Carrier's Logo
    Member FDIC & EHL Logo on Teller Receipts


    Reasons for Filing a SAR
    List of Required Signage from the FDIC
    Age and Product Features for Senior Accounts
    FDIC Signage Dilemma
    FDIC Issues EDIE on CD-ROM
    Penalties for Violating FDIC Ad Rule
    Are irrevocable trusts covered by FDIC deposit insurance?
    Are EHL Logo and Member FDIC Required Here?
    Financial Education Site
    FDIC Membership Requirements
    Statement of Condition Availability
    Risk-Based Compliance Exam Procedures
    FDIC Signage on ATMs and Night Depositories
    Regulatory Logos on Promotional Items
    Special Financing for Flood Victims
    Securing Deposits In Excess Of FDIC Insurance
    ATM Signage Requirements
    Trust & Investment Products In The Same Ad
    Multiple Products, One Ad, & Disclosures
    Is the FDIC logo required on business cards?
    FDIC Coverage For Irrevocable Trust Account
    FDIC Insurance Coverage On Business Accounts
    Adding Marketing Language To Monthly Statement
    FDIC Issues Current News On Internet
    Estimating Uninsured Deposits for your Call Report
    Making Sense Of FDIC Joint Account Coverage


    FDIC Insurance
    FDIC Changed Deposit Insured Amount to $100,000?
    FDIC $250,000 Insured Limit for Multiple Accounts
    FDIC Insurance Apply to Cyber Crime Loss of Funds?
    Non-Insured Products Flyer In New Accts Folders
    Is FDIC Coverage Changing This Year?
    FDIC Logo Required on Flyers for OREO Properties?
    Money Market Included in Insurance for FDIC?
    Does FDIC Insurance Cover Authorized Signer?
    Transaction Account Guarantee Program
    FDIC Insurance Limits
    FDIC Insurance Coverage
    Member FDIC Signs
    Lending Production Office, FDIC Signs Required
    FDIC Insurance on POD Accounts
    Marketing "Not FDIC Insured" Insurance Products
    Is an IOLA Account Covered Under FDIC Insurance?
    FDIC Insurance Coverage of Individual Accounts
    Trust & Investment Products In The Same Ad
    Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs
    Step Children as Qualifying Beneficiaries
    Safe Deposit Boxes Are Not FDIC Insured
    FDIC Insurance Scam
    Advertising a Private Insurance Carrier's Logo
    FDIC Signage Dilemma
    Umbrella Deposit Coverage Availability?
    Program Allows Customers to Beat $100,000 Limit
    One Signature on the Card--is it a Joint Account?
    Family Trust as Beneficiary?
    Ownership & Insurance of Account
    FDIC Membership Requirements
    AARP Boosts Higher Insurance
    Information on CDARS
    Adding A Living Trust As POD
    Adding Marketing Language To Monthly Statement
    Lobby Notice Requirements Chart
    Using The FDIC Logo When Marketing Your Wealth Management Products
    How should we handle the interest from a $100,000 CD if we have no forwarding address?
    "On Hold" Telephone Marketing & FDIC Insurance Disclosure
    POD CDs & FDIC Insurance Coverage
    FDIC Insurance For Business & Non-Profit Accounts
    Joint Account Deposit Insurance
    Estimating Uninsured Deposits for your Call Report
    FDIC Insurance For Government Entities
    FDIC Statement in Ads
    FDIC Insurance Fee
    FDIC Coverage on Church Accounts
    Making the Most of FDIC Insurance
    Question & Answer


    FDICIA
    Audit Committee Membership Requirements
    "FDICIA"…And The Beat Goes On…


    Fee Income
    Charging an Advance Fee on Consumer LOC
    Continuous Overdrafts Fee - Notify Customers?
    2007 HOEPA Base Fee Amount
    Charging a Credit Report Fee at Closing
    Outside Vendor Paying for Customer Referrals
    Requiring Bank to Disclose a Fee from a 3rd Party
    Changing Late Fee on Existing Loans
    Check Processing Fee
    A Lesson Learned
    ATMs May Need New Direction
    Rules For Free Checking?
    Charging Bad Address Accounts A "Service Fee"
    Waiving Fees For Certain Business Customers
    Limits on Consumer Loan Fees?
    Required Level Of Detail On the GFE/HUD-1A
    EDITORIAL - Let Them Eat Cake!
    And We Wonder Why Customers Get Angry!


    Fees
    Charge Fee For Periodic Statements?
    Use and Occupancy Fee Considered APR Fee?
    Possible to Charge Client w/Excessive OD Charges?
    Allowed to Give Customer A Copy of Credit Report? 
    CBC Credit Bureaus Fees Passed On To GFE
    Allowed to Charge Customer Modification Fee?
    Right of Offset to Pay Towards Past Due Payment
    Normal Fee to Charge for Cashing Govt Check
    Cost of Certified Mail for Collection Activity-Fee
    Charge Wire Fee If Resending the Same Wire?
    Collect Fees on Home Equity Before Closing?
    Collection Practices for Mortgage Appraisal Fees
    Charging for Additional PINs to ACH-pay Taxes
    Governing Authority That Regulates Fees?
    Different Origination Fees for Each County?
    Credit Report Charge Amount=Vendor Amount?
    Disclose Fees as POC to get Correct APR? HELOC
    Charge Appraisal Fee on Consumer Auto Loan?
    Credit Report Fees and Fair Lending Considerations
    Waiving Loan Administration Fees for Customers
    State Law Caps on ATM Fees?
    30 Days Notice Required When Increase Fees?
    Refund Fraudulent Check Fees Clearing Business?
    List of Fees Included in APR Calculation Oct. 2006
    Fee for cash advance on debit card
    Offer Notary Services & Charge Non-Customers?
    Including Personal Checking in Analysis Group
    Charging Fees in Finance Charge-Real Estate Loan
    Charge Fee for Non-Customer Cash Advances?
    Requiring Customer to Pay Back Fees Reversed
    Reg E Fees
    Minor Account Dormant Fee for Inactivity
    Charge Loan Fee for Borrowing Against CD?
    Charge When Old Rebate Checks Hit Old Account
    Refund 3rd Party Fees if Loan is Denied?
    Dollar Amount Limit on Charging NSF Fee
    Rules for Holding Funds on Acct: Bank has Lien
    Charging Overdraft Fee on Frozen Account
    Adding a Charged Off DDA, Savings Acct. to Loan
    Late Fees on a Single Payment Loan
    Check Cashing Fee
    Implementing Fees on Inactive Accounts
    Reg O and Fee Waivers
    Fees for Overdrafts
    Disclosing Wire Fees on Statement
    Fee for ACH One-time Originations
    ATM Fees for Active Duty Military?
    Reg E Opt-in Confusion
    Reg that Covers Commercial Deposit Holders
    Opt-out Chosen: Can we Charge NSF Fee?
    Charging Modification Fee?
    ATM Fee Refunds and IRS Reporting
    Notice for New ACH Fee
    Wire Transfer Fees
    Paying Bank Employees a Referral Fee
    Fees on Home Equity Loans
    Pre-paid Real Estate Fees
    Business Money Market Account Activity
    HELOC - Fees & Closing Costs
    Unsecured Credit Line Over the Limit Fee
    Revolving Credit Loans - Over the Limit Fees
    Fee Increase – New Opt-in and Disclosures Required?
    New RESPA Forms - Loan Fee Disclosure
    Issuing GFEs at the Branch
    HSAs and Overdraft Fees
    Reg DD Compliance – Overdraft Fees & Return Fees
    ATM Hold – Overdraft & Return Check Fees
    Date of Opt-in Fee Waiver
    Inadvertent Reg O Violation
    No OD Program - Opt-out all Customers?
    GFE – Inspection Fee Disclosures
    Wire Fee Change – Disclosures Required?
    Reg E – Handling Consecutive OD Fees
    Documentation Fee
    Daily Overdraft Fee - Customer Notice
    Flood - Life of Loan Determination
    Third Party Vendor Real Estate Evaluations
    No Origination Fee on HI Loans?
    Loan Extension Fee
    Fee Change – Additional Disclosures & Wait Period?
    Doc Preparation Fee Guidelines
    POC Query
    Posting ATM Disclosures
    Overdraft Fee Disclosures
    Real Estate Admin Fee
    Demand Deposit Loan
    Foreign Credit Card Cash Advance Fee
    Reg AA & Late Fees
    New Guidelines - Charging a Refinance Fee
    Reg D - Do Fees Count Toward the Six Transfers?
    Credit Card Act Confusion
    Credit Card Act Confusion
    Mortgage Loans Fees & the APR
    ATM Non-customer Fee Disclosure
    Loan & Filing Fees – Trigger ROR?
    Packaging Fee
    Credit Report & Flood Determination Fees
    Referral fee for business accounts
    Proof of Insurance Fee
    EVP Covers Son's OD - Reg O Violation?
    Reg E Dispute - Arbitration Fees
    Closing Fee a Pre-paid Finance Charge?
    ATM Disclosures
    Reg O - NSF Fee Refund
    Charging a Paper Statement Fee
    Waiver of ATM Fees
    Loan Sold to Investor - Borrower Closing Costs
    Real Estate Transaction Fees
    New Reg DD Amendment – OD Fee Disclosures
    TIL Disclosure Statement - List Fees?
    New RESPA Rules - Tolerance for Fees
    State Unemployment Debit Cards
    Recovering a Bonus for Early Closure
    New RESPA Rules - Tolerance for Fees
    Reg DD Changes?
    Reg O – Senior Management Employee Benefits
    Origination Fee Discrepancy
    Reg Z - Inspection Fees in the Finance Charges
    Pass on Legal Fees to Garnished Customer?
    Disclose Fees Borrower Doesn’t Pay?
    FHA Loans - Referral Fees
    NDIP Referral Fees
    Third Party Originator Referral Fee
    Commercial Deposit Accounts - Fee Guidance
    New TILA Pre-Disclosure?
    NSF Fee Change Notice
    Appraisal Review Fee
    Underwriting Fee Charge
    Free Accounts and Fee for Statement
    RESPA – Title Company Broker Fee
    SCRA – Is 6% the Interest Rate or the APR?
    Paying Tellers a Referral Fee – RESPA Violation?
    Bank Employee Checking Account OD Protection
    Error Resolution Investigation - No Fees Allowed?
    Deposit Incentive
    Reg R Section 218.701 Compliance
    Charging a Fee on a Denied Debit Card Transaction
    App Withdrawn/Denied - Collecting an Appraisal Fee
    Reflect All Fees on HUD Prepared by a Title Co?
    Reg Governing Debits & Fees for NSF Checks
    Seller Paying Fees Due at Closing
    Full Amount of Fee as Prepaid Finance Charge
    Reverse Referral Fee
    Commercial Loan Referral - Paying a Finder's Fee
    Reg DD - Posting Fee Change in Branch Lobbies
    Tax Holding Fee - Part of the APR?
    ATM Withdrawal - NSF Fee
    OD Fee Disclosures - Changing Order of Items Paid
    Totally Free Business Checking
    Waive Wire Transfer Fee - Reg O Violation?
    Business & Farm Loan Renewal Fee
    Service Charges
    Bank Flyers at Dealership & RESPA Referral Fees
    RESPA - Risk Insurance Premium Disclosures
    Modification Fee - New Disclosures Required?
    RESPA - Kickbacks & Mortgage Broker Fees
    Reg E - Interested Included in Customer Liability?
    Overdraft Fee Covered Under Reg E?
    Referral Fee to Customer
    Reporting Refund Fees on 1099s
    Calculation of Fees Subject to HOEPA
    Roll Attorney's Fees into First Mortgage?
    Mortgage Rate Lock Fee
    Mobile Home Late Fees
    Requiring E-Statements
    Lowering Rates on Existing Mortgages - Redisclose
    Mortgage Application Fee
    Paying Off Late Fees with Escrow Account Funds
    ATM Surcharge Fee Refunds - Tax Reporting
    Foreign ATMs - 1099 Reporting
    Tiered System Overdraft Fee Disclosures
    Texas NSF Fees
    Disclosure of HELOC Early Termination Fee
    Section 32 Loans - Fee Trigger Threshold?
    Overdraft Fee Increase - 30 Days Notice Required?
    Tax Service Fee Exempt from RESPA Disclosure?
    Member FDIC on Sheet Stuffer?
    Privacy - Is Vendor an Affiliate?
    Skip Payment Plan
    Limitations on Late Charges
    Reg E - Temporary Reversal of OD/NSF Fees
    Charging a Savings Account Overdraft Fee
    HR 946 - Overdraft Fee Bill
    Stolen Debit Card - Refunding Foreign ATM Fees
    Appraisal Fee Reimbursement
    Vehicle Lien Filing Fee
    Inactive Account Fee
    Double Charging
    HOEPA Worksheet Query
    New Account Sale - Referral Fee
    Why Isn't This Fee a RESPA Violation?
    Raising Wire Transfer Fees - New Disclosures?
    Cashing On-us Checks for Non-customers
    Reg O - Waiving the 1% Origination Fee
    Reg E - OD Fees & Provisional Credit
    Disputing ACH Debits on a Pay Day Loan
    Mortgage Late Fee
    Reg Z and Filing Fees
    Credit Account for ODs from Lost ATM Card?
    Refund Included Provisional Credit Notice?
    Waiving a Loan Administrative Fee
    Needs Help Understanding Statement
    Pull a Credit Report for an Account
    Free Checking Advertising - Inactive Account Fee
    FASB Documentation Fee Disclosure
    Where in the Reg?
    EHL Included in all Advertising?
    Non-client Savings Bond Redemption Fee
    Guidance Needed on Late Charge Assessments
    Changing ATM Service Providers
    RESPA - Won't Show the Fees as POC
    Correcting a Closing Fee Error
    Gift Cards- disclosing fees on advertising
    Non-customer Credit Card Cash Advance Fees
    What are Goods and Services in Lending?
    Unrelated Third-Party Assumption
    Reverse Mortgage Referral Fee
    Reflecting Appraisal Fee on the HUD-1
    Bounce Protection Fee Notification
    Splitting Advertising Costs - RESPA Violations?
    Appraisal Fee Refund & Notice
    Broker Residental Mortgage Fees
    Mortgage Satisfaction Fees
    Bank Wants to Increase Fees, Disclosures Required?
    Free Checking - Account Closing Fee
    Transfer Fee Considered a Reg D Transaction?
    Charging a Credit Report Fee at Closing
    Credit Report Fee
    Treatment of Appraisal Fee on GFE and HUD-1
    Paying Director's Uncollected Funds Check, No Fee
    Agents Pay Portion of Comm to Real Estate Agencies
    Fed Ex Fee Part of the Finance Charge?
    Appraisal Fee Disclosure
    OD Program - Disclosures and Notices
    $10 Fee for Cashing a $15 Check
    Advertising Fee Free ATM Usage
    Title Updates
    Reg O - Executive Officer's Repeated Overdrafts
    Late Payment Time Frame
    Construction Loan Survey Fee
    HELOC - Disclosing Closing Costs
    Service Charge Change Notice
    Flood Certification Fee Split
    APR Rate Impacted by VSI Fee?
    Free Checking Account Inactivity Fee
    Calculate the Survey Fee as an APR Fee?
    s Document Preparation Fee Disclosure
    Return Fee and a Late Fee?
    HUD Fee Matching the TIL Fee
    Charge an Overdraft Fee & Interest Fee
    ATM Foreign Currency Conversion Fee
    It's Back! 30 Year Maturity Series
    Disclosing Credit Report Fee
    Home Equity Application Requirements
    10% Fee on Every Draw from a HELOC
    Brokered Real Estate Loans - Origination Fee Issue
    HELOC Late Fees
    Paying a Referral Fee for Done Deals?
    Is this Transaction Fee a Finance Charge?
    Reg DD - Statement Printed After July 1st Deadline
    Win Cash at the ATM
    Accounting for Fees in Delinquent Payments
    Notice of Overdraft - Required?
    Bridge Loan Origination Fee Refund
    Charging a Fee on a Completely Free Account
    Regulation DD Changes -- A Sleeper Issue?
    Allowed Mortgage Fees
    Commercial Account Overdraft Fees
    Fees for Overdrafts and for Returning Checks
    OD Fee on Overdrawn Account Due to Service Charge
    Reg DD Overdraft & NSF Fee Disclosures
    Digital Storage Fee a Finance Charge Fee?
    Paid Outside of Closing Fees
    Do We Disclose Overdraft Fees on Statements?
    Charging a Rate Lock Fee on Mortgage Loans
    Are These Fees Considered Finance Charges?
    Reflecting the Refund of Fees on the HUD-1
    Fee for Loan Payments Made with Credit Cards
    Increasing Surcharges on ATMs
    Disclosing Condo Fees
    Fee Limitations on Force-Placed Flood Insurance
    Charging a Fee for Cashing Foreign Checks
    Charging a Fee to Cash IRS & State Checks
    Charging an Administrative Fee on a Consumer Loan
    Placing Holds on US Treasury Checks
    Annual Financial Disclosure Statements
    Charging a Fee. How Do We Update the GFE?
    ROR - Bona Fide Personal Financial Emergency
    Fee Limitations on Forced Placed Flood Insurance
    Requiring Bank to Disclose a Fee from a 3rd Party
    Puzzled by the OCC's Handy Chart
    Referral Fee from a Mortgage Broker
    Forwarding Declined Loan Applications to Mortgage Company
    Savings & Checking Account Inactivity Fees
    Changing Saving Withdrawal Fees
    Paying Fees to Employees of an Affiliate
    Overdraft Fees on Savings Accounts?
    Excessive Transactions - Charging a Fee
    Reg DD - Garnishment & Levy Fees
    NSF Fee for POS Transaction
    Refunding Fees Charged for Excessive Withdrawals
    Loan Fees & Late Fees (PDF)
    RESPA (PDF)
    Lending referrals
    Augmenting the Loan Origination Fee
    HUD-1s and Fees
    Disputed Visa Debit Card Transaction Fee
    Investor Asking Us To Refund to Borrower
    Admin Fee VS. Processing Fee
    Is the Courier Fee Part of the Finance Charge?
    Debit Card Change In Terms-Before Product Launch
    TISA Notice for Increased Fees
    Mortgage Broker Looking for Answers
    Waiving the Overdraft Fee - Director is Signer
    Document Prep Fee in APR?
    Origination Fee vs. Points
    Referral Fee for Commercial Loans
    Underwriting Fee Included As a Finance Charge
    Are your Internal Controls like Swiss Cheese? Part 14
    Lending referrals
    Chart for fees in APR and Section 32
    Disclosures for Charging Foreign ATM Fees
    HOEPA - New Points and Fees Dollar Threshold
    Calculation of HOEPA Fee Trigger/ MOB Not Included
    Charging a Fee for Inactive Accounts
    Is NSF Fee for Paid Items a Finance Charge?
    Check-Cashing Fees
    Disclosing Fee for Withdrawal
    Upcharging and Disclosing It Correctly
    When Is This Fee A Finance Charge
    Charging NSF Fees on Saving Accounts w/ACHs
    Required to Send Notification of Overdrafts?
    What Fees Should Be Disclosed as PFC's?
    Cashing On-Us Checks for Non-Customers
    Merchants Collecting NSF Fees Automatically
    Documentation Fee's affect on APR
    Disclosing the Flood Certification Fees
    Cashing Checks for a Fee, Register as an MSB?
    RESPA and Fee for Services
    Referral Fee to a Broker for Auto Loans
    Offering Consumers a Fee for Customer Referral
    Is a Wire Transfer Fee a Finance Charge?
    Can We Collect Our Fees Before Paying a Levy
    Changing Late Fee on Existing Loans
    Is this Fee Splitting or an Acceptable practice?
    Early Disclosure Wrong, Closing Correct, What Now
    Permitted fee for services?
    Charging an Additional Fee for Difficult Deposits
    Early Disclosure Wrong, Closing Correct, What Now
    Regulation E Fee Disclosures - §205.7(b)
    Fee for Desktop Underwriter
    Fees to be disclosed per RESPA?
    Bill Payment Fee Disclosure
    Document Review Fee a Finance Charge?
    Refund of Rate Lock Fee -- POC?
    Regulation E Fee Disclosures
    Advertising - Charging ODP Fee on Free Checking
    Notification to Change a Fee
    Overdraft Fee on a Savings Account
    Application fees, credit reports, and disclosure
    Inspection Fee a Prepaid FC?
    Is This Fee a Finance Charge?
    Fee Disclosed, But Never Imposed
    NSF Fee on an ACH Item
    No Fee, Waived Fee and RESPA GFE
    Reg Z Section 32 Clarification Sought
    Fees in Finance Charge
    Check Processing Fee
    $50 for Direct Deposit & Funds Transfer
    Reg. DD Fee Change Notice
    ACH Fines for Unauthorized Transfers
    Fees for coin-counting services
    Passing on fees for automated underwriting system
    Paying Mortgage Referral Fees
    What Fees are Marked as Prepaid?
    $3,000 Log, Include the Fee?
    Charging For Affidavit for Unauthorized ACH
    What Do Other Bankers Do?-Lending To Rural America
    Fee Limit in Reg D?
    Fee for Force-Placed Flood Coverage
    Can We Still Cash These Checks?
    Is Account "Free" if We Charge for Images?
    Are Inspection Fees Finance Charges
    Reg. DD Fee Change Disclosure
    Steps in Changing the Fee for a Safe-Deposit Box
    RESPA Referral Fees
    NSF Fee on a Savings Account
    Charging a Fee on a Completely Free Account
    Are Fee Waivers Tax Reportable
    Reg O and Overdraft Fees (Not) Charged
    Combined Fees on a Mortgage Loan
    Pre-Paid Finance Charge
    If the bank pays the fees, are they still finance charges?
    We're Watching
    Disclosing Fee Changes
    Paying for Loan Referrals
    Free Accounts with Low Balances Cost Us Money
    Converting Safe Deposit Boxes from Free
    A Lesson Learned
    Military leave
    Waiving Service Charges for Directors
    Referral Fees for Commercial Referrals
    Balancing Fees Between TIL and HUD-1 Disclosures
    Rescission on Interest and Fees
    Paying Interest on Disputed Amounts
    Noncustomer Check Cashing Fees for Tax Checks
    Internal Appraisal Fees=Finance Charges
    Noncustomer Check Cashing Fees for Tax Checks
    Fees Under Section 32 of Reg Z
    Prepaid Charges Affecting the APR
    Statement Disclosure Requirements
    ATM Surcharge signs
    Disclosing Miscellaneous Fees
    Classification of Doc Prep Fees
    Difference in Points and Origination Fees
    Payoff-Related Fees
    Disclosures of Fees on Commercial Loans
    UCC Recording Fee Treatment Under Reg Z
    Mortgage Referral Fee Paid to Employees
    Appraisal Fees on Construction Loans
    Fee for Verifying Tax Records
    Application Fee vs. Third Party Fee
    RESPA and a "reasonable" fee
    Reg Q and waivers of fees
    Merger-Related Fee Changes
    Finance Charges & Construction Loan Inspection Fees
    Dormant Fees on Official Checks
    Disclosing life of loan determination fees on TIL disclosures
    Settlement Fees - Attorney vs. Settlement Company
    Doc Prep Charges on the HUD-1
    Disclose Cancellation Fee on the HUD1?
    Adding handling fee when force placing insurance
    ATM Disclosures Regarding Fees And Availability
    TIL & Rate Lock Fees
    Fees For In-House Flood Determination
    Credit Reports, Flood Determination, & HUD-1 Charges
    Car Dealers, Fees, and Disclosures
    Rescission: Must a financial institution refund "non-refundable" fees?
    Negotiated closing costs & no-closing cost loans
    Required Fees Listed On TIL Disclosure
    Charging Bad Address Accounts A "Service Fee"
    Return Of Draft, Fees, and UCC Deadlines
    Waiving Fees For Certain Business Customers
    "Notice of Hold" & Collection Of Return Item Fees
    Increasing NSF Fees: Is a 30-Day Notice Required?
    Limits on Consumer Loan Fees?
    Getting the HUD-1 Right
    RESPA: Itemized Fees vs. Single Processing Fees
    Credit Bureau Fees & The HUD-1
    Reg Z and Sec. 32: Is a courier fee "always" a Sec. 32 charge?
    Settlement Fees - Attorney vs. Settlement Company
    Advance Notice To Raise Fees?
    Automobile Loan Fees For Insurance Tracking
    Mortgage Referral Fees
    Changing Fees & Customer Notice
    Fees For Court Order Compliance
    Referral Fees For Commercial Loans
    RESPA, Recording Fees, and the GFE
    Loan Payments, Fees, & Overdraft Protection
    Loan Fees & Collecting Accrued Interest
    Reducing Loan Fees For Employees Only
    Doc Prep Fees, APR, and Prepaid Finance Charges
    Are construction loan inspection fees (performed by an outside firm) included in the APR calculation?
    Construction Inspection Fee: Finance Charge or Prepaid Finance Charge
    Referral Fees For Commercial Loans
    Charging Fees For An Erroneous Error Report on an EFT
    State Law Or Federal Law For Loan Fees
    Piling on NSF Fees
    NSF Fees on Subsequent Presentments
    Extending Commitments, Extra Fees & Disclosures
    Fees To Cover Reg E Compliance
    Internet Banking Fees: Can notification of changes be make (only) on the web site?
    Definition: Pyramiding Late Fees
    Brannam v. Huntington Mortgage Company
    Overdraft Fees on Electronic Transactions
    Closing Agent Fee
    Stupid Fee Tricks
    Charging Fees to Comply with Requests
    ATM Fee Notices
    Application Fees
    Using Average Costs For Loan Fees
    Charging Fees For Returned Mail
    Is it illegal to charge a loan documentation preparation fee?
    Mortgage Loans, Credit & Appraisal Costs, and Application Fees
    Refunding Non-Refundable Fees
    Disclosures: Different Fees For Different Markets
    Are attorney's fees considered a finance charge under Reg Z?
    Attorney's Fees
    Fees: Overnighting the Loan Docs
    Fees For PAYOFF Statements
    Question & Answer
    EDITORIAL - Fair Banking and Fees
    Fees Service, Service Fees, and Compliance


    Federal Reserve
    Correcting Variances on HUD w/different Processors
    Posting a Bank's Credit Card Agreement
    Timeframe to a File a Without Entry Claim
    see FRB


    FEMA
    Force Place Flood – Adding New Collateral
    Force Place for Flood Zone Discrepancies?
    Blanket Insurance Policy
    Flood Certification Frustration
    Mandatory Flood Coverage on All Buildings?
    Flood Insurance - Additional Premium Owed
    My Home Is & Isn't in a Flood Zone
    Property Deemed to be in the SFHA
    Flood Zone Change & the Grandfathering Rule
    Determining the Flood Premium & Disclosing on GFE
    Flood Insurance - Uninsurable House
    Flood Insurance Coverage Conundrum
    Flood Zone Re-mapping Notices
    Oops! We May Have Flood Penalty Disaster
    When the Zone Differs
    Two Flood Certifications/Determinations Needed?
    HELOC - Loan Advance by Spouse Not on the Note
    Dispute of Flood Zone
    Force-placed Flood Insurance Notice Cycles
    New Flood Hazard Determination Form
    Two Part Flood Question
    Current Federal Forms
    FEMA makes flood hazard tutorials available online
    Flood Cert. on a Mobile Home
    Your Existing Loan Portfolio: Does It Comply With The New Flood Insurance Requirements?


    FFIEC
    International Wires - Checking 311 Entities
    FFIEC Guidance of Online Banking Environments
    How to Implement Risk-Based OFAC Monitoring Practices
    Secondary Market Loans
    BSA/AML Risk Assessment
    Proof of BSA/AML and Compliance Training
    Update Original Reports & Use the Same Appraiser?
    Drive-by Appraisal
    Acquisition & Merger - HMDA Reporting Requirements
    Issuing an RFP for Risk Assessment Services
    Opting Out of Multi-factor Authentication
    Shady Auto Loan Customer
    FFIEC Telephone Banking Compliance
    Technology Related Record Retention
    HMDA - Classify Loan as 1-4 or Mobile home?
    HMDA Reporting Issues on Temporary Financings
    New Customer ID Verification Procedures
    Must We Use the FEMA SFHDF Document?
    Guidance on Outsourcing Technology Services
    Term Used for HMDA Rate Spread Calculation
    HMDA MSA Boundaries
    New Disaster Recovery Requirements
    Examination Handbook
    IT Exam Guidance - Retail Payment Systems


    Fiduciary
    Attorney/Fact Sign Signature Card to Act on Acct?
    Conservator Sign Doc on Behalf of Protected Person
    Conservator Transfer Funds From Joint Account
    Conservator Makes Transfers to Personal Account
    Cashing a Check Payable to a Trustee
    POA Makes Withdrawals from PUTMA Account
    Expanded Response: Using UTMA Account as Collateral
    POA Deposits Check into His Checking Account
    Using an UTMA Account as Collateral
    Holding Funds on an IOLTA Account
    SS Representative Payee Change
    Fiduciary Accounts & Bank Services - Liability?
    POA adding Authorized Signer
    Trust Check Deposited into Personal Account
    Custodian Withdrawing Funds from UTMA
    Guardian & Joint Owner?
    Sheriff's Department/Inmate NOW Account
    IRA Exemptions & Reg R Guidelines
    Adding a Signer to an Estate Account
    Trustee Depositing Check into Personal Account
    Professional Association - NOW Account Eligibility
    Powers of Newly Appointed POA
    Issuing a Personal Representative a Debit Card
    Deposit of Check Payable to Individual & Estate
    Custodial Check
    UTMA & Minor Saving Accounts
    Fiduciary Accounts - Ownership & Disclosures
    Fiduciary Adding a Signer to an Account
    US Treasury Check Endorsement Issue
    Possible Bank Merger - BOD's Fiduciary Duty
    Deposit Check Payable to Trust in Personal Account
    Fiduciary Accounts (PDF)
    Definition of Fiduciary


    Finance Charge
    Recording Fee Charge For Subordination Agreement
    Is "Underwriting Fee" An Origination Fee On GFE?
    Closing Agents Fee Disclosed As Prepaid Finance?
    Include Construction Fee In The APR?
    Payment Options for APR WIN Violation
    Sellers Prepaid Finance Charges for APR on TIL
    Include VSI Insurance for Auto in APR Calculation?
    Pre-Paid Interest from Secondary Market on APR?
    Include Construction Fee In APR At Closing?
    Definition of Prepaid Finance Charges
    USDA Rural Development Annual Guarantee Fee
    Closing Fee Disclosed as Prepaid Finance Charge?
    Paying Closing Out of Pocket-Disclose on TIL?
    Charging Fees in Finance Charge-Real Estate Loan
    Are Credit Report Fees Considered Prepaid on RE?
    Credit Report Fees Considered Prepaid Fees?
    Exclude Organization Fee from Finance Charge TILA
    Reg Z Rule on Refunding Part of Finance Charge
    Negative Finance Charge and Calculating APR
    Finance Charge Added to Auto w/o Notification
    Review Fee for Mortgage Loan- Finance Charge?
    Procedure for Reimbursing Interest Charges
    Credit Report Fee on Non-Real Estate Loans
    Credit Report Fee Considered Finance Charge?
    "Amount Financed" for Personal Consumer Loan
    How Many Months of Premium (Finance Charge)
    Upcharging on Courier Fee
    Put Lender Credit in APR?
    Credit Report Fee a Finance Charge?
    Backing out Prepaid Finance Charges
    About Loan Fees
    RESPA Changes - Does the YSP Affect the APR?
    List of Prepaid Finance Charge Fees on the TIL
    Documentation Fee
    Flood - Life of Loan Determination
    Closing Protection Letter – Finance Charge?
    Mortgage Loans Fees & the APR
    APR - Prepaid Finance Charges & Closing Costs
    Closing Fee a Pre-paid Finance Charge?
    Reg Z - Inspection Fees in the Finance Charges
    Appraisal Review Fee
    Underwriting Fee Charge
    Advertising - Loan Amount & Calculating APRs
    Seller Paying Fees Due at Closing
    Tolerance for an Understated APR Violation
    Full Amount of Fee as Prepaid Finance Charge
    Newspaper Loan Closing Coupon - APR & Disclosures
    A Few Dollars More?
    Rate Lock
    Accrue Finance Charges During Rescission Period
    Vehicle Lien Filing Fee
    HOEPA Worksheet Query
    Reg Z and Filing Fees
    Reissuing Right of Rescission Notices
    FASB Documentation Fee Disclosure
    Where in the Reg?
    Underdisclosed TIL
    Correcting a Closing Fee Error
    Underdisclosed APR
    Agents Pay Portion of Comm to Real Estate Agencies
    Construction Loan Survey Fee
    Calculate the Survey Fee as an APR Fee?
    Document Preparation Fee Disclosure
    HELOC TIL Reimbursable Violation?
    Loan Extension - New TIL Disclosures Required?
    Is this Transaction Fee a Finance Charge?
    Digital Storage Fee a Finance Charge Fee?
    Overstating the Amount Financed
    Paid Outside of Closing Fees
    Are These Fees Considered Finance Charges?
    Do We Need to Re-disclose?
    Charging an Administrative Fee on a Consumer Loan
    Negative Discount Points
    Puzzled by the OCC's Handy Chart
    Definition of Prepaid Finance Charge
    Finance Charge (PDF)
    HUD-1s and Fees
    Investor Asking Us To Refund to Borrower
    Understated Finance Charge and APR - Now What?
    True or False - Reg Z
    Is the Courier Fee Part of the Finance Charge?
    Mortgage Disclosures Requiring Signatures
    Underwriting Fee Included As a Finance Charge
    Regulation Z: Checking APRs
    When Is This Fee A Finance Charge
    Is NSF Fee for Paid Items a Finance Charge?
    What Fees Should Be Disclosed as PFC's?
    Is this Fee Splitting or an Acceptable practice?
    Fee for Desktop Underwriter
    Document Review Fee a Finance Charge?
    Inspection Fee a Prepaid FC?
    Is This Fee a Finance Charge?
    PMI at Closing -- Prepaid FC?
    Fees in Finance Charge
    Is It a Finance Charge When Paid by the Seller?
    What Fees are Marked as Prepaid?
    Passing on fees for automated underwriting system
    Are Inspection Fees Finance Charges
    Pre-Paid Finance Charge
    APR and Finance Charge Tolerance
    Balancing Fees Between TIL and HUD-1 Disclosures
    TILA Reimbursement Tolerance
    List of Finance Charges
    Items on a GFE That Are Prepaid Finance Charges
    UCC Recording Fee Treatment Under Reg Z
    When Insurance Is Not Offered
    Fee for Verifying Tax Records
    Calculating APR and Payment Stream
    APR Affected by Escrow Fee?
    APR Accuracy
    Finance Charges & Construction Loan Inspection Fees
    Decimal Positions Required Finance Charge
    Disclosing life of loan determination fees on TIL disclosures
    Settlement Fees - Attorney vs. Settlement Company
    Is a tax monitoring fee a pre-paid finance charge?
    Calculation of APRs on ARMs
    Reg Z: Possible "Finance Charge" Violation
    Car Dealers, Fees, and Disclosures
    Calculating APR On Loan Renewal
    Promotional Rates, Insurance Premiums, and Finance Charges
    Should credit insurance premiums be part of the finance charge?
    Rate Buydown Fees, Prepaid Finance Charges, and APR
    Prepaid Finance Charge Fee Checklist
    Finance Charge Determination Software
    Overstated Finance Charges and APR: Do I have a problem?
    Construction Inspection Fee: Finance Charge or Prepaid Finance Charge
    Guaranteed Mortgage Rates & Fees
    Brannam v. Huntington Mortgage Company


    Financial Modernization
    Electronic Processing: Closer Than Ever!
    New Accounts Using New Methods
    Banking As We Knew It Passes On
    Check Processing To Change Fed Looking At Modernization


    Financial Privacy
    Customer Calling Programs and Privacy Violations
    Documents Needed for IRS Summons of Records
    Privacy Policy Revision - Effective Date
    Final Model Privacy Notice Form
    IRS Financial Records Summons
    State Agency Investigation – RFPA Applicable?
    Financial Privacy & Check Cashing Services
    Customer Financial Info - Policy & Procedures
    Certificate of Compliance Guidance Needed
    Non-customer IRS Summons
    Decedent’s Right to Financial Privacy?
    RFPA - IRS Requesting Info on Loan Customer
    Verification of Direct Deposit by Government Agency
    Check Verification & the Privacy Act
    What is Considered a Government Agency Under RFPA?
    Privacy Issue When Paying Off a Spouse's Loan
    Fraud Cases -- Providing Records to Police
    CTR: Aggregating the Deposits from Two Businesses
    RFPA and Subpoenas
    Service of Tax Levy or Garnishment Papers
    HUD 1/1A and Privacy
    Disclosure of Confidential Customer Information
    Federal Subpoena for Business Customer Records
    IRS Information Requests & Privacy
    Bank Trapped in RFPA Violation Through Army Subpoena
    Auditing Financial Privacy


    Financial Reform
    Non-Discrimination Regulation 528.2a
    Effective Date for New UDAAP Requirements
    Guidance on ECOA Section 704B
    Dodd-Frank Mortgage Reform Act
    $100 Availability and Reg CC
    Interest on a Commercial Deposit

    Reg D Change for NOW Account

    Allowing Interest on Business Checking Accounts


    FinCEN
    Testing Cash for Drug Residue-SAR
    Information on How to Fill Out New CTR Form
    Instructions on Completing New CTR Electronically
    BSA Reporting of Foreign ATM Deposits
    CTR Exemption for a Church
    FinCEN CIP ACP Ruling
    Non-customer Check Cashing & 314(a) Searches
    SAR Categories
    CTR Exemption Revoked – Report to FINCEN?
    Valid ID for CTR
    File a SAR?
    New CTR Exemptions?
    FINCEN Brochure on Structuring
    BSA/AML Violations - Penalties/Prison Terms
    CTR - Separate Deposits in Same Owner LLCs
    Seasonal Exemption
    Privately Owned ATM an MSB?
    Car Dealerships - CIP & Due Diligence
    BSA Recordkeeping - Same Day Transactions Only?
    Are Tax Preparers Considered MSBs?
    Unknown Depositor - CTR Filing
    Not Renewing Exemption - FinCEN Notification
    Government Lists for 314a Search Requirements
    POA CIP Requirements
    New SAR Form Still on Hold?
    Aggregate the Transactions & File a CTR?
    CTR - Employees Cashing Payroll Checks
    Lost CTR
    SAR Form Deadline
    Is a Bank an MSB?
    Bank MSB Registration
    CTR Completion Guidance
    New SAR Form
    CTR - DBA Account
    Monetary Instrument Sales Form and Log
    New SAR Form Announced
    Monitoring & Filing Supplemental SARS
    FINCEN Form 104
    An Individual Customer Registered as an MSB
    The Whats & Hows of MSBs
    Co-mingled Funds
    Required Law Enforcement ID for an MIL
    Exempt Customers of Acquired Bank
    Exemption Revoked?
    Rule/Reg Regarding 90 Day Review on Submitted SARs
    This SAR Has Been Sanitized.........
    Licensure Verification for a NBFI/MSB
    SAR Confidentiality
    FinCEN's SAR Hotline
    Must MSB Re-apply to FinCEN?
    SAR Filing
    Learn How to Write Reasonable Explanations
    Filling Out A CTR
    Safe SARs
    CTR - BHC Tracking Deposits Across Bank Lines
    CTRs: Collecting Information Without the Customer
    Counterfeit Checks & SARs
    Travel Rule
    Guru Says "Annual Reviews Required", Is this True?
    Cashing Checks for a Fee, Register as an MSB?
    Is a Casino Owned by Indian Tribe Exempt?
    314(a) Record Retention
    Entering the U.S. With Registered Securities
    Writing to Your Unregistered MSBs
    Dealing With Fraudulent ID Documents
    Fraud Cases -- Providing Records to Police
    Current Federal Forms
    FinCEN Taps Bank for Penalty
    Dropping a Customer from Exempt List
    BSA Training Is For Everyone!
    Using Certified Mail for Filing CTRs
    AML Requirements Upon Identifying an MSB
    Accepting Accounts and Relationships
    $3,000 Cash Sales Record Requirement Clarified: Cash Deposit / Debit Now Must Be Recorded
    SAR Reporting and Due Diligence
    New CTR Form
    SAR Confidentiality
    Special Terrorism Reporting Number
    Check Cashiers CIP Requirements
    Back-filing CTR Instructions
    OTB Exemption for CTR Reporting
    CIP on a Recurring But Closed Customer

    Suspected terrorist: Beyond SAR, what steps to take?
    Still Some 314(a) Problems
    Public Schools and CTR Exemptions
    Format for CTR Form Submissions
    Deposit to Joint Account Triggering CTR
    FinCEN Guidance on SAR Filings
    Destroying 314(a) Search Requests
    FinCEN Advisories and OFAC Sanctioned Countries
    FinCEN Expands E-Filing System: BSA Reports Can Now Be Filed Over Secure Internet
    Automating The Case Management Process
    314(a) Search Request Questions
    Important Exception to BSA Rule Extended
    Money-Laundering or Terrorism: What Are We Looking For?
    New SAR Form and Software
    Using a Facsimile SAR
    FinCEN, the information sharing certificate, and program elements
    How to file new SAR electronically?
    Travel Rule - Complete Beneficiaries' Addresses
    FinCEN Sheds Light on Exemptions


    Finder Rule
    Did You Know About the Finder Rule?


    Fingerprinting/Fingerprint Technology
    Filing By Touch
    Is it Legal to Require a Thumb Print?
    What is the Best Finger to Fingerprint
    Identification & Access: Security Still of Primary Concern
    A Different Kind of "Fingerprint"
    Fingerprint Checks on New Hires
    Fraud Tools From Abroad
    ABA Offers Electronic Fingerprint Checks
    Question & Answer
    "Touch Here, Please"
    IN THE NEWS - FBI Certified


    FIRREA
    FIRREA Rules for LTVs on Commercial Real Estate
    Update Original Reports & Use the Same Appraiser?
    Financial Institution Regulation Defined
    Reg Y - Foregoing the FIRREA Appraisal
    Review Appraisal - FIRREA Violation?
    FIRREA Business Loan Exemption
    $50,000 Too Low


    Flood
    Proof of Payment & Flood Policy Declarations Page
    Flood Insurance Required If Building Is In SFHA?
    Flood Determination for 2 parcels But 1 Address
    Calculating Flood Coverage if Multiple Collateral
    Audit Program/Procedures for Determining Flood 
    New Flood Determination if Renewal/Increase/CIT?
    Can Tenant Carry Flood Insurance on Rental Prop?
    Lien for Piece of Equipment In Leased Flood Area
    Include Flood Insurance In Points/Fees Calculation
    Timing of Mailing Initial Flood Pre Completion
    Notification Required if Re-Map Flood Insurance?
    National Flood Insurance Program Compliance Change
    Maximum Deductible for Flood Insurance
    Fee For Force-Placed Flood Insurance
    Required # of Days for Flood Determination
    Flood Act 45 Days Notice for Expired Insurance
    Recalculate Flood Coverage When In Force Place?
    Flood Insurance for Condo Under FNMA PERS Approval
    FDIC Special Situation Clause Multiple Structures
    Elevation Certificate for Flood Purposes
    How to Determine Flood Zone A or B
    Require Mobile Home to Have Flood Insurance?
    Flood Insurance on RE w/Bank Loss-Payee
    FEMA Forced-Placed Policy for Lender Purchase
    Using Cost Value from Appraisal to Determine Flood
    Reusing Flood Determinations How Much Flood Insurance for Warehouse (Repair)
    Renew Real Estate Loan w/ Force-Place Flood?
    Flood Insurance Required on Recovery Account?
    How to Divide Flood Insurance for Guest House
    Escrow Flood Insurance if Mortgage on Prop in Zone
    Reg on Flood Certificates for Prop Not Collateral?
    New Flood Insurance Prior To Closing (Renew)
    FI Before After Settlement & Before 3Day Rescission
    Does Rate Change Require New Flood Determination?
    Flood Insurance Violation if Didn't Originate Loan
    Flood Insurance Required on Portable Storage?
    Notice for Commercial Prop Not In A Flood Area
    New Standard Flood Determination Form
    Requirement to Purchase Flood from NFIP
    How Many Days to Close for New Flood Determination
    Flood Determination if Property Already Insured?
    Both Applicants on Joint Sign Flood Disclosure?
    Both Applicants on Joint Sign Flood Disclosure?
    Flood Determination for Property w/o Building
    New Standard Flood Determination
    How to Determine Amount of Flood Insurance
    Definition of Permanent Foundation
    Example of Notice of Lapsed Flood Insurance
    Flood Insurance on Detached Structures
    Notice to Borrower Date
    Determining Amount of Flood Insurance FEMA
    Flood Policy Required-Abundance of Caution Lien?
    Sufficient to have Flood App & Evidence at Close?
    Force Placed Flood- Accrue Interest on Premium?
    Flood Disaster Protection Act and Modified Loans
    Rule on Dropping Flood Insurance Coverage
    Flood Determination-Two Conflicting Zones
    Private Flood Insurance Policy or NFIP Policy?
    Escrow for Properties Taken Abundance of Caution
    Calendar or Business Days for 45 Day Notice Flood?
    How to Calculate the Flood Insurance on Condos
    Time to Close Once Flood Determination is Received
    Certificate/Binder if Borrower has Private Flood?
    Calendar or Business Days for 45 Day Notice Flood?
    When to Force Place Flood Insurance (45 Day Rule)
    Methods for Determining Insurable Value (Forced)
    Customer Who Refuses Flood Insurance (Home Equity)
    Flood Notice for Extension Regardless Maturity?
    Flood Insurance for Dual Collateral Loan
    How to Report Construction to Permanent Loan
    Insurance Agent for Force Place Flood Insurance
    Flood Determinations for County w/ New Map
    Requirement for Flood Policy Coverage on Property
    Flood Insurance on Home Sold "Contract for Deed"
    Do Workout Loans Require Flood Determination?
    Protecting Collateral- Hazard and Flood Policy
    Days Before Closing to Pull Flood Determination
    Flood Zone A8 or B for Property Loan?
    Flood Determination on Agricultural Real Estate
    Customer who Refuses to Purchase Flood Insurance
    Flood Certificate for Second Loan on Property
    Flood Determinations on Mobile Homes
    Flood Determination on House and Barn
    Changing from Flood Zone AE to Zone X
    Upcharging for Flood Certs and Credit Reports
    Flood policy, but no lien
    Flood Notice Requirement
    Life of Loan Flood Determinations
    Flood Certifications For Adjoining Land
    Land in Flood Zone as Collateral?
    Loan for Land, then House was Built
    Calculating Adequate Flood Insurance
    Flood Insurance Compliance
    Time to Provide Flood Insurance
    Flood Determination for Wrong Address!
    Flood Insurance Required
    Can Borrower Revoke Bank's Obligation?
    Flood Insurance Problem
    Flood Determination for Lot Loan
    Force Placing Flood Insurance
    Should General Property Insurance include Flood Insurance
    Flood Certificates for Lot Loans
    Transaction Relative to Loans 'Not New'
    Flood
    Loan Taking Land As Collateral But Not Mobile Home
    Flood Determination for 2 parcels But 1 Address
    Flood Insurance Required If Building Is In SFHA?
    Life of Loan Monitoring & New Determination
    New Determination Required if Increase Principal?
    Flood Insurance Required if Less Than $5,000?
    Lack of A Flood Zone Risk Designation
    Using Existing Flood Determinations for New Loan
    Flood Insurance for Contents Required by FEMA?
    Force-placing Insurance
    Changes to Flood Determination
    Flood Certificate Required for Value-less Property
    Flood Insurance for Pole Barn
    Flood Insurance on Loan Modifications
    Who Gets Flood Insurance Refund?
    Cross-collateralized LOC Loan
    Collateral in Flood Zone, Buildings Uninhabitable
    Is Flood Insurance Needed on Secured Property?
    Is a Flood Determination Required?
    Forced-placed Flood Insurance on Equity Loan
    Flood Zone - Recalculate Existing Loans?
    Modification in a SFHA Under HAMP - New Notice?
    Not in a Flood Area - Sign Flood Determination?
    Flood Determination Life of Loan Fee Disclosure
    Multiple Flood Determination Forms?
    Loan Placed in Flood Zone - Required Notices?
    Must Borrower Sign Notice to Home Loan Applicant?
    New Form, New Flood Determination?
    Loan Docs Borrower Must Sign
    Flood Q & A Follow Up - Citation Needed
    Flood Insurance - Monitor the Raw Land?
    Flood Insurance – Increase Coverage?
    Referring Loan Customers to Insurance Agency
    Force Place Flood – Adding New Collateral
    Flood Insurance - Wait Until a Triggering Event?
    Flood - Life of Loan Determination
    Both Borrowers Sign Flood Zone Acknowledgement? Flood Coverage on Non-residential Properties
    Flood Insurance Renewal
    Timeframe to Provide Flood Insurance – Follow Up
    Maximum Amount of Flood Insurance
    Flood Zone Lending
    Force Place for Flood Zone Discrepancies?
    Adequate Flood Zone Coverage
    RESPA - Voluntary Escrow
    Force Place Flood Insurance – Verbal Notification
    Credit Report & Flood Determination Fees
    Timeframe to Provide Flood Insurance
    Force Placing Flood on Lapsed Policy
    Flood Insurance - RV/Boat Storage Covers
    A Couple of Flood Insurance Q & As
    Flood Insurance Coverage – Are We Underinsured?
    Blanket Insurance Policy
    Flood Insurance on Bank Owned Foreclosed Property
    Property Was Not in Flood Zone - New Flood Certification?
    Proof of Insurance Fee
    Retroactive Flood Penalties?
    Flood Insurance & Pole Barns
    Mobile Home - Private Flood Insurance Required?
    Updating Flood Insurance
    Flood Map Revision
    Flood Insurance & Mobile Homes
    Flood Map Revision
    Condo Flood Coverage
    Home Mortgage Refinance - Flood Search Required?
    Flood – Loan Secured by Leasehold Mortgage
    Flood – 45 Day Notification/Waiting Period
    Flood Certification Frustration
    Flood Determination Request
    Do a Flood Determination for Each Property?
    Flood Hazard Determination - Commercial Property
    No Flood Notice Given - Force Place Flood?
    Mobile Home as Collateral – Do a Flood Search?
    Force Placed Flood – Notification
    Flood Certificate – One Time or Life of Loan?
    DIC Insurance Policy In Lieu of NFIP Policy?
    Flood Insurance – Bank Owned Collateral Property
    Purchase Force Place Flood Insurance on Day 46?
    Flood - Life of Loan Certification Coverage
    Flood Determination Date & ROR
    Mandatory Flood Coverage on All Buildings?
    Flood Insurance Rules & Commercial Condos
    Obtain New Flood Determination at Extension?
    Flood Insurance - Additional Premium Owed
    Please Define RCBAP
    Property Deemed to be in the SFHA
    My Home Is & Isn't in a Flood Zone
    Flood Zone Change & the Grandfathering Rule
    "Hurricane Ike" - Flooded Vault Planning is the Key!
    Full Amount of Fee as Prepaid Finance Charge
    Determining the Flood Premium & Disclosing on GFE
    Flood Zone - Must Determination & Policy Match?
    HELOC Documents
    Calculating Flood Insurance
    Mobile Home Flood Insurance - Guru Q & A Follow Up
    Flood Certification
    Flood Insurance - Conflicting Zones
    Flood Insurance - Uninsurable House
    Examiner Verification of RCV on Comm Property
    Calculating Condo Hazard Insurance Coverage
    Flood Force Placement Notification Letter
    Determining Amount of Flood Insurance Required
    Dispute Over Flood Zone Location
    Dating Flood Research Data
    Flood Compliance & Master Certifications
    Flood Insurance Coverage Conundrum
    Mandatory Purchase of Flood Insurance
    Business Loan Disclosures
    Flood Insurance Coverage on Townhouses
    Mortgage Change in Terms - New Disclosures Needed?
    FDIC Flood Audit - Pulling the Flood Cert
    Flood Insurance Coverage - No Appraisal
    Flood Insurance - Extreme Home Break-over
    Flood Zone Re-mapping Notices
    Oops! We May Have Flood Penalty Disaster
    Flood Letter Not Furnished
    Determining Builder's Risk Coverage
    Flood- Force Place Per Customer's Request?
    Condo Flood Insurance Disclosures
    Flood Clarification Needed
    Force Placed Insurance - Amount of Coverage
    When the Zone Differs
    Loan Renewal - Flood Certification Notice
    Timeframe for Pulling Flood Determinations
    Is a Flood Letter Sent to the Borrower Sufficient?
    Determining Flood Insurance on Condos/Townhomes
    Commercial Loans - Required Disclosures
    Business Purpose Loan Disclosures
    Flood Insurance - 45 Days Notice to Borrower
    Flood Zone & Insurance Policy Conflict
    Flood Coverage - Loan Secured by Rent Houses
    Flood Insurance Shortfall
    Flood Coverage on Office Building
    Flood Insurance Application - Loan Closing
    Obtaining Additional Flood Insurance
    Does this Cancel the Flood Violation?
    HELOC Extends Past 7 Years - New Flood Required?
    Flood Determination/Notices
    Multiple Loans, Deeds & Flood Certs
    Flood Coverage on New Condo Project
    Flood Insurance on a Single Unit of a Rackaminium
    Commercial Level Flood Insurance Amounts
    Is This Loan Subject to the Regs?
    New Flood Certificate for Purchased Participation Loans
    Two Flood Certifications/Determinations Needed?
    Flood Determination Needed?
    Flood Certification Fee Split
    Loan not In SFHA - Monitor Flood-mapping Change?
    Signing a New SFHD Form for Remapped Property
    Flood Insurance Condo Coverage
    Flood Insurance Liability
    HELOCs & Fixed HEs - Flood Insurance Tracking
    Obtain & Retain Borrower's Signature on SFHD
    Waive the Flood Insurance?
    Flood Zone - Assignment of Leases & Rents Only
    Timing of Force Place Flood Insurance Notification
    Flood Certificates for Subdivision
    Mobile Home Owners Insurance In Lieu of NFIP/ WYO?
    One or Two Flood Determinations?
    Appraisal & Flood on a Residential Lot
    Flood Insurance - 30 Day Waiting Period
    Flood Certificates
    Dispute of Flood Zone
    Flood Insurance Coverage on Construction Loans
    Fee Limitations on Force-Placed Flood Insurance
    Flood Search
    Flood Hazard - 10 Day Waiting Period
    Force-placed Flood Insurance Notice Cycles
    Katrina's Devastation Leads to Loan Denial
    When is Proof of Flood Insurance Required?
    Fee Limitations on Forced Placed Flood Insurance
    Flood Insurance Catch 22
    New Flood Hazard Determination Form
    Flood Insurance on Shed and Irrigation Pump?
    New Truth in Lendingon Modification of Existing Loan
    Flood Premium Added to Loan - Revised TIL?
    Two Part Flood Question
    Separate Flood Insurance on Individual's Condo
    Flood Determination on Lease of Airplane Hangers
    Flood Determination on Lease of Airplane Hangers
    How Soon Must Flood Determination Be Pulled?
    Flood Insurance as it Pertains to Reg Z
    Flood Requirements (PDF)
    "Hurricane Katrina" - Flooded Vault Planning is the Key!
    Why "Replacement Value" Flood Coverage?
    Flood Requirement with Mixed Collateral
    What regs apply to this case?
    Flood Insurance Coverage
    Storage Buildings in Flood Hazard Area
    Flood Insurance
    Why Is A New Flood Determination Needed
    Disclosing the Flood Certification Fees
    Flood Insurance
    Payment Deferred - Forced Placed Flood Insurance
    Disclosing Mortgage Spreader Clauses
    Abundance of Caution Collateral & Flood Insurance
    Flood Zones, But Coverage Is Not Available
    Does Flood Apply Under Abundance of Caution?
    Do We Need to Give Another Flood Notice?
    Determining the hazard insurance requirement
    Flood Checks on Every Mortgage Loan?
    Must We Recertify Flood Status Every Seven Years?
    Payment Deferrals on a Mortgage Loan
    Flood Compliance Tip
    Fee for Force-Placed Flood Coverage
    If a Condo Association Decides Not to Rebuild ....
    Common Flood Violation
    Reusing a flood determination
    Guru Compilation: Flood (PDF)
    If the bank pays the fees, are they still finance charges?
    Flood Notice Disclosure
    Flood Determination, New Loan - Existing Mortgage
    FEMA makes flood hazard tutorials available online
    On mobile homes and flood insurance
    Flood Cert. on a Mobile Home
    GLBA agreement with third parties
    Putting Bank's Charter Number on Flood Form
    MPPP on a Non-Residential Condominium
    Your Existing Loan Portfolio: Does It Comply With The New Flood Insurance Requirements?
    Signature for Flood Hazard Purposes
    Flood Determination on Mobile Home
    Signature for Flood Hazard Purposes
    Timing for Flood Force Placement
    Impact of an Elevation Certificate
    Writing Date on Flood Notice to Borrower
    Maximum Coverage Under NFIP
    Renewing loans, property improvements, and flood
    Advance Notice of Hazard Insurance Force Placement
    Additional Flood Insurance for Line of Credit
    Disclosures on HELOC to Purchase Home
    Papering Renewals and Extension
    Lot in Flood Zone; Building Not
    Force Placed Insurance Notices
    Loan Participation & Flood Requirements
    Bridge Loan Disclosures
    Flood Insurance for Condos
    Loan Participation & Flood Requirements
    Flood Determination on Mobile Home Lot
    Flood Compliance Policy Guidance
    Are disclosures necessary for a $1MM consumer loan?
    Special Financing for Flood Victims
    Is participant required to get a flood certificate
    Fees For In-House Flood Determination
    Calculating Flood Insurance
    Credit Reports, Flood Determination, & HUD-1 Charges
    Issuing Flood Insurance Prior To Construction
    One Property, Two Loans: Two Flood Determinations?
    Flood Insurance Needed?
    Flood documentation
    New loan numbers for customers who reapply
    Calculation of NFIP Insurance Benefits
    Condo loans & flood insurance
    Flood Certifications & Balloon Loans
    Flood Insurance Waiver
    Civil Money Penalties?
    Flood Insurance Cheat Sheet
    Flood Penalties Watch
    When disaster strikes
    What are Life of the Loan requirements for flood insurance?
    Flood, Farms, and Financing
    Flood Insurance Requirements For Unoccupied Dwellings or Mobile Homes
    Does a mobile home (not owned by the customer) require flood insurance or notification?
    Calculating Flood Insurance
    Loan Denial & Flood Zone Issues
    Online Vendors For Flood Determination
    Flood Determination & Balloon Mortgages
    Flood Insurance Quiz
    Calculating Flood Insurance For A Condominium
    Determining Flood Status in a Nonparticipating Community
    Who Gets a Flood Notice?
    Is flood insurance required if the bank holds the deed?
    Flood Insurance Cheat Sheet
    Conflicting Flood Determinations
    Three Properties/One Loan: How much flood insurance if only one is in a flood plain?
    Lending Disclosures at a Glance
    Flood Certifications and Loan Assumptions
    Flood: The customer cancelled the insurance. Now what?
    Exactly when is written evidence of flood insurance coverage required on a construction loan?
    Flood Determination For Property Improvements
    Using Recent Flood Determinations From Another Lender
    Flood Insurance: What if none is available?
    Flood Insurance For Condos
    Flood Insurance: What if only part of the property is in the flood area?
    FDIC Issues Flood Requirements Summary
    Stay Abreast of Flood Map Changes
    New Standard Flood Hazard Determination Form?
    What is the definition of "closing" under Flood?
    Flood Determination & Loan Renewals
    Avoiding The Flood Insurance Requirement
    Flood Insurance Requirements
    Disaster Relief vs. Flood Insurance
    Required Flood Insurance
    Flood Wallpaper
    Skipping Determination in the Flood Hazard Determination Form
    The examiners will have flood data on your loans. Be prepared.
    Flood Compliance and CMPs
    Audit Tip on Flood
    Flood Determination & Mobile Homes
    The examiners will have flood data on your loans.
    Flood Jumble
    Can you Rely On a Prior Flood Determination?
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Flood: New Communities
    COMPLIANCE NOTES - Final FEMA Form - Again
    COMPLIANCE NOTES - Flood Insurance Is Serious Business
    What's Ahead In Compliance Flood Insurance
    COMPLIANCE NOTES - FEMA's New Zone
    Question & Answer
    Question & Answer
    COMPLIANCE NOTES - Flood Compliance in the Commercial Portfolio
    COMPLIANCE NOTES - Getting the Right Flood Maps
    Question & Answer
    A Torrent Of Flood Guidance
    Question & Answer
    COMPLIANCE NOTES - Flood Coverage Overflows RESPA
    Your Existing Loan Portfolio: Does It Comply With The New Flood Insurance Requirements?
    Flood Insurance Regulations Proposed
    Flood Facts
    Flood Insurance: Mysteries of the 30 Day Rule
    Flood: How Much Will You Guarantee?
    Flood Regs Come In Waves
    Question & Answer
    Question & Answer
    COMPLIANCE NOTES - Justifying the Cost of Compliance


    FMLA
    Employee's Deceit Voids FMLA Protection


    Foreign Customer
    Expired W8
    Opening an Account for a Foreign Firm
    Non-resident Alien Account
    Completing a W-8BEN Form
    Setting Up an Account for a Canadian Resident

    Foreign Remittance Transfer
    Reg E Remittance Transfer Rule for Canadian Client

    Forged Endorsements
    Bank Liability Forged Check
    Bank Liability for Counterfeit/Forged Checks
    Guidelines for Hold Harmless
    Dealing with Forged Endorsement Claims
    Statute of Limitation for Submitting Forgery Claim
    Forged Endorsement Claim Time Limit
    Stolen Checks Deposited in ATM: Liability?
    UCC Provision for Refusing Collection Letter
    Multiple Payees and Forgery: Bank's Liability?
    PEG Stamp & Forged Endorsements
    Stolen Cashier's Check
    Forged Endorsement – Course of Action?
    Forged Endorsement – Recovering the Loss
    Timeframe for Collecting on a Forged Endorsement
    Check Fraud Reporting Time Frame
    Signing Over a Government Check
    3rd Party Check – Endorsement Verification
    Forged Check Return Rule
    3 year Statute of Limitations - Beginning Date
    Reimbursing the Paying Bank for Forged Item
    Time Limitation on Forged Maker/Forged Endorsement
    Is This Out of the Time Frame?
    Time limit to claim on missing endorsement?
    Bank's Liability for Forged Checks
    Can Bank Return Counterfeit Money Orders?
    Someone "Stole" the Funds on this Cashier's Check
    Joint Payees & Forged Endorsements
    Statute of Limitations for Forged Endorsements
    Obtaining Information on Check Fraud Claim
    Stop Checking Endorsements?
    Revocation of Consent to Endorse Checks
    Forged Endorsement: Deposit Into Joint Account
    Stolen Check & Forged Endorsement
    Forged Endorsement: Deposit Of Two-Party Checks Into Law Firm Account
    Forgery Claim: Do we pay?
    Forged Endorsement & Section 3-405
    Forgery: Check image vs. original
    Forged Endorsement Of A Cashier's Check: Who's responsible?
    Must the original check be provided to collect on a forged endorsement claim?
    Forged Drawee Signature: Are we responsible?
    Forged Endorsements & Counterfeit Checks
    Timely Claim For Forged Endorsement
    Question & Answer


    Forgery
    Recourse- Forged Check Deposited Into Closed Acct.
    Customer Reports Fraud Checks After 6 Months
    Returning Forged Endorsement Check After Midnight
    Bank Responsible for Forged Checks Cashed?
    Drawee Bank Return Check for Breach of Warranty?
    Responsibility for Entry Request on A Forgery
    Drawee Bank Liability for Forged Endorsements
    Recourse for Stolen Cashed Checks-FI Return
    Unauthorized Check w/o Visible Signature
    Time Limit for Returning Forged Checks
    Forgery Claim Joint w/o Dual Signature Acct.
    Answer Late Claim-Breach Warranty/Forged Signature
    24H Deadline to Return Counterfeit/Forged Payee?
    Depositary Bank Disputed Forgery as Late Return
    Forged Endorsement Claim w/o Benefit to Spouse
    Bank Liability in Check Forgery Cash Letter
    Return Time on Counterfeit Checks over $100
    Time Frame for Returning Counterfeit/Forged Check
    Affidavit of Forgery- Credit Account Immediately?
    Time Frame/Requirements for Returning Forged Check
    Bank Liability for Stolen/Forged Check
    30 Day Rule for Forged Endorsement Affidavits
    Forgery Affidavits for Endorsement-Evidence Rule
    Time Frame for Paying Back Checks-Signature Fraud
    Forgery Affidavits for Endorsement-Evidence Rule
    Bank Liability for Forged Checks (30 Day Rule)
    Forgery if Authorized Signer Signs Other Name?
    Bank Responsibilities for Forged Checks
    Customer Unwilling to File Police Report-Checks
    Returned Check: Forgery or Unauthorized Signature?
    Forged Endorsement Claim
    When Should Bank Reimburse Funds?
    Time for Returning a Forged Check
    Check Forged: Must Bank Reimburse?
    Returning Forged Checks to Paying Bank
    Responsibility for Forged, Cashed Check
    Stolen Checks Deposited in ATM: Liability?
    Boyfriend signs Girlfriend's Checks: Forgery?
    Stolen Forged Checks - Return or Reimburse?
    Recovering Forged Funds
    Stolen & Forged Checks – Where Do We Stand?
    Spousal Signature Forgery
    Is Affidavit Sufficient Reason for Bank to Act?
    Affidavit of Forgery
    Unauthorized Item Disputed - What Do the Regs Say?
    Reviewing Forged/Fake Check Rules & Procedures
    Reg CC- Three Years to Return a Forged Item?
    Forgery & Altered Documents…Part I
    Forgery & Altered Documents…Part II
    Forgery & Altered Documents…Part III
    Forgery & Altered Documents…Part V
    Customer's Fun Leads to Forgery & Fraud
    Bank Liable on Forged Signature Claim from Jan 05
    Time Frame to File an Affidavit on Forged Items
    Forged/Altered Check Charge Back
    Forged Check Return Deadline
    Forgeries and Check 21
    Husband Forged Wife's Signature on a Joint Loan
    Forgery of an Electronically Converted Check
    Unauthorized Paper Draft/ When Do We Recredit Acct
    Late Return of Forged Item. Who Takes the Loss?
    Reimbursing the Paying Bank for Forged Item
    Handling Forged Checks on an Inactive Account
    Liability on a "Paid" Counterfeit Check
    Bouncing a Counter Check on Closed Account
    Forged facsimile signature -- who pays?
    Forged Checks & Signature Verification
    Counterfeit Checks & SARs
    Time Limit for Disputing Forged Item
    Check 21 Images and Forgery
    Validity of Check Images
    Check Fraud on Deceased Customer's Account
    Bank's Liability for Forged Checks
    Someone "Stole" the Funds on this Cashier's Check
    Dealing With Fraudulent ID Documents
    Joint Payees & Forged Endorsements
    Reimbursement of Forged Checks
    Statute of Limitations for Forged Endorsements
    Our Readers Speak: Taking Losses on Forgeries
    Deceased Payee & Forged Endorsement
    Liability for Forged Checks
    Forged for Payment of a Retainer
    Stolen checks, two banks: Who pays?
    Forgery Denied Because of Customer's Presence
    Child's Play
    SAR Filing Delay on Ongoing Investigation
    Standard of Care for Adding Joint Owner
    Forged Checks Affidavit
    Employer Left Signed Blank Checks
    Midnight Deadline and Counterfeits
    Retaining Records Regarding Forgeries
    Customer Forgery Claim
    Two Forgery Issues: Stolen Check Affidavits & Using Images Instead of Originals
    Responsibility For A Forgery: The Institution vs. The Customer
    Forgery Affidavits & Electronically Processed Checks
    Claiming Forgery on Old Checks
    Missing Checks: Who Bears Loss?
    Customer Involvement in Forgery Scam
    Stolen Check & Forged Endorsement
    Forged Endorsement: Deposit Of Two-Party Checks Into Law Firm Account
    Forged Checks, Forgery Affidavits, and the FED
    Forgery Claim: Do we pay?
    Forged Endorsement & Section 3-405
    Forgery: Check image vs. original
    Bank's Liability For Forged CTR Signatures
    Rule 9 and the Midnight Deadline
    Forged Signatures & Breach Of Warranty
    The Check Is Forged! Who's Responsible
    Forgery Claims: Time frame for re-crediting a customer
    Deadline For Returning Forged Signatures
    "... a very deceptive forgery.."
    Refusing To Open The Account
    Forgery - Who To Contact
    Affidavit of Forgery & Customer Negligence
    Teller Training: Forgeries & Counterfeit Currency
    Forgery Returns
    Reimbursement For Forgery
    Responsibility For Forged Checks
    Forged Checks & Late Returns
    Six Months to Report a Forgery
    Drawee Bank Not Required to Examine Checks for Forged Endorsements
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Take A Look At That Endorsement!


    Fraud
    Tips to Avoid Debit Card Fraud for Businesses
    Recourse- Forged Check Deposited Into Closed Acct.
    How to Get Credit Back From The Endorsing Bank
    Customer Reports Fraud Checks After 6 Months
    BOFD Reimbursing Due to Endorsement Issue
    Forged Endorsement Claim on ATM Deposit Check
    Reg CC Availability Rules for Fraud Check
    FDIC Insurance Apply to Cyber Crime Loss of Funds?
    Depositing Payroll Check for Child Support
    Statue of Limitation to Force Repayment (ACH)
    Customer Using Lottery Proceeds to Operate-Legal?
    Legal Steps for Business Remote Capture Deposit
    Time Frame for Paying Back Checks-Signature Fraud
    Fraudulent Check in Social Security Direct Deposit
    ACH Fraud Suits
    Charging Customer for Fraudulent Check
    Creating Several Documents from One Signature
    Name for Processing a "Worthless" ACH Payment
    Retaining Fraudulent Check
    Customer Negligence in Stolen Debit Cards
    Restitution for Protecting Customer from Fraud
    Bank's Right to Debit Account (Fraudulent Check)
    Different Interpretations of COT Code
    Time Period for Returning Fraudulent Check
    Debit Card Fraud and SAR Filing
    Fraudulent Wire Transfer and Funds Return
    Account Linked to Wrong ATM Card
    Fraudulent Debit Denied: Recourse?
    Verification of SSN Shows it to be Fraudulent
    Time Lines for Dealing with Fraudulent Checks
    Altered Check on Business Account
    Check Presented and Cashed Twice
    Dealing with Kiting
    Authorized Signer No More: Check Honored
    Automatic Debit Scams
    Stolen Checks Deposited in ATM: Liability?
    Fraud Photos to Customers
    Stolen Forged Checks - Return or Reimburse?
    Cashed Fraudulent Check – Who’s Responsible?
    Stop Pay on Loan Checks
    Commercial Debit Cards – Bank Liability?
    Missing Cash – Interviewing Employees
    Lost/Stolen Debit Cards – Bank’s Liability
    Bank Fraud - Recovery Vs Loss Avoidance
    Timeframe to Report Fraud
    Fraudulent Transactions – Card Owner's Liability
    Remote Check Return Rules
    Provisional Credit & the Questionable Customer
    SAR – Work at Home Scam
    Placing Longer Hold Due to Fraud
    Debit Card Fraud – Customer Liability
    What is Spear Phishing?
    Reg E, Rep Payee & the Dishonest Account Holder
    Reg E Fraud Claim Time Frame
    Customer Failed to Report Card as Lost or Stolen
    Reg E Fraud Claim Time Frame
    Dubious Fraud Claims
    Claim Withdrawn – Bank Obligated to File a SAR?
    Dealing with Credit Card Fraud - Time Frame
    Tainted Appraisal?
    FACTA Verification - Fraud Alert on Credit Bureau
    Fraudulent Statements
    Became EO After Obtaining Loan – Reg O Violation?
    Account Opened with Fraudulent Documentation
    Check Card Dispute - VISA Zero Liability Rule
    FI Won't Give Cardholder Provisional Credit
    In Need of Easy Explanation for Check Kiting
    ATM Fraud
    Unauthorized Charges - Visa Zero Liability
    Reg CC Holds & Fraudulent Accounts
    Reg E - Obligated to Pay Fraudulent Dispute Claim?
    Debit Cards, Fraud & Reg E
    Debit Card Fraud - Provisional Credit Time Frame
    Expired Debit Card - Stolen & Used
    Counterfeit Bill Procedures
    Reg E Claim Denied on Friendly Fraud?
    Check Fraud Victim - Protecting Business Name
    Addendum Conundrum
    Debit Card Fraud - Commercial Customer Recourse
    Deceased Customer -Stolen Debit Card Transactions
    Bad Key Wallets - A Key To Disaster
    HELOC Suspected of Being Used for Money Laundering
    Affidavit Required?
    Security Features on Checks
    Obligated to Inform Other Bank of Check Kiting?
    Check Fraud Reporting Time Frame
    Loan Scam
    Counterfeit Cashier's Check Recourse
    Loan Made to an Identity Thief
    Husband Forged Wife's Signature on a Joint Loan
    Bank's Right to Refuse Deposit of Fraudulent Item
    Unauthorized Paper Draft/ When Do We Recredit Acct
    Written Up - Red Flag Guidelines Not Finalized
    Fraudulent Check Card Transactions
    Cash Advance Fraud
    Car Sale Fraud, SAR Required?
    Bank Employee Embezzlement - Customer Notification
    Refusing & Returning Drafts on Savings Accounts
    Police Department Requesting Customer's Statements
    Debit Card Fraud - Refunding Customer's Money
    Visa Debit Card ATM Fraud - Reg E or Visa Rules?
    Is there a regulation regarding the camera in the ATM and how it records a transaction?
    FBI Reports Mortgage Fraud Running Rampant
    Fraudulent Items
    FDIC Insurance Scam
    Is it Legal to Require a Thumb Print?
    Helping Businesses Prevent Fraud
    FDIC Insurance Scam
    Sharing Kiting Info with the Other FI
    Are Your Internal Controls like Swiss Cheese?
    SARs. What Constitutes Suspect Identification?
    Check Fraud Prevention Tool
    Email and Internet Fraud
    More Scams using FDIC
    Fraud, FDIC and FACTA
    Customer Liability, Fraudulent Card & Card Number
    Converted ATMs
    Fighting Back With Education
    Identity Management Not Secure in Many Companies
    Training Page: Learning the Bank Numbering System
    Check 21 Images and Forgery
    One-time Use Numbers Protect Against Fraud
    Bad Check Prosecution
    Check Fraud on Deceased Customer's Account
    Coalition Will Fight Online Fraud
    'Skimming' Too Easy with New Technologies
    Reasons for Filing a SAR
    ATMs Not Too Secure
    ID Theft of Another Flavor
    Students More At Risk For ID Theft
    Recrediting account of fraud suspect
    Keeping Online Banking Safe: Why Banks Need Geolocation and Other New Techniques Right Now
    Making a Deposit "Invisible" for Benefits Payments
    Have SOX Penalties Changed?
    When the Tax Man is NOT the Tax Man
    Protecting Elderly Customers & Large Cash Withdrawals
    Reporting Fraudulent Lottery Scams
    Making a Deposit "Invisible" for Benefits Payments
    Reg E -Require a Filed Police Report from Customer
    Use of blank deposit slips in the lobby
    Negative Database Defined
    Fraud Cases -- Providing Records to Police
    New Accounts: Do you need an affidavit of sole proprietorship? Account Not Opened Due to Fraud Advisory
    Controlling ACH
    Teller Banned from Banking
    New Advance Fee Schemes Reported: Old from Nigeria - New From Afghanistan
    Forgery, Counterfeit, or Fraud?
    Double Edged Protection
    Obtaining Information on Check Fraud Claim
    Timely Fraud Claims
    FTC's Telemarketing Fraud Cases
    Marking Teller Currency "Invisibly"
    Internet Account Compromised, Who Eats the Loss?
    Training Employees To Help With Elder Fraud
    Statistics, Facts & Such
    A Different Kind of "Fingerprint"
    30 Days or 24 Hours for Discrepancy, Who Loses
    Stolen checks, two banks: Who pays?
    24/7 Fraud Check
    ATM Security Tip
    National Fraud Database Effective
    Child's Play
    Increased Sophistication of ATM Crimes
    24/7 Fraud Check
    ATM Security Tip
    Help Arrives - Just In Time: Section 326 Compliance, OFAC Check and Fraud Protection in One Pass
    National Fraud Database Effective
    Internet Clears Paths to Identity Theft
    Statistics, Facts & Such
    Information Security: Authentication In An Online Environment
    Watch Those Income Figures!
    Not a Law Firm To Use!
    First Euro Problem
    Could Someone Successfully "Phish" for Your Customers?
    Undercover Investigation Justifies Terminations
    Use of Void Pantogram
    Positive Pay & Fraud
    Internal Fraud: Working with the Thief from Within
    State Banking Associations Create Fraud Database
    Fraud Tools From Abroad
    Phishing Scams On The Rise
    Withholding Provisional Credit
    Request for Customer's Money to Uganda
    Fraud Database In The Works
    A New Degree Of Verification
    Bank's Responsibility for Fraudulent Check Deposit
    Restriction of Card Use After Fraud
    Bank Deposit Fraud Growing Rapidly
    Filing SARs for Stopped Nigerian Scam
    Fraud Gets Its Own Unit At Experion
    Stolen Check & Forged Endorsement
    Altered Check: Who Pays?
    Identity Fraud: The Need for a Common Lexicon
    Stolen Check Returned Marked "Absence of Endorsement Guaranteed": Can we recover?
    Investigating Missing Traveler's Checks
    Fraud Prevention Incentive Plan For Employees
    SAR Reports For Nigerian Email Scams
    Important Alerts
    PSSSSSST! Want To Make A Bundle?
    Who Is Liable For Altered Check?
    Counterfeit Currency Alert: Check the Watermark
    Reg E & Non-customers Reporting Lost ATM Cards
    Reducing Check Card Losses
    Credit Card Fraud - Cash Advances
    Customer Gives ATM Card and Number to Co-worker: Is the financial institution responsible?
    Uncovering Potential Fraud: How Far should your investigation go?
    Returning Fraud Checks Through Fed
    Non-customer Deposits Into Customer Accounts
    Pitfalls of Customer-Printed Checks
    Correspondence with a 419 Con Man
    Nigerian Scammer Meets Surfer Dude
    Self Defense
    "FDIC Alert Summary"
    National Fraud Database Available
    Know Your Customer -- Or Be Liable to Third Parties?
    Fraud Flavors of the Month
    Nigerian Scam Leads to Embezzlement
    Bank Fraud Gallery
    Fraud Stats and a Prevention Checkup
    Protecting Customers from Fake Cashier's Checks
    When Local Law Enforcement Wants Information
    Reducing Fraud Losses
    Financial Institution Fraud Statistics
    Check Fraud And The UCC
    Ten Flavors of Fraud
    Learning from Fraud
    Use of Thumbprint Signatures on New Accounts
    Cashier's Check Fraud: Is there a time limit for returning the cashier's check?
    1099s For Employee Thefts?
    Where do you turn for assistance with debit card fraud?
    Foil Treasury Check Fraud
    Statistics On Fraudulent Off-Line Debit Card Transactions
    Check Fraud Losses & Exception Hold Policies
    Soldiers in the War Against Fraud
    Online Banking Customers Spot Fraud Losses More Quickly
    Fraud Resources
    Focus on Fraud: Fraudulent Financial Statements
    New Technology To Combat Check Fraud
    Handling Fraudulent Accounts
    Greenspan, Tanoue Advice: Watch For Fraud
    Question & Answer
    Question & Answer
    College Students Beware!
    Fraud In The Future
    IN THE NEWS - Investment Alert
    IN THE NEWS - Social Security Tax Refund Scam
    Ounce Of Prevention
    Question & Answer
    Report Fraud Here
    Bargain Checks Gone For Awhile
    Double Your Money…Guaranteed!
    For your information…
    OCC Makes Use Of Fast Track
    Sifting Out Possible Fraud
    Think Ahead Use Technology To Combat Fraud
    Warning!
    In The News… - Lost Billions
    Where Are The Checks Being Delivered?
    Asian Check Fraud: A National Problem
    EDITORIAL - A Certain Kind Of Person…
    EDITORIAL - Check Fraud Losses
    IN THE NEWS - Cyberspace Frauds
    Problems, Problems, Problems
    Question & Answer
    Question & Answer
    Question & Answer
    SCAM ALERT: The ATM Cash Deposit Switch
    Yet Another Scam
    "Check Fraud Is The Financial Crime Of The '90s"
    EDITORIAL - Check Fraud 101
    Too Good To Be True
    Question & Answer
    Question & Answer
    COMPLIANCE NOTES - Don't Fall for "PBI"s
    EDITORIAL - "How can you people let this happen?"
    EDITORIAL - How To "Bilk The Bank"
    Incredible Possibilities
    Telemarketing Loan Scams: A National Epidemic
    Wonder If It Was A Smiley Face Sticker?
    IN THE NEWS - On The Other Hand…
    FRB / CAC


    Fraud Losses
    Payee Refuses to Provide Affidavit for Check Dispute
    Non-Customer Check Returned
    Paying/Returning Debit Card Transactions
    Three Check Card Dispute/Fraud Questions
    Game Over?
    ATM Card Loaned to a Family Member
    Stolen checks, two banks: Who pays?
    Statistics, Facts & Such
    Fraud Involving Corporate Employee
    Crooked Bookkeeper Strikes Again
    Skimming and ATM Losses
    Self Defense
    Fraud Stats and a Prevention Checkup
    EDITORIAL - "...lies, damned lies, and statistics." Computer Statistics And Losses


    FRB
    HOEPA - Consumer Price Index
    Financial Education from the FRB
    Making Regulatory Burden Worse
    Reg B Application Requirements
    Reserves on deposit with the FRB
    New Money and FRB Offices
    Are We Looking At The Right Stuff?
    Federal Reserve Bank as Bank of First Deposit
    Financial Education: Out Of The Mouth Of An FRB Governor
    Electronic Check Guide Available From FED
    What is the CAC?


    FTC
    Regulations for Online Marketing
    FACTA – Medical Collections & Credit Decision
    CD Customers Negotiating Interest Rates
    Email Marketing
    Marketing "Not FDIC Insured" Insurance Products
    Advertising Noncompliance Penalties Publications
    Disclosures for Advertising Special Rate Deals
    Using Credit Info Obtained from Portfolio Reviews
    Graduated Payment or Variable Rate Ad?
    Pre-approved Home Equity Loan Promotion
    FACTA May Cause Rise in Complaints
    FTC Releases Updated ID Theft Stats
    Fundraising Ticket Sales for Prize (In Bank)
    FACTA and Employee Misconduct Investigations
    Adverse Actions and the FTC's Address
    Do Not Call List: Summer's Hot Item!
    FTC's Telemarketing Fraud Cases
    Add "V" to Your Regulatory Alphabet
    Risks should be assessed before marketing via e-mail
    Fast Growth and Much to Lose?
    Prescreening on an Individual Basis
    FTC Enforces FDCPA
    Predatory Lending: Lessons Learned
    Unfair or Deceptive: Avoid Like the Plague
    New Fax Legislation
    FTC's Safeguard Rule
    FTC: Catching Information Brokers
    Identity Theft
    Telemarketing Sales Rule Information
    Referrals and Relationships
    CRA Help From FTC
    FTC Gets Tough on COPPA Enforcement
    FTC Issues New Standard ID Theft Affidavit
    FTC After FCRA
    FTC Shuts Down Card Protection Programs


    Funeral Accounts/Expenses
    Regs Governing IOLTAs, IRETAs & Funeral Trusts?
    Paying Funeral Expenses from Revocable Trust
    Paying Expenses from Decedents Account
    Pre-need funeral accounts
    TIN for a Burial Trust Account
    Prepaid funeral trusts and CIP
    Interest Reporting For Irrevocable Burial Accounts
    Funeral Trust Accounts
    Q & A
    Q & A
    Paying Funeral Expenses From The Deceased's Account
    Withdrawing Money For Funeral Expenses (Non-accountholder)






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