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denotes Guru Question & Answer.
Games/Quizzes
BOL's STEAL OF FORTUNE game
New $20 Quiz
Consumer Protection Insurance Quiz
Match the Reg
Reg E Timing Quiz
TILA Jumble
Article 9 Quiz
Flood Jumble
Lending Disclosure Timing Match Game
Concentration
Lending Terminology Crossword
Currency Characteristics
Know Your Money
GLB Privacy Fill-in Exercise
Face Memory Challenge
Picture Memory
SAR Find a Number
Memorable Lines Match Game
Marketing Jumble
Marketing Terminology Crossword Puzzle
Quiz on Information Security
Tech Jumble
Technology Crossword
Rank the Banks Quiz
eBanking Number
Mystery Picture
IRS Levy Quiz

Garnishment
One Owner Garnished - Garnish Joint Account?
CD Garnishment
Tax Levy or Garnishment on a IRA Account
Broad Reach of a Garnishment
Garnishment with Different Name but the Same EIN
Styling Minor Account to Protect Minor's Funds
Reg DD - Garnishment & Levy Fees 
Garnishments and Levies (PDF)
Account Protection from Subpoena and Garnishment 
Garnishment 
Service of Tax Levy or Garnishment Papers 
Authorized Signer Liability
Garnishment Doesn't Accurately Reflect Entity 
Hold Garnishment Pending Outcome of a Hearing?
Garnishment - how much to hold?
Can a trust be garnished (if the customer's SSN is used)? 
Notification Requirements: Garnishments & Excess Loan Balance

Giveaways/Gifts
Johnny Appleseed Jr. Ecology Club Program
Gifts to Employees
Accepting Gifts from Bank Customers
Illegal Third Party Inducement?
Existing Home as Collateral - Give ROR?
Gift Cards for Loans
Bonuses On an Account
Gift Cards- disclosing fees on advertising

Sporting Event Tickets - New Account Giveaway
New Branch Opening - New Car Giveaway
New Account Giveaway
Revamping Our Refer a Friend Promotion
Is a 1099 Required for Gift Cards?
Gas Certificates - Reporting
Giving Gifts to Auto Dealers for Loan Referrals
Premiums - Bonuses & Gifts 
Reporting Forms for Account Giveaways
Give Aways and Drawings

Spin the Prize Wheel
Limits on Customer Referral Programs 
RESPA & gift certificates
Regulations Regarding The Acceptance Of Gifts 
Vacation Giveaway Rules
Bank Promotional Giveaways And The "Toaster Rule"
Can You Be Bought? Should You Accept Christmas Gifts?

GLBA
Clean Desk Act
Service Provider Documentation 
Sending Financial Information Over Non-secure Line
FACTA Confusion - Sharing Information w/Affiliates 
ATM Privacy Notice
GLBA IT Compliance
Password Protected Email Sufficient Under GLBA? 
Can We Verify Whether a Check is Good? 
"Yes, That Check Will Clear," Violating the USAPA? 
Should We ID Bank in Collector's Phone Message? 
Getting Customers to Sign Night Bag Log 
Required Privacy Training 
Are your Internal Controls like Swiss Cheese? Part 13: Branch or Department Keys
Privacy Notices to Shareholders
Gramm Leach Bliley 501b
Privacy and Outsourcing Loan Reviews 
Security of Personal Customer Information 
Disclosure of Confidential Customer Information
Privacy notice with mortgage affiliate
Ensuring Compliance with Third-Party Vendors

Good Faith Estimate
Provide Another GFE?
Signing the GFE on a Refinance
CSDS Provided Prior to Closing?
Appraisal Fee Reimbursement
Application Date & RESPA Disclosures
Will Copies of the Initial Disclosures Suffice?
Saturday a Business Day for GFE/TIL Disclosures?
RESPA - Personal Residence Construction Loan
RESPA - GFE Given to All Borrowers?
Perplexed Over POC
GFE Disclosure Limits
Credit Report Fee
Treatment of Appraisal Fee on GFE and HUD-1
AFBD Required for Director?
GFE Disclosures
Disclosing Credit Report Fee
Applicant's Timeline to Sign GFE & TIL
Complying with FDIC SCANS bulletin #Chiro-04-2001
Construction Loan Disclosures
GFE Required?
Disclosing Condo Fees
Merging Required Service Providers on the Same GFE
Do I Send a GFI, and is this Temporary Financing? 
Payment of Taxes Disclosed on the GFE & HUD-1 
Charging a Fee. How Do We Update the GFE? 
Timing of the GFE
POC Costs & Property Taxes Listed on HUD-1A form 
Disclosing Referral Arrangement on the HUD-1 Form 
Change in Completing the HUD-1?
Initial Application Date for HMDA Purposes
Disclosing Providers on GFE
Customer Revised Loan Request 
RESPA and a Preferred Realtor Credit to Applicant
Co-Borrowers, GFEs, and Signing the HUD-1
Three Days Starting From When? 
RESPA GFE For Incomplete Application? 
Completing a GFE with "P.O.C"
Special Information Booklet Not Provided, Penalty?
GFE & Settlement Statement - Fixed Rate 2nd Mortgage?
POC Insurance on GFE for Home Equity Loan?
Borrower Didn't Sign or Return Early Disclosures 
Does Line X on the GFE and HUD-1 Have to Match 
When to Make Early Disclosures 
Disagreement Over Exemption from GFE Requirement 
Do borrowers need to sign the HUD-1?
No Fee, Waived Fee and RESPA GFE 
What Fees are Marked as Prepaid?
Showing/Calculating Escrows for a Good Faith 
Requirements on Short-Term Construction Loans 
Is a GFE Required if We Close Before 3 Day
Showing Waived Fees on the HUD-1 
Customer Signatures on RESPA Docs
Multiple GFEs and Customer Confusion 
Items on a GFE That Are Prepaid Finance Charges 
Failure to Disclose Odd Days Interest 
HUD-1, Disclosing Costs vs. Coverage 
Taxes and the GFE 
RESPA / Reg X: What's in the Water at HUD?
Declined Applications & RESPA Disclosures 
Disclosures: Construction & Permanent Financing
Construction Loans, Permanent Loans & HUD Disclosure 
Seller-paid Closing Costs and the GFE 
Is it necessary to have a new GFE if the amount of the loan changes before the closing of the loan? 
Must the GFE be Signed? 
If we show an item as POC on the GFE, should we also list it on the TIL? 
RESPA, Recording Fees, and the GFE 
We purchased a loan missing a GFE. Are we in trouble?

Information Errors v. Computation Errors

Real Estate Tax Information On The GFE 
If the customer increases a loan request, do we need to modify the GFE? 
Disclosing Taxes and Insurance On Second Mortgages 
GFE/Settlement Sheet Completion Appraisal Notification for Residentially Secured Business Loans 
GFE Requirements 
Hazard Insurance Costs on the GFE & HUD-1 
Understanding The Service Providers List

Government Checks
POA Check Deposit Procedures
Reg CC - Saturday Deposit of US Treasury Check 
Timeframe for a Treasury Check Return
U.S .Treasury Checks - Personal Endorsements
US Treasury Check Endorsement Issue
Signing Over a Government Check
Refusing to Cash Government Checks
The USA PATRIOT Act & the Irate Customer
Treasury Check Payable to Married (Not Maiden) Name
Charging a Fee to Cash IRS & State Checks
Placing Holds on US Treasury Checks 
Cashing a Check with Two Signatures and One ID
US Treasury Checks Prepared by Outside Firms
Third-Party Endorsement, Bank Liability 
Government Check Cashing on Small Balances
Reg. CC and Treasury Checks
Cashing Government Checks for Noncustomers 
Endorsing government check over to a third party 
26.3 Million Treasury Checks Going Out: What Every Teller Should Know
Are we required to cash government checks? 
Charging Fees To Cash Government Checks 
IN THE NEWS - Regulatory Developments - Electronic Transfer Accounts
Treasury Details Electronic Account Features
Government Starts E-Check Program
Question & Answer
Countdown To A Check-free Government
In The News… Electronic Payments To Start January 1, 1999-Maybe
No More Government Checks?
Question & Answer
Is Government Check Cashing Legislation Necessary?
Question & Answer
Question & Answer

Guardian Accounts
UTMA Custodian
Account POD to Minor Living in Another State
Getting Rid of the Guardian 
Beneficiary Withdrawals & Representative Payee Accounts
Court Opening Account as Guardian
Beneficiary Withdrawals & Representative Payee Accounts
Power Granted by Springing POA
Deceased Custodian: Appointing a New Custodian for a Minor 
Duties And Limitations Of A Guardian 
Definition: Guardian's Account

Guarantor/Guarantee
Loans to One Borrower Limitations
Send FCRA Adverse Notice to Individual & Company?
Send Loan Denials to Applicant & Guarantor?
Father Guarantor of Son's Loan
Commercial Loan with Guarantors
Negative Pledge of Assets 
Cosigners and Guarantors
Collecting GMI on Loan Guarantors
Personal Loan Guarantor
Co-Signer/Guarantor Notice after Denial
LLC Loan - Lending Limits for Guarantor
Guarantor on a Commercial Loan to a Corporation
Joint Intent Needed on Corporate Application? 
Insider Report Requirement on Guaranty? 
Bank signature guarantees without Medallion
Is Reg O Just for the Borrower?
Are There Legal Differences Between These Entities?
Minor with a Debit Card
CIP and Guarantors

CIP Procedures, Guarantors, and Co-borrowers 
Guarantor's Right to a Copy of Note 
Guarantor Access To Borrower's Credit Scores
Loan Guarantee By Spouse

Signature Required For Guarantor's Credit Report?

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