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Games/Quizzes Garnishment Gift Cards Giveaways/Gifts GLBA GMI Good Faith Estimate Government Checks
Guardian Accounts Guarantor/Guarantee

Games/Quizzes
Quizzes for Regs
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
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Quiz on Information Security
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IRS Levy Quiz

Garnishment
Copy of the Notice of Garnishment to Acct. Holder
Notify Customer when Receive Garnishment Notice?
Federal/State Tax Levies and New Garnishment Rules
Looking at Accounts Individually Protected Funds
Order of Dismissal for Garnishment
Claims Included in New Garnishments Rule
Unemployment Funds Exempt from Garnishments?
Garnishments on Deposit from Federal Agency
Standard Notice for New Garnishments Procedures
Handling a Seizure Warrant from US District Court
Establishing New Requirements For Garnishments
Notice of Garnishment to Account Holder-May 1st
IRS Levies and Garnishment Rules
Priority on state vs. federal lien
Garnish Certificate of Deposit
Garnishment and Overdrafts
Mandatory Distribution on Garnished IRA Account?
Ideas for Dealing With Blind Garnishment Writs
Worker's Comp Settlement Exempt from Levies?
Garnishing from a Trust?
Garnishments: Lockboxes too?
Avoiding Garnishment with a Safe Deposit Box?
Procedures for Handling Third Party Claims
Notice on Account Freeze, Levy or Garnishment?
Timeframe to Respond to a Garnishment
Disclosing Garnishment to Signer
Pass on Legal Fees to Garnished Customer?
File a SAR on Levied/Garnished Customer?
Garnishment of Authorized Signer
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

Gift Cards
Dollar Limit on Thank You Gift for Loan Closing
Giving Gift Card to Borrower for "Second Look"
Gift Card Fees
Reg E Gift Card Rules & Credit Unions

Giveaways/Gifts
Gift Card for Closing New Loan?
Check & Debit Card Buy Back
Tax Value of Fulfillment Company Gift Coupons
Gift Card and Reporting
Giving away Lotto Tickets
Offering Gas Coupons
1099 on Giveaway Valued Less than $250?
Bank T-shirts
Bonus to Open for Existing Customers
Is a Gift a Bonus?
TISA Disclosures
Bonus or Not?
Charitable Contributions Considered a Bonus?
Gifts to Top Loan Customers
Giving a $50 Certificate to 18 Year Olds
Shredding the Competition
Money Tree Promo
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
Sending the Privacy Notice
New Privacy Policy Form
New Model Privacy Notice Form
Privacy Policy Revision - Effective Date
Final Model Privacy Notice Form
Reg P & Commercial Borrowers
GLBA and Customer Information
Truncating Bank Receipts
GLBA Violation-Loan Info Displayed on File Cabinet
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

GMI
Visual Observation to Complete Info on LAR
Collecting Govt. Monitoring on Bridge Loan
GMI Collected on Co-Signers for Consumer Loans?
Reg B and GMI on Real Estate Loan
Exceeding Tolerance: What to Credit
HMDA Monitoring Questions

Good Faith Estimate
Rules on Owner's Title Insurance
How to List Survey Fee (Service Missing on GFE)
Waiting Period After Providing Rate Lock GFE
Final GFE in Excess of the 10% Threshold
Sufficient Info to Complete Application (GFE)
Numbers not Matching on GFE and HUD
Passing Fee on to Customer-Where on HUD/GFE
Credit Report Fee on Mortgage Loan-GFE/HUD
GFE/Early Truth Disclosures for Land Investment?
GFE for Home Equity Line of Credit?
GFE Liability for Fee Differences
How to Disclose Appraisal on GFE
Early TIL(GFE) Apply to Unimproved Lot Purchase?
Additional Fees Required After GFE Disclosure
Good Faith Estimate - Day Countdown
GMI reporting for HMDA purposes
Reporting Appraisal Costs on GFE and HUD
Using Old vs New GFE, TIL, HUD
Timing of Good Faith Estimate and TIL
Issuing Loan Docs After A Change in Circumstances
GFE When there Is No Property
Difference Between TIL and GFE
The GFE and the Deed of Trust
Appraisals and Flood Exam Fees on the GFE
Disclosing Premium Fee on GFE
Timing on the GFE
Inspection Fees and the GFE
Email on the GFE
Disclosing a Credit with the Application Fee
Exceeding Tolerance: What to Credit
GFE and TIL with No Address?
In-house Appraisals relative to the GFE and HUD1
Does Closing Attorney Affect Tolerance Calculation
GFE: Validity and Expiration
Lender's Inspection Fee on GFE
Curing the Difference in a GFE
Title Insurance on the GFE
Changed Circumstances on a RE Loan
Taxes on the GFE
GFE Tolerance
Declaring the Rate in the GFE
Written List of Providers Required by RESPA
Technical Error on Initial Disclosure
Summary of Loan Area on the GFE
New GFE/TIL for Change in Loan?
Change in Payoff from GFE to Closing
RESPA Changes - Does the YSP Affect the APR?
HUD-1 - Negative Interim Interest
Required Provider List
Date on Revised GFE
Incorrect PMI Premium Quoted on GFE
GFE Tolerance Cure Payments
Fees on Home Equity Loans
Disclosing a Rate Lock Fee
Disclosing Credit Report Fees under RESPA
GFE for a Construction Loan
RESPA: Additional Waiting Period on Loan Closing?
Borrower Pays Own RE Taxes - Include on the GFE?
GFE and HUD - Hazard Insurance
Boss Wants Answer Straight from the Reg
Customer Borrowing Less Money - New Disclosures?
Credit Report on the GFE
Send Out GFE on Declined Loan?
Error on Original GFE - Do a Revised GFE?
Incorrect GFE - Reissue a Disclosure?
No Appraisal Fee - Disclose on the GFE?
New GFE – PIW Fee Part of the Origination Fee?
Issuing GFEs at the Branch
RESPA - Home Loan Preapproval
Listing Property Taxes on the HUD-1
New GFE - Payment Amount
GFE – Inspection Fee Disclosures
No Property Identified – Disclosures Apply?
GFE Error on the High Side - Redo or Not?
Requesting Tax Returns at Time of Application
Credit Score Notice Timing
Estimate Insurance Cost of the GFE?
Home Equity Loan Disclosures
RESPA Guidance Needed
GFE Disclosure & Documentation
Secondary Market Mortgage Loan Disclosures
Provider List Requirements
Third Party Originator Referral Fee
Appraisers & the GFE
Determining the Flood Premium & Disclosing on GFE
Manual Underwrite Recommendations
RESPA - Risk Insurance Premium Disclosures
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?
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
Rules for Holds on Cashier's/Gov't Checks
Meaning of "A/C" on Government Check
Dealing with Government Checks
What are 'Units of Government'?
Government Check Payable to Two Persons
Government Checks Expiration Date
Return Check "Payee Deceased"?
Exception Holds on Treasurer or Bank Checks
Surviving Payee Negotiating Treasury Check
Treasury Check Payable Ambiguously
Right of Setoff on Depost of Stimulus Check
Endorsing & Signing Over a Treasury Check
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
Opening Checking Accounts w/ Guardian
Social Security Number for Guardianship Account
Add POD to Guardianship Account?
Documentation for Guardianship Account
POD on Guardianship Account?
Check Writing Ability for Guardian
Can Checking Account Guardian Appoint Agent?
Difference Between Guardianship and Rep Payee
ID Required on Guardian Accounts
Opening Individual Account for Incompetent
Court Orders Accounts for Incapacitated Individual
Business as Guardian: How to Set Up
Guardian/Custodian Account Questions
Guardian & Joint Owner?
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
Guarantors to Co-Borrowers Considered HMDA Loan?
Do Guarantors Sign Statement of Intent?
Loan for Partnership
Does Loan Guarantor Receive Early Disclosures?
Not Your Average Lending Limit Question
Loan Guarantees & the Legal Lending Limit
Individuals Signing as Guarantors
Send Adverse Action Letter to Guarantors?
Guarantor on a Consumer Real Estate Loan
Guarantor Disclosures
Possible Regulation B Violations?
Agent Closing UTMA Account
Loan Guaranteed, Not Cosigned – Compliance Issues?
Credit Bureaus on Guarantor
Signing the Co-Signer Notice
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
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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