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ID    Identity Theft    Imaging    Indirect Lending
Information Requests/Sharing    Information Security Guidelines    Information Technology    Insider Lending    Insurance
Interest    Interest Rate    Interest Reporting    Internal Controls    Internet    Internet Gambling    Internet Security    Investigations    Investments    IOLTA    IRA    IRD    IRS    IRS Levy
IRS Tax Forms    IT

ID
ID Required on Guardian Accounts
Using ITIN to Open an Account
Expired ID for CIP
United Nations Passport – Valid ID?
Valid ID for Non-citizen Account Opening
Non-resident Alien - CIP Documentation
CIP on a Participation Loan
CIP - Valid ID Number
CIP on Former/New Customer
CIP on an Irrevocable Trust
Cedular Card
Valid ID for CTR
Identifying information
Hacked PC – Who Takes the Loss?
Recordkeeping of CIP Information
CIP for Irrevocable Trust
CIP Verification Checklist - Commercial Borrowers
Access to Internet Banking
Adverse Action List for the Examiner
FACTA Verification - Fraud Alert on Credit Bureau
Same Online ID for Business & Personal Account?
Government Agents/Employees Exempt from CIP?
The Amish & Non-Interest Bearing Accounts
Patriot Act & CIP - Minor Identification
Using Existing CIP Procedures to Verify Identity
Customers Signing the US Patriot Act Form
Customer Address on the CTR
CIP Notice Verbiage
Foreign Exchange Student Account - Acceptable ID
Online Accounts & CIP
Non-customer SSNs on Check
CIP Proof in the File
To File or Not to File, That is the Question
TIN, Please
No ID Required?
Copy of Green Card in the Loan File
CIP - Logical Verification
ID and Re-ID for CIP?
POD's SSN Required?
Imaged Copies of ID
Non-customer Considered a Customer?
CIP of Local Government Entities
Secondary ID
Copy of Drivers License in the Credit File
CIP for Servicemembers
Use of "Instuto Federal Electoral Card" as ID
ID Verification Via Mail for HSAs
Second ID for Existing Customers
CIP on Expired ID
CIP ID Specs
Customer Won't Allow Bank to Photocopy License
Required Law Enforcement ID for an MIL
Opening an Account with a Puerto Rican ID
Getting Around ID & SSN Requirments
Loan Customer an Existing Customer for CIP?
Patriot Act ID Verification on the Other Owner
Two Good Forms of ID for CIP
ID Procedures for CD Beneficiaries
ID for the Patriot Act
CTR on a Long Time Customer Who Doesn't Have an ID
CIP - Retaining Photocopy of Customer Credit Card
Veteran's Identification Card - Valid for Banking?
CIP - Privately Held Co. Owned by Publicly Held Co
BHC Merging Banks -Refiling Current Exempt Persons
CIP and IDs(PDF)
CTR: Aggregating the Deposits from Two Businesses
Which States Prohibit Credit Cards as ID for CIP?
FTC Releases Updated ID Theft Stats
CIP Rules for ID
Identity Management Not Secure in Many Companies
CTRs: Documenting ‘Known’ Customers
Spending on Biometrics Climbing Rapidly
Is He an Established Customer for Purposes of CIP?
Is Bank Required to Get Authorized Signer's SSN?
Credit Bureaus & Secondary Cardholder Verification
Do We the File CTR on both Minor and Parent?
Recording ID Info for Check Cashing
To ID or Not to ID Existing Customers
CTR for a Customer with a Hyphenated Name
Copies of IDs in the Mortgage File, Yea, Nay?
Listing TIN on Face of Note
Aggregation for Different Businesses, Same Owner
Service to Help Identify Customers
Students More At Risk For ID Theft
ID Theft of Another Flavor
Patriot Act - Two Forms of ID to Open Account?
Minors Opening Accounts
Sample Risk Assessment for CIP Guidance
Copy of SSN Card
Signer on an Account a Customer for CIP Purposes?
Is a First Name Needed for a Complete CTR?
Dealing With Fraudulent ID Documents
What is the Best Finger to Fingerprint
Biometrics Hot New Government ID
Scanning Drivers' Licenses for Internal ID System
Budget? What Budget?
Matricula Consular as primary ID for CIP?
CIP and Copies of IDs
CIP: Account Opening by Mail or Fax
Determining the validity of ID
Double Edged Protection
"See ID" Instead of Signing the Debit Card
Identification & Access: Security Still of Primary Concern
CIP ID Requirements for Out-of-State Signers
Section 326 Takes Over: "The Devil Is In The Details"
One 326 Problem
Risk Assessment Challenge: How Much Risk is "Reasonable and Practicable?"
Who is the Customer of a Group Account?
Time deposit accounts for non-resident aliens
Stolen checks, two banks: Who pays?
Help Prevent Identity Theft
Copy of ID in Loan File OK?
Retaining I.D. in CIP loans
Canada Gets New Resident Card
Protecting Your Identity For Under $8
Internet Clears Paths to Identity Theft
Information Security: Authentication In An Online Environment
ID Program For Kids
CIP and Savings Bonds
UCC & Cashing Checks For Non-Customers
CIP and Business Customer TINs
CIP and Security Deposit Accounts
Where to Include the ID Section
Putting "See ID" on back of card
Passports and U.S. Citizens
ABA Offers Electronic Fingerprint Checks
The MATRICULA CONSULAR: BIG Problem - Accept It Or Not?
Two Forms of ID
Verification of Cashier's Checks
Verifying ID: What should you accept?
A New Degree of Verification
Customer ID On Brokered Accounts?
Identity Fraud: The Need for a Common Lexicon
CIP: Verifying Student Loans
Passport Required ID For W-8?
Identification of Totten Trust Beneficiaries
Does a W-8 BEN expire?
Verifying The SSN & CIP
CIP ID If Institution Is Corporate Fiduciary?
Education Against ID Theft
CTR: Use The Name On Driver's License or SSN Card?
Opening An Account With A "Stage Name"
Verifying Customer Identity Beyond the Veil
ID For Non US Citizens
Can anyone tell me what a "cedular card" is?
Verifying Identity Without Requesting The SSN
Permissible Purposes for Verifying Identity through Databases
ID Verification Reminders
Will we need to obtain a copy of a driver license for a guarantor on a loan?
ID Theft - Real Cases
USA PATRIOT Act Identification Requirements
SSNs & Customer Identification
Photocopied ID, Loan Closings, and ECOA
Do we need to track the expiration date on ID?
State Law & Copying A Driver's License
Photocopying The Driver's License: Sometimes it IS acceptable
Proposed Rules on Customer ID Just Issued
Another Mystery Man
The Challenge of REALLY Knowing Who Your Customer Is
Photocopying Treasury Checks
The Challenge of REALLY Knowing Who Your Customer Is
ID Requirements For BSA Compliance
Photocopying ID: What Regs Does This Violate?
Verifying Customer Identity Beyond the Veil
Automating Change Of Address To Avoid Identity Theft
Deposits & Privacy Issues
Photocopying A Driver's License For Identification
Maintaining Photo Identification of Customers
ID Theft and Credit Card Numbers
ID Theft Tips
Giving Notice For Customer ID
Copying Driver's Licenses
Using a Driver's License for ID
Question & Answer
IN THE NEWS - Tellers Can ID By Photographs
Iris Recognition Finds Favor
Biometrics In Banking
Identity Theft
IN THE NEWS - Biometric Study Compares Systems
IN THE NEWS - FDIC Advises On Identity Theft Action
Insuring Against Identify Theft
Positive Identification In Use
IN THE NEWS - Look It Up
Question & Answer
Question & Answer

Identity Theft
Red Flag Checklist - Commercial Loan Guarantor
Notify Customer if Replaced Debit Card is Used?
Red Flags – Monitoring Address Changes
Marriage, Divorce, Name Changes & Red Flag Rules
Use New Red Flag Checklist on All Customers?
Filing a SAR on Customer with a Fake SSN
Strengthening Inbound Phone Identification Process
Script to Detect Pretext Calling
FACTA - ID Theft Procedures
Loan Made to an Identity Thief
SAR Filing
Helping Businesses Prevent Fraud
FDIC Insurance Scam
Banks Form ID Theft Assistance Group
314(b) Filer
Protection Against Identity Theft
Help For Victims of ID Theft
FTC Releases Updated ID Theft Stats
Identity Management Not Secure in Many Companies
Coalition Will Fight Online Fraud
'Skimming' Too Easy with New Technologies
FACTA - Records Release for ID Theft Victims
Contradiction in FCRA Verbiage?
Service to Help Identify Customers
Students More At Risk For ID Theft
ID Theft of Another Flavor
Getting Under the Skin
Out of Wallet Questions
Three Identity Protection Ideas
Biometrics Hot New Government ID
Purchasing ID Theft Insurance for Customer/Member
Account Not Opened Due to Fraud Advisory
Survey Says Consumers Taking ID Theft Steps
Data Needed to Verify New Internet Banking Users
If It is a Bad SSN, Do We File a SAR?
National ID Theft Initiative
Account Number Truncation
Stolen checks, two banks: Who pays?
Help Prevent Identity Theft
Risks should be assessed before marketing via e-mail
French Issue $107 Limit Card
Protecting Your Identity For Under $8
Internet Clears Paths to Identity Theft
Fast Growth and Much to Lose?
Computer Security Threats & Managing IT Resources
FTC: Catching Information Brokers
ID Theft Insurance
Identity Fraud: The Need for a Common Lexicon
FTC Issues New Standard ID Theft Affidavit
Education Against ID Theft
Identity Theft
Learning from Fraud
The Challenge of REALLY Knowing Who Your Customer Is
Another Mystery Man
ID Theft - Real Cases
Should You Tell Your Customers?
New Law Mandates Hacking Disclosures
Giant ID Theft Case Announced
Watch Out for these Applications
Customer Identification: Passwords For Account Information By Phone
Suspected ID Theft & SARs
The Challenge of REALLY Knowing Who Your Customer Is
Filing A SAR For Identity Theft
Identity Fraud Erodes Bedrock of IT Security
Protecting Against Identity Theft
ID Theft Tips
Question & Answer
Identity Theft Incidents Increasing
Regulators Focus on Identity Theft at FTC Workshop
IN THE NEWS - Report ID Theft

Imaging
Check Images
Check 21 Disclosure
Check Imaging for MSBs
An Alternative to Current Image Technology
Substitute Check Disclosure
Placing a Stop Pay on a Converted Item
IOLTAs & Remote Capture Deposits
Customer Demanding Original Check Not the Image
Online Presence for Community Banks
ATM Deposits - Weekly Balancing
Does Check 21 & Image Exchange Preclude Reg CC?
Check Imaging
Scanned Loan Documents In Lieu of Originals
Check 21 Disclosure Notice
Imaged Check Retention
Check Imaging & Reg E Compliance Issues
Destroy the Originals but Keep the Scanned Copies
Check 21's Effect on ACH & EFT Transactions
Reg CC 's Endorsements Printed in Black Ink Rule
Scan the Signature Card, Keep the Original?
Imaging - Customer Is Demanding Original Checks
Customer Presenting Returned IRD to Paying Bank
"VOID" Security Feature and Imaging
Substitute Checks in Court
Expanded Positive Pay Capabilities
Check 21 Images and Forgery
Validity of Check Images
The Check Ain't Dead - But It's Lagging
To Image or Not to Image, That is the Question
Retention of Denial Documentation
Check Truncation by a Non-Bank
Check 21 Images Not Showing Indorsements -- Problem?
Imaging Could Increase ATM Deposit Popularity
Authority for Imaging
IRD Explained
Is Account "Free" if We Charge for Images?
Imaging Deposits
Sharing Images Bank-To-Bank
Float on Imaged Items
Charging for Copies of Checks
Check 21: The Basics and More
Exchanging Images Under Check 21
Customer Reaction to Image Statements
Check 21 readiness: a primer
Check 21 and Electronic Check Conversion
Check 21 Standards: ASC X9 Statement on Check 21 Adoption
Electronic check conversion and angry customers
Destroying Signature Cards
Integrating Check Imaging and Internet Banking Systems
More Convenience, Better Protection at the ATM
Record Retention Requirement For Imaged Checks
Forgery: Check image vs. original
Check Imaging: How long do we keep the original checks?
Third Party Vendors, Maintenance Contracts, and Privacy
Are checks (or imaged checks) required to be included in a customer's statement?
Legal Implications of Imaging
Marketing Imaged Statements
Community Banks Make Move Toward Internet Banking and Imaging
Check Imaging Guide
We've lost transit checks - now what?
Sending Check Images for Collection
For legal purposes, are imaged checks equivalent to the original check?
Check Imaging
Returning Imaged Copies

Indirect Lending
Sending Approval/Denial Letters on Purchased Loan
Car Dealer Indirect Loans – Application Process
FI's liability on Indirect Loans & FCRA/FACTA
Indirect Lending Statements
Indirect Lending Pricing Question
Indirect Loans and Fair Lending Concerns
CIP and Indirect Lending
The Foxhunt
Risks In Indirect Lending

Information Requests/Sharing
Printers & Copiers
FACTA Confusion - Sharing Information w/Affiliates
Is Internal Cross-Selling an FCRA Violation?
FACT Act - Sharing Information with Affiliates
Disclosure of Confidential Customer Information
Providing Police Information w/o Subpoena
Is customer "okay" sufficient release account info?
Section 314(a) Records Requests
IRS Information Requests & Privacy
314a Documentation Spreadsheet
Amending BSA Policy to Include Section 314(a) Requests

Information Technology
Guidelines for IT Audit Risk Assessment
Staying Technologically Up-to-Date
Finding a Cyber Security Firm
Intranet Security
What is Spear Phishing?
IT Training Requirements
Top Trends Impacting Bank Technology for 2007
Looking for IT Audit Info
IT Penetration Testing
GLBA IT Compliance
Do You Know Where Your Laptop Was Sleeping Last Night?
Know Thy Firewall
Coalition Will Fight Online Fraud
Spam Hurts
Top Trends Impacting Bank Technology for 2005
IT Vendor Contracts
Many bank Web sites not in compliance
Security is Top Level Consumer Concern
Practical and paperless: the power of technology and human resources
IT Exam Guidance - Retail Payment Systems
Information Security: Authentication In An Online Environment
Selecting IT Auditors or IT Consultants
Change Management for Technology
Training on ID Verification and Spotting Fakes
Information Technology Policies Wanted
Surviving Your IT Exam
Preparing for IT audit on a new network system
Verification Of Source Documents For Master File Changes
Automating the HR Function
Top 20 I.T. Vulnerabilities
VIRUS/WORM UPDATE
Harden Your Cyber-Perimeter
ALERT: Remote Sendmail Header Processing Vulnerability
When disaster strikes
CyberSecurity Advisory Checklist
Physical and Digital Threats to Financial Institutions in the Wake of the Terrorist Attacks
Tips For Developing IT/InfoSec/GLBA Policies
Conducting An Information Technology Risk Assessment
IT Security Policy

Insider Lending
Reg O Increases to Existing Indebtedness-Loan Fees
Language for Pre-Authorized Transfer of Funds
Extended Due Date on Loan for Director (Reg O)
Granting Home Equity to Executive Officer ($100K)
Executive Officer's Collateral is Bank's Stock
A Call Report and Reg O
Loans to an Insider and Reg O
Reg O Requirement for Demand
Bank Director Revealing HImself as Such
Overdraft Privilege Product
Extension of Credit to Insiders
Reg. O - Loans by Member Banks to Their Executive Officers, Directors, and Principal Shareholders
Reg O - Who is Consider an Insider?
Inadvertent Reg O Violation
Reg O Q & A Follow Up
Reg O – Holding Co Officer an Insider
Reg O – Loan Payment Date Change
Board Approved Loan?
Reg O – Insider’s Shares
Reg O – Overdrafts & Related Interests
Reg O – Participation in Major Policy Making
Reg O - Aggregate Lending Limit
Regulation O - Overdrafts on Insider Accounts
Insider Lending - Language in the Note
BOD's Loan Modification
Executive Officers & Extensions of Credit
Reg O - Readily Marketable Collateral
Reg O - Executive Officer's Repeated Overdrafts
Reg O – The Director Isn’t the Borrower, but ...
Reg O - Credit Card Extensions of $15,000 or Less
Reg O - Single Insider Aggregate Lending Limit
Reg O or the Applicable Reg
Offering Insiders HELOCs with No Closing Costs
Reg O - Recordkeeping of Insider's Family Members
Ex Officer Reporting Loans from other Banks
Accounts Subject to or Excluded from Reg O?
Preferential Employee Loan Rates
Reg O and Discounted Loans
What Reg 0 amount to report?
Demand Feature for Executive Officers
Ethics, Banking, and the Rest of Corporate America
Insider Lending Limits & Mortgages
Reg O: If a loan is made to a spouse, under their own signature and taxpayer ID, is it an insider loan?
COMPLIANCE NOTES - Indebtedness Reports - In the Mail
Question & Answers
Reg O Final Reg O Regs
Why Comment? The Numbers on Reg O
Guidance for Directors
Reg O: Action on O
Question & Answer
Changes to Regulation O
Question & Answer

Interest
Can All Business Accounts Be Paid Interest Now?
Interest Bearing Checking Account for Business
How Can LLC Earn Interest in a Checking Account?
Rule of Interest Calculation for Commercial Loans
Interest Payments and Repaying Principal
Regulations on Interest Only Payments
Charging an Advance Fee on Consumer LOC
Marketing Interest on Business Checking
About Charged-off Interest
Customer wants Bank to Stop Paying Interest

Interest Rate
Odd Days Interest for APR and Understated Interest Order of CD/Deposit Yields and Interest Rates
Interest Calculation for Period with Odd Days.
Preferential Interest Rate
Variable Rate Consumer Construction Loan
Reg O & Interest Rates
Interest Rate Lowered, Fee Charge - New Disclosure
HPML – APR Lock In Date
Employee Interest Rates on CDs
Three Rate Spread Questions
ARM Loan - No Adjustment Schedule
How Accurate Does the Interest Rate Have to Be?
Lowering Savings Rate – 30 Day Notice Required?
Imposing a Default Rate of Interest on a HELOC
Newspaper Insert - Monthly Payment Chart Loan Rate
90 Days for Non-Accruing Interest Rule
CD Advertisement
ARM Disclosure - Table Not Required?
Just Say APY?
Increasing Interest Rates on Past Due Loans
Loan Rate in Advertisement
CD Customers Negotiating Interest Rates
CD Rate Oral Inquiries - Quote APY First?
Mobile Home Late Fees
Lowering Interest Rates on Existing Mortgages
Effect of Interest Rate Calculation Change
CD Interest Rate Accrual
Paying Preferential Interest Rates
Original Issue Discounts
Schumer Box
State the Rate, Too?
Teaser Rate Disclosures
Floor and Ceiling Rate Disclosures
Personal Loans Not Secured by RE - Disclosures
Advertising a Stepped-Rate CD
Quoting CD Rates Over the Phone or in Person
Can We Add Interest Back to the Principal?
Loan Extension - New TIL Disclosures Required?
Charging Interest on the Old & New Loan During ROR
Reg DD Compliance - Interest Payment
APRs Quoted over the Phone
Correcting a Loan Closed at an Incorrect Rate
Interest Rate of Loans Secured by Deposit Accounts
Is the SCRA Rate Retroactive?
Modifying an ARM
Size of Print on a Promissory Note
Irregular Transaction a Variable Rate Loan?
Determining Reduced Payment Amount under SCRA
SCRA - Date New Interest Rate Begins
Limiting Interest Rates on NOW Accounts
Open an Account & Reduce Your Loan Interest Rate
Variable Rate Violations
Will HMDA Lead to Litigation?
Separate ARM Disclosures Tiered Pricing?
Questions on the Annual Percentage Yield Earned
Interest rates for servicemembers
Must We Have a Rate "Cap" on This Loan?
Reg Z Section 32 Clarification Sought
Is an APY Required on Non-Required Notices?
Higher Rates for Designated Groups?
$50 for Direct Deposit & Funds Transfer
Usury laws question
Interest on a DDA
Residential Mortgage Tied to Prime Rate
SCRA & Student Loans
No One Likes Mystery Meat
Paying Better Rates for Putting Skills
Interest During Rescission
SCRA Rate on Student Loans
New federal law addresses bank, military service member relations
Tiered rate CD disclosures
STATISTICS, FACTS, & SUCH
Define Simple Interest
Failure to Disclose Odd Days Interest
Rolling Out Biweekly Payment Mortgages
IRETA and IOLTA Accounts
SSCRA & Rate Caps
TIL & Rate Lock Fees
Interest Rate Break for Employees
Advertising APY Of Tiered Deposit Product
Posting Base/Prime Rate in Lobby
HELOC Rules & Advertising "Variable Rate Tied To Prime Rate"
Placing Floor Rate On Existing HELOCs
MMA Interest, Tiered Rates, and Reg DD
Displaying Loan Rates & Web Site Compliance
Interest Bearing Accounts For Business Customers
Military Dependants Eligible For SSCRA Benefits?
What are the maximum interest rates on CD loans?
Lowering Intrest Rates For Executive Officers
Solicitation Letter, APR, and Disclosures
Is there a regulation that requires a loan to be priced 2% above a CD rate (if using the CD as collateral)?
Toasters, Teddy Bears and Other Freebies
Exercise Caution in Disclosing "Bonus Rates"
Fee Income Is King in the Land of Low Interest Rates
Calculating Interest On Late Payments
Interest Rate Change Notification

Interest Reporting
Policy for Customers that are not US Citizens
Corporation and LCC w/ Same Tax ID#
1099 in Ad for Bonus
Can Successor Trustee Use Old TIN?
Account Opening Gift
Participation Loan into Non-accrual
Redeeming and Opening a CD
Reporting Interest on Joint CD
Which 1099 Trigger Amount Applies?
Report IRA/CD Income as Interest?
1099 Reporting on Savings Account Giveaway
Loan Fee Discount Coupons - Provide a 1099?
Gift Card and Reporting
Offering Gas Coupons
1099 on Giveaway Valued Less than $250?
Debt Cancelled - 1099-C Filing
Sending Email Marketing
Contest Winner Tax Form
1099 Form to Reimbursed Customer?
Bonus on Account - Disclosure for 1099?
Non-Resident Alien - Non-Interest Bearing Account
1098 Reporting - Loan in Non-Accrual Status
Reporting Refund Fees on 1099s
Tax Reporting on Minor's Interest
$100 for Opening an Account with Direct Deposit
ATM Surcharge Fee Refunds - Tax Reporting
Foreign ATMs - 1099 Reporting
Foreign Accounts – Interest Reporting
IRS Reporting - Payments to Lawyers & Law Firms
New Account Promo - $25 Gift Card Bonus
Interest Reporting on Seller's Payments
Non-citizen & Citizen Co-owned Account
IRS Reporting - Customer Referral Cash Bonuses
SSN for a Single Member LLC?
1099 Form - Maximum Dollar Giveaway?
CD Interest Reporting
1099 Required for Gift Check?
No Need for 1098 Interest Reporting?
Interest Reporting on Secondary Residence
Form 1098 - Mortgage Interest on Rental Propery
Reporting Forms for Account Giveaways
Backup Withholding & Customer Signatures on W-8s
Higher Early Withdrawal Penalty Than Was Disclosed
Real Estate & 1098 Forms
Reporting Interest on Commercial Real Estate Loans
Reported as 1099int or 1099misc?
Reported as 1099int or 1099misc?
Maximum Non-Taxable Amount for New Mortgage Bonus
1098 Reporting - What is Real Estate?
1098 Reporting on Non-Accrual Mortgage Loan
Limits and Reporting Promotional Gifts
Is Loan Purpose Irrelevant for 1098 Purposes?
Backup Withholding and Escrow Accounts
Internet Tips
Guru Chatter on Interest Reporting
If Your Customer Needs an EIN
Joint Accounts, ITINs, and Interest Reporting
Flagging Foreign Status Customer Accounts
1098: Personal loan, business property collateral
W-9 Certification: Can you pre-fill the fields?
One Customer, Multiple W-9s?
Requiring A W8-BEN For Non Interest Bearing Accounts
Construction Loan Disbursal & 1099 MISC Filing Responsibility
Real Estate Forms: Certification For No Information Reporting
1099s For Employee Thefts?
Earned (but not paid) CD Interest & OID 1099s
W-9: One per customer or one per account?
Death and Tax Forms
Always File A 1099

Internet Gambling
Reg GG and Payment Systems

Internet Security
Pop Up Box
Instant Messaging Software
IT Penetration Testing
Web Site Modifications
Website Security Measures for Online Applications
E-Mail Warning to Customers
Instant Messaging Software
Email Insecurity
Sending Financial Information Over Non-secure Line
Kinko's Keystroke Caper Underscores Need for Diligence
Hackers Attack Community Bank
Important Alerts
PSSSSSST! Want To Make A Bundle?
Non-Network Vulnerability
VISA Cards Have New Online Protection
Financial Institutions May Soon Use Real Time Alerts
The Risks of Weblinking
New Scans to Detect Possible Fraud
Tech Alert
Harden Your Cyber-Perimeter
Internet and/or Technology Incident Response Sample Policies & Procedures
Sample Hacking Incident Policies
Top Ten Weapons Against Web Site Theft
Sanitize Your Machine
VIRUS/WORM UPDATE
Harden Your Cyber-Perimeter
Testing The Intrusion Testers
Follow Simple Steps to Boost Internet Security
We use a virus checker. What else can we do?
Protection From Computer Hackers
Cracking and Hacking: Are you doing enough for your network security?
Electronic Intruders

Investigations
Bank Policy- Missing Money from Electronic Switch
Deny Disputes Due to Lack of Cooperation?
Dealing with an Embezzlement Investigation
Background Investigations: Part 3: The What
Background Investigations -- Part 2: The Who
Background Investigations: Part 1: The Why
FACTA and Employee Misconduct Investigations
Undercover Investigation Justifies Terminations
Questioning an Embezzlement Suspect
Kinko's Keystroke Caper Underscores Need for Diligence
Hackers Attack Community Bank
Error Resolution Timing
FBI Has a Powerful New Crime-Fighting Tool
Government Regulation Pending On Identification Sources Will We Lose Our Ability To Investigate and Verify?
Great Investigation Tool

Investments
Temporary Liquidity Guarantee Program
Investment Firms and Banks Self-dealing
Trust & Investment Products In The Same Ad

IOLTA
Lawyers having IOLTA Accounts at Separate Banks
How Can LLC Earn Interest in a Checking Account?
IOLTA Accounts and Interest Rates
Holding Funds on an IOLTA Account
IOLTA Account – Titling & CIP Info
DBA IOLTA
CTR Reporting – IOLTA Accounts
Regs Governing IOLTAs, IRETAs & Funeral Trusts?
IOLTAs & Remote Capture Deposits
Is This an IOLTA Account?
IOLTA - Who Handles the Earned Interest?
Levy the IOLTA Too?
Is an IOLA Account Covered Under FDIC Insurance?
Montoring IOLTA Payments & Transfers
IOLTA - Beneficiary for CTR purposes?
NOW Account for an IOLTA
OFAC, IOLTAs & Non-Customer Beneficiary Tax ID#
IOLTAs (for Charitable Purposes) in NOW Account
Depositing a business check into an IOLTA account.
Charge Back to IOLTA Account
IRETA and IOLTA Accounts
Attorney-client Privilege & Filing a CTR
Renters' Security Deposit Trust Accounts
Multiple Signers & IOLTA
IOLTA Account Regulations
Would you please clarify IOREBTA and IOLTA accounts?
IOLTA & IRETA Accounts

IRA
Notice of Levy-Take Levy Proceeds from their IRA?
Can a Roth IRA take in $50K as a Loan (Property)
IRA Certificate of Deposit as Collateral on a Loan
IRA Put Into Trust Name?
IRA Hold
Rule for IRA Beneficiary Taking RMD
IRA Beneficiaries
Mandatory Distribution on Garnished IRA Account?
Can Beneficiary Roll Over an IRA?
Withdrawing the RMD ofo an IRA Prior to Transfer
IRA Annual Statement and Reg DD Requirement
What Comprises an IRA Rollover?
About an RMD Distribution
Changing IRA Plan Agreements
Transferred Check Names Baby as Executor
Garnishing from an IRA?
IRA and Estate
Annual Notices on No Maturity IRAs
The Beneficiary and the Inherited IRA
Minimum Distribution from IRA
Transferring an IRA to Non-profit Organization
Early Withdrawal Fee if IRA is Reinvested?
Borrowing from IRA
Is TIS Required for an IRA?
Member Using Ten Year Old POA to Withdraw IRA Funds
Report IRA/CD Income as Interest?
IRA Only Customer - Federal Tax Lien
IRA CD Question
Customer Setting Up Self Directed IRAs
Difference Between IRA Custodian & IRA Trustee
Money Market IRA
IRA CD Maturity Notice
IRA Exemptions & Reg R Guidelines
Temporary IRA Distribution Suspension Act of 2008
Minor IRA Account Changes - Send Out Amendment?
CIP - IRAs & HSAs
IRA Transfer - Early Withdrawal Penalty
IRA Withdrawal Requirements by the Bank
Rollover from a 401k to an HSA
401Ks & Qualified Retirement Plans as Collateral
Both IRA Owner & Beneficiary are Deceased
Roth IRAs - Withdraws Taxable?
IRA - Husband and Child Beneficiaries
IRA Changes
IRA Payout to Contingent Beneficiary
IRS Tax Levy on an IRA?
Dormant IRA Savings Accounts
What is a Conduit IRA?
Correct Factor for IRA Distribution
IRA Lobby Poster Promo
IRA Account Documentation
CD Garnishment
IRA Distribution is Part of a Divorce Settlement
Will Direct Transfer of IRA Incur Penalties?
IRA CD as Loan Collateral
Advertising an IRA Passbook or CD Account
Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs
IRAs (PDF)
IRA Check Payee Has Died -- Now What?
Checking Account as Collateral for Loan
IRA Withdrawals Before CD Maturity
Rollover IRAs and CIP
IRA Required Minimum Distributions
Is the Beneficiary of an IRA Taxed on Distribution
IRA Age Limit
Annual IRA Beneficiary Review
Required Minimum Distributions - Unilaterally
Distributing Decedent's IRA to a Trust
Consolidating IRA Accounts
Changes to IRA Accounts
IRA Customer Died Before Taking RMD
Renaming an IRA Beneficiary
CIP & IRAs
When There's No IRA Beneficiary
Offset against an IRA
Non-Spouse IRA Beneficiary: Should you get the spouse's signature?
Can Beneficiary Transfer IRA CDs?
Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs
IRA Season Page
Pension Plans, CDs, and Tax Reporting
Revocable Trust as Beneficiary: What documents do we need?
Correcting IRA Deposit Errors
Using An IRA As Loan Collateral
Coding The Distribution For An IRA Rollover To A QRP
Can an IRA owner have a Power of Attorney on his/her IRA?
Can a Power of Attorney be used for an IRA?
IRAs, FDIC Coverage, and Qualifying Beneficiaries
IRA Policies
New IRA Beneficiary Rules
Minors & IRAs -- Kentucky
IRAs, Older Customers, and Penalties Under Reg D
Change Is in the Air
Minors and IRAs
Recharacterization Forms For IRAs
IRA Forms: In-house vs. Vendor
ROTH IRA Distributions
New IRA Forms and RMD Regulations Finalized
Change Is in the Air
Deadlines for Updating IRA Forms Set, but Model Forms MIA
IRA Changes: Are disclosures for existing customers required?
IRA Beneficiary Designations
IRAs & Required Distributions
IRA and Pension Distributions: IRS Makes Bold Move in Simplification
New IRA Required Minimum Distribution Calculation Rules

IRD
IOLTAs & Remote Capture Deposits
Check 21 Disclosure Notice
Customer Presenting Returned IRD to Paying Bank
Check 21 readiness: a primer

Depositor Dilemma: Dealing with the Check Clearing for the 21st Century Act
IRD Explained

IRS
Corporation and LCC w/ Same Tax ID#
1099MISC or 1099INT for Non-Interest Deposit?
Tax ID # for Establishing an Irrevocable Trust
Identification of Taxpayer (Levies and FI)
Documentation to Prove Non-Profit
Handling Tax Refunds on Debit Card
Opening Account for Non-Resident Alien
EIN/SSN Needed to Open Class Reunion Account
Joint PLLC, but Only One SSN
Is Collateral Exempt from IRS Levy?
Is Incentive for Trip Considered a Bonus?
Documentation for Non-resident Alien Accounts
DBA Reporting: SSN or TID?
Examiner Finds 'Unknown' Reg DD Violation
$100 Bonus for Opening a New Account
Subject to Backup Withholding: Open Account?
Tax Reporting for Sole Proprietorship Account
Same TIN for Other Accounts?
Documents Needed for IRS Summons of Records
Reporting Referral Income
ATM Fee Refunds and IRS Reporting
Gas Card for New Accounts
Backup Withholding
Redeeming and Opening a CD
Backup Withholding Certification
Do PACs Need an EIN?
Which 1099 Trigger Amount Applies?
About Tax ID Numbers
IRS Notice of Levy - Hold Subsequent Deposits?
Alien Required to Fill Out a W8-BEN?
Alien Required to Fill Out a W8-BEN?
CPA Says SSN Okay for LLC
Report IRA/CD Income as Interest?
Gift Card for Closing New Loan?
IRA Only Customer - Federal Tax Lien
IRA CD Question
1099 Reporting on Savings Account Giveaway
IRS Backup Withholding
Loan Fee Discount Coupons - Provide a 1099?
Modifying the B Notice
1099-C Cancellation of Debt - Personal Bankruptcy
IRS Financial Records Summons
Tax Value of Fulfillment Company Gift Coupons
Gift Card and Reporting
Report Cancellation of Debt – Continue Collecting?
1042-S Vs W-8BEN
Non-Profit Family Partnership Account
Roth IRAs - Withdraws Taxable?
IRS Requesting a Copy of a CTR
Uncooperative Canadian
Donation Accounts & Taxes
Individual HSA Account - Spousal Debit Card
IRS Tax Levy - Funds Less than Amount Levied
EIN & SSN - Same Number?
Home Improvement Loan - Interest Paid Deductible?
Understanding Tax Reporting and Promos
Draw on your HELOC and Receive a $75 Gift Card
Send Me No Mail
IRS Agent Blabs SAR Filing to Customer
W8-BEN on Non-resident Alien with a SSN
Are We Aiding Customer in Avoiding a Levy?
Occupation "Retired"?
Non-customer IRS Summons
PUPID Wire Transfer
Nonprofit NOW Accounts
Interest Bearing Accounts for Non U.S. Citizens
RFPA - IRS Requesting Info on Loan Customer
Accounting for Fees in Delinquent Payments
Opening a Donation Account
Filed SARS. IRS Wants Customer Back-up Info
W-9 on a Mortuary Trust Account
Reporting Forms for Account Giveaways
Customer Account Issues & IRS Backup Withholding
Backup Withholding & Customer Signatures on W-8s
Payment of Taxes Disclosed on the GFE & HUD-1
Same TAX ID Number - 2 Different DBAs
Memorial Fund Account Tax Issues
Federal Income Tax Withholding on a CD
How Often De We Request W-9 Form?
Which Takes Priority, the Levy or Lien?

New IRS Team Provides Education to Combat Money Laundering
Insufficient Tax Escrow Balance -- Now What?
Sufficient Information for CIP on Revocable Trust
Requiring IRS Subpoena on Information Not in SAR
Not-for-Profit vs. Non-Profit
Combining the TIN Certification
What's the Priority Claim on an Estate?
Required Minimum Distributions - Unilaterally
1098 Reporting - What is Real Estate?
Thinking of Offering Medical Savings Accounts
LLC Using a Social Security Number
Are Fee Waivers Tax Reportable
ACH Tax Refunds to Another's Account
New CTR Form
Requiring an SSN is a Violation of Law, He Says
1098:Business Loan, Personal Property
Bundling Required Notices
Consolidating IRA Accounts
Estate Set-up with TINs
IRA Customer Died Before Taking RMD
Renaming an IRA Beneficiary
Is Loan Purpose Irrelevant for 1098 Purposes?
When There's No IRA Beneficiary
Format for CTR Form Submissions
Backup Withholding and Escrow Accounts
Deposit to Joint Account Triggering CTR
Escrow for Income Taxes on Commercial Loan
Guru Chatter on Interest Reporting
Getting a Copy of a CTR
School accounts and 1099s
Is a W9 required for a commercial loan?
1098 Reporting & Motor Home Loan
Passport Required ID For W-8?
Does a W-8 BEN expire?
Value Limit On Gifts Given For Accounts
IRS Information Requests & Privacy
IRS Issues New Life Expectancy Tables
W-9 Certification: Can you pre-fill the fields?
IRS Levies, Primary Accountholders, and Beneficiaries
Using Formal Names For IRS Reporting
IRS Reporting: Can nicknames be used as long as the SSN is correct?
IRS Issues New Life Expectancy Tables
Are W-9s required for all loan customers?
Are banks required to issue 1098s for Land Loans closed during 2001?
What is a 1099 and who needs to be sent one?
Questions: IRS Information Reporting for Financial Institutions
Is a 1098 required on a lot loan?
Reporting Too Much Savings Bond Interest
IRS Revamping its Web Site
Endorsing IRS Checks
EDITORIAL - "Welcome To The IRS…"

IRS Levy
Notice of Levy-Take Levy Proceeds from their IRA?
Rules for Holding Funds on Acct: Bank has Lien
Does Levy on Account take Precedence?
Dealing with a Levy from the IRS
IRS Levy on Health Savings Account?
Holding Funds on an IOLTA Account
IRS Notice of Levy - Hold Subsequent Deposits?
IRS Levy on Custodian – Hold UGMA Funds?
Levy on an Individual and Trust Accounts
IRS Tax Levy - Funds Less than Amount Levied
Levy the CDs?
IRS Tax Levy on an IRA?
Which Takes Priority, the Levy or Lien?

Freezing a Levied Account from Debits
Tax Levy Goof?
Customer Authorization For IRS Levy
Do IRS tax levies require a court order?
IRS Levy
IRS Levy Quiz
IRS Levy Pitfalls

IRS Tax Forms
Why is W-8BEN Required on Interest Bearing Account
1099 Reporting for Trust
Gift Card Reported as 1099 Int. or 1099 Misc?
Sending W-9s to Customers
Reporting Referral Income
Using ITIN to Open an Account
Fictitious Name Statement for Sole Proprietorship
Reporting Interest on Joint CD
Name/TIN Matching on an LLC
Discharge of Indebtedness: Tax Implications?
Which 1099 Trigger Amount Applies?
W-8 BEN Maintenance
Non-resident Alien - CIP Documentation
Free Business Checking Account Compliance
Gift Card and Reporting
Report Cancellation of Debt – Continue Collecting?
1042-S Vs W-8BEN
Contest Winner Tax Form
Unreturned W8 BEN Updates
Giving a $50 Certificate to 18 Year Olds
Styling Joint Account for Non-U.S. & U.S. Persons
1098 Reporting - Loan in Non-Accrual Status
Uncooperative Canadian
C and I Loan - Signed W-9?
Reporting Refund Fees on 1099s
Sending 1098s
Issuing CDs - W9 Certification
Foreign Accounts – Interest Reporting
Resident & Non-Resident Alien - Backup Withholding
IRA Payout to Contingent Beneficiary
1099 Form - Maximum Dollar Giveaway?
CD Interest Reporting
Draw on your HELOC and Receive a $75 Gift Card
1099 Required for Gift Check?
W8-BEN on Non-resident Alien with a SSN
Non-cash Gift HELOC Promotion
W-8 Certificate Filing Frequency
No Need for 1098 Interest Reporting?
Interest Reporting on Secondary Residence
CD Documentation
Correct Factor for IRA Distribution
Form 1098 - Mortgage Interest on Rental Propery
Is a 1099 Required for Gift Cards?
Accounting for Fees in Delinquent Payments
W-9 on a Mortuary Trust Account
4506-T Disclosures
Reporting Forms for Account Giveaways
Customer Account Issues & IRS Backup Withholding
Backup Withholding & Customer Signatures on W-8s
Loan was Denied. Do We Still File a SAR?
Real Estate & 1098 Forms
Reporting Interest on Commercial Real Estate Loans
Record Retention on a Charged Off Loan
How Often De We Request W-9 Form?
Reported as 1099int or 1099misc?
W-8 Info for a Student & an Unemployed Spouse
Do We Submit a Form 104?
Maximum Non-Taxable Amount for New Mortgage Bonus
When to File a 1099-C
Updating a W8-BEN
1098:Business Loan, Personal Property
Verification of Paid Payroll Taxes
Difference in Points and Origination Fees
Guru Chatter on Interest Reporting
If Your Customer Needs an EIN
Joint Accounts, ITINs, and Interest Reporting
Flagging Foreign Status Customer Accounts
1098: Personal loan, business property collateral
W-9 Certification: Can you pre-fill the fields?
One Customer, Multiple W-9s?
Requiring A W8-BEN For Non Interest Bearing Accounts
Construction Loan Disbursal & 1099 MISC Filing Responsibility
Real Estate Forms: Certification For No Information Reporting
1099s For Employee Thefts?
Earned (but not paid) CD Interest & OID 1099s
W-9: One per customer or one per account?
Death and Tax Forms
Always File A 1099

IT
What is Spear Phishing?
Push & Pull - Explanation Needed
Notifying Customer of Compromised Debit Card
BSA Training for IT & HR?
Internet/Email
IT Training Requirements
Federal Rules of Civil Procedure (FRCP)
Issuing an RFP for Risk Assessment Services
The Road to Microsoft Windows Vista in 20 Questions
Service Provider Documentation
Top Trends Impacting Bank Technology for 2007
Inform Customers of Multi-factor Authentication
Number of Characters Required for Passwords
Instant Messaging Software
Credit Checks on Employees with Access to Sensitive Info
Looking for IT Audit Info
IT Penetration Testing
Technology Related Record Retention
New Customer ID Verification Procedures
GLBA IT Compliance
Top Trends Impacting Bank Technology for 2005
IT Vendor Contracts
Many bank Web sites not in compliance
Security is Top Level Consumer Concern
Practical and paperless: the power of technology and human resources
Guru Chatter on IT Issues (PDF)
Risks should be assessed before marketing via e-mail
IT Exam Guidance - Retail Payment Systems
Selecting IT Auditors or IT Consultants
Banks Use Corporate Cards to Replace Checks>
"Bankers As Buyers" Guide
Offering Convenient College Payments
IT Regulatory Hot Buttons
Surviving Your IT Exam
Preparing for IT audit on a new network system
CyberSecurity Advisory Checklist
Physical and Digital Threats to Financial Institutions in the Wake of the Terrorist Attacks
Tips For Developing IT/InfoSec/GLBA Policies
Writing An IT Policy
Database Of Banking Software Providers
Loss Prevention Technology For Small Banks
Postage From The Internet To The Envelope

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