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LAR
Property Address and No Income on HMDA LAR?
HMDA/LAR Coding for Refi to Purchase Vacation Home
HMDA Collateral Code on LAR
Different Rate Lock Dates; Which to Use on LAR?
Filling out a LAR
HMDA LAR Denial Reporting
Report First Payment on the HMDA LAR?
HMDA LARs – 09 De Novo Bank
Change Loan Back to Preapproval Status?
HMDA LAR – Business Purpose Loan
HMDA LAR - Boat Dock & Lake House Purchase
Revocable Living Trust & HMDA LAR Reporting
CRA Loans & HMDA Logs
HMDA – Repurchase of Loan
CRA LAR – Coding Group Homes
GMI on a HELOC - Home Purchase or Refinance
Collecting GMI on Loans Not Reported on HMDA LAR
HMDA Lobby Notice Posting
HMDA File Review - LAR Requirements
CD Secured Loan & the LAR
Tracking for Census Tracts
GMI Yi-Yi -Yi!
Home Equity Reported on the HMDA LAR?
Reporting FHA/VA Loans on the LAR
Pre-approval Confusion
HMDA Filing Help
What do the acronyms CAR and LAR mean?
HMDA - Reporting the Term of the Loan
HMDA - Transaction Secured by Other Dwelling
CRA Reporting for Community Development Loans
Multiple Properties -- What Gets Recorded on LAR?
Privacy, Compliance, and Disclosures
Is Home Equity 2nd HMDA Reportable?
HMDA with more than two applicants
Term Used for HMDA Rate Spread Calculation
HMDA LAR "Purchaser" Field Definition
What Determines if a Loan is HMDA-HOEPA
Occupancy on LAR, 2nd Home
HOEPA Test for Denials
What Do We Really Get From Monitoring Data?
Prequals Under HMDA
Reporting Small Dollar Withdrawn App
Guru Chatter on HMDA/HOEPA
Lien Status Reporting Under HMDA
HMDA Help
HMDA: Final HMDA Rules for 2004
Under the Revised HMDA Regs
New loan numbers for customers who reapply
LAR Information Recorded Without Monitoring Info
Reactivating a loan file as a result of a new application
Civil Money Penalties?
Regulations: Defining Application
Are Business Loans collateralized by dwellings reportable under HMDA on our LAR?
LAR Mysteries Explained


Late Payments/Charges/Returns/Fees
Is There Max Late Charge for Installment Loan?
Loan on Non Accrual Assess Late Charge Fee?
Backing out of Late Charges Violate DTPA?
Time Frame on Late Return Claims for Checks
Time Frame for Late Return Notice to Payee Bank
Compliance for Hold on Funds in Deposit Account
Late Payments of Hazard/Wind Insurance
Posting Time a Violation of Primary Residence Loan
Past Due Loan - Calling a Customer's Spouse
Reg AA & Late Fees
Credit Card Act Confusion
Employee Loan Policies
SCRA Notice in Past Due Mortgage Notices?
SCRA – Is 6% the Interest Rate or the APR?
Customer Refuses to Pay Escrow
Increasing Interest Rates on Past Due Loans
Mobile Home Late Fees
Late Payment Charges Paid by Escrow Funds
Untimely Positive Pay Exceptions
Paying Off Late Fees with Escrow Account Funds
Freezing a LOC - Adverse Action Notice
Limitations on Late Charges
Mortgage Late Fee
COBB Collection Letter
Guidance Needed on Late Charge Assessments
Return Fee and a Late Fee?
Late Return of Forged Item. Who Takes the Loss?
HELOC Late Fees
SCRA & Collection Calls on Past Due Credit Cards
Call a Loan Based on a Financial Covenant Violation
What Do We Do With the Overage?
Loan Fees & Late Fees (PDF)
Fraudulent Items
ACH returned late on closed account
Changing Late Fee on Existing Loans
Using Escrow Account Surplus for Delinquency
Should We ID Bank in Collector's Phone Message?
Late Charges and Escrow Analysis
Payment Deferrals on a Mortgage Loan
Collections Calls by Lender
Late Fee Begets Late Fee
Reg. AA and Pyramiding Late Fees
A Less Painful Collection Method
Military leave
Charging a Fee for Returned Loan Payments
Does Reg O Allow Waiver of a Director's Late Fee?
Balloon Mortgage Terms
Maximum Late Fee for Delinquent Loans
Reg Z, Late Fees, and Second Mortgages
Mortgage Notices: Late Charges & Due Date
Who Is Responsible For A Late Return?
Bankruptcy & Collecting Late Fees
Can we charge a late fee on a farm loan secured by real estate?
Endorsed Checks, Stop Payments, Late Return, and Liability
Late Return Responsibility
Late Return Claims
Late Fee Grace Period
Late Payment Interest
Calculating Interest On Late Payments
Late Charges & Past Due Loans
Slowing Economy: Advice For Lenders


Legal Opinions
Disclosing: Commercial Loan or Consumer Loan?
Box Relocations Provoke Lawsuits
UCC & Ambiguously Named Payees
Safe SARs
"Unconscionability" and Other Issues in Mandatory Arbitration Clauses
Email: Two-Edged Sword, Part II - Second Edge
Email: Two-Edged Sword
Prudent Precautions
Question & Answer
"Is It Ok To Deposit Checks Payable To A Corporation Into A Personal Account?"
COUNSELOR'S COMMENT
Federal Court Says "OK" To Pay Large Checks First
Do's and Don't's for DBAs
Who's Got The Power?
Counselor's Corner
Counselor's Corner
Counselor's Corner
Counselor's Corner
Counselor's Corner
Counselor's Corner
Fast Track Program
More On Subpoenas…Non-disclosure
Question & Answer
Cashing Checks For Non-customers
Counseler's Corner
Counselor's Corner
Counselor's Corner


Legislative Moves
Force Place Flood Insurance – Verbal Notification
HUD 1A - Rate Reduction
New Reg Z – Timing of Early TIL Disclosures
Loan Prequalification in a Post 7/31/09 World
HERA 2008
Temporary IRA Distribution Suspension Act of 2008
Status of Internet Gambling Bill
HR 946 - Overdraft Fee Bill
HR 323 & CTR Exemptions of Seasoned Customers
New Jersey Bill Would Mandate ATM Panic Buttons
States Looking at ATM Emergency Bills
Difference Between Act and Regulation
Regulations Online
Status of Check Truncation Act
"That Number Has Been Disconnected…"
FDIC Improvement Act Of 1991
Sympathy Is In Order…
IRA Change Proposed
Keeping Score
Wouldn't That Be Nice?


Lender Liability
ACH Origination Limit Subject to Legal Limit?
Presumption of Compliance Protection
A New Concept offers an Answer
Federal Regulations for Commercial Lending
Two Bad Loans Don't Equal One Good Loan
What Would the Jury Think?
Lender Liability Quiz


Lending
Loan to Pay Taxes Incurred on Income-Consumer?
Adding Co-Borrower to Existing Commercial
List of Homeownership Counseling Exemption
Exemption of Small Servicers-Loss Mitigation
Okay to Have Demand Feature On Note?
How Do Other Bankers View Loan Document Management Systems?
Regulation on Consumer Credit App Requirements
How to Determine Maturity Date Note/Agreement
Guidelines for Processing Large Vessel Loan
Capitalization If Don't Collect Accrued Interest?
Loan Proceeds Disbursed in Cashiers Checks-SAR?
Does Federal Reg Prohibit Sunday Closings?
FAA Security Agreement for Destroyed Engine
Are Vehicles Covered Under SCRA?
Can Correspondent Charge Origination Fee?
Regulatory Definition of A Secured Loan
Rescheduling & Restructuring of Loan Difference
What Constitutes Consideration-Lend to Entity
Charge Delinquent Uncollateralized Loan to Another
Guideline for Handling Unresponsive Lender
30/45 Day Time Frame for First Payment Date
30/45 Days From Date of Note on Installment
Close CC When Debt Consolidation Is Disbursed?
Loan Syndications from the Buyer Side
Max Interest for Unsecured Home Improvement
Guidelines for Loan Extension Agreements
Early Disclosures for Down Pay on Primary Res?
Liability and Guarantee of Loan/Signature
How Long Can Checking Stay Open After Death
How to Change Way to Apply Payment (Double Loan)
When to Provide Customer a Copy of Signed Docs
Borrower from Another State-Note from Bank State?
How to Inform Borrower that Application Approved
How to Inform Borrower that Application Approved
What Happens if Borrow Pays Lump-Sum on Loan
When is a Loan Maturity Notice Required?
When Is a Census Tract Considered Distressed?
Approving Unsecured Consumer Line of Credit
Definition of Greenlining
Requirements to Place Loan on Non-Accrual Interest
What is the Date on Commercial Loan App? (Reg B)
Closing LOCs b/c Dormant/Inactive for 24 Months
How to Title DBA Loan w/ Multiple Signers
Disclosures for Co-Signer on Consumer Purpose
"Prohibited Basis" Defined by the ECOA
Christmas Extensions for Consumer Loans (Fee)
Max # of Days for 1st Payment Due Date-Principle
Procedure for Reimbursing Interest Charges
Rule on Charging Fee Greater than Credit Report
Guidelines for New Student Loan Disclosures
Loan Due Date Falls on Holiday
Describing Collateral in Consumer Documents
What to Call Borrower on Loan to a Catholic Church
UDAP Laws Prohibit Late Payment Fee Based?
Lead Bank Extends Loan that is Participated-Rules
Passing Fee to Borrower for Trade Line Updates
Problem w/Auto Transfer Instead of Monthly Payment
2nd REM in Abundance of Caution-Early Disclosures?
Refinance Primary Residence-Changed Circumstance
Deferral and Mortgage Loan/Temp Finance
RESPA Apply to Bridge Loan w/ Principle Dwelling?
Permanent Financing have to Follow Construction?
Action Date for Correspondent Loans
Modification of Mortgage for Matured Loan?
Differences b/w Names on License/Title Documents
Deducting Escrow Balance from the Principal
Regs on Establishing Employee Loan Program
Restructure Loan Terms-New Application Required?
Providing Proof of Income on Non-Mortgage Products
When is FED BOX Total Sales Price on TIL Required?
Flood Zone A8 or B for Property Loan?
What Dictates # of Days Until the First Payment?
Pre-Approval v. Pre-Qualify for Auto Loan Special
Changed Loan Amount and Changed Circumstances
UCC Filings Required on Mobile Homes?
Rules on Loans from Cooperative Banks
Representative Payee and Extending Credit
New Guidelines for Qualified Residential Mortgage
New Gov Monitoring Info for Each Loan Renewal?
Requiring Family Member to Sign on Loan
Requirements for Mortgage Loan Officer NMLS ID#
Converting Balloon Loan to Business Loan
Pre-Approval v. Pre-Qualify for Home Loan
Extending Matured Loan and Expired Note
How to Lower Payments on Mortgage Loan
Signing Cross-Collateral Addendum
Late Fees on a Single Payment Loan
Loans to Full Time Farmers and Divorce Settlement
Fixing Incorrect TIL on Mortgage Loans
Residential Real Estate Loan in Business Name?
Modify Maturity and Extend Credit-New TIL?
Consumer Real Estate Loans w/ 7 Day Waiting Period
Commercial/Residential Regulation Information
Disclosures/Definition for Bridge Loan
Rule on Using Same Collateral for Several Loans
Info on Documents for Loan to City
Loan for Home Improvement Changed to Other Purpose
Conforming Loan Payment Notice
Loan Disclosures for Advances
Notice to Home Loan Applicant in Consumer's Name
Rule for Investment Purpose Loan
Adding Spouse to Title of Vehicle
Consumer vs. Business Purpose Loans
Disclosure Requirement for Bridge Loan
Temporary Loan for Home Improvement and RESPA
How to Document Loan that has Home as Collateral
Early Documents Required for Second Mortgage?
Reason for Providing Purpose of Loan on Contract
MLO and Anti-Steering
Pulling Credit Report
Reason for Providing Purpose of Loan on Contract
Who Signs the Assignment of Rents and Leases?
Extending a Loan Maturity
Reporting Consumer Loans on Land
Software to Track Commercial Loans
Loan Modification to Reduce Principal
Disclosing Terms on Mixed Rate Loan
Assumption of Note Upon Divorce
Disclosures Required for Loan Modification
Gold Bars As Collateral?
Disclosable Loans Requiring Summary Table
Loan Payment Received Before Due Date
Fraudulent Loan App - Requires SAR?
Flood Notice Requirement
Signature and Date Requirements on New TIL Form
Life of Loan Flood Determinations
Change in Loan Purpose
Redisclosing Payment Term After Loan Funded
Tolerance Error after Closing
GFE When there Is No Property
Does a Lending Officer have to be Licensed?
Doing Personal Loan without Mortgage Disclosures
Determining a Consumer Purpose Loan
Modifications or Refinancings?
Is Collateral Exempt from IRS Levy?
Calculating Monthy Interest Payment
Ch. 7 and Notice to File Claims
Payment Extension Fees and Modifications
White-out on Loan Documents?
Collateralized with Hypothecation Agreement
Charging an Advance Fee on Consumer LOC
LOC Frozen, Can it be Reinstated?
Chapter 303 Warning on Loan
Charging a Loan Origination Fee
Adding Charged-off Account to Loan
Future Advance Clause of Previous Loan for New Loan
Completing a Reg U Form
Revenue for CRA Small Business Loan
Loan Modification Before or On Maturity Date?
Checklist for Loan Denials
Order of Posting Loan Payments
Unsecured Consumer Lines of Credit
Combining Loans
Modifying a Real Estate Loan
Loan Application Approved
LLC's Only Signer Left the Company
Is there a Right to Rescind?
Construction Loans Segue to Permanent Financing
Wait Period and Reg Z
LTV Exception Report
Revocable Trust as Collateral?
APR Understated: Reimbursable Violation?
Borrowing from IRA
Refinancing a Spec Home in an LLC
Truth in Lending Tolerance
Disability Insurance as Collateral
Removing Cosigner Because of Divorce
Dealing with Patent Rights
Is a One Year Term Note a Balloon Note?
International and Domestic Lending
Changing Collateral on a Loan
Life Insurance on a Loan
Does SCRA Apply to Spouse's Loan?
Reg Z and Higher Education Loans
ROR & TIL Redisclosure - Timing of Funds Disbursal
Using an UTMA Account as Collateral
Not Your Average Lending Limit Question
Balloon Loan Modification & Extension
Supervisory LTV - Definition Needed
Loan Renewal - New Reg Z Rules Applicable?
Lending Production Office, FDIC Signs Required
What is a Hard-money Lender?
Loan Apps & Earlies
Inadvertent Reg O Violation
Are All Home Equity Loans HMDA Reportable?
Modifying Maturing Balloon Loans
HMDA Collection & Reporting Procedures
Time Share Purchase – HMDA Reportable?
New GFE - Payment Amount
Settlement Services – Saturday as a Business Day
HMPLs – Initial Rate Set for 4 Years?
HMDA - Loan Prequalification
HMDA - Multi-use Property Concepts
Home Equity Credit Lines – 7 Day Waiting Period
New Reg Z – APR Change Tolerance?
High Cost Loans – Non-HMDA Reporting Banks
Reason for Denying Loan
HPML – APR Lock In Date
Definition of Capitalized Interest
Wrong TIL Form Used for Sales Transaction
No Property Identified – Disclosures Apply?
Payment Receipts
RESPA - Renewing & Extending Two Liens into One
ROR – Undated Signature Line
HMDA & CRA Reporting – Farmland Loan
Contract for Deed – Refinance or Purchase?
ROR on Refinance of Consumer RE Loan?
Loan to a Corporation – Correct Application Form
Flood - Life of Loan Determination
Loan Participations
Commercial Revolving LOC - Maturity Date Change
Restrictions on Loan Secured by Bank Stock
No Mortgage Insurance – Give Amortization Schedule
Second Lien HI & HE Loans - Servicing Disclosure
RESPA - Loan Secured by Residential Property
HMDA Reporting – Condominium Units
Secondary Residence – ARM Disclosure
HPMLs & Balloon Payments
HMDA Reporting - Mobile Home Refinance
Mobile Home Loan - Fed Credit App Disclosure
Notice Required on Automatic Payment?
LTV - Used Auto Loans
Legal Lending Limit Change
Does Permanent Phase of Loan Mean New Application?
RESPA Pricing
Third Party Vendor Real Estate Evaluations
No Origination Fee on HI Loans?
Loan Amount Changed – Redisclose?
Refinance/Additional Money - New App Required?
Disclosures & ROR on Loan & Deed Assumption
No Servicing Disclosure in Loan Packets
HPML – Create Escrow After 4/1/10 Deadline?
HMDA Refinances - The Commentary Rules
Revised GFE & HUD - Disclose Property Taxes?
Flood Insurance - Wait Until a Triggering Event?
Loan Extension Fee
Subject to HPML Requirements?
Reg W - Lending Limits
Loan Renewal – Applicable Disclosures?
Stay Letter - Automatic Loan Pays
Fee Change – Additional Disclosures & Wait Period?
Flood Coverage on Non-residential Properties
Both Borrowers Sign Flood Zone Acknowledgement?
Late Notice Requirements
Loan Payment & Due Date Disclosures
Intent to Apply for Joint Credit - Effective Date
Loan Modifications & HPML Restrictions
RESPA – Disclosing the YSP on the GFE
GFE - New Tolerance Limits
HOEPA - Consumer Price Index
Appraisal Change – Counteroffer Letter Required?
HPML – ARMs Booked Prior to 10/01/09
HMDA – Mobile Home Purchase
Application Procedures
Early Disclosures on Existing Loans
Itemize Amounts on the TIL?
HPMLs & Quarterly Adjustable Rates
Maximum Amount of Flood Insurance
Doc Preparation Fee Guidelines
RESPA Disclosures Required?
Flood Zone Lending
HPML – Modified Construction Loan
POC Query
MDIA – New Set of Disclosures
HOEPA Worksheet for Loans after 10/1/09
Structural Foundation Inspection Fees
Timeframe to Provide Flood Insurance Follow Up
HPML – Calculating Repayment Ability
Account Required to Obtain a Comm Loan – Follow Up
Effective Date of Escrow Provisions
New Application Required?
HMDA Reporting – Show Mother as Grantor?
HPML Calculating
When is a Bridge Loan No Longer a Bridge Loan?
Final TIL – Indicate Correct Interim Interest?
Closing Protection Letter – Finance Charge?
Redisclose Improperly Disclosed Loan?
When is a Bridge Loan No Longer a Bridge Loan?
Final TIL – Indicate Correct Interim Interest?
Closing Protection Letter – Finance Charge?
Calculating the LTV
Guarantor on a Consumer Real Estate Loan
Adverse Action Notice – Technical Error
Disclose Each Time a Credit Report is Pulled?
HELOCs Subject to MDIA?
HMDA Reporting Threshold
HVCC Info – Which Reg?
Adequate Flood Zone Coverage
New Reg Z Rules - Matured Loan
Loan Denied – Disclosures Still Required?
CRA Investment Mortgage Security
Cash Secured Loan
Foreclosure Proceedings – No ROR on File
Early Disclosures on Mortgage Preapprovals
Reg Z – Timing of Corrected Early Disclosures
RESPA – Commercial Purpose Loan
HMDA Reporting – Bridge Loans
Change Loan Back to Preapproval Status?
Stock Loan – Consumer or Commercial?
Savings Account as Loan Collateral
Do a Modification or a New Note?
Credit Card Act – HELOC Statements
Credit CARD Act - Cash Reserve Accounts & HELOCs
Adding Property Taxes to the Loan
Mobile Home & the New Disclosures
Spouse to Be Signing ROR
HELOC Modification
Spouse Signing Disclosures
Reg O - Loan to a Director's Company
Spouse Signing Disclosures
Final TIL on a HELOC
Loan for Educational Expenses
Loan Modifications – Required Disclosures
Loan Denial for Non-bank Customer
HMDA Reporting Rules for Acquired Institutions
New Reg Z Rules - What is an Application?
Renewal Versus Refinance
Mortgage Loans Fees & the APR
Reg Z Early Disclosures – Add 3 Days for ROR Loans
Reg Z Disclosure – Open End LOC
The 21 Day Window
Construction Loan - Reg Z & RESPA Applicable?
New Seven Day Waiting Period
New Reg Z Rules - What is an Application?
Print Ad - Mortgage Lending Compliance
HMDA - Home Equity Term Loan Vs HELOC
New Reg Z – Redisclosure Required?
HMDA Data Collection - Source Documents
Reg B - Business Loan Credit Decision Timing
Account Required to Obtain a Commercial Loan
Commercial Loan - Appraisal Notice Required?
Giving Borrower a Copy of Mortgagee Title Policy
Loan & Filing Fees – Trigger ROR?
Packaging Fee
Info To Realtors
Mobile Home – Loan on Land
Date on Notice of Right of Rescission Form
Timeframe to Provide Flood Insurance
HMDA LAR – Business Purpose Loan
Force Placing Flood on Lapsed Policy
Reducing Line of Credit - RESPA Violation?
Three Rate Spread Questions
Flood Insurance - RV/Boat Storage Covers
HMDA Reporting - Home Equity Closed-end Loan
Closed End Loans – Billing Notices & Statements
Refinance or Renewal?
A Couple of Flood Insurance Q & As
Flood Insurance Coverage – Are We Underinsured?
Flood Insurance on Bank Owned Foreclosed Property
RESPA – Lot Loan Renewal
Report Cancellation of Debt – Continue Collecting?
Property Was Not in Flood Zone - New Flood Certification?
Agricultural Loan - Appraisal Notice Disclosure
Flood Insurance & Pole Barns
Trust is Not a "Natural Person"?
Loan Modifications & the Economic Crisis
Retroactive Flood Penalties?
No Change - Final TIL Required?
HMDA – Loan Renewal/Increase on Rental Property
Is Spouse Required to Sign ROR?
Unsecured/Signature Loans - HMDA Reporting
Mobile Home - Private Flood Insurance Required?
TILA Violation & Remedy?
Reg Covering Interest Only Open Ended LOC
HMDA - Owner Occupancy Designation
Updating Flood Insurance
Home Equity Loan to a Trust
HMDA – Loan Renewal/Increase on Rental Property
HMDA - Unaffixed Manufactured Homes
A New Concept offers an Answer
GFE Disclosure & Documentation
Incorrect TIL – Responsibility & Penalties
Increasing the Floor on HELOC Agreements
Secondary Market Mortgage Loan Disclosures
Reclaiming Money on a 2nd Second Mortgage
Multi-Family Property Reporting
HMDA Reporting - Permanent Financing
Deny Loan on Possibility of Diminished Earnings?
Board Approved Loan?
Phone Loan Application
Business Purpose Loan - RESPA Applicable?
Looking for a Cure
HMDA - Data Reporting Owner Occupancy
HMDA Re-file
ARM Loan - No Adjustment Schedule
Flood Map Revision
Flood Insurance & Mobile Homes
Flood Map Revision
Purchase Money Home Loan Refi – ROR?
HMDA LAR - Boat Dock & Lake House Purchase
Reg O – Sold Loans
Reg B - Completed Applications
Loan Guaranteed, Not Cosigned – Compliance Issues?
Advertise a Discounted Loan Payment
Real Estate Lending & Trusts
Credit Score Disclosure -Interim Construction Loan
Government Monitoring - Absent Joint Applicant
Business Loan Denial Notice
Premium Disclosure
Loan Rate for Army Reservist
Second Review for Denied Applications
ECOA Applicability - Joint Vs Individual Credit
Confirmation the Appraisal Notice was Provided
Appraisal Rules
Point & Fee Test or APR Test?
HMDA – Which Date Do We Use?
Condo Flood Coverage
All Signers Sign the ROR?
ROR on RV?
Home Mortgage Refinance - Flood Search Required?
Disclosures Within Three Days of Credit Report
Bank Debiting Account after Loan Charge Off
Quarterly CRA Reporting - Updated Income Levels
General Interest Law v UCCC
Loan Sold to Investor - Borrower Closing Costs
Loan To Cost Guidelines
Flood – Loan Secured by Leasehold Mortgage
Refinancing for a Better Rate – ROR Applicable?
Real Estate Transaction Fees
Land Only Loans - Early Disclosures Required?
Change in Terms Agreement
Definition of Permanent Takeout Commitment Needed
TIL Disclosure Statement - List Fees?
Reg Z - Lot Loan to a Family Trust
New RESPA Rules - Tolerance for Fees
RESPA – Compliance Vs Lender
Revocable Living Trust & HMDA LAR Reporting
Flood – 45 Day Notification/Waiting Period
Flood Certification Frustration
Flood Determination Request
Loan to LLC Sole Owner - HMDA or Purchase Money?
Lending & the E-sign Rule
Curing a ROR Notice Violation
Reg U - Purpose Loan Vs Non-Purpose Loan
HMDA – Loan Coded as Business/Residence Combo
ROR on Mortgage & HELOC Closing Simultaneously
Handling the Interest on a Loan Renewal
CRA - Logging Company a Small Farm Loan?
CRA Reporting - Small Business/Small Farm Loans
ROR on Mortgage & HELOC Closing Simultaneously
Handling the Interest on a Loan Renewal
RESPA – Short Term Loan
Fixing HOEPA Violations
Commercial Loans – What’s HDMA Reportable?
Reg Z - Inspection Fees in the Finance Charges
Do a Flood Determination for Each Property?
Combining Loans – Does ROR Apply?
HMDA Reporting – Mixed Used Property Loan
Adding Spouse to Open-End HELOC
Secondary Market Loans
Acquired HELOCS - Change in Terms
CRA Loans & HMDA Logs
Loan Modification – HMDA Reportable?
Three Year Balloon Mortgage
Owner Occupied Second Homes & Vacation Homes
HOEPA & Bridge Loans
Reg B – Joint Credit & Cosigners
Reg B Intent to Apply Jointly – Phone Application
Disclose Fees Borrower Doesn’t Pay?
GMI on Refinance Q & A - Clarification Needed
NDIP Referral Fees
HMDA Reporting - No Written Pre-Approval Program
Reg O - Bank Holding Company Chairman
Funds Disbursed Prior to ROR Date
Renegotiating Indefinite HELOCs
Refinance Denied – Send Adverse Action Form?
Mobile Home Loan a Residential RE Transaction?
Mortgage Ad and Trigger Term Placement
POD Account as Collateral on Loan
Banner Ad Trigger Term Placement
PMI - Send Out Amortization Schedule
HUD Fee Disclosures
Credit Verification Retention
Resubmit Disclosures in Surviving Spouse's Name?
Not Subject to HMDA Reporting – Collect GMI?
New Servicing Disclosure Statement Form
Sending Email Ads to Selected Brokers
No Flood Notice Given - Force Place Flood?
Definition of a Restructured Loan
Imposing a Default Rate of Interest on a HELOC
Reg Z - Open End Credit Line Increase
Duplex Refinance
Disclosure Required on LTV Ratios Change?
RESPA - No Disclosures Required?
New TILA Pre-Disclosure?
HERA 2008
Credit Bureau Reporting – Advance Notices
Overdrafts Covered by HELOC
RESPA -Residential Lot Loan Secured by Residence
Freezing an Unsecured LOC – Notice Required?
Credit Report – Signature Required on Phone Apps?
Mobile Home as Collateral – Do a Flood Search?
Balloon Loan - RESPA Disclosures
HMDA Reporting – Loan Secured by Lien on Dwelling
Force Placed Flood – Notification
Independent Appraisal – Notice Still Applicable?
CRA - Loan to Deposit Ratios
ROR on HELOC Renewal?
Fair Lending - Income Verification
HOEPA - Minimum Loan Amount Reporting
Credit Life/Disability Insurance Program
ROR on HELOC Renewal?
Fair Lending - Income Verification
Denied Loan Retention Schedule
Commercial Loan to a Sole Proprietorship
LTV Reporting Rule
HELOC Rate - Floating or Fixed?
Percentage of Exception Loans
Changing LTV Ratios
HMDA Reporting - Closed-End Lines of Credit
Preliminary TIL No Longer Required?
Loan Privacy Policy Documents
Loan Denial - Census Tract Number
Forty Year Mortgage HOEPA Test
Risk Based Pricing Model – No Historical Data
HMDA Reporting - Modified Construction Loan
GMI Data on Commercial Loans
Higher Priced Mortgage Loan Rules
HUD 1-A Form Line 1604
New Auto -Loan - First Payment 90 days
Flood Certificate – One Time or Life of Loan?
Question the Purpose of the Loan?
Unsecured Legal Lending Limit for National Banks
Car Dealer Indirect Loans – Application Process
Not a HMDA Reporting Bank - URLA Required?
Corporate Loan Regulation
Bank Querying Customer on Age & Retirement Plans
SCRA Notice in Past Due Mortgage Notices?
RESPA - Non-Borrowing Owner Sign Initial TIL & GFE
DIC Insurance Policy In Lieu of NFIP Policy?
Provide Copy of Appraisal on Commercial RE Loans?
Flood Insurance – Bank Owned Collateral Property
Purchase Force Place Flood Insurance on Day 46?
HMDA Reporting - Swimming Pool Secured by Dwelling
Adverse Action- File a Copy of the FCAI Disclosure
Flood - Life of Loan Certification Coverage
RESPA – Title Company Broker Fee
HMDA - Double Reporting?
15 Year Historical Example on a HELOC Disclosure
Interest Incorrectly Documented on Consumer Loan
State the Rate or Just the APR?
Converting Closed-End to Open-End Credit
Co-Borrower Added - Provide New Early Disclosures?
Deed of Trust as Collateral – Give ROR?
Multiple One Month HE Loan Extensions
Business Purpose Statement Form
Shares of Bank Stock as Collateral
SCRA – Report Delinquent History on Credit Report
HMDA – Repurchase of Loan
HMDA – Report as a Purchase or Refinance?
RESPA - Rental House Refinance
Flood Determination Date & ROR
Paying Tellers a Referral Fee – RESPA Violation?
Vacation Home Subject to HUD’s Reg X?
Internet Based Loan Applications
Tainted Appraisal?
Co-Signer Required to Sign the Notice?
SCRA – Is 6% the Interest Rate or the APR?
Additional Funds to Complete Home Construction
ESIGN or UETA
Mandatory Flood Coverage on All Buildings?
Business Purpose and Exempt from RESPA?
Loan Secured by Son's Home - HMDA Reportable?
HMDA Reporting - Selling a Participation Loan
Borrower Discontinues Loan Application
Business Purpose Statement
Disclosing PMI Provider
Collateral Mortgage on Parent’s Residence - ROR?
Definitions Needed
90 Days for Non-Accruing Interest Rule
Flood Insurance Rules & Commercial Condos
Revolving LOC Secured by CRE with a Low LTV
Obtain New Flood Determination at Extension?
Hold Car Title as Collateral Against Charge Off
Delay Disclosures Until Completed Application?
Reg O Reporting - Standby Letter of Credit
GLBA and Customer Information
Lending Office Issuing Cashier's Checks
Reporting Rules for Open-End & Closed-End LOCs
SCRA – When Does Active Duty Begin?
Flood Insurance - Additional Premium Owed
Construction Loans & Section 32 Guidelines
ARM Disclosure - Table Not Required?
CRA LAR – Coding Group Homes
Collateral & Purpose Codes
Travel Trailer as Added Collateral on Lot Loan
Classifying Farm Land for LTV Purposes
Equal Housing Lender Sign - Latest Version
Combining a Consumer & a Commercial Loan
Please Define RCBAP
Loan Officer is a Realtor - A RESPA Issue?
Reg B & Business Loans
Shutting Down a Revolving LOC – Compliance Issues
Reg O – Participation in Major Policy Making
No Customer Response - Send Another Action Notice?
HMDA Reporting on Entities
Timing of Early TILA Disclosure
Reg R Section 218.701 Compliance
Adverse Action Notice - Calendar or Business Days?
FDIC Ruling Applicable to Commercial Loans?
Entitled to SCRA Relief?
Non-Borrowing Spouse Signing TIL & RTC Forms
Mobile Home on Property – Loan on Land Only
HELOC - No ROR Required?
Mobile Home on Property – Loan on Land Only
HELOC - No ROR Required?
Loan APR Discount
Purchased Note - Treat as Refinance?
Adverse Action - Ex is Only Source of Income
Is the Assumption a Refi or Purchase Purpose Loan?
Assumable Mobile Loan - Which HUD Form Do We Use?
OCC WIN Calculator - Odd Days Interest
Update Original Reports & Use the Same Appraiser?
Broker Required to Send Servicing Disclosure?
Commercial Loan ARMs?
HOEPA - Combined Transaction Loan
HELOC Secured by a Second Home
Is This HELOC Renewal Considered a Refinance?
Property Deemed to be in the SFHA
Disclosing Vendors Used in a Mortgage Loan
Appraisers & the GFE
App Withdrawn/Denied - Collecting an Appraisal Fee
Reduce Interest on a Loan - Modification Needed?
Reflect All Fees on HUD Prepared by a Title Co?
My Home Is & Isn't in a Flood Zone
HELOC Suspension Letters - 202.9 Requirements
Adverse Action - Separate the Reasons for Denial?
Phone Apps & Collecting Government Monitoring Data
Reg B, HMDA & Pre-Approval Letters
Flood Zone Change & the Grandfathering Rule
Loan with an ROR - Date Interest Accrual Starts
Son Taking Over Deed & Debt
Retention of Declined Online Credit Applications
Customer Refuses to Pay Escrow
HMDA Reporting - Use Original Lock-in Date?
Must We Redisclose Thousands of HELOCs?
Only Current Customers Eligible for Credit?
Dedicated Regulation O Officer
Are We Required to Get Marital Status on Loan App?
ROR on Loan to Move a Home
Holding Check in Escrow During Rescission
Houseboat Purchase - HMDA Reportable?
ROR on Refinance of Non-Owner Occupied Home
Holding Check in Escrow During Rescission
Reg B - Separate Apps for Joint Borrowers?
Balloon Loan Modification Disclosures
Reporting HMDA Data to the Board
HELOC Modification Or a New Loan Required?
Seller Paying Fees Due at Closing
Advancing Funds on a Matured Line of Credit
Website Screen Record Retention
Disclsosures for a Complete App with a Property
Notice to Home Loan Applicant Required?
Maximum Number of Reasons for Declining a Loan
RESPA on Rental Homes
Change in Terms, No New Money, ROR Needed?
Disclosures to Father Who is Loan Co-Signer
Tolerance for an Understated APR Violation
HMDA - Swimming Pool Loan Secured by Automobile
Minor Auto Loan - Parent is Co-borrower
Providing Loan Disclosures - Maximum Time Allowed
Increasing Interest Rates on Past Due Loans
Houseboat Loan - Residential or Consumer Loan?
Credit Bureau Reporting Required?
401Ks & Qualified Retirement Plans as Collateral
Offering A and H Insurance on a Real Estate Loan
401Ks & Qualified Retirement Plans as Collateral
Second Homes Subject to ROR?
Mortgage Modification - No Need for Redisclosures?
Supervisory LTV Limits
ARM Product Disclosures
Manual Underwrite Recommendations
Bridge Loan Extension- Early Disclosures Required?
We Don't Do HMDA Reporting - Do We Collect Info?
Commercial Loan Referral - Paying a Finder's Fee
Flood Zone - Must Determination & Policy Match?
Spouse Not on the Loan - Collecting Spousal Info
FDIC Loan Definitions
Does this Loan Fall Under Reg U?
Adverse Action -What Reason Do We Give for Denial?
HELOC Documents
Special Information Booklet and Refinancing
Reg B - Father & Son Joint Applicants
Auto Debit Loan Pay - Signature Required?
Swimming Pool Loan Considered Home Improvement?
Who Completes the HUD 1?
Cash Out Loan - HMDA Reporting
Participation Loan Record Retention
HMDA Reporting - Multiple Advance Open Ended LOC
RESPA Bridge Loan Exemption
Automatic Rate Change - Mail Out Notice?
Dating the Application
Divorce & HELOCs
Mobile Home Flood Insurance - Guru Q & A Follow Up
HMDA Reporting - Home Purchase w/CD as Collateral
Trigger Terms on Rehab Loans
Extending a Balloon Loan - Disclosures Required?
Online Calculators
Separate Loan Apps for Unmarried Co-borrowers?
Reg B Form Signed on Commercial Credits?
HMDA Reporting - Office Isn't an Official Branch
Insurance Disclosures on Business Purpose Loan
Security Interest in a Savings Bond
Refinance New Note with No New Money - ROR?
ROR on Second?
Title Held by Husband Only - Must Wife Sign ROR?
Collect Applicant Info on Non-Reportable RE Loans?
Special Information Booklet Via Weblink?
Credit Report - Written Authorization Required?
HMDA - Extending a Current Obligation
GMI on Refinance
Refinance of Primary Residence - Collecting GMI
PMI Disclosures on Non-Owner Occupied Property
HMDA - Non-Reportable Bridge Loan?
Home Construction Loan - RESPA Applicable?
The HUD-1 and Lender Credit
Flood Insurance - Uninsurable House
Signing the Co-Signer Notice
Assignment of Mortgage - New Note Needed?
Denying Credit Based on Non-Citizenship
Flood Force Placement Notification Letter
Requesting Copy of Credit Report Pulled at Bank
Foreclosures and the effects of the subprime market
Examiner Verification of RCV on Comm Property
Purchasing a Home on Contract - ROR Required?
HMDA & Reg B - Temporary Financing?
HMDA Reporting - Commercial Loan Refinance
Business & Farm Loan Renewal Fee
Equity Line of Credit – Funds Disbursal
Tying a HELOC to the Prime Rate
Regulation Z - Phone Inquiries
Pulling Credit Bureau Report - Customer Notice
Certified Real Estate Appraisal Required?
RESPA Applicable to a Consumer Installment Loan?
Business Purpose HELOCs?
HELOCs Without a Maturity Date?
Reg O - Aggregate Lending Limit
Is a Faxed Signature Legally Binding?
HOEPA Rate Spread Amounts
Is the "Individual" a Consumer or a Business?
Removing Ex-husband from the Loan
Automated Underwriting System - HMDA Reporting
Credit Denial Form
Dating Flood Research Data
Calculating the Aggregate Adjustment
Hunting Camp - HMDA Reportable?
Lowering Rates on Existing Mortgages - Redisclose
Flood Compliance & Master Certifications
ROR Needed When Changing a Rate on Note?
Obtaining Credit Bureaus for Our Auto Dealers
Mobile Home Late Fees
Roll Attorney's Fees into First Mortgage?
Mortgage Rate Lock Fee
Deposit Account Required for Loan Approval?
Provide Another GFE?
Selling Consumer Loans - Notices Required
Independent Underwriter Appraisal Review
RESPA - Loan on the Land, Not the Mobile Home
HMDA - What Census Tract Info Do We Use?
Document Needed for HELOC Extension
Mobile Home Equity Loan?
BSA Retention Policy & Loan Documents
Deposit to Loan Ratio
Mortgage Credit- Requiring Deposit Acct Prohibited
HMDA Reportable - Tax Saver
Home Equity Loan - Final TIL
Insider Lending - Language in the Note
Loans to One Borrower Limitations
Interest-free Balloon Mortgage - Conforming Loan
Second Mortgage Balloon Rider
ROR Applicable on a Fed Reserve Holiday?
Effect of Interest Rate Calculation Change
Paying Off Late Fees with Escrow Account Funds
Lending DDA Funds
Using CML LOC as Overdraft Protection
Crediting the Aggregate Adjustment
Servicing Sold, Note Retained - Report Loans?
Annual Escrow Analysis Notice
The Auto Dealer, the Lender & the Credit Report
Change in Environment Changes Security Strategy
Simultaneous Closings - Early TIL on 2nd Lien?
Credit Card Reapplication Denied - Adverse Action?
In Search of a Real Estate Loan Spreadsheet
HMDA Data - Phone, Internet or Mail Applicants
Who Signs the ROR?
Funding on Warehouse Lines of Credit
IRS Reporting - Payments to Lawyers & Law Firms
Residential Lot Purchase - Maximum Regulatory LTV
P and I Payments - HMDA Reporting
HMDA File Review - LAR Requirements
Commercial Loan Record Retention
ARM Disclosures - Treasury Index Figure
Interest Reporting on Seller's Payments
Refinance or Purchase for Disclosure Purposes?
HMDA Rate Spread - HOEPA Disclosures
Pay Off Quote - Customer Notice
Documents Signed by Non-borrowing Owner
Limitations on Late Charges
Business Loan Collections
Construction Loan Converted to Perm Financing
Non-owner Occupied HELOC - ROR Period
RESPA Bridge Loan?
SCRA Notice - Mortgage Only or All Borrowers?
Hidden Trigger Term?
Flood Zone Re-mapping Notices
Commercial Loan?
Reg B Appraisal Requirement - Construction Loans
Home Equity Application
Purchase of Rental Property - ROR Applicable?
Appraisal Fee Reimbursement
Paid in Full?
Obtaining a Credit Report - Signed App Required?
ROR - Is an Addendum Enough?
Condo Flood Insurance Disclosures
Applicable Disclosures for an Apartment Purchase
HELOC Outside Banner
Fixed Equity Loans - HMDA Reporting Required?
HOEPA & Business Purpose Loans
Reg Z - Definition of Consumer
Equity Line of Credit - Exempt from ROR?
Loan Renewal - Flood Certification Notice
HMDA Reporting on Bahamian Condo
Rental Property Purchase - Final TIL
COBB Collection Letter
Addendum Conundrum
Boat Loan Documentation
Charge-off Amount on the Past Due Notices
POA Powers
Reg Z & Non-resident Aliens
Construction Loan Increase - New Note Needed?
HMDA Reporting - Refinance of Rental Properties
Waiving a Loan Administrative Fee
Dry Dock Slip as Collateral
Timeframe for Pulling Flood Determinations
ROR Given on the 4th Business Day?
Auto as Additional Collerateral on a HELOC
Remote Capture - Legal Lending Limits
RESPA and/or HMDA Applicable?
GMI - Finance Purchase Price of Primary Residence
Landlord's Waiver
Construction Loan & ROR
Flood Insurance Shortfall
Which Lending Laws Apply on Inter-State Loans
RESPA Escrow Rules
Texas Property Closing
Loan Denied to Illegal Alien -- Follow-up Question
Flood Insurance on a Single Unit of a Rackaminium
What are Goods and Services in Lending?
Real Estate Lending Standards - Part 365
Collateral Release
Private Non-federal Student Loan Program
Applications - 3 Day Disclosure Period
Reg O - Keep Names Private?
Schumer Box
Property Value Determined by Tax Value
OREO Property - Special TIL
Is this Renewal HMDA Reportable?
Credit Checks- Bad for the Borrower?
Future Advance Clause
HMDA - Motel Loan
Is This Loan Subject to the Regs?
Annual PMI Notice
Security Interest in Railroad Cars
Lender Signature Required on URLA?
RESPA - Temporary & Permanent Financing
Renewal Notes
Balloon Note Secured by a Deed of Trust
Informal Partnership Lending
Income for Home Loan Qualification
Charging a Credit Report Fee at Closing
Rating Lenders on Performance - Pros and Cons
HMDA Definitions of Ethnicity
Two Flood Certifications/Determinations Needed?
Title Updates
RESPA - Bed & Breakfast Loan
Send Stock to be Re-registered
Form 1098 - Mortgage Interest on Rental Propery
Credit Denial Record Retention
a href="http://www.bankersonline.com/lending/guru2006/gurus_ldng120406a.html">Disclosing the Annual Estimated Real Estate Taxes
Statutory Bad Debt
Obtain & Retain Borrower's Signature on SFHD
Waiving the Right of Rescission
Cosigners and Guarantors
Reg O - Board Approved Revolving Line of Credit
Closed-end Indirect Lending Auto Loans
Timing of Force Place Flood Insurance Notification
Separate Negative Credit Reporting Notices
One Party Pledging Multiple Party CD
Homestead Rights
"3 Day Docs" Signature Time Frame
Mobile Home Lending and the UCC
RESPA Exemption for Interim Financing?
Wrong Credit Report
Shady Auto Loan Customer
Gas Certificates - Reporting
2nd Home Purchase 50 Miles from Primary Residence
Reopening a Closed Credit Card Account
Reg B - Intent to Apply for Joint Credit
Trigger Date for Phone Application Disclosures
Charging Interest During the Rescission Period
Defining Temporary Financing, Then & Now
Loan Officer's Legal Lending Limit
Loan Officer Signing Phone/Mail Applications
Loan Customer an Existing Customer for CIP?
HMDA and the Reverse Mortgage Loan
Digital Storage Fee a Finance Charge Fee?
Escrows & the Aggregate Adjustment
Add an Overdrawn Account Balance to a Loan?
Disclosing Relationships with Bank's Providers
Reg O - Credit Card Extensions of $15,000 or Less
Internet Lending Compliance Issues
Commercial Purpose Loan Made to an Individual
FIRREA Business Loan Exemption
Katrina's Devastation Leads to Loan Denial
Conflict Over Meaning of Abundance of Caution
Unsigned Commercial Loan Application
Does SCRA Apply to Employees of the Military?
When is Proof of Flood Insurance Required?
Refinance of Manufactured Housing
ROR - Bona Fide Personal Financial Emergency
Refinance of Manufactured Housing
HELOC - Notice of Right to Rescind
ROR - Bona Fide Personal Financial Emergency
Over-disclosing on the TIL
Bridge Loan Secured by an MMA-HMDA Reportable?
Taking a Security Interest in a Radio Station
Loan officer/Realtor - Disclosure of Dual Roles
Please Define DSCR Requirement
In Search of a Decision Tree Module
Commercial Real Estate Loans Reg B Reportable?
Separate Flood Insurance on Individual's Condo
VIN Number in the Fed Box
Assumption Language on Construction Loan Disclosure
Flood Determination on Lease of Airplane Hangers
LLC Loan - Lending Limits for Guarantor
Collecting GMI When Borrower is a Trust
Examples of Collection Letters
Solicitation Letter, APR, and Disclosures
How Often De We Request W-9 Form?
Determining Reduced Payment Amount under SCRA
Federal Regulations for Commercial Lending
How Soon Must Flood Determination Be Pulled?
The Right to Cure
Lending to a Numismatist
Rescission on property titled in LTD Partnership
Compliance Requirements for Lenders to Consider?
Negative "Amount Paid to Others on Your Behalf"
Annual Financial Statement on Consumer Loan
Adverse Action Notice Without Reasons
Is New Application Required for RE Modification?
FI's liability on Indirect Loans & FCRA/FACTA
SCRA and Sub-6% Mortgage Loan
Determining Reduced Payment Amount under SCRA
Legality of Consumer Balloon Notes
Launching a Risk-based Pricing Program
Financial Statement on Another Bank's Forms
Commercial/Residential Loan -- Consumer?
Mortgage Applicants Causing Non-Compliance?
Lending referrals
Re-disclosure By Wholesale Mortgage Lender
FBI Reports Mortgage Fraud Running Rampant
Predatory Lending: The Study and a Verdict
Updating Loan Policy to Reflect FACTA Changes
Construction Loans
Commercial Lending Advisor
Reg Z - Definition of Agricultural Land
Lending Extravaganza Week
Subject to Lending Test & Reporting Requirements?
Three Days Starting From When?
Is the Competition Breaking the Law?
Is this application withdrawn, incomplete, or ???
Indirect Lending Statements
Consumer loan billing
Differences and Definitions of Loans
8 Months of "Special" CRA Reporting?
Notary Witnessing Mortgage with Two Signatures
Does Risk Based Price Need to be Validated?
Formula for APR on Mortgage Loans
Are Renewals Enforceable Without a New Note?
Credit Dispute Checklist
Origination Fee vs. Points
Can We Exempt this Loan from Regulation Z?
Referral Fee for Commercial Loans
Is a Monthly Statement Required on Open End?
Lending referrals
Realtor Referrals
Rescindable Purchase Money Agreement
Lending & Mortgage Departments Share Credit Report
Loan Classification Triggers
Disagreement on maturity dates
Reg U coverage triggers
Who Are Americans?
Flood again, with a different wrinkle
Is This Servicemember Protected by SCRA?
Lending Reports to the Board of Directors
Copies of IDs in the Mortgage File, Yea, Nay?
Making Affordable Housing a Reality
Cutbacks: Helping Small Businesses
Real Estate Lending Cheat Sheets
Dual mortgage origination structure--compensation
A Little Bit of Optimism Shows Through
Requesting Copy of Commitment Letter
Certificate of Non-Cancellation
Affording a Home in High-Cost Areas
What actions should my institution take in order to expand our Assessment Area(s)?
Lending against Holding Company Stock
Lending More for Debt Servicing
Font Size Specifics
Not For Sissies
Limits Built In
Overdrafts Moved to Clerical Position
Using Wireless For Employees
If a Condo Association Decides Not to Rebuild ....
Indirect Lending Pricing Question
Signature to Affirm No Rescission
SCRA Rate Change After Discharge
Business Loans and Disclosures
New federal law addresses bank, military service member relations
Guru Chatter on Lending Disclosures (PDF)
What Reg 0 amount to report?
Using CDs as Collateral
Construction Loan Term Limits
Annual Financial Statements
Usurious Loan with CD Collateral
Putting Bank's Charter Number on Flood Form
Motel Loan HMDA Reportable?
High Cost Mortgages: The Unsimplification of Truth in Lending
E-Disclosures for Real Estate Loans
Documenting Receipt of Copy of Appraisal

Lien Release Timeline
Making Loans to Illegal Aliens
Credit Scoring and Fair Lending
Altering Collection Notes
Difference in Points and Origination Fees
Combining Income of Unmarried Co-Applicants
HMDA Info on Brokered Loans
Rescission When Owner Is Not Borrower
Exception to LTV Ratio
EHL Logo Sought
What CRA is Really About
Incomplete mortgage applications
CRA: Looking At CRA The Hard Way
Payoff-Related Fees
Disclosures of Fees on Commercial Loans
Signatures on ARM Disclosures
Variable Rate Credit Cards
Disclosures on Pre-quals and Preapprovals
Documentation: Necessary For Everything
Complying with HOEPA
HMDA: How Did HMDA Happen?
Mortgage Survey for Customers
Finding Other Lenders' Marketing Materials
Counteroffers and Denials on Dealer Apps
Renewing Principal and Interest
Appraisal Fees on Construction Loans
Lot in Flood Zone; Building Not
Application Fee vs. Third Party Fee
Finding a Real Estate Matrix
Figuring Income When Some Is Tax Exempt
SSCRA & Rate Caps
Perfecting a Lien on Aircraft
HMDA Triggered by Pump Repair Loan?
Lender's Reimbursement for Rent
Co-applicant vs. Co-signer
"Financed By" Signs
Right of Offset
Reaffirmation in Chapter 7
Pledging a Jointly Owned CD as Collateral
"Customization" of HELOCs
Sub-Prime Lending: Agencies Propose to Collect Sub-Prime Loan Information
Loan disclosures & state law
Cross-collateralization clauses
Limits on Loan Payment Extensions
Servicing Disclosure on Denied Applications
Lending: Preparing "Fringe" Borrowers to Qualify
CIP and Indirect Lending
Balloon Mortgage Terms
Getting Started with Open End Credit
SSCRA Rate Adjustment
RESPA and a Construction Loan
Signing One Form for All Disclosures
Is SSN on Mortgage Illegal?
Guarantor's Right to a Copy of Note
HMDA Data Collection for 2003
Settlement Fees - Attorney vs. Settlement Company
Overriding lending policy
HOEPA Disclosures & Closed-end Home Equity Loans
Reg Z: Consumer vs. Commercial Loan
Doc Prep Charges on the HUD-1
SSCRA Applicable to Enlistees?
Rescission: Disbursing Funds Without Signature
Written Notice for Changing Equity Line Terms
Early TIL for "To Be Determined" Purchase
TIL Disclosure: Required Deposit & Demand Feature
Reg C, HOEPA, and Maturity
TIL Disclosures for Loans to Trust
Taking Delinquent Loan Payments From A CD
Adding A Question To Equity Line Credit Application
ARM (LIBOR) Interest-only Loan Calculation
What is the definition of "unimpaired capital"?
Multiple Problems With Old Mobile Home Loans
Special Financing for Flood Victims
CIP & Mortgage Lenders
Is a mobile home loan rescindable?
Are your Internal Controls like Swiss Cheese? Part 8
Using UTMA Account As Loan Collateral
1098 Reporting & Motor Home Loan
Construction Loans & ROR
Offering Loan Products In Spanish
Placing Floor Rate On Existing HELOCs
Student Lending Incentives
Small Business Owners & Credit Evaluation
Escrow Analysis Audit
Bridge Loans & ROR
Consumer Construction Loan Disclosures
What are the maximum interest rates on CD loans?
Loan To A 16-Year-Old
Using Maiden Name On Loan Documents
Can We Convert Balloons To ARMs Prior To Maturity?
Real Estate Employee Referral Incentive Programs
Predatory Lending under Regulatory Scrutiny
Extending Credit To Employee Secured By ESOP
Modifying Secured Loans
Condo loans & flood insurance
Flood Certifications & Balloon Loans
Does the renewal of a crop loan require a new UCC?
Real Estate Loan To Illegal Immigrant
Community Bank Student Loan Program
Lending to Businesses with Cash Flow Problems
Reactivating a loan file as a result of a new application
Credit Score Disclosure and Internet Applications
When is a Web Application an Application?
Faxed Mortgage Loan Application
Retention of Denial Documentation
AA on Loan Application - 2 SARs Filed on Customer
Reg. B and Small Business Lending
Real Estate Application Requirements
Loan Denial Notice
Form 1003 and Joint Intent
Joint Applications -- Special Procedures?
Application fees, credit reports, and disclosure
HMDA -- Recording a Withdrawn Application
Font Size Specifics
When Are Early Disclosures Required?
HMDA, Home Purchase Loans and the "Date of Action"
Timing of Insurance Disclosures
Are Internet Applications Like Mail Applications
Collecting Government Monitoring Information
Loan Denials for Third Party Applications
Credit Bureau Reports Without Written Permission
Disclosures at Application
"Joint Credit" Acknowledgments on FS Updates
Permissible Purpose to Access Credit Reports
Determining Joint App Intent Over the Phone
Reg. B -- Withdrawn Application
Joint Credit Notice on Mortgage Applications
Documenting the Loan
Birthdates for Loan Applicants
Removing an Applicant, New Application?
Birthdates for Loan Applicants
Removing an Applicant, New Application?
ECOA Notice Requirement
Industry Standard for Documenting Joint Apps
Wording for Consumer Loan Apps
Complaint Resolution Under RESPA
Incomplete mortgage applications
Application Defined for Early Disclosures
Withdrawn mortgage applications & disclosures
Lien Status Reporting Under HMDA
Prescreening on an Individual Basis
Loan Applications & OFAC
Denials, withdrawals, or incomplete applications
Issues with Applications in PDF Format
CIP and Birthdate Info on Loan Apps
Loan Apps and CIP Changes
Is new information required on every application?
Online Loan Applications, Disclosures, and CIP
Changes in Monitoring Information Collection
Telephone Mortgage Applications & Required Early Disclosures
New loan numbers for customers who reapply
Using Maiden Name On Loan Documents
Retention of Loan Customer Driver's License Info
Real Estate Loan To Illegal Immigrant
"At the time of application…"
Using Real Estate To Secure A Car Loan


Lending Limit
Legal Lending Limit for State Chartered Bank
Procedure For Power of Attorney In An LLC   FDIC Lending Limits for Individual Loans 2009-10
Not Your Average Lending Limit Question
Loan Guarantees & the Legal Lending Limit
Unsecured Legal Lending Limit for National Banks
Remote Capture - Legal Lending Limits
Reg O - Readily Marketable Collateral
Reg O - Single Insider Aggregate Lending Limit
Over the Legal Lending Limit?
LLC Loan - Lending Limits for Guarantor
Limits on Lending to Affiliates
OCC addresses real estate lending calculations, limits
Legal Lending Limit

Letter of Credit
Must Letters of Credit be on Balance Sheet?
Cross-collateralized LOC Loan
Letter of Credit Refusal Notice Defects Lead to Liability
Voest-Alpine Trading USA Corporation v. Bank of China
Letter of Credit Refusal Notice Defects Lead to Liability

Levy
FTB Levy On Joint Account w/ Different Addresses
Guidelines for Notifying Customer of Received Levy
Does This Levy Affect That Account?
Place Tax Levy on Trust if SSN Are the Same?
IRS Levy on Account w/Return Check NSF
Sample Letter Telling Assets Have Been Frozen
Compliance Responsibility Non IRS Levy
Does IRS Levy Exempt Social Security Benefits?
Place Hold for Levy on Estate Account?
Does an IRS Tax Levy Apply to Protected Funds?
Is an HSA Account Subject to Levy?
Account w/ Convenience Signer Subject to a Levy?
IRS Tax Levy-Available Funds to Hold
Federal/State Tax Levies and New Garnishment Rules
Levy on an "In Trust With" Account Title
State Sales Tax Levy on LLC Account w/ EIN
IRS Levies and Garnishment Rules
Levy Hold and OD/NSF Fees
Does Levy on Account take Precedence?
Worker's Comp Settlement Exempt from Levies?
Levy for Deceased Customer
Tax Levy on a Trust Account
Procedures for Handling Third Party Claims
Levies & the Right of Offset
Notice on Account Freeze, Levy or Garnishment?
DBA Account Levy
Customer Levy - Hold on Zero Balance Account?
File a SAR on Levied/Garnished Customer?
Authorized Signer Avoiding a Levy or Garnishment
Bank Execution Against an Individual
IRS Tax Levy - Funds Less than Amount Levied
Levy on Account Receiving SS Deposits
Levy the IOLTA Too?
Are We Aiding Customer in Avoiding a Levy?
Notice of Levy Extends to Loans, Too?
Child Support Enforcement Levy
Tax Levy or Garnishment on a IRA Account
Reg DD - Garnishment & Levy Fees
Garnishments and Levies (PDF)
Levy on Pledged CD
Can We Collect Our Fees Before Paying a Levy
Service of Tax Levy or Garnishment Papers
Can a Levy Access a Line of Credit?
Levies on Dormant Accounts
IRS Levies, Primary Accountholders, and Beneficiaries
Can we place a hold on VA benefits when we received a levy?
Levy: Do we use the balance at the beginning or at the end of the day?
State Tax Levy On An Individual: Which accounts do we charge?
Personal Tax Levy & Business Account
Social Security Deposites & Levies
Tax Levies & CDs

Lien
Take A Default Judgment That Is a Lien?
State Lien Sent To Branch In Another State
Liens on Sole Proprietorships
HMDA Reporting – Loan Secured by Lien on Dwelling
Funding on Warehouse Lines of Credit
Vehicle Lien Filing Fee
Is a Chattel Mortgage Always Required?
Lien Position on Loan Secured by CD
Taking a Deed of Trust as an Abundance of Caution
Servicing Transfer Notice
Documentation for "Abundance of Caution" Liens
Which Takes Priority, the Levy or Lien?

Does the Spousal Signature Rule Affect Perfection?
Purchase Money Loan for Wedding Ring
First or Subordinate Lien?
Perfecting a Lien on Aircraft
Advance To Debtor After Guarantor's Bankruptcy Upheld
What if a lien is mis-filed?
Renewing A Collateralized Loan: Do we have to re-file the lien?

Limited Liability Company (LLC)
Sole Member LLC Passed Away-Now Estate?
List Business Entity As Only Owner for LLC CTR?
Can LLC w/ SS# Have More Than One Signer?
Documentation for Changing Name of LLC
Can Corporation Change to LLC and Keep Account?
Deceased Single Member LLC Account
Docs to Support A Sole Member LLC to Use SSN#
Go After Both Members of LLC or Only 1 Who Signed?
Operating Agreement Required for an LLC?
LLC Note for Limited Liability Company
Open Business Acct. w/ 2 LLC's and 2 DBA's?
2 LLC's own the same Sole Proprietorship?
Opening LLC Account w/ Social Security Number
Limited Liability Co. and Money Market Account
Sole Proprietor becomes an LLC-New Account?
Documents for LLC Business to Open Trust Account
Can LLC open an account as DBA under another LLC?
How Can LLC Earn Interest in a Checking Account?
Multiple LLCs Sharing the Same EIN
Distributing Funds from Single Member LLC
Joint PLLC, but Only One SSN
Signer of LLC Account is not on LLC
LLC's Only Signer Left the Company
Adding a New Signer to Multi-member LLC
Depositing Trust Checks in an LLC Account?
Husband and Wife Considered 'Sole Member'?
Beneficiary on Single Member LLC
Signers on an LLC
Limited Liability Companies and NOW Accounts
Corporate or LLC Loans - Who Signs the Loan Docs?
Can an LLC have a NOW account?
Death of Business Principals
Trust and LLC with a DBA?
CPA Says SSN Okay for LLC
Correct CTR Completion for SMLLC
Correct CTR Completion for SMLLC
EFT Agreements and Business Customers
LLC Checks Deposited into Personal Account
Signer’s Responsibility on LLC Account
HMDA - Data Reporting Owner Occupancy
LLCs & Right of Survivorship
Titling an LLC With a SSN
CTR - Separate Deposits in Same Owner LLCs
Improper LLC Endorsement?
LLC Account Opening
SSN for a Single Member LLC?
LLC Owned MMDA
HMDA Triggering Loan
LLC with a POD?
Two Separate LLCs, Same Owner & Same EIN
Business LLC & DBA - Two Separate Entities?
Now Account Owned by LLC - Options & Penalties
Remove Incarcerated Member from LLC Account?
Residential or Commercial?
LLC Ownership of a Money Market Deposit Account
LLC & LLP Loan Documentation
LLC Certificate of Formation
LLC Documentation - Adding or Removing a Signer
Changing from Sole proprietorship to LLC
Borrowing on Home Owned By a Business
LLC Client Doing a HELOC on Personal Residence
LLC Acct Overdrawn By Director, Reg O Violation?
Should We Allow Cash Back on LLC Deposit?
Power of attorney and LLC
POD on an LLC
LLC Owning an Interest-Bearing Account
LLC Using a Social Security Number
Proper TIN for LLC
LLC Accounts: SSN or TIN?
LLCs and NOW Accounts
What types of accounts is a LLC allowed to have?
Can an LLC be liable for the debts of its sole member?

Living Trusts
Waive Penalty if CD Isn't Mature/Deceased Trustee?
New Successor Trustees Apply for EIN# (Trust)?
Add Authorized Signer to Revocable Trust?
Restyling Revocable Trust After Spouse Dies
Make Cashier's Check Payable to Customer or Trust?
Living Trust - CIP the Beneficiaries?
Living Trust.. SSN or EIN?
Step Children as Qualifying Beneficiaries
Sufficient Information for CIP on Revocable Trust
Reg E - Debit Card for Trustees of Living Trust
Who is the Owner of a Living Trust Account?
Signers on Trust Accounts
Can this Trustee Resign?
Authorized Signers on Trust Accounts
Living Trusts & POA
Leasing a safe deposit box to a trust
Classification of Trust Account
TIL Disclosures for Loans to Trust
A HELOC for a Living Trust?
Adding A Living Trust As POD
Can a living trust have a NOW Account?
Does Reg Z (Rescission, or Sec 32) apply to a "Living Trust"?
Using SSN As TIN For A Irrevocable Living Trust?
Loan To A Living Trust: Required Documentation
Home Equity Loans For Property Owned By A Living Trust
Living Trusts & Sole Proprietorships

LLC
Name/TIN Matching on an LLC


Loan Application
Asking for Marital Status on Loan App Requirement
Use and Occupancy Fee Considered APR Fee? 
Rescinding a Transaction: Start Loan From Scratch?
Change Loan Back to Preapproval Status?
Phone Loan Application
Reg B – Listing Order of Applicants
Reg B - Completed Applications
Mortgage App and E-SIGN
Applications Online
Collecting GMI on Loans Not Reported on HMDA LAR
Reg B - Application Signed With a "Courtesy Title"
Reg B - Dual Signatures
Must GMI be in Customer's Handwriting?
Reg B - Business Credit Joint Applicants
Reg B Inquiries
CRA Branch Notice Requirements
Correcting the Applicant's GMI
Applications - 3 Day Disclosure Period
Monitoring Information - Co-applicant not Present
Notice to Home Loan Applicant Disclosure
Loan Denial Based on Net Worth
Selling Mortgage Applications
Appraisal Fee Refund & Notice
OFAC Check on Seller of Property
Pre-approval Confusion
Fact Act Letter
Lender Signature Required on URLA?
Loan Denied to Illegal Alien- Adverse Action?
Notice to Home Loan Applicant Disclosure
Application Withdrawn if Documents are Signed?
Reg B Loans - Retirement Contributions as Income
We Don't Report HELOC's Under HMDA, However...
Credit Life Financed on Home Loan, GMI Required?
Co-Signer/Guarantor Notice after Denial
Reg B - Intent to Apply for Joint Credit
FACT Act - Forms, Timing of Notices & Disclosures
FACTA Confusion - Sharing Information w/Affiliates
Disclose "No Purchase Necessary" in Sweepstakes Ad
88 Year Old Applying for a 30 Year Mortgage
Another Joint Application Question
Sending Out a Commitment Letter
No Loans to Non-US Citizens, Disparate Treatment?
Declining a Joint Application
Can It Be Either/Or?
HMDA (PDF)
Lending referrals
Dual Monitors Vs. Full Screen Applications
Denying business credit: written or oral notice?
Do We Now Need Business Loan Applications?
Bare-bones Application
Checking Applicants and Signatures
Reg B Application Requirements
Joint Applications/Loans Sold on Secondary Market
Form 1003 -- Residential Loans Only?
Electronic loan processing question
Credit Score Disclosure and Internet Applications
When is a Web Application an Application?
Faxed Mortgage Loan Application
Retention of Denial Documentation
AA on Loan Application - 2 SARs Filed on Customer
Reg. B and Small Business Lending
Real Estate Application Requirements
Loan Denial Notice
Form 1003 and Joint Intent
Joint Applications -- Special Procedures?
Application fees, credit reports, and disclosure
HMDA -- Recording a Withdrawn Application
Font Size Specifics
When Are Early Disclosures Required?
HMDA, Home Purchase Loans and the "Date of Action"
Timing of Insurance Disclosures
Are Internet Applications Like Mail Applications
Collecting Government Monitoring Information
Loan Denials for Third Party Applications
Credit Bureau Reports Without Written Permission
Disclosures at Application
"Joint Credit" Acknowledgments on FS Updates
Permissible Purpose to Access Credit Reports
Determining Joint App Intent Over the Phone
Reg. B -- Withdrawn Application
Joint Credit Notice on Mortgage Applications
Documenting the Loan
Birthdates for Loan Applicants
Removing an Applicant, New Application?
Birthdates for Loan Applicants
Removing an Applicant, New Application?
ECOA Notice Requirement
Industry Standard for Documenting Joint Apps
Wording for Consumer Loan Apps
Complaint Resolution Under RESPA
Incomplete mortgage applications
Application Defined for Early Disclosures
Withdrawn mortgage applications & disclosures
Lien Status Reporting Under HMDA
Prescreening on an Individual Basis
Loan Applications & OFAC
Denials, withdrawals, or incomplete applications
Issues with Applications in PDF Format
CIP and Birthdate Info on Loan Apps
Loan Apps and CIP Changes
Is new information required on every application?
Online Loan Applications, Disclosures, and CIP
Changes in Monitoring Information Collection
Telephone Mortgage Applications & Required Early Disclosures
New loan numbers for customers who reapply
Using Maiden Name On Loan Documents
Retention of Loan Customer Driver's License Info
Real Estate Loan To Illegal Immigrant
"At the time of application…"
Using Real Estate To Secure A Car Loan

Loan Files
Deadline for 2013 Uncompleted Tax Returns
Can Primary Residence Originate As Agriculture?
Mortgage Closing Docs Need to Contain Loan#?
Adverse Action- File a Copy of the FCAI Disclosure
BSA Retention Policy & Loan Documents
Rescission & Loan Doc Date Dilemma
Must TIL Disclosure be Signed & Kept Filed?
Signing for Disclosures
Boat Loan Documentation
CIP Proof in the File
Renewal Notes
Signed TIL Missing from Credit File
Copy of Green Card in the Loan File
Motor Vehicle Titles
Copy of Drivers License in the Credit File
Copies of IDs in the Mortgage File, Yea, Nay?
Legalities of Copying a Driver's License
Signed Affidavit Stating Customer Won't Escrow?
Keeping Employee Credit Reports in a Separate Loan File
Inspections Are Good. Repeat.
Transfer of Servicing Notice Signature Requirements
Checking Applicants and Signatures
Reg. B -- Withdrawn Application
Copy of ID in Loan File OK?
Documenting the Loan
Retention Period on Home Equity Loan Files
Altering Collection Notes
Retention Period on Home Equity Loan Files
Retention Period For Lending Documents
Documentation: Necessary For Everything
Denials, withdrawals, or incomplete applications
Auditing loan files
Reactivating a loan file as a result of a new application


Loans
30 Day Out Of Debt Covenant Period
Bond Required to Refi Public Water Tower
Legal to Finance Auto w/Tax I.D. Number?  
What Is A CIT (Modifying Loan Documents)?
Modifying Consumer Car Loan to Lower IR
Different Origination Fees for Each County?
Docs Required to Lower Interest Rate on Existing Loan
Regulation on Who Can Deny Credit
Reg on 45 Days from Note Date for 1st Payment
Limit on Days from Closing 1st Payment Can Be Due?
How to Calculate IR on Certificate of Deposit
Usury Rates- Interest Rate 10% & APR Over 10%?
Type of Loan to Payoff Existing Student Loans
Matured Loan Still an Enforceable Debt?
Loan Servicing Transfer (Real Estate Portfolio)
What Makes for an LTV Exception?
LOC Frozen, Can it be Reinstated?
Accepting Credit Card Payments by Telephone
Joint Credit Addendum for Commercial Loan
Settlement/closing and Settlement
Monthly Payments on Single Pay Note
Is a Loan Proceeds Check a Cashier's Check?
Consumer Purpose or Business Purpose Loan?
Interest Rates for CD-backed Loan
Posting Time a Violation of Primary Residence Loan
Supervisory LTV - Definition Needed
SAR Filing - Customer Sold Loan Collateral
LOC Payment
Mortgage Servicing Transfer Disclosure
Individuals Signing as Guarantors
Selling Commercial Loans – Privacy Issues
Past Due Loan - Calling a Customer's Spouse
Presumption of Compliance Protection
New GFE – PIW Fee Part of the Origination Fee?
RESPA – Title Insurance & Service Fees
Valid Appraisal – Date Range
Reg B/ECOA - Intent to Apply Jointly
Reg Z - Auto Loan Admin Fee
HMDA Tracking - Denied/Withdrawn/Incomplete Loans
HMDA - Reporting Negative Income
HMDA & RESPA on a Lot Loan?
HMDA Errors
MDIA Confusion
When is a Bridge Loan Exempt from RESPA?
RESPA - Home Loan Preapproval
New RESPA - Application Changes?
RESPA Anti-kickback Provision & Loan Referrals
Consumer Loan Secured by Comm Property - RESPA?
Amended Reg Z - Second Home Loans & Refinances
New Reg Z Rules - Matured Loan - Follow Up
New RESPA Forms - Loan Fee Disclosure
New HPML Rules - Third Party Collateral
HMDA Reporting & Rental Properties
HELOC Application - Timing of Disclosures
APRs & Early TIL Redisclosures
Redisclosing the TIL
Consumer Loan on Land - Not the Mobile Home
Use Application Date as a Lock Date?
Including Loan Term on Advertisements
Report First Payment on the HMDA LAR?
Education Loan Disclosures
Flood Insurance – Increase Coverage?
Proper Payment Stream
Stop Pay on Loan Checks
Mortgage Loan on a Marquee Sign
Send Deceased Customer an Adverse Action?
New Reg Z & Dating the Loan
Modifying Maturing Balloon Loans
Interest Rate Lowered, Fee Charge - New Disclosure
Mortgage Loan – Does HOEPA Apply?
Old House & the Dirt - Appraisal Notice Required?
Do Both Spouses Sign the ROR at Closing?
Loan Payment by Check Payable to Business
CTR on Cash Loan Payment
New Reg Z - Business & Ag Still Exempt?
Withdrawn/Denied Commercial Loan Applications
GFE Error on the High Side - Redo or Not?
Balloon Note Renewal – Disclosures Required or Not
Credit Score Disclosure – Rental Property Purchase
Home Equity Credit Lines – 7 Day Waiting Period
New Reg Z – APR Change Tolerance?
High Cost Loans – Non-HMDA Reporting Banks
Reason for Denying Loan
HPML – APR Lock In Date
Definition of Capitalized Interest
Wrong TIL Form Used for Sales Transaction
No Property Identified – Disclosures Apply?
Payment Receipts
RESPA - Renewing & Extending Two Liens into One
ROR – Undated Signature Line
HMDA & CRA Reporting – Farmland Loan
Contract for Deed – Refinance or Purchase?
ROR on Refinance of Consumer RE Loan?
Loan to a Corporation – Correct Application Form
Flood - Life of Loan Determination
Loan Participations
Commercial Revolving LOC - Maturity Date Change
Restrictions on Loan Secured by Bank Stock
No Mortgage Insurance – Give Amortization Schedule
Second Lien HI & HE Loans - Servicing Disclosure
RESPA - Loan Secured by Residential Property
HMDA Reporting – Condominium Units
Secondary Residence – ARM Disclosure
HPMLs & Balloon Payments
HMDA Reporting - Mobile Home Refinance
Mobile Home Loan - Fed Credit App Disclosure
Notice Required on Automatic Payment?
LTV - Used Auto Loans
Legal Lending Limit Change
Does Permanent Phase of Loan Mean New Application?
RESPA Pricing
Third Party Vendor Real Estate Evaluations
No Origination Fee on HI Loans?
Loan Amount Changed – Redisclose?
Refinance/Additional Money - New App Required?
Disclosures & ROR on Loan & Deed Assumption
No Servicing Disclosure in Loan Packets
HPML – Create Escrow After 4/1/10 Deadline?
HMDA Refinances - The Commentary Rules
Revised GFE & HUD - Disclose Property Taxes?
Flood Insurance - Wait Until a Triggering Event?
Loan Extension Fee
Subject to HPML Requirements?
Reg W - Lending Limits
Loan Renewal – Applicable Disclosures?
Stay Letter - Automatic Loan Pays
Fee Change – Additional Disclosures & Wait Period?
Flood Coverage on Non-residential Properties
Both Borrowers Sign Flood Zone Acknowledgement?
Late Notice Requirements
Loan Payment & Due Date Disclosures
Intent to Apply for Joint Credit - Effective Date
Loan Modifications & HPML Restrictions
RESPA – Disclosing the YSP on the GFE
GFE - New Tolerance Limits
HOEPA - Consumer Price Index
Appraisal Change – Counteroffer Letter Required?
HPML – ARMs Booked Prior to 10/01/09
HMDA – Mobile Home Purchase
Application Procedures
Early Disclosures on Existing Loans
Itemize Amounts on the TIL?
HPMLs & Quarterly Adjustable Rates
Maximum Amount of Flood Insurance
Doc Preparation Fee Guidelines
RESPA Disclosures Required?
Flood Zone Lending
POC Query
HPML – Modified Construction Loan
MDIA – New Set of Disclosures
HOEPA Worksheet for Loans after 10/1/09
Structural Foundation Inspection Fees
Timeframe to Provide Flood Insurance Follow Up
HPML – Calculating Repayment Ability
Monitoring Loan Activity
Reg O – Loan to Business Owned by Director's Wife
Effective Date of Escrow Provisions
New Application Required?
HMDA Reporting – Show Mother as Grantor?
HPML Calculating
Credit CARD Act – 21 Day Payment Notice
HELOC - New Early Disclosures & Higher Price Loans
Pull Credit Report – Send Adverse Action
Temporary Financing – Not RESPA Applicable?
Follow Up on Flood Insurance Q & A
Reg Z & Escrow Payments
Reg Z – Modification or New Note?
Redisclose Improperly Disclosed Loan?
When is a Bridge Loan No Longer a Bridge Loan?
Final TIL – Indicate Correct Interim Interest?
Closing Protection Letter – Finance Charge?
Calculating the LTV
Guarantor on a Consumer Real Estate Loan
Adverse Action Notice – Technical Error
Disclose Each Time a Credit Report is Pulled?
HELOCs Subject to MDIA?
HMDA Reporting Threshold
HVCC Info – Which Reg?
Adequate Flood Zone Coverage
New Reg Z Rules - Matured Loan
Loan Denied – Disclosures Still Required?
CRA Investment Mortgage Security
Cash Secured Loan
Foreclosure Proceedings – No ROR on File
Early Disclosures on Mortgage Preapprovals
HMDA Reporting – Bridge Loans
Change Loan Back to Preapproval Status?
Stock Loan – Consumer or Commercial?
Savings Account as Loan Collateral
Do a Modification or a New Note?
Reg Z – Timing of Corrected Early Disclosures
RESPA – Commercial Purpose Loan
Credit Card Act Confusion
Credit Card Act – HELOC Statements
Credit CARD Act - Cash Reserve Accounts & HELOCs
Adding Property Taxes to the Loan
Adding Property Taxes to the Loan
Mobile Home & the New Disclosures
Spouse to Be Signing ROR
HELOC Modification
Spouse Signing Disclosures
Reg O - Loan to a Director's Company
Final TIL on a HELOC
Loan for Educational Expenses
Loan Modifications – Required Disclosures
Loan Denial for Non-bank Customer
HMDA Reporting Rules for Acquired Institutions
New Reg Z Rules - What is an Application?
Renewal Versus Refinance
Mortgage Loans Fees & the APR
Reg Z Early Disclosures – Add 3 Days for ROR Loans
Reg Z Disclosure – Open End LOC
The 21 Day Window
Construction Loan - Reg Z & RESPA Applicable?
New Seven Day Waiting Period
Please Define Early Disclosures Under MDIA
RESPA & REG Z Disclosures – Proof Required?
New RESPA Effective Date - Clarification Needed
MDIA Disclsosures
Source for New Reg Z & Credit Card Act
HMDA - Home Equity Term Loan Vs HELOC
TIL Issued for Residential Investment Property
Force Place Flood Insurance – Verbal Notification
HUD 1A - Rate Reduction
New Reg Z – Timing of Early TIL Disclosures
Loan Prequalification in a Post 7/31/09 World
Supervisory LTV Limits Reporting
CIP on Loans Via Acquisition
New Appraisal Required?
New Reg Z – Redisclosure Required?
HMDA Data Collection - Source Documents
Reg B - Business Loan Credit Decision Timing
Account Required to Obtain a Commercial Loan
Commercial Loan - Appraisal Notice Required?
Giving Borrower a Copy of Mortgagee Title Policy
Loan & Filing Fees – Trigger ROR?
Packaging Fee
Info To Realtors
Mobile Home – Loan on Land
Date on Notice of Right of Rescission Form
Timeframe to Provide Flood Insurance
HMDA LAR – Business Purpose Loan
Force Placing Flood on Lapsed Policy
Reducing Line of Credit - RESPA Violation?
Three Rate Spread Questions
Flood Insurance - RV/Boat Storage Covers
HMDA Reporting - Home Equity Closed-end Loan
Closed End Loans – Billing Notices & Statements
Refinance or Renewal?
A Couple of Flood Insurance Q & As
Flood Insurance Coverage – Are We Underinsured?
Flood Insurance on Bank Owned Foreclosed Property
RESPA – Lot Loan Renewal
Property Was Not in Flood Zone - New Flood Certification?
Agricultural Loan - Appraisal Notice Disclosure
Proof of Insurance Fee
HOEPA Exemption
Retroactive Flood Penalties?
Home Equity Loan Disclosures
Guarantor Disclosures
Flood Insurance & Pole Barns
Loan Modifications & the Economic Crisis
No Change - Final TIL Required?
HMDA – Loan Renewal/Increase on Rental Property
Is Spouse Required to Sign ROR?
Unsecured/Signature Loans - HMDA Reporting
Mobile Home - Private Flood Insurance Required?
RESPA Guidance Needed
TILA Violation & Remedy?
HMDA - Owner Occupancy Designation
Updating Flood Insurance
HMDA – Loan Renewal/Increase on Rental Property
Home Equity Loan to a Trust
Reg Covering Interest Only Open Ended LOC
HMDA - Unaffixed Manufactured Homes
ARM Loan Guidelines on Second Residence
A New Concept offers an Answer
GFE Disclosure & Documentation
Incorrect TIL – Responsibility & Penalties
CIP - Corporate Loan Guarantors
Loan Purpose Statement
Home Equity Loan & Right of Rescission
Loan Withdrawal
Reg O – Loan Payment Date Change
Reclaiming Money on a 2nd Second Mortgage
Rescindable Construction Loans?
Multi-Family Property Reporting
Possible Regulation B Violations?
HMDA Reporting - Permanent Financing
Deny Loan on Possibility of Diminished Earnings?
Board Approved Loan?
Phone Loan Application
Tombstone Ad
Business Purpose Loan - RESPA Applicable?
Reg B – Listing Order of Applicants
Looking for a Cure
HMDA - Data Reporting Owner Occupancy
HMDA Re-file
ARM Loan - No Adjustment Schedule
Flood Map Revision
Reg O – Sold Loans
HMDA Reporting – Dwelling Used for Day Care
GMI Collection – Purchase of Primary Residence
Advertise a Discounted Loan Payment
Reg B - Completed Applications
Flood Insurance & Mobile Homes
Flood Map Revision
Purchase Money Home Loan Refi – ROR?
HMDA LAR - Boat Dock & Lake House Purchase
Loan Guaranteed, Not Cosigned – Compliance Issues?
Credit Score Disclosure -Interim Construction Loan
Government Monitoring - Absent Joint Applicant
Business Loan Denial Notice
Premium Disclosure
Real Estate Lending & Trusts
Loan Rate for Army Reservist
ECOA Applicability - Joint Vs Individual Credit
Confirmation the Appraisal Notice was Provided
Appraisal Rules
Point & Fee Test or APR Test?
HMDA – Which Date Do We Use?
Condo Flood Coverage
All Signers Sign the ROR?
ROR on RV?
Home Mortgage Refinance - Flood Search Required?
Disclosures Within Three Days of Credit Report
Reg O & Executive Officer Account Signer
Quarterly CRA Reporting - Updated Income Levels
Bank Debiting Account after Loan Charge Off
General Interest Law v UCCC
Loan Sold to Investor - Borrower Closing Costs
Loan To Cost Guidelines
Flood – Loan Secured by Leasehold Mortgage
Refinancing for a Better Rate – ROR Applicable?
General Interest Law v UCCC
Land Only Loans - Early Disclosures Required?
Change in Terms Agreement
Definition of Permanent Takeout Commitment Needed
Real Estate Transaction Fees
TIL Disclosure Statement - List Fees?
Reg Z - Lot Loan to a Family Trust
New RESPA Rules - Tolerance for Fees
RESPA – Compliance Vs Lender
Revocable Living Trust & HMDA LAR Reporting
Flood – 45 Day Notification/Waiting Period
Flood Certification Frustration
Flood Determination Request
Loan to LLC Sole Owner - HMDA or Purchase Money?
Lending & the E-sign Rule
Curing a ROR Notice Violation
Reg U - Purpose Loan Vs Non-Purpose Loan
HMDA – Loan Coded as Business/Residence Combo
ROR on Mortgage & HELOC Closing Simultaneously
Handling the Interest on a Loan Renewal
CRA - Logging Company a Small Farm Loan?
CRA Reporting - Small Business/Small Farm Loans
RESPA – Short Term Loan
Fixing HOEPA Violations
Commercial Loans – What’s HDMA Reportable?
Reg Z - Inspection Fees in the Finance Charges
HMDA Reporting – Mixed Used Property Loan
Do a Flood Determination for Each Property?
Combining Loans – Does ROR Apply?
Origination Fee Discrepancy
Adding Spouse to Open-End HELOC
Secondary Market Loans
Acquired HELOCS - Change in Terms
CRA Loans & HMDA Logs
Loan Modification – HMDA Reportable?
Reg B – Joint Credit & Cosigners
Three Year Balloon Mortgage
Owner Occupied Second Homes & Vacation Homes
HOEPA & Bridge Loans
Signer Pledging Interest - Appraisal Notice Given?
Business Loan Partially Secured by Residence –ROR?
ODP Via a LOC - Annual Financial Statement
Reg B Intent to Apply Jointly – Phone Application
Disclose Fees Borrower Doesn’t Pay?
Reg Z - Website Disclosures
Reg Z Reimbursement Procedures
GMI on Refinance Q & A - Clarification Needed
Disclosure Differences Online
Mortgage/ARMs on the Web
FHA Loans - Referral Fees
POD Account as Collateral on Loan
Funds Disbursed Prior to ROR Date
Renegotiating Indefinite HELOCs
Refinance Denied – Send Adverse Action Form?
Mobile Home Loan a Residential RE Transaction?
Reg O - Bank Holding Company Chairman
PMI - Send Out Amortization Schedule
Credit Verification Retention
Resubmit Disclosures in Surviving Spouse's Name?
Not Subject to HMDA Reporting – Collect GMI?
New Servicing Disclosure Statement Form
CTR on Closing Cost Down Payment
No Flood Notice Given - Force Place Flood?
RESPA - No Disclosures Required?
Pay Bank Employees for Mortgage Loan Referrals
Definition of a Restructured Loan
Imposing a Default Rate of Interest on a HELOC Reg Z - Open End Credit Line Increase
Duplex Refinance
Disclosure Required on LTV Ratios Change?
Sending Email Ads to Selected Brokers
New TILA Pre-Disclosure?
Guidance Needed on TIL Disclosures
Credit Bureau Reporting – Advance Notices
Overdrafts Covered by HELOC
RESPA -Residential Lot Loan Secured by Residence
Freezing an Unsecured LOC – Notice Required?
Mobile Home as Collateral – Do a Flood Search?
Balloon Loan - RESPA Disclosures
HMDA Reporting – Loan Secured by Lien on Dwelling
Force Placed Flood – Notification
Loan to Company - Director is Shareholder
Independent Appraisal – Notice Still Applicable?
CRA - Loan to Deposit Ratios
ROR on HELOC Renewal?
Fair Lending - Income Verification
HOEPA - Minimum Loan Amount Reporting
Credit Life/Disability Insurance Program
Denied Loan Retention Schedule
Commercial Loan to a Sole Proprietorship
LTV Reporting Rule
HELOC Rate - Floating or Fixed?
Percentage of Exception Loans
Changing LTV Ratios
Timing of GFE
HMDA Reporting - Closed-End Lines of Credit
Preliminary TIL No Longer Required?
HMDA Log - Order Information is Entered
Loan Privacy Policy Documents
Loan Denial - Census Tract Number
Forty Year Mortgage HOEPA Test
Risk Based Pricing Model – No Historical Data
File a SAR on a Loan Officer?
Purchased Loans - OFAC/USA Patriot Act Compliance
HMDA Reporting - Modified Construction Loan
GMI Data on Commercial Loans
Higher Priced Mortgage Loan Rules
HUD 1-A Form Line 1604
Loan Sign Advertising Compliance
New Auto -Loan - First Payment 90 days
Flood Certificate – One Time or Life of Loan?
Employee Loan Policies
Question the Purpose of the Loan?
Unsecured Legal Lending Limit for National Banks
Car Dealer Indirect Loans – Application Process
Not a HMDA Reporting Bank - URLA Required?
Corporate Loan Regulation
CRA Branch Lobby Notice
Bank Querying Customer on Age & Retirement Plans
RESPA - Non-Borrowing Owner Sign Initial TIL & GFE
DIC Insurance Policy In Lieu of NFIP Policy?
Provide Copy of Appraisal on Commercial RE Loans?
Purchase Force Place Flood Insurance on Day 46?
HMDA Reporting - Swimming Pool Secured by Dwelling
Flood Insurance – Bank Owned Collateral Property
Adverse Action- File a Copy of the FCAI Disclosure
Flood - Life of Loan Certification Coverage
RESPA – Title Company Broker Fee
15 Year Historical Example on a HELOC Disclosure
Interest Incorrectly Documented on Consumer Loan
Converting Closed-End to Open-End Credit
Loan to Entity - Demand Clause Required
HMDA - Double Reporting?
Gifts to Top Loan Customers
HMDA – Repurchase of Loan
Co-Borrower Added - Provide New Early Disclosures?
Deed of Trust as Collateral – Give ROR?
Co-Borrower Added - Provide New Early Disclosures?
Multiple One Month HE Loan Extensions
Business Purpose Statement Form
Shares of Bank Stock as Collateral
SCRA – Report Delinquent History on Credit Report
HMDA – Report as a Purchase or Refinance?
RESPA - Rental House Refinance
Flood Determination Date & ROR
Paying Tellers a Referral Fee – RESPA Violation?
Vacation Home Subject to HUD’s Reg X?
Internet Based Loan Applications
Tainted Appraisal?
Co-Signer Required to Sign the Notice?
SCRA – Is 6% the Interest Rate or the APR?
Additional Funds to Complete Home Construction
ESIGN or UETA
Mandatory Flood Coverage on All Buildings?
Business Purpose and Exempt from RESPA?
Loan Secured by Son's Home - HMDA Reportable?
HMDA Reporting - Selling a Participation Loan
Business Purpose Statement
Disclosing PMI Provider
Collateral Mortgage on Parent’s Residence - ROR?
Definitions Needed
90 Days for Non-Accruing Interest Rule
Borrower Discontinues Loan Application
Flood Insurance Rules & Commercial Condos
Revolving LOC Secured by CRE with a Low LTV
Obtain New Flood Determination at Extension?
Hold Car Title as Collateral Against Charge Off
Delay Disclosures Until Completed Application?
Reg O Reporting - Standby Letter of Credit
GLBA and Customer Information
Lending Office Issuing Cashier's Checks
Reporting Rules for Open-End & Closed-End LOCs
SCRA – When Does Active Duty Begin?
Flood Insurance - Additional Premium Owed
Construction Loans & Section 32 Guidelines
CRA LAR – Coding Group Homes
SCRA – When Does Active Duty Begin?
Flood Insurance - Additional Premium Owed
Construction Loans & Section 32 Guidelines
CRA LAR – Coding Group Homes
ARM Disclosure - Table Not Required?
Collateral & Purpose Codes
Travel Trailer as Added Collateral on Lot Loan
Classifying Farm Land for LTV Purposes
Equal Housing Lender Sign - Latest Version
Combining a Consumer & a Commercial Loan
Please Define RCBAP
Teller Cross Selling Training
Advertising - Loan Amount & Calculating APRs
Loan Officer is a Realtor - A RESPA Issue?
Shutting Down a Revolving LOC – Compliance Issues
Reg O – Participation in Major Policy Making
No Customer Response - Send Another Action Notice?
HMDA Reporting on Entities
Update Existing & Merged Customer CIP Information
Timing of Early TILA Disclosure
Reg B & Business Loans
Reg R Section 218.701 Compliance
Adverse Action Notice - Calendar or Business Days?
FDIC Ruling Applicable to Commercial Loans?
Entitled to SCRA Relief?
Non-Borrowing Spouse Signing TIL & RTC Forms
Mobile Home on Property – Loan on Land Only
HELOC - No ROR Required?
Statement Stuffer Loan Ad – APR Disclosures
Loan APR Discount
Purchased Note - Treat as Refinance?
Is the Assumption a Refi or Purchase Purpose Loan?
Adverse Action - Ex is Only Source of Income
Reg D – Internal Transfer Loan Payments
Is This HELOC Renewal Considered a Refinance?
Assumable Mobile Loan - Which HUD Form Do We Use?
HELOC Secured by a Second Home
OCC WIN Calculator - Odd Days Interest
Update Original Reports & Use the Same Appraiser?
Broker Required to Send Servicing Disclosure?
Commercial Loan ARMs?
HOEPA - Combined Transaction Loan
Property Deemed to be in the SFHA
Disclosing Vendors Used in a Mortgage Loan
Appraisers & the GFE
App Withdrawn/Denied - Collecting an Appraisal Fee
Reduce Interest on a Loan - Modification Needed?
Reflect All Fees on HUD Prepared by a Title Co?
My Home Is & Isn't in a Flood Zone
HELOC Suspension Letters - 202.9 Requirements
Adverse Action - Separate the Reasons for Denial?
Reg B, HMDA & Pre-Approval Letters
Bank Failures, Uninsured Deposits & Loan Payments
Flood Zone Change & the Grandfathering Rule
Loan with an ROR - Date Interest Accrual Starts
Son Taking Over Deed & Debt
Customer Refuses to Pay Escrow
HMDA Reporting - Use Original Lock-in Date?
Retention of Declined Online Credit Applications
Must We Redisclose Thousands of HELOCs?
Are We Required to Get Marital Status on Loan App?
ROR on Loan to Move a Home
Holding Check in Escrow During Rescission
FDIC and Loan Ad
Houseboat Purchase - HMDA Reportable?
Only Current Customers Eligible for Credit?
Federal Credit Application Insurance Disclosure
Reg B - Separate Apps for Joint Borrowers?
Balloon Loan Modification Disclosures
Reporting HMDA Data to the Board
HELOC Modification Or a New Loan Required?
Seller Paying Fees Due at Closing
Advancing Funds on a Matured Line of Credit
Financing provided by...
Required/Optional, Member FDIC
Rate History Disclosure
Disclsosures for a Complete App with a Property
Federal Credit Application Insurance Disclosure
Notice to Home Loan Applicant Required?
Maximum Number of Reasons for Declining a Loan
RESPA on Rental Homes
Change in Terms, No New Money, ROR Needed?
Disclosures to Father Who is Loan Co-Signer
Minor Auto Loan - Parent is Co-borrower
Providing Loan Disclosures - Maximum Time Allowed
Increasing Interest Rates on Past Due Loans
Houseboat Loan - Residential or Consumer Loan?
Full Amount of Fee as Prepaid Finance Charge
HMDA - Swimming Pool Loan Secured by Automobile
Reverse Referral Fee
Loan Rate in Advertisement
Verifying Information for Loan when the Credit Report is Obtained
Reporting Loan Accounts and New Deposit Accounts
Reconciling Addresses on CRAs for Loans
ARM Product Disclosures
Manual Underwrite Recommendations
Bridge Loan Extension- Early Disclosures Required?
We Don't Do HMDA Reporting - Do We Collect Info?
Reg Z Advertising Penalties
Commercial Loan Referral - Paying a Finder's Fee
Flood Zone - Must Determination & Policy Match?
Spouse Not on the Loan - Collecting Spousal Info
FDIC Loan Definitions
Adverse Action -What Reason Do We Give for Denial?
Listing Taxes on RESPA Forms
Tax Holding Fee - Part of the APR?
Does this Loan Fall Under Reg U?
Reg B - Father & Son Joint Applicants
Auto Debit Loan Pay - Signature Required?
Swimming Pool Loan Considered Home Improvement?
Participation Loan Record Retention
Who Completes the HUD 1?
Cash Out Loan - HMDA Reporting
RESPA Bridge Loan Exemption
Clarification Needed for Prequalifications
HMDA Reporting - Multiple Advance Open Ended LOC
Calculating Flood Insurance
Reg O - Extensions of Credit in the Aggregate
RESPA Bridge Loan Exemption
Automatic Rate Change - Mail Out Notice?
Dating the Application
Loans Contingent on Account Ownership
Taking Phone Loan Applications - Compliance Issues
Reg Y - Foregoing the FIRREA Appraisal
Divorce & HELOCs
Mobile Home Flood Insurance - Guru Q & A Follow Up
HMDA Reporting - Home Purchase w/CD as Collateral
Online Calculators
Extending a Balloon Loan - Disclosures Required?
Trigger Terms on Rehab Loans
In-house Lobby Flyers - Disclosures Required?
Separate Loan Apps for Unmarried Co-borrowers?
Reg B Form Signed on Commercial Credits?
HMDA Reporting - Office Isn't an Official Branch
Collect Applicant Info on Non-Reportable RE Loans?
Security Interest in a Savings Bond
Refinance New Note with No New Money - ROR?
ROR on Second?
Title Held by Husband Only - Must Wife Sign ROR?
HMDA - Extending a Current Obligation
GMI on Refinance
Refinance of Primary Residence - Collecting GMI
PMI Disclosures on Non-Owner Occupied Property
Disclosing Loan Rate as Prime
Denied Loans Exempt from Early TILA?
Joint Applicants - Separate Adverse Action Notices
Flood Certification
Loan Docs Mailed - Extending ROR Period
Flood Insurance - Conflicting Zones
RESPA - Prospect List Provided by Title Company
1098 Reporting - Loan in Non-Accrual Status
Newspaper Loan Closing Coupon - APR & Disclosures
Spanish Mortgage Loan Disclosures
A Few Dollars More?
HMDA - Non-Reportable Bridge Loan?
Home Construction Loan - RESPA Applicable?
The HUD-1 and Lender Credit
Flood Insurance - Uninsurable House
Signing the Co-Signer Notice
Assignment of Mortgage - New Note Needed?
Denying Credit Based on Non-Citizenship
Loan Message on Statement – EH Logo Required?
Foreclosures and the effects of the subprime market
HMDA Reporting - Commercial Loan Refinance
HMDA Reporting - Loan Secured by Apartment Building
Use of Evaluations in Lieu of Appraisal
Equity Line of Credit – Funds Disbursal
Tying a HELOC to the Prime Rate
Bridge Loans & HMDA
Bank Flyers at Dealership & RESPA Referral Fees
RESPA & Vacation Homes
ARM Loan TIL Disclosure
Determining Amount of Flood Insurance Required
Dispute Over Flood Zone Location
ROR on Second Trust Deed HELOC Loan
ROR Triggered by "Left-Over" Cash?
Modification Fee - New Disclosures Required?
RESPA - Kickbacks & Mortgage Broker Fees
Mobile Home HELOC
Customer Rescinded the Loan
Mortgage Loan Changes - Redisclose the Loan?
HELOCs Without a Maturity Date?
Reg O - Aggregate Lending Limit
Is a Faxed Signature Legally Binding?
HMDA Reporting - Commercial Loan Refinancing
Removing Ex-husband from the Loan
Automated Underwriting System - HMDA Reporting
Credit Denial Form
GLBA Violation-Loan Info Displayed on File Cabinet
RESPA - Short Term Loan
Appraisal Requirements in the Construction Phase
C and I Loan - Signed W-9?
HELOC Modification - Extending the Draw Period
Referral Fee to Customer
Calculation of Fees Subject to HOEPA
Roll Attorney's Fees into First Mortgage?
Mortgage Rate Lock Fee
Lowering Rates on Existing Mortgages - Redisclose
Deposit Account Required for Loan Approval?
Collecting GMI on Loans Not Reported on HMDA LAR
Flood Insurance Coverage Conundrum
Independent Underwriter Appraisal Review
RESPA - Loan on the Land, Not the Mobile Home
Mandatory Purchase of Flood Insurance
Selling Consumer Loans - Notices Required
Business Loan Disclosures
Document Needed for HELOC Extension
Late Payment Charges Paid by Escrow Funds
Provide Rescission Period to the Borrower?
HMDA - Recouping Home Improvement Costs
Loan Modification Procedures
Temporary Construction Loan - Does HMDA Apply?
Loan Consolidation
Deposit to Loan Ratio
Home Equity Loan - Final TIL
Insider Lending - Language in the Note
Loans to One Borrower Limitations
Interest-free Balloon Mortgage - Conforming Loan
Second Mortgage Balloon Rider
Reporting on an Application Withdrawn/Closed Loan
ROR Applicable on a Fed Reserve Holiday?
Effect of Interest Rate Calculation Change
Paying Off Late Fees with Escrow Account Funds
HMDA -Short Term Loan Refinanced for a Longer Term
Radio Advertising Disclosures
Lending DDA Funds
Construction Loans & Reg B Monitoring Information
Commercial Loan Insurance
TILA Signed by Non-borrowing Spouse
Loan Funds Disbursal
Mobile Home Loan Default - Demand Letter
Crediting the Aggregate Adjustment
Home Improvement Loan - Interest Paid Deductible?
Loan Renewal & Mortgage Modification
Trigger Terms
Disclosure of HELOC Early Termination Fee
HMDA - Define Temporary Financing
HOEPA 2008 Threshold
Amortized Home Improvement Loans
Commercial Loan - HUD Settlement Statement?
Section 32 Loans - Fee Trigger Threshold?
Rate Lock
Effect of Customer Pulling Credit Report
Consumer Loan and Cosigner Procedures
Executive Officer's Loan - Demand Clause Required?
IRS Reporting - Payments to Lawyers & Law Firms
Rescindable Loan & Amount Rescindable?
New Security Agreement Required?
E-Sign
Tax Service Fee Exempt from RESPA Disclosure?
Returning Paid Loan Documents to 401(k) Borrower
CSDS Provided Prior to Closing?
In-house Appraisal Based on a Tax Assessment
Loan Commitment Required on a Mortgage Transaction
Flood Insurance Coverage - No Appraisal
Biweekly Mortgage Payment Agreement
Reporting CD Secured Loan on the LAR
Adverse Action - State Loan Amount on the Notice?
Skip Payment Plan
Definition of a Complete Application
Co-signer Added – Joint Application Created?
Adverse Action - State Loan Amount on the Notice?
Send Loan Denials to Applicant & Guarantor?
Documents Signed by Non-borrowing Owner
Limitations on Late Charges
Reg O - Defined Marketable Collateral
Potential Sub-prime Lending Disaster
ROR on Refinanced Loan
BOD's Loan Modification
Flood Letter Not Furnished
Statement Stuffer
HMDA Triggering Loan
CD Secured Loan & the LAR
HOEPA Worksheet Completion
HUD Form - Bank's Responsibility
Determining Builder's Risk Coverage
Flood- Force Place Per Customer's Request?
Application Denied - RESPA Disclosures Given?
Reg B - Unmarried Couple Borrowing Jointly
Gift Cards for Loans
Paid in Full?
Reg O - Waiving the 1% Origination Fee
Application Withdrawn - Notice of Action Taken
Notice of Action Taken - Retention Period
URLA Required?
Application Denied - Disclosure in File
Flood Clarification Needed
FACTA Applicable to Non-Consumer Loans?
Loan Disbursal & Rescission Rights
Credit Agreement Amendment
GRMA Charging
New Mortgage Wasn't Signed at Closing
Loan to a Trust - Right of Rescission
Help With an Abbreviation
HMDA - Unsecured Loan Used as Down Payment
Final TIL - Listing Names
HMDA Reporting on Unsigned Loan Documents
Balloon Disclosure
Mortgage Late Fee
Disputing ACH Debits on a Pay Day Loan
One Loan for Two Properties - HMDA Reporting
Oops! I Don't Wish to Cancel
HMDA Reporting on an In-house Renewal
HMDA Reporting- Dwelling Being Converted to Office
Will Copies of the Initial Disclosures Suffice?
Declined Loans - Required Disclosures?
SSN on Credit Denial
Does the Wife Have the Right to Rescind?
Force Placed Insurance - Amount of Coverage
Home Equity Reported on the HMDA LAR?
CIP on Denied or Withdrawn Loan?
CIP on Shared Loan
Gift Cards for Loans
Running OFAC on Loans
Signing for Disclosures
HMDA - Rate Spread Reporting
ROR on Consumer Loan Paying Off Comm Loan
Mixed-use Property Rules - HMDA Reporting
Boat Loan Documentation
Charge-off Amount on the Past Due Notices
HMDA Reporting on an Unsecured Loan
Ads with Balloon Payments
Closing Money Laundry Suspect's Loan Account
Lender's Name Typed Not Signed on Mortgage
Home Equity Loan on Construction -- Rescindable?
Reissuing Right of Rescission Notices
Phone Applications and Joint Intent
Adjusting the HUD-1 Settlement Statement
Home Equity Closed-end Loan Disclosures
Reg B Appplication Violation?
Adverse Action on Withdrawn Application?
Joint Applicants - Separate Adverse Action Forms?
Debtor's Privacy & Guarantor Notification
Business Purpose Loan Disclosures
FASB Documentation Fee Disclosure
Commercial Loans - Required Disclosures
HMDA Reporting - Loan to Purchase a Storm Cellar
1099 Required for Gift Check?
Statement Stuffer
Loan Secured by Stock
Consumer Loan Underwriting Standards
Flood Coverage - Loan Secured by Rent Houses
Rental Property Covered Under TIL?
RESPA - Personal Residence Construction Loan
Regs Governing Comaker/Cosigner Notification
SCRA - Co-borrower Called to Active Duty
Co-borrowers Liabilities & Credit Reports
Home Value Determined by Tax Assessment?
Application Withdrawn - Reimburse Appraisal Fee?
No ROR Needed on Loan Renewal?
Gift Cards for Loans
Ag Loan or Home Loan?
Guidance Needed on Late Charge Assessments
Outstanding Interest
Flood Coverage on Office Building
Flood Insurance Application - Loan Closing
Non-accrual Loans
Farm Credit Loan Refinance - HMDA Reporting
Obtaining Additional Flood Insurance
Is a Chattel Mortgage Always Required?
Can We Recycle this Appraisal?
Scanned Loan Documents In Lieu of Originals
Raising LTV Percentage
Real Estate Lending & Skip-a-Payment Programs
CIP Proof in the File
HMDA Reporting - Loan Application Correction
Open an Account if You Want a Loan?
Does this Cancel the Flood Violation?
To File or Not to File, That is the Question
Fair Lending - Second Review of Declined Loans
HMDA Reporting - Home Loan Down Payment
Moblie Home Loan - HMDA Reporting
Treat Them as an MSB?
Reporting FHA/VA Loans on the LAR
Lurking RESPA Violations?
No Lien Perfected on Property - HMDA Reporting?
RESPA, TILA & Lot Loans
Mandatory Early TIL Disclosure
Reg O - Loans to Immediate Family
Flood Determination/Notices
Are Both These Insurance Disclosures Needed?
Multiple Loans, Deeds & Flood Certs
Flood Coverage on New Condo Project
"Force Pay" Past Due Property Taxes
Repurchased Loans Treated Like Bank Purchases?
Dwelling Will Be Destroyed – HMDA Reporting
HMDA Reporting - Mortgage on Vacant Land
Which Lending Laws Apply on Inter-State Loans
Texas Property Closing
Rescission for Old Home Securing the New Home Loan
Loan Denied to Illegal Alien -- Follow-up Question
Loan Collection of Customer Filing for Bankruptcy
Flood Insurance on a Single Unit of a Rackaminium
HPA & Mortgage Loans with PMI
Real Estate Loans and Bank Capital
What are Goods and Services in Lending?
Equal Housing Logo - What is it?
Customer Allowed Copy of Credit Report Under FCRA?
Investment Purpose Loan-Notice & Disclosure Given?
Real Estate Lending Standards - Part 365
Collateral Release
Private Non-federal Student Loan Program
ARM Loan Error
Schumer Box
OREO Property - Special TIL
HOEPA Calculation
Credit Checks- Bad for the Borrower?
Is this Renewal HMDA Reportable?
Annual PMI Notice
Pre-approval Confusion
Providing Tax Statements as Appraisals
Future Advance Clause
Deposit Insurance Statement in Loan Ads
Tri-merge Credit Report - Adverse Action Notice
Security Interest in Railroad Cars
Lender Signature Required on URLA?
RESPA - Temporary & Permanent Financing
Renewal Notes
Balloon Note Secured by a Deed of Trust
Understanding Factors that Affect Credit Scores
Informal Partnership Lending
Income for Home Loan Qualification
Personal Loans Not Secured by RE - Disclosures
Notice to Home Loan Applicant Disclosure
Interest Reporting on Secondary Residence
Oral Agreement Disclaimer
Designating the Signer on Sole Proprietor Loan
Credit Reporting on Guaranty
Signed TIL Missing from Credit File
Does New Deed of Trust Trigger New Rescission?
RE Loan with Two Single People
Credit Report Run During Loan Pre-qualification
Rider on an ARM Loan
New Flood Certificate for Purchased Participation Loans
Spouse's Access to Mortgage File
Business or Personal Purpose Loan?
HMDA Reportable or not?
HMDA - Investment Purpose Loan
Bona Fide Personal Financial Emergency?
HMDA Reporting on Commercial Loans
RESPA - Bed & Breakfast Loan
Construction Loan Survey Fee
Wedding Ring as Loan Collateral
Send Stock to be Re-registered
Form 1098 - Mortgage Interest on Rental Propery
Loan not In SFHA - Monitor Flood-mapping Change?
Signing a New SFHD Form for Remapped Property
SCRA - Finalized HUD Notice
Loan Scam
Loan Denied Due to Cosigner's Bad Credit
Margin Stock
Land Purchase Loan - TIL Disclosure
Loan Modification - All Parties Sign?
Commercial Loan Advances
PMI on Home Equity Loan
HELOC - Loan Advance by Spouse Not on the Note
Flood Insurance Condo Coverage
Application Withdrawn if Documents are Signed?
Can We Add Interest Back to the Principal?
Husband Forged Wife's Signature on a Joint Loan
Negative Pledge of Assets
Notice of Levy Extends to Loans, Too?
CIP on Purchased Loans
Statutory Bad Debt
Loan Rescinded Due to TIL Violations
Formula for Calculating the APR
ROR on Loan to a Trust
Motor Vehicle Titles
Reg Z and the Fed Box Disclosure
Calculating Servicemember Loans
Loan on a Lake Home
Statement of Purpose
Reg B Loans - Retirement Contributions as Income
Mixed Use Property - HMDA Reportable?
New Home Purchase - Old Residence as Collateral
Residential or Commercial?
We Don't Report HELOC's Under HMDA, However...
Credit Denied - Disclose Use of Outside Source
HELOC Past Due - Offset Business Account
Cash Out Refinance
Brokered Real Estate Loans - Origination Fee Issue
Loan Secured by CD, HMDA Reportable?
Separate Negative Credit Reporting Notices
Collecting GMI on Loan Guarantors
Personal Loan Guarantor
ROR on Business Loan Secured by 2nd Mortgage
One Party Pledging Multiple Party CD
Construction Loan Disclosures
Homestead Rights
Home Equity Loans - Required Forms?
"3 Day Docs" Signature Time Frame
Flood Certificates for Subdivision
HELOC - Who Signs the Note?
What is the Toaster Rule and Requirements?
Web Applications and Compliance Resources
RFPA - IRS Requesting Info on Loan Customer
Employee Loan Resources
Borrower Isn't Homeowner, HMDA Reportable?
Sending Financial Information Over Non-secure Line
Credit Life Financed on Home Loan, GMI Required?
Include Discount Points in the APR?
New Disclosures for Change In Loan Amount
APR Disclosure on Construction/Permanent Loans
Lending to a Religious Organization
Supervisory Loan to Value Reporting
2nd Home Purchase 50 Miles from Primary Residence
Legalities of Copying a Driver's License
One or Two Flood Determinations?
HMDA - Transaction Secured by Other Dwelling
Lien Position on Loan Secured by CD
Bridge Loan Origination Fee Refund
Loan Officers Prohibited from Ordering Appraisals?
Correcting a Loan Closed at an Incorrect Rate
Interest Rate of Loans Secured by Deposit Accounts
HE Loans with Rates Based on Commitment Tiers
Loan Reporting, Guru Follow Up
50 Mile Rule
Giving Gifts to Auto Dealers for Loan Referrals
Defining Temporary Financing, Then & Now
HMDA Classification - Log Home
Disclosures for Loan Secured by a Second Mortgage
IRA CD as Loan Collateral
Insurance Disclosures on Consumer Loan
Mixed Use Building - Do Reg Z & Respa Apply?
Loan Proceeds Disbursed Before the 3 Business Days
Are We Required to Send Monthly Statements?
Is the SCRA Rate Retroactive?
Loan Declined Due to Customer Filing Bankruptcy
Bridge Loan Disclosures
Charging a Rate Lock Fee on Mortgage Loans
Consolidation Loan for Medical Bills
Are Subprime Loans HMDA Reportable?
Flood Certificates
Is this Dual Purpose Loan HMDA Reportable?
Twelve Month Waiting Period on Home Equity Loans
Escrows & the Aggregate Adjustment
Should We Change the Rate Instead of Redisclosing?
Fee for Loan Payments Made with Credit Cards
Note Date or Deed of Trust Filing Date?
Are Ag Loans HMDA Reportable?
Flood Insurance Coverage on Construction Loans
Reg O – The Director Isn’t the Borrower, but ...
CIP & Loan Participations
Merging Required Service Providers on the Same GFE
Discussing Loans with Father of Debtor, Privacy Violation?
No Starting or Ending Date on the ROR
Signing the New Note on a Loan Modification
Primary Residence Secured by a Commercial Property
Freezing the HELOC Account
Reg B - Lending to Persons with Disabilities
Do We Need to Re-disclose?
Do We Need Early Disclosures?
Consumer Swing Loans Subject to HMDA Reporting
Flood Search
HMDA - Difference Between Prequalify & Preapprove
Is the Lot Site HMDA Reportable?
Guidance on Loan Payoff Overages
Modified Construction Loan
HMDA - Interpretation of the Pre-approval Program
Charging an Administrative Fee on a Consumer Loan
SCRA - Must We Defer Loan Payments?
Reg O - Single Insider Aggregate Lending Limit
Katrina's Devastation Leads to Loan Denial
Unsigned Commercial Loan Application
Does SCRA Apply to Employees of the Military?
When is Proof of Flood Insurance Required?
Conflict Over Meaning of Abundance of Caution
Loan was Denied. Do We Still File a SAR?
Privacy Issue When Paying Off a Spouse's Loan
Annual Mortgage History Statements
Flood Insurance Catch 22
HELOC - Notice of Right to Cancel
Correct Verbiage for Consumer Loans on Website
Loan officer/Realtor - Disclosure of Dual Roles
Reg O or the Applicable Reg
New Truth in Lendingon Modification of Existing Loan
Documentation for Secondary Residence Improvement Loans
Bank Back Dates All Consumer Loan Payments
Offering Accommodation Loans to Business Customers
Reg B - Requesting Marital Status
Length of Time for Holding OREO Property
Using Previously Pulled Credit Report on New Loan
Over the Legal Lending Limit?
Are These Holds Usurious?
In Search of an Appraisal Check List Form
Updating Borrowing Resolutions
Negative Discount Points
Taking a Deed of Trust as an Abundance of Caution
Call a Loan Based on a Financial Covenant Violation
Investment Property as Collateral, Reg Z?
Refinance 2nd Home
HMDA Reporting on Loans Sent to Secondary Market
Flood Premium Added to Loan - Revised TIL?
In Search of a Decision Tree Module
CIP Record Retention on Sold Mortgage Loans
VIN Number in the Fed Box
Assumption Language on Construction Loan Disclosure
Appraisal Notices on Commercial Loans
Part Commercial/Part Residential, HMDA Reportable
Ordering the Phase I
Signed Affidavit Stating Customer Won't Escrow?
Puzzled by the OCC's Handy Chart
Partial GMI Information - What Do You Do?
Lowering the Cost of a High Cost Loan
Size of Print on a Promissory Note
Reporting Income for HMDA Loans
Motel as Collateral on Business Loan, Reportable?
Bridge Loans- Are They Always Exempt From RESPA?
National Bank Loaning Money to a Political Party
Regulatory Limits for Loan Maturities?
On Deeds, The Name Remains the Same?
Record Retention on a Charged Off Loan
Guarantor on a Commercial Loan to a Corporation
Forwarding Declined Loan Applications to Mortgage Company
Rate Change Notices on All Loan Types?
With or Without Monitoring Information
Keeping Photocopies of Sold Loans
Secured by a Different Dwelling, HMDA Reportable?
Bankruptcy - Re-scheduling Loan to Current Status
Examples of Collection Letters
HMDA Reportable?
Disclosing Accrual Method on Commercial Loans
HMDA - Which Date Do I Report?
Determining Reduced Payment Amount under SCRA
Conditions of Approval Unmet -- Action Taken Code
Federal Regulations for Commercial Lending
Customer Revised Loan Request
Non-Filing Ins. in the Fed Box
Credit Reports
Documenting Delivery of Initial Disclosures
Negative "Amount Paid to Others on Your Behalf"
Annual Financial Statement on Consumer Loan
Adverse Action Notice Without Reasons
Limits on Commercial Loan LTV Ratios
Determining Reduced Payment Amount under SCRA
Ex Officer Reporting Loans from other Banks
Legality of Consumer Balloon Notes
Is This What's Called a Pre-Approval?
Balloon Notes and Title Problems
Avoiding GMI Collection When Inappropriate
Financing Vehicles With Salvage Titles
Commercial/Residential Loan -- Consumer?
Financial Statement on Another Bank's Forms
Key Factors Disclosure with CRA Model
Flood Certification on Duplex With Two Street Addresses
Is the Loan to spouse, a Loan to Ex. Officer, too?
Primary Residence is an Income Producing Property
Right of Rescission on Home Owned By LLC
CIP on Business Loan
Loan Fees & Late Fees (PDF)
Loan Collateral & Security Interests (PDF)
Mortgages (PDF)
Finance Charge (PDF)
Notice Given Only on Denied Loans?
Are Variable Rate Disclosures Applicable?
Appraisals (PDF)
Flood Requirements (PDF)
Extending a Note Via Modification Agreement
HMDA -- Choosing the Property if More Than One
HMDA Reporting & the "Short Term" Loan
Collecting GMI From Non-Occupant Co-Applicant
HOEPA Home Improvement Loans
Curing Time for APR Disclosure Error on RE Loan
A Fund That Gives Back
Giving the Customer the WHOL?
Preapprovals and Changes of Mind
Tiered Loan Rates and FACT/FCRA Notice
Do RESPA or TIL Cross This Bridge (Loan)?
Negative Information Disclosure on Existing Loans
Refinancing a HELOC as an ARM
Limits on Texas HELOC Loan to Value?
Admin Fee VS. Processing Fee
Applications "Closed for Incompleteness"
Rescission and Purchase in One Loan
Second on Residence to Build New Home- Rescission?
Mortgage Broker Looking for Answers
Documentation for "Abundance of Caution" Liens
Home Equity Loan to Revocable Trust
Flood Requirement with Mixed Collateral
Collecting the Correct Interest for Renewal
No charge, no delivery of appraisal?
Document Prep Fee in APR?
Minister Purchases Houses to Renovate and Sell
Verifying the Collateral Base on a Revolver
Rescission Rights for Non-Obligated Owner?
Consumer loan billing
Differences and Definitions of Loans
Is this Car Loan Subject to HMDA Reporting?
Intitial Residential Mortgage Loan Disclosures
Maximum Non-Taxable Amount for New Mortgage Bonus
Starting Up a Loan Service/Admin Division
A HOEPA or Not a HOEPA - How to Tell
Number of HE Loans Allowed for Single Property
CRA or HMDA?
Do We Now Need Business Loan Applications?
Does HMDA Apply to THIS Business Loan?
Insider Report Requirement on Guaranty?
Disclosures on Financing Sale of Repo Vehicle
When Does A Loan Get Considered Delinquent?
Wording on Adverse Action Notice
Underwriting Fee Included As a Finance Charge
HMDA Reporting for Broker/Lender
HMDA on a Commercial Loan
Can We Copy the Credit Report to the Broker?
Does Reg O Apply to Loans on the Secondary Market?
Open an Account & Reduce Your Loan Interest Rate
Paying Past Due Taxes and Accruing Interest
Paying RESPA Referral Fees
Is a Renewal of Purchase Money, Purchase Money
Grossing Up HMDA Income
Advertising a Loan With a Prepayment Penalty
Reg Z: First Mortgage Liens & Home Equity Loans
Business or Consumer Loan
Balloon Loans and HOEPA Terms
BSA Record Keeping Requirements on Loans
Define "Open-End" Credit
Loans and Kickbacks
Flood Insurance
FCRA and Credit Reports
Reg O - Mortgage Loans Sold to Investors
Reg D - Telephone & Internet Loan Pay Transfers
Is this a HMDA reportable loan?
How is this coded for HMDA?
Why Is A New Flood Determination Needed
Loan Classification Triggers
Do we need an application for this loan?
Stop Pays on ACH Pay Day Loan Payments
Flood Insurance
Waiving ROR on Refinance of Principal Residence
RESPA and Fee for Services
ECOA Requirements on Term of the Loan
Disagreement on maturity dates
Cross-collateral clause and rescission
Record Retention for Imaged Loan Documents
Titling a loan to a sole proprietorship
Loans and Insurance Disclosures
FACTA - Loans Based on Credit Scoring Trigger
Timing of Adverse Action Letter on Mortgage Loan
Free Phone Card - Getting a Referral In Return
Reg B. Commercial Adverse Action
Is This a Permissible "Quid Pro Quo"?
Demand Letter Process
Flood Notification
Refinance or not?
Will This Be an ARM Loan?
APR on this loan?
Small Business Loans
Checking Account as Collateral for Loan
Deposit Accounts as Collateral
Avoiding The Rescission Period
HOEPA Reporting Threshold
HMDA Reporting on an Unreturned Loan Application
Checking Account as Collateral for Loan
Deposit Accounts as Collateral
Record Keeping on Paid Loans
Vacation Package in Exchange for Loan Referrals
Returning paid documents
Is This Servicemember Protected by SCRA?
Do We HMDA a Loan for New Appliances?
AA on Loan Application - 2 SARs Filed on Customer
OFAC Checking of Loan Payments
Purpose for Closed-End Home Equity Loan
FACTA - Don't Report Negative Information on Loans
Disclosing Mortgage Spreader Clauses
Disbursing Loan Proceeds Before Borrower's Funds
Reporting Loans to Credit Bureau
Abundance of Caution Collateral & Flood Insurance
Which HOEPA rate do I use?
Two loans at closing - one HUD-1
Loan Interest Rate Discount for Automatic Tran
Will Promo Open a Treasure Chest or Can of Worms?
Early Disclosures for Bridge Loans
Flood Zones, But Coverage Is Not Available
Changing Late Fee on Existing Loans
Reg B - Financing Insurance Premiums as Loans
Loan Denial Notice
Interest rates for servicemembers
Signatures required on loan to partnership
Is this prohibited discrimination?
Dual mortgage origination structure--compensation
Permitted fee for services?
Loan on Spec Home - Disclosures?
APR Explanation?
Variable Rate Construction Loan
Using Escrow Account Surplus for Delinquency
Do We Need to Give Another Flood Notice?
Rescission Rights on Mobile Home Loan
Reg O and minority partnership interests
The Difference Between a Loan and a Credit Sale
Business Loan CRA/HMDA Reporting
Advance Qualification of Loan Prospects?
Refund of Rate Lock Fee -- POC?
Flood Checks on Every Mortgage Loan?
Can a Real Estate Agent Steer Clients Toward a Lender?
Affording a Home in High-Cost Areas
Long First-Period Mortgages
APR Formula for Construction Loan
Can Defaulted Loan be Modified?
Must We Have a Rate "Cap" on This Loan?
Is a Modification of This Loan Possible?
News Release Compliance Issues - Loan Program
Registering MSBs
Police Presence Via Low Cost Mortgages
Capitalizing Interest on Loan Renewal
What actions should my institution take in order to expand our Assessment Area(s)?
Section 32 Loan Question
Collecting GMI on a Construction Loan
1098 Reporting on Non-Accrual Mortgage Loan
Days to First Payment -- Who Governs This?
Are Loan Proceeds Payable To Others Rescindable?
CIP Requirements on a New Loan Customer
Lending More for Debt Servicing
OFAC Requirements for Lenders
Selecting reasons for declining loans
Usury laws question
Setoff with a wrinkle
Life of Loan Designation
Preferential Employee Loan Rates
Web Site For Student Loans
Consumer vs. Business Purpose Loans
SCRA & Student Loans
Additional funds for a construction loan and disclosures
What is Active Duty for SCRA?
Stop Payment on a Loan Disbursement Check
Mortgage Rates Tied to an Employee Benefit Plan
PMI on Construction Loans
Setoff at the Teller Window
Loan Denials for Third Party Applications
Balloon Loan Disclosures
Disclosure of Construction to Balloon Loan
Incentive Program for Audit/Cmpl/Loan Rvw
CRA Investment Test
ARMs & Rate Spreads
Cooperative UCC Filing- Continuation
OFAC & mortgage broker loans
Guru Chatter on Advertising Loans(PDF)
Dealing with a Reimbursable Violation
Retaining I.D. in CIP loans
Motel Loan HMDA Reportable?
CIP & Purchased Loans
Documenting the Loan
Balloon Disclosure
MPPP on a Non-Residential Condominium
Attorney Selection Based on Who Is Paying
Signature Requirement for UCC-1
Lien Release Timeline
Making Loans to Illegal Aliens
Birthdates for Loan Applicants
Removing an Applicant, New Application?
First Time HMDA Reporter Has Questions
Temp Loan to Rehab Property: HMDA Reportable?
Industry Standard for Documenting Joint Apps
Wording for Consumer Loan Apps
Finding a Census Tract Number
Exception to LTV Ratio
Classification of Doc Prep Fees
Renewing loans, property improvements, and flood
Advance Notice of Hazard Insurance Force Placement
Additional Flood Insurance for Line of Credit
Reg E Coverage of Automatic Loan Payments
Funding Loan After Borrower Rescinds
Obligation to Fund Loan
Timing for Checking OFAC on Loans
ROR on Construction to Perm Loan
CIP on Construction Loan
HMDA Reporting for Bank That Sells All Loans
Bank in Dark Ages
Reg O Demand Clause
Retention Period for Paid Off Loans
Early Disclosures on Construction Loans
Loan Participation & Flood Requirements
Limits on Loan Payment Extensions
CIP and Guarantors
Are your Internal Controls like Swiss Cheese?Part 8
Are disclosures necessary for a $1MM consumer loan?
Purchase money open end line of credit?
Is participant required to get a flood certificate
Disclosure Requirements For Auto Debit Reduced Rate Loans
Negotiated closing costs & no-closing cost loans
Loans, Collateral, & Bankruptcy
Examples Of Using A Loan To Launder Money
Bridge Loans & ROR
Calculating APR On Loan Renewal
Consumer Construction Loan Disclosures
What are the maximum interest rates on CD loans?
Loan To A 16-Year-Old
Using Maiden Name On Loan Documents
Can We Convert Balloons To ARMs Prior To Maturity?
Real Estate Employee Referral Incentive Programs
Commercial Loans: Customer Copy Of Appraisal Required?
Can a commercial loan be made to a borrower if the proceeds are to be used for investing in an annuity?
Modifying Secured Loans
Real Estate Loan To Illegal Immigrant
Limits on Consumer Loan Fees?
Is a loan application always required?
Pricing Loans Based On Credit Scores
Loan Document Preparation Fee Issues
Residential Construction Loan Notice Requirement
Exceptions to Rewriting, Extending, or Re-Aging Consumer Loans
Using Consumer Forms For Commercial Loans
Sample Form For The Past Due Mortgage Loan Notice
Forms For Loan Officers
Can a federal credit union set a minimum mortgage loan amount?
Increasing The Loan Amount For A Commercial Customer -- New Note?
Compliance For Mortgage Brokers
Is it necessary to report our commercial and agricultural loans to the credit bureau?
Pre-nuptial Agreements, Real Estate, and Mortgage Loan Signatures
Construction Loan Disclosures
Guarantor vs. Co-signer vs. Co-maker
Converting Construction Loans
State Law Or Federal Law For Loan Fees
Loan Review and Credit Risk Rating
Using Average Costs For Loan Fees
Is it illegal to charge a loan documentation preparation fee?
Commercial Loan Prepayment Penalty Disclosures
Disclosures For Auto Loan Promotions
ARM Loan With Demand Feature
ARM Loan Disclosures
Loans For Those With Poor Credit
Revising Loan Payments Based On Escrow Changes
Construction Loan Compliance
Loan Operations Training On A PC-Based System
Loan Policies & Procedures Training
Getting Clean Loan Files
Timely Delivery of Paid Off Notes
Correcting Misapplied Payments
Take your loan office to the dealership
Creating custom loan programs
Using pivot tables to check up on your loan officers
Massage your loan data with Excel
Disclosure Requirements: Variable-rate Commercial Loans
Commercial Requirement for an Itemization of Amount Financed Form?
Take your loan office to the dealership
Creating custom loan programs
Using pivot tables to check up on your loan officers
Massage your loan data with Excel
Emergency Loan Programs For Employees
Any Problems With "Skip-A-Payment" Loans
Re-filing Liens on a Renewed Loan
Can an individual have a demand feature on a loan?
"Never Take Collateral You Have To Feed"
Loan "Skip-a Payment" Plans


Lobby Notice
5-in-1 Employment Poster: Post In Lobby?
Posting the Privacy Notice
Funds Availability Notice – Font Size Requirements
List of Notices to Post in Bank
Looking for a Financial Disclosure Notice
CRA Branch Lobby Notice
Safe Deposit Boxes in the Lobby
Reg DD - Posting Fee Change in Branch Lobbies
Lobby Rate Board - Interest Bearing Products
Reg Z Advertising Disclosure Rules For In-Branch Posters
HMDA Lobby Notice Posting
Signage Search
Lobby Posters in an LPO of a National Bank
Tiered Rate Savings Ad on Scrolling Sign
Explicitly Mentioning the PATRIOT Act on Lobby Notices
CIP Notices to Loan Customers
Posting Base/Prime Rate in Lobby
Lobby Notice Requirements Chart


Lottery
Bank Responsibility-Freeze From Lottery Commission
Considered MSB if Selling Lottery Tickets?
Employee Drawing for Charity-Definition of Lottery
Cash Offer for Open Bill Pay-Fall Under Lottery?
Promotion for Only New and Approved Loans
Legal Issues w/ Selling Bracelets on Teller Line
CD Special Promo Considered a Lottery?
Reg Q and Reg D and Bank Giveaway
Drawing for Kid's Club a Lottery?
Posting Winner of Drawing in Lobby
Did we Violate Contest Rules
Selling Tickets for a Charity
Raffle Tickets for Charity are OK
Is Our Race a Lottery?
CRA Credit – Home Purchasing Seminar
After the Fact
Baseball Association Raffle
Lottery?
Gift Basket Drawing
Prize for Particular New Account
Non-Profit Organization Car Raffle
Drawing for Student Accounts
Encouraging e-Statements
Advertising a Sweepstakes Drawing
Website Survey – Is this a Lottery?
Lottery for a Good Cause
"Show Us Your Debit Card" Drawing
Face Time to Enter our Drawing
Giving away Lotto Tickets
End of the "Student" Account
Sweepstakes - Bonus?
Enter a Drawing by Completing a Customer Survey
Will Promo Open a Treasure Chest or Can of Worms?
Grand Opening Drawings & Employees
Credit Unions - Lotteries/Sweepstakes
Snow Blower Raffle
Ads, Credit Cards, and Illegal Lotteries
National Bank Permitted to Sponsor/Hold a Raffle?
Web Charity Auction
Drawing Restricted by Age
A Raffle with Restrictions
Money Tree Promo
Silent Auction
Ask About our Accounts & Enter to Win a Trip
Will Promo Open a Treasure Chest or Can of Worms?
Enter Contest - Receive Bank Product Emails
Am I Losing My Marbles?
Johnny Appleseed Jr. Ecology Club Program
Fundraising Raffle
Prize Drawing Tied to Auto Loan
Would This Be Considered a Lottery?
Prize Drawing limitation
Complete & Return a Survey - Enter a Drawing
Would This Be Considered a Lottery?
Check Card Contest
Privacy and Drawings
Advertising a Drawing - Rules & Reporting
Posting Rotary Club's Charity Event in Lobby
Naming Prize Winner in Customer Newsletter
OTS Savings Associations & Lottery Rules
Anyone Can Enter the Drawing......However
Sign Up for Internet Banking - Enter a Drawing
Golf Tournament Sponsorship
Enter a Drawing by Making a Donation
New Branch Opening - New Car Giveaway
Revamping Our Refer a Friend Promotion
Win Cash at the ATM
Customers Drawing for a Bonus on Free Checking
Disclose "No Purchase Necessary" in Sweepstakes Ad
Give Aways and Drawings
Raffle Compliance
Sign Up for Free Bill Pay/Get Entered in a Drawing
More Raffle Tickets for Opening an Account
Will Promo Open a Treasure Chest or Can of Worms?
Fundraising Ticket Sales for Prize (In Bank)
Will Promo Open a Treasure Chest or Can of Worms?
Selling Lottery Tickets for Charitable Donation
Reporting Fraudulent Lottery Scams
A Lottery or Not?
Sweepstakes
Guru Chatter on Lotteries (PDF)
Is this a Lottery
A Unique Sweepstakes Prize
Give Aways and Drawings
Employee Contests, Prizes, and Rules
Contest For Online Customers Only
Raffle Compliance
Can we have a free drawing for a trip?
Get A Loan, Get a chance to Win
Referral Programs & Lotteries
Compliance Aspects of a Vacation Giveaway
Promotional Offer: Sign Up and (Maybe) Double Your Interest Rate






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