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denotes Guru Question & Answer.

Mail
FCRA - Mailing Adverse Action Notices
Debit Card Mailing – Age 70 & Over Excluded
Annual Privacy Statement Mailings
Going Away Celebration - Invite Retiree's Clients
What should be included in address discrepancy procedures?
Sending Out Privacy Notices in Statements
Mailed Returned - Block Card Access?
Hold Discussed w/Customer– Mailed Notice Required?
Mailing a Credit/Debit Card to a PO Box
Mail/Telemarketing Campaign - Gas Card Giveaway
Resending Returned Adverse Action Letter
Bank Statement Returned Mail Compliance
Cashier's Check Lost in Mail - Reissue a New One?
New Customers - Returned Mail
Opening New Accounts Via Mail
Returned Statement Record Retention
Living Outside of US - Monthly Statements
Send Stock to be Re-registered
ID Verification Via Mail for HSAs
EHL and/or EHO logos
Must Both Signers Sign Change of Address Form?
EHL & FDIC Logo Required on Direct Mail Postcard?
Are Periodic Mail Statements Required?
Record Retention for Incoming Mail
Direct Mail
Mailing Info on Bounce Protection
One-time Use Numbers Protect Against Fraud
Returning paid documents
HELOCs, Direct Mail Promotion and Disclosures
Signing Online Change of Address Request
Just Like The "Good Old Days"
Using Certified Mail for Filing CTRs
Are Internet Applications Like Mail Applications
Mailed Receipts for Night Deposits
Guru Compilation: Direct Mail(PDF)
Sending Business Check Cards
Exercising the Right of Rescission
Tips for Dealing with Suspicious Mail
Dark Clouds and Silver Linings -- How the Postal Service Problems May Affect You


Management
Security Officer's Role in BHC's Insurance Agency
Maximum Number of Board Members
Management information system can improve client retention
Energize Your Business Development Team
Improve Bank Officer Calling Results
What to do before the Examiner Review
Overdrafts Moved to Clerical Position
How Not to Quicken Compliance
Human resources should be properly grown
Banking Employees - Strategic Leaders or Just Employees
Businesses Discuss Data Management Issues


Margin Stock
Margin Stock
Reg U on Brokerage Accounts
Guru Chatter on Loan Collateral & Security Interests
Reg U coverage triggers
Guru Chatter on Reg O
Reg U & Enforcement Fines
Reg. U Stock Loans
Can a commercial loan be made to a borrower if the proceeds are to be used for investing in an annuity?
Is a new Reg U form required on a renewal?
Reg U Form Requirements
Reg U & Stock-Secured Loans


Marketing
Non-Profit Organization Car Raffle
Advertise as a Free Checking Account?
Spanish Language Advertising
Reasons for Not Meeting Sales Expectations
Signs Employees are Unwilling to Meet Sales Expectations
Confronting Employees Unwilling to Meet Sales Expectations
Advertising Non-deposit Investment Products
Open House – Selected Customers
Accuracy of Interest Rate on Webpage
Improving Sales Performance of an Employee
Confronting an Employee about Sales Performance
Dealing with Employee Unwillingness
Drawing for Student Accounts
Encouraging e-Statements
Loan Rate Sheets
Sales Training
Employee Product Knowledge
Mortgage Coupon Book Advertising
Contact us at...
Electronic Board for Ads
Free Business Checking Account Compliance
Paid Statement Stuffers
Website Survey – Is this a Lottery?
Check & Debit Card Buy Back
Print Ad - Mortgage Lending Compliance
Advertising MMDAs
Debit Card Limits
EHL logo on Commercial Loans
Employee Interest Rates on CDs
Info To Realtors
Advertising Mortgage Products on a Bank Statement
Tax Value of Fulfillment Company Gift Coupons
Gift Card and Reporting
Lottery for a Good Cause
"Show Us Your Debit Card" Drawing
Attracting Middle Market Customers
Face Time to Enter our Drawing
Abbreviated Ad Disclosures
Giving away Lotto Tickets
Marketing Via Email Blasts & Networking Sites
Refer a Friend
Referral fee for business accounts
Offering Gas Coupons
1099 on Giveaway Valued Less than $250?
In-house Mystery Shopping
Radio Ad
Advertising MMDAs
Selling Compliance as a Service to Your Customer
Advertising APY Instead of Annual Percentage Yield
Advertise a Tiered Rate
Advertising deposit and insurance together
Listing an APY in a link on the bank's website
Marketing Letters
Improving Customer Service and Beating the Competition
Radio/TV Ads for a Tiered Rate Account
Mortgage Promotion
Advertising Exemption Under Section 230.8
Sending Email Marketing
Tombstone Ad
How Current Events Have Changed Banking
Bank T-shirts
Advertise a Discounted Loan Payment
Sharing Customer Info with Bank’s Brokerage Firm
Advertising NDIP in Bank Newsletter
Summary of the CAN Spam Act
Marketing Messages
Bonus to Open for Existing Customers
FDIC Official Advertising Statement
How Accurate Does the Interest Rate Have to Be?
Is a Gift a Bonus?
Cold Calling
Advertising Non-FDIC Products at Front Window
End of the "Student" Account
Health Savings Account Ad
Branch Advertising
HSA Tax-Free Advertising
Recovering a Bonus for Early Closure
Advertising our Strength
FDIC Membership
New Forms of Marketing
TISA Disclosures
Regulation Q - Advertising
Bonus or Not?
Updating APR in Advertisements
Advertising APY
Advertising a CD Special
New Reg Z Rules and Balloon Payment Disclosures
Advertising & the APY
New Account Cash Bonus & the Toaster Rule
Format Requirement of E-Statements
Mortgage Ad and Trigger Term Placement
Banner Ad Trigger Term Placement
New Tax Deductibility Rules
APY and Billboard Ad
CountryFest Tickets
Tier Advertising
Sending Email Ads to Selected Brokers
Marketing Servicing Agreements
Sweepstakes - Bonus?
Enter a Drawing by Completing a Customer Survey
Telemarketing to Businesses
Newspaper Insert - Monthly Payment Chart Loan Rate
Will Promo Open a Treasure Chest or Can of Worms?
Get Your New Program off the Ground
Home Equity Line of Credit - Open End
Grand Opening Drawings & Employees
Charitable Contributions
Joint Promo with CPA
Joint Marketing Agreements
Print Materials - Minimum Font Size
Mortgage Rate Sheets
New FDIC Signs
Charitable Contributions Considered a Bonus?
Loan Sign Advertising Compliance
New Auto -Loan - First Payment 90 days
2009 Bank Sales Culture
Newspaper Commercial Loan Advertising
Potential Customer Letter
Advertisement for Stored Value Cards
Higher Deposit Rate for Wealthy Neighborhood
Credit Unions - Lotteries/Sweepstakes
New Branch Grand Opening
Snow Blower Raffle
State the Rate or Just the APR?
Statement Considered an Advertisement?
Mortgage Broker - EH Logo
Cost to Acquire New Customers
Temporary Liquidity Guarantee Program
Marketing Button - Indoor Signage?
Setting up a Blog or a Facebook Page
Non-bank Verbal Cross-sell
Green Financial Services Marketing: Leading the Way to Eco Friendly Business Practice
Weblink to OREO
Outdoor Sign
Giving a $50 Certificate to 18 Year Olds
OREO Advertising
CD Advertisement
Bonus on Account - Disclosure for 1099?
Deposit Incentive
In Branch Advertising
Advertising Increased Insurance
Bank Marketing Expenses
Teller Cross Selling Training
Source to Generate New Banking Business
Advertising - Loan Amount & Calculating APRs
National Bank Permitted to Sponsor/Hold a Raffle?
Statement Stuffer Loan Ad – APR Disclosures
Reg DD Advertising "limited time offer"
Loan APR Discount
Check Card Contest
Educational Materials and Ads Combined
Advertising FDIC Insured Money Market Accounts
FDIC Logo on Security Envelopes & Promo Items
Vendor Pitching Insurance Products in Bank Lobby
Check Card Contest
Advertising Material Record Retention
Ads, Credit Cards, and Illegal Lotteries
Brochure Disclosures
Advertising CD APY Rates & Reg DD
FDIC and Loan Ad
Financing provided by...
Required/Optional, Member FDIC
Electronic billboard and FDIC
Offering High Rate Savings Account in Affluent Area
Credit Card Phone Apps & Schumer Box Disclosures
Translating FDIC Disclosures
Drawing Restricted by Age
Current Customer CD Promo - Follow Up Phone Call
Advertising Non-FDIC Insured Products on Website
"Member FDIC" Statement
Deposit Bags
Reg Z Advertising Penalties
Loan Rate in Advertisement
Lobby Rate Board - Interest Bearing Products
A Raffle with Restrictions
Email Marketing
Bonus vs Interest
Advertising Tax Benefit
Advertising a Car Dealership on Our Website
Shredding the Competition
Money Tree Promo
Additional Terms Triggered by the Word Bonus?
Trigger Terms on Rehab Loans
Changing Deposit Account Terms
Using Currency in our Ad
Totally Free Business Checking
Silent Auction
In-house Lobby Flyers - Disclosures Required?
Affiliate Marketing Rules
Ask About our Accounts & Enter to Win a Trip
Restrictions May Apply
Disclosing Loan Rate as Prime
Sponsoring a Radio Ad - Member FDIC Required?
Radio Ad and Tiered Rate Account
EHL Doghouse Logo
Loan Message on Statement – EH Logo Required?
Blended APY on Rate Board/Lobby Sign
Monitoring Personal Lines of Credit
Ignored by Bank Personnel? We'll Give You $20
Solicitation Letter, APR, and Disclosures
Will Promo Open a Treasure Chest or Can of Worms?
Enter Contest - Receive Bank Product Emails
Using Banker Photos in Marketing Campaign
Flyers Advertising Mtg Rates – Do’s & Don’ts
Tier Advertising
Advertising with a Realtor
Bonuses received for "Free"
Train to be Competitive
Reg Q - Cash Bonuses for Opening Accounts
Mail/Telemarketing Campaign - Gas Card Giveaway
Read Board Advertising
Portfolio of Lending Products for SMBs
Market Presence
Am I Losing My Marbles?
EH Logo - Hi-resolution Copy
Colorful New Words
Referral Fee to Customer
Joint Advertising
Tailoring Customer Marketing in Real Time
Member FDIC Logo on Bank-Sponsored School Sign?
Marketing "Not FDIC Insured" Insurance Products
Member FDIC Required on Privacy Disclosures?
Advertising a Private Insurance Carrier's Logo
Reg Q Confusion & Competitor's New Account Promo
Community Banks and the Banking Crisis
FDIC Logo
Outside Banner Advertising a HELOC
HELOC Marketing
Attracting the Attention of Institutional Investors
Customer Appreciation HELOC Offer
Member FDIC Logo on Bank-Sponsored School Sign?
Website Banner Advertising - One Click Rule
Advertising Noncompliance Penalties Publications
Fundraising Raffle
Privacy Regs and "Tell a Friend" Marketing Program
Flyer Ad - Quoting Monthly House Payment Only
Understanding Tax Reporting and Promos
Trigger Terms
In the Doghouse?
Is Direct Marketing to Seniors an ECOA Violation?
Reg Z Advertising Disclosure Rules For In-Branch Posters
Wording on Billboard Advertising
Reg DD & Advertising
Marketing "Not FDIC Insured" Insurance Products
Officer Call Program
New Account Promo - $25 Gift Card Bonus
OLD FDIC Seal in Print Ads
New Account Promo - Regulations Triggered?
Prize Drawing Tied to Auto Loan
Marketing - Obtaining Customer Information
Disclosures for Advertising Special Rate Deals
Electronic billboard advertising compliance
Would This Be Considered a Lottery?
Buck Slips
Logo Size
Advertising Questions
Prize Drawing limitation
Event Sponsorship
Complete & Return a Survey - Enter a Drawing
Would This Be Considered a Lottery?
Statement Stuffer
"Click here" link...
Advertising Amortization Period
Winning New Bank Business In Quick Time
Searching for an Advertising "Bible"
Check Card Contest Revisited
Ad Featuring Prominent Bank Customer
Does Size Matter?
Pizza Coupons
New Account Sale - Referral Fee
Boosting Customer Service and Retention
Check Card Contest
HELOC Visa Referral and Rewards Program
Mortgage Advertising - Which Logo Do We Use?
About the New FDIC Sign
Rate Sheets
Gift Cards for Loans
Bonuses on an Account
FDIC Logo Change?
HELOC Outside Banner
Reg DD - Bonus Offered on a Non-Interest Account
Free Checking Do's & Don'ts
DDA Advertisement - Rate of Return
RESPA Ad on Contractor's Website
Marketing Budget Benchmark
Dry Erase Board Ad
Bonuses On an Account
Banking on Sharia Principles: Islamic Banking and the Financial Industry
Educational Materials and Ads Combined
Flashing Sign
NEW FDIC Logo
Quoting a Monthly House Payment on a Flyer
Reg DD & Introductory Rate
Advertising a Balloon
Mailing Info on Bounce Protection
Splitting Advertising Costs - RESPA Violations?
Reg DD Bonuses
Highest Quality and Ethically Sound
Training CSRs
Rate Sheets
Gift Cards for Loans
Using Credit Info Obtained from Portfolio Reviews
FDIC Logo and Credit Card Ads
Advertising Rates based on Credit Scores
Highest Quality and Ethically Sound
Training CSRs
Rate Sheets
Gift Cards for Loans
Using Credit Info Obtained from Portfolio Reviews
FDIC Logo and Credit Card Ads
Advertising Rates based on Credit Scores
$25 Gift and DD Account
Realtor Flyer
Advertising a Tiered-Rate Account
Remote Deposit Capture – System Name or Tag Line
Remote Deposit Capture – Pricing and Sales Strategies
Selling in a Crowded Market
Advertising Health Savings Accounts
Advertising Commercial Loans
Ads with Balloon Payments
Insurance Ad Rules
FDIC and EHL Logos
Draw on your HELOC and Receive a $75 Gift Card
Selling Individual Retirement Accounts (IRAs)
Free Checking Advertising - Inactive Account Fee
Giving a Gift Card as a Deposit Premium
EHL Included in all Advertising?
Statement Stuffer
Click Here Link
Increasing Savings Account Deposits a Must
Insurance Ad Rules
FDIC logo and credit card ads
Advertising Rates based on Credit Scores
Rate Sheets - Are They Considered Advertisements?
Gift Cards for Loans
Bonuses on an account
Community Bank vs All Other Financial Institutions
Privacy and Drawings
Telephone Hold Messages - Member FDIC
Understating an APY
Gift Cards- disclosing fees on advertising
Advertising on a Banner
Using Customer Profitability Reporting for Higher Return
Marketing "Not FDIC Insured" Insurance Products
Sporting Event Tickets - New Account Giveaway
Non-cash Gift HELOC Promotion
Deposit & Debit Charges on Free Checking?
FDIC Logo Required on Public Relations Ad?
Member FDIC on General Image Boards
Gift Cards- disclosing fees on advertising
Commercial Internet Banking
Issuing Debit Cards to Commercial Customers
Co-op Advertising Agreement
Should We Include the Logos in the Ad?
Equal Housing Logo - What is it?
EHL Logo Ad Sizes
Marketing to the Unbanked Population
Exclude Member FDIC?
Is this Referral a RESPA Problem?
Exercise Caution in Disclosing "Bonus Rates"
ATM Balance Information
Bank Wants to Increase Fees, Disclosures Required?
Deposit Insurance Statement in Loan Ads
NCUA TV Ad - Equal Housing Lender
Spanish Language Advertising
Exterior Signage Disclosures
Free Checking - Account Closing Fee
Making Online Banking More Effective with Web 2.0.
Trigger Term Lapel Pins?
EHL Logo - Classified Ads
Commercial Real Estate Tombstone Advertisement
Tiered MMA Advertising
Commercial Lending Newspaper Advertisement
ODP Discussed at New Account Opening
Bank Advertising - Member FDIC
Advertising a Stepped-Rate CD
Reg DD - Marketing of New Accounts
Reg Z - Advertising Trigger Terms
It is not Always Smooth Sailing
Advertising Fee Free ATM Usage
Advertising a CD APY on Scrolling Reader Boards
Newspaper Ad - Additional Disclosures Required?
1099 INT Form Required?
Member FDIC Logo on Bank Sponsored School Sign?
APY Disclosure of Promo Bonus
Free Checking Account Inactivity Fee
Naming Prize Winner in Customer Newsletter
Time Deposit Advertising Disclosures
Annual Percentage Yield Stated in CD Radio Ad
In the Doghouse?
FDIC Official Statement in TV Ads
Human Model Advertising?
CD Promo Proposal
Grand Opening Promotional Savings Account
Direct Deposit/Minimum Balance Required
Website Banner Advertisement
Free Account - Some Restrictions Apply
Drawing for a $500.00 Savings Account
New FDIC Logo
Thirty Second Ad vs. Sixty Second Ad
Totally Free Business Checking Account?
Remote Deposit Capture - - Should Our Bank Brand the System or Use a Tag Line?
Developing a Debit Card Strategy
New Insurance Products - Notify Deposit Customers
Sign Up for Internet Banking - Enter a Drawing
Anyone Can Enter the Drawing......However
APY vs Annual Percentage Rate
Golf Tournament Sponsorship
Is Advertising No Fees a Trigger Term?
Say It and Show it?
Free Checking Advertisement
Enter a Drawing by Making a Donation
Building A Bank Sales Culture
New Branch Opening - New Car Giveaway
FDIC Logo - Minimum Type Size on Print Ads
Lender Business Cards - EHL Logo & FDIC Logo
Member FDIC on Construction Signage?
New Account Giveaway
Rate Sheet for Realtors
Calculating Mortgage APR for Advertising
Mobile Phone Ads - Display "Equal Housing Lender"
Bank Sign at Baseball Field, FDIC Logo Required?
Advertising and Overdrafts
Revamping Our Refer a Friend Promotion
Disclosing Contest Winners to Local Newspaper
Remote Deposit Capture - Selling Remote Deposit Capture?
What is the Toaster Rule and Requirements?
Requests for Proposals
Advertising Deposit Rates
Banks concerned as retail industry attracts profitable customer group with self-service technology
What is a branding audit?
Debit Card or Online Bill Pay & the Bonus Rule
Calculating Mortgage APR for Advertising
Gas Certificates - Reporting
Win Cash at the ATM
Reporting Prize Income
Cold Call Do's and Dont's
Bank Advertising Training Needed
Annual Percentage Yield - Used First
APRs Quoted over the Phone
Privacy Laws & Marketing to Non-Customers
Refer a Friend
Assessing Fees on "No Fee Checking" Accounts
Fax Opt Out Disclosure
Who belongs on your own DNC list?
Plasma TV with a 3 Year CD
Bonus Bucks
Charging a Fee on a Completely Free Account
Match the Rate in Competitors' Newspaper Ads
EHL and/or EHO logos
Junk Fax Rules
Retention of Rate Information or Sheets
Member FDIC on Name Badges
Unbanked Customers Bring Value to Willing Financial Institutions
ODP Balance on Network ATMs
Reg DD - Marketing of New Accounts
Bonus Gift Card
Bank Pays for Upgrade, RESPA Violation?
Use Member FDIC or DIF in Newspaper Ads?
Graduated Payment or Variable Rate Ad?
Equal Housing Logo -- Minimum Size? Location?
Reg DD Bonuses
Advertising Promotional APYs on Deposit Products
Language Disclosure for Sweepstakes Entry Blank
Advertising a CD APY on Scrolling Reader Boards
Reg Z - Advertising Trigger Terms
Member FDIC & Outhouse logo on Survey Form
Advertising Via E-mail
APY in Radio Ads
No Need to Spell Out the APY in E-advertising?
Website Video Advertisements
Typing "Equal Housing Lender" in Lieu of Logo?
When Must APR Be Disclosed
Advertising a Stepped-Rate CD
Reg Z Advertising Disclosure Rules For In-Branch Posters
Advertising Equal Housing
Using the EHL in Print Advertising
Is Direct Marketing to Seniors an ECOA Violation?
Scrolling Electronic Signs and the Equal Housing Lender Logo
Reg Z & Interior Billboard Promotion Requirements
EHL & FDIC Logo Required on Direct Mail Postcard?
Using The FDIC Logo When Marketing Your Wealth Management Products
Regulatory Logos on Promotional Items
Advertising an IRA Passbook or CD Account
Prohibitions on Soliciting Low Cost Deposits
Are We Advertising our Overdraft Service?
Customers Drawing for a Bonus on Free Checking
Disclose "No Purchase Necessary" in Sweepstakes Ad
Reg Q - Cash Incentives to Open a Checking Account
Equal Housing Logo Requirements
Regulatory Logos on Promotional Items
EHL Logo on Commercial Ads
Member FDIC Printed on Coin Banks
NASCAR
The Competition Is Calling on Your Customer -- Are You?
Pre-approved Home Equity Loan Promotion
Type Size Required on a Periodic Statement
Advertising APR
Finding Other Lenders' Marketing Materials
Difference Between Vertical and Horizontal Market
Give Aways and Drawings
Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs
Solicitation Letter, APR, and Disclosures
Raffle Compliance
Customer Retention
Marketing In The Aisles: In-Store Branch Compliance
Keeping Copies of Advertising
Sales vs. Marketing
'Thank you' goes a long way toward a better customer relationship
How do your customers rate you? Just ask!
Logo Creation
Using Your CEO in TV and Radio Ads
Choosing Promotional Giveaways
Advertising NDIP On Outdoor Signs
A Tip on Statement Stuffers
How Effective Was That Ad?
Effectively Using Billboards
Direct Mail
Banner Ad Disclosures
Advertising a 5% CD on "Flashing Signs"
Mailing Info on Bounce Protection
Electronic signage
Is a banner attached to building an exemption for a Reg DD ad?
CD bonus adverstisement
Sign Up for Free Bill Pay/Get Entered in a Drawing
Must I Disclose Both Rates?
EH Logo: Direct Mail Advertisement for Home Sales
"Smarter" Money Smart
Preventing Bouncing Problems (Best Practices)
Pay for Performance in Lieu of Incentive Program
Web Collaboration's Influence on Sales
Disclosing Pre-payment Penalities in HE Loan Ads
Reg Q Confusion & Competitor's New Account Promo
Insurance Disclosures on the Marketing Brochure
Banks Trusted by Consumers on Internet Privacy
Do Not Call Number on the Telemarketing Script
Advertise Checking Account as "Free"
Donations to Local School System Foundation
Managing Campaign Monies Online
Preparing Students for the Outside
Usually the Last to Know
Supporting Twin Cities Groups
Chinese Credit Card
Is FDIC Logo Required on Informational Brochures?
Youth Savings Account
Spin the Prize Wheel
All on Board the Referral Train
No charge, no delivery of appraisal?
Checklist of Surveying Attitudes Towards Team Pay
Check Cashing at the Machine
Open an Account & Reduce Your Loan Interest Rate
How To Get New Accounts - Quickly
Bank is Top Innovator
Advertising a Loan With a Prepayment Penalty
More Raffle Tickets for Opening an Account
$50 gas card subject to IRS Reporting?
Lending & Mortgage Departments Share Credit Report
Affinity Group Banking Program
Advertising a Private Insurance Carrier's Logo
Marketing Club Account to Young Professionals
Partnering With CPA Firms
Socially Responsible Investing
Customer Says "Opt Me Out or Else!"
Marketing Campaign to Existing HELOC Customers
Outside Banner Advertising a HELOC
Get Your New Program off the Ground
Energize Your Business Development Team
Improve Bank Officer Calling Results
Expanded Positive Pay Capabilities
Attracting the White Collar
A Convenient Way to Get Paid
Survey Reveals Banks Aren't Tapping Their Own Customers
Online Spanish Services
The Check Ain't Dead - But It's Lagging
Free Phone Card - Getting a Referral In Return
Is This a Permissible "Quid Pro Quo"?
Web Site Modifications
Prepaid Industry Global in Scope
Statistics, Facts, & Such
Promotion Idea for Realtors
Does Logo Size Matter?
Vacation Package in Exchange for Loan Referrals
Dollar Threshold for "Thank You" Gift to Borrowers
A Discount on a Loan for Getting Credit Life Insurance
Creating an Effective CRM Strategy
How can I retain customers that are refinancing their mortgage?
Will Promo Open a Treasure Chest or Can of Worms?
Visa's Gift Card Spreads Wings
Targeting Youth
Pick Your Own Bonus Point Program
Service to Help Identify Customers
Ad for Mortgage with Discount for Autopay
Will Promo Open a Treasure Chest or Can of Worms?
Classified Ad Aimed At Bi-lingual Customers
Statistics, Facts & Such
U.S. Banks May Need to Focus on Product Initiatives
Statement in Ad Trigger Additional APY Disclosure
Handling Multiple Regulatory Disclosures
Credit Unions Network to Provide Branching
Bank Mergers: What The Latest Ones May Mean To You
Customers Favor Personalization Over Pricing
EHL or EHO Printed on Promotional Coupon?
Using CSRs to Achieve Corporate Goals
7 Ways to Improve Sales and Marketing Performance in Banking
A Grocery List Worth $10,000
Appealing to the Female Professional
Small Banks Taking Advantage of Larger Mergers
Avon" Calling
How can I improve cross-selling of other products along with mortgage loans?
Offer $5 to Applicants of Personal Line of Credit
Selling Lottery Tickets for Charitable Donation
Advertising - Charging ODP Fee on Free Checking
Compliance Tips for Advertising and Marketing Deposit Products
Marketing Rookie Seeks Development Suggestions
Using Gift Cash To Teach Savings
Programs Target Wealthy Depositors
Fee Free Checking
Community Banks Define Success Through Design
CDs Only Offered in Bank's Geographic Market Area
CD Promotion Challenges
Compliance Tips for Advertising and Marketing Deposit Products
Penalties for Violating FDIC Ad Rule
Purchasing ID Theft Insurance for Customer/Member
We Need a "Hook" for a New Product
Reg. Z Advertising Trigger
Three Months of Paid Volunteerism
Attracting New Accounts via Air Miles
Banking on the Kiosk
$50 for Direct Deposit & Funds Transfer
Guess Who Got Tagged With the Annual Report!
Customer Referral Rewards Program
Control of Credit Card Use
Shrinking Credit Cards
Are Banks Reluctant to Offer Premiums?
This Marketing Arrangement Smells Like Trouble
U.S. Banks May Need to Focus on Product Initiatives
French Bank Employees Have Stress Reliever
No One Likes Mystery Meat
Investing in Youth
A Strong Alumni Program
Old Market/New Opportunities
Marketing IBAs to Municipalities
Recommendations to Attract Deposit Accounts
Developing new disclosures
Developing a Sales Culture
Oral quotes of Variable Card Rates
Charging a Fee on a Completely Free Account
Notification of Check Conversion Possibilities
Guru Compilation: Signage (PDF)
Guru Compilation: Direct Mail(PDF)
Guru Compilation: Marketing Offers & Disclosures(PDF)
Negotiation Skills
Engineering a Successful Sales Culture
Sales on the Frontline
Calling All Nearby ATMs...
Coffee & Credit All In One
Delivering Real-time, Robust Customer Profitability Data to the Desktop
Sales on the Frontline
Disclosing Fee Changes
Incentive Program for Audit/Cmpl/Loan Rvw
Risks should be assessed before marketing via e-mail
A Lesson Learned
Guru Chatter on Logos, Ads and Signs (PDF)
Guru Chatter on Advertising Loans(PDF)
Advertising Loan Rates Without an APR
Is this a "Free" Account
Is this a Lottery
Calculating Customer Profitability
How to Select a Consultant that's Right for Your Bank
ATMs May Need New Direction
Advertising Disclosures With Letterhead
Yard Signage and Triggered Disclosures
Teller Excellence ... To be or not to be
Sales on the Frontline
Just Try To Sell This Idea!
Reg. Z Ad Triggering Terms
National Fraud Database Effective
A Unique Sweepstakes Prize
Marketing & Business Development Positions
Sail Art
Supporting the Arts
Smart Cards on Campus
Give Aways and Drawings
Mandatory Use Of EHL Logo
ATMs For Visually Impaired
Improve Loan Production During Rising Rates
Using Testimonials in Trust Marketing
Web Address on Business Cards
EHOL Logo Requirement
New Deposit Marketing Ideas
What are the Components of Profitability
Advisory Boards Made Up of Bank Customers
Customer Reaction to Image Statements
Marketing Retention
What Are The Key Characteristics of a Great Sales Manager?
What Are The Key Characteristics of a Good Sales Manager?
Difference Between Vertical and Horizontal Market
Financial Institutions Bullish In Spending On Tech
Increasing Your Customers' Profitability
Back To The Future
Major Fishing in the SBA Pond
Mortgage Survey for Customers
Finding Other Lenders' Marketing Materials
Building a Brand in Banking
Sharing Information for Joint marketing
Keeping Customers After a Merger
Limits on Customer Referral Programs
And Now A Word From Our Sponsor
"Free" Checking Account
Supporting Public Broadcasting
Teaching Children to Save
Marketing Idea: Using Senior Gatekeepers To Increase Your Business and Customer Service
Rules For Free Checking?
Position Your Bank & Products as Gateways to Desired Experiences
Taking Business from the Competition
The Role for Marketing in Strategic Planning
Road Warrior Bonus
Position Your Bank & Products as Gateways to Desired Experiences
Paying Up To Dress Down
Doing Good Deeds
Encouraging Small Business Checking
WAMU's "Occasio Concept" Catches On
Turning the Ideal Prospect into the Ideal Customer
Fair Lending, CRA, and Targeted Marketing
Written Notice for Changing Equity Line Terms
Fair Lending, CRA, and Targeted Marketing
Officer Call Programs
Tracking Marketing To Minority Groups
Customer Loyalty: You Can Win It Back
"Lobbying" For New Business
"No-Frills" Account
Seniors Increasingly Using Online Banking
HELOC Rules & Advertising "Variable Rate Tied To Prime Rate"
Gauging Sales and Service: There is Help out There
Student Lending Incentives
Bankers Lead in Education Efforts
Financial Education: Out Of The Mouth Of An FRB Governor
Trust & Investment Products In The Same Ad
New Account Opening: Is a check buy-back considered a "bonus"?
Advertising APR
Electronic Marketing Info Source
Proven Ways To Improve Your Bank’s Sales Culture In 30 Days!
Using The Word "Free" In Advertising
What department should be responsible for CRA?
Displaying Loan Rates & Web Site Compliance
Contest For Online Customers Only
Customer Retention
Bank Gives Computers To Schools
Fighting Financial Illiteracy
Convenience To The Max
Multiple Products, One Ad, & Disclosures
Is the FDIC logo required on business cards?
Helping Welfare Recipients Help Themselves
Fighting School Violence
Online Partnerships For Community Banks
Limiting A Product To One Location
Multi-Channel Integration: Reaping the Maximum Benefits
Are We There Yet? Making CRM A Part Of Business Banking
Community Banks Outsource Services
Employee badges & fair lender logo
Raffle Compliance
Advertising Checklist
The Risks of Weblinking
Damage Control
Encouraging Entrepreneurial Spirit
Targeting Those on the Move
Telephone Marketing Restrictions
Can we have a free drawing for a trip?
Gift Cards: The Gift that Keeps on Giving and the Program that Keeps Turning Profits
Web Site Award
Community Bank Student Loan Program
Small Businesses Targeted for Internet Banking
Lending to Businesses with Cash Flow Problems
Are privacy and effective marketing mutually exclusive?
Equal Housing Logo Requirements
Community Bank Advertising Plans
Efficiently Marketing Your Regional Branches
Helping The Bank To Say 'Yes'
Get A Loan, Get a chance to Win
Required Disclosures To Advertise FDIC Insured (And Non-Insured) IRAs
Old, Moldy, and Out of Compliance
Bankers Can Target Four Groups of Internet Users
The Bank of the Future Is Here Now
Telemarketing Sales Rule Information
Clarification on the EHL Doghouse Logo
Using The FDIC Logo When Marketing Your Wealth Management Products
Developing Marketing Plans For Smaller Institutions
Targeted Marketing Campaigns
Marketing In The Aisles: In-Store Branch Compliance
Calculating The Best Mix of Branches, In-Store Branches, and ATMs
Targeting Those on the Move
Local Business Partnerships
Creating A Financial Product Manual
The Gift of Music
Banking with Good Sports
Back-Office Functions Taking Preeminence Over Marketing (Part II)
New Products & Services
DIF Insurance Brochures
Back-Office Functions Taking Preeminence Over Marketing
Limits On Promotional Premiums
Applicability of Disclosure Regs to Automated Telephone Rate Quotes
Identifying Branch Bank Name When Different From Bank Charter Name In Advertising
Quality Stock Photos For Advertising
Toasters, Teddy Bears and Other Freebies
Targeted Mailings Based On Income And Cost Of Residence
Customer Retention Research
Discrimination & Using People In Advertising
Loan Fees & APR
Electronic Consent For Promotional Material
Challenge Your Bank's Current Marketing Approach - Almost Everything You Thought You Knew about Marketing Is Wrong
Bank Advertising for a Competitive Environment
Challenge Your Bank's Current Marketing Approach - Almost Everything You Thought You Knew about Marketing Is Wrong
Depositors Insurance Fund Requirements
Motivate Your Advertising Agency for Better Work
Required Disclaimers For Radio Ads
Stock Photography For Marketing: ATMs
Hot Bank Marketing Tips
Why Is Customer Profitability Measurement In Banking Today So Badly Flawed, Grossly Misleading and Worthless?
Training Sales Reps To Get The Interview
Marketing Your ATMs
Using A Variation Of The "Equal Housing Lender" Logo
Questioning The Customer About Customer Service Quality
"Slide show" Marketing Tool
Successful Selling To Baby Boomer & Older Consumers Consider Developing a Customer Loyalty Club
Marketing & Sales to Baby Boomer & Older Consumers
Hot Bank Marketing Tips
Differentiating Yourself From Your Competitors Through Marketing
Targeting Customers With Direct Mail
Successful Selling To Baby Boomer & Older Consumers Consider Developing a Customer Loyalty Club
What's Your Relationship Literacy?
Hot Bank Marketing Tips
Customer Loyalty Club
Changing Names
Customers Will Be Buzzing
Will and Vision
I Have A Dream! (of the perfect CRM System for the banking industry)
Creating Ads that "Connect" with your Audience
Paying for Search Engines to Find You
Feeling Lucky?
Record Retention Requirements For Marketing Materials
Gathering Marketing Information
Marketing Imaged Statements
Targeted Marketing To Parents
Got Traffic? Now What?


MDIA
see Reg Z, TILA  and other related categories


Medallion Signature
Medallion Stamp Queries
Bank signature guarantees without Medallion
Medallion Guarantee and Bank Name Change
Medallion Stamp vs. Notary Public
Signature Guaranty
What is "Stamp 2000"?
Getting Started With A Medallion Signature Guarantee Program


Medical Savings Account
HSA - Non-tax Signer
Charging NSFs on HSAs
Health Savings Account Ad
HSA Tax-Free Advertising
HSA Accounts & Reg D Transfer Limitations
Advertising Health Savings Accounts
The Benefits of Health Savings Accounting
Thinking of Offering Medical Savings Accounts
Insurance Agency Responsibility For Processing MSA Enrollments


Merchant
Reg E - Merchant Refund
Reg CC Sample Merchant Agreement
Outside Vendor Paying for Customer Referrals
Merchants Collecting NSF Fees Automatically
Merchant Processing Guidance
Merchant Banking Rule Finalized


Mergers/Acquisitions
CIP on Loans Via Acquisition
Ensuring customer confidence during a time of mergers and acquisitions
Acquisition & Merger - HMDA Reporting Requirements
Deposit Insurance Coverage After Bank Merger
It is not Always Smooth Sailing
Possible Bank Merger - BOD's Fiduciary Duty
Exempt Customers of Acquired Bank
Tips for a Successful Merger Integration
Bank Mergers: What The Latest Ones May Mean To You
Disclosures regarding bank merger


MICR
Government Checks Expiration Date
Remote Check Created From Faxed Copy
Personalized Starter Checks - A Fraud Deterrent?
Enhancing the Security of Laser MICR Check Printers
Check Image Quality: How Should Small Banks Prepare?
Recognizing Substitute Checks
Printer Device Consolidation and MICR
Benefits of MICR Check Printing
MICR check printing security checklist
Teller Confirmation of MICR Routing Numbers
26.3 Million Treasury Checks Going Out: What Every Teller Should Know



Minors
Custodian Withdrawing Funds from UTMA
UTMA – Death of Custodian
UTMA – Death of Minor
UTMA Checking Account
Agent Closing UTMA Account
UTMAs - Parental Liabilities & Rights
Minor IRA Account Changes - Send Out Amendment?
UTMA Ownership
CIP Documentation - Court Ordered Accounts
Definition of Child's Trust
Include the Minor on the CTR?
Debit Cards for Minors Receiving SS Direct Deposit
Minor Auto Loan - Parent is Co-borrower
Patriot Act & CIP - Minor Identification
Minor with a Debit Card on a Joint Account
Successor Custodian or POD on Minor Account
Setting Up a Minor Representative Payee Account
Minor Savings Account Vs UTMA Account
Tax Reporting on Minor's Interest
Protecting Bank from Possible Minor Mischief
Minor Withdrawals
Opening/Styling Minor Savings Account
Parent's Debit Cards, Minors & Internet Purchases
Death of UTMA Custodian
Minor on JTWROS Account
Minor Check Cashing
UTMA & Minor Saving Accounts
Minor MMA
Disbursing UTMA Funds Without Custodial Approval
Custodian's Funeral Paid by Minor Account?
POA Added on a Minor Account?
More Than One Minor on an UTMA?
UTMA Custodian
UTMA with a Co-custodian
Honoring Checks Written by a Minor
Minor Payroll Check Cashing
Debit/ATM card for a Minor
Signature on Court Required Account
Custodial Check Cashing Against a Minor Account
Changing Custodians on a UTMA
Minor's Account - Death of the Custodian
Account POD to Minor Living in Another State
Benefits & Pitfalls of Custodial Checking Accounts
OFAC - Checking Minors Against the SDN List
Rules & Regs for Minors as Signers on Accounts
Styling Minor Account to Protect Minor's Funds
Minor as Joint Signer on Safe Deposit Box Contract
Deposit Accounts (PDF)
Do We CIP Minors?
What Regs Apply To Open a Minor's Savings Account?
Ownership When Parent Opens a Minor Account
Cashing a Minor's Checks
Minors Opening Accounts
Giving a Conservator an ATM Card
UTMA Account -- Minor Now Adult
What is a "Coogan" account?
Ownership & Insurance of Account
New Account: Creating an Account to Benefit a Minor
CIP Ideas For Minor Customers
Checking Accounts For Minors
Minor as POD Beneficiary?
Two signatures on UGMA/UTMA account?
Ownership of account for infant
CTR Instructions for a Minor's Account
Collecting on a Minor Account
UTMA Account Styling
Checking Accounts For Minors
E-Statements to Minors
Minor with a Debit Card
Check Cards for Minors
Who Can Be a UTMA Account Custodian?
Using 'POA' as a Restrictive Endorsement
Death of Custodian on UTMA
Fiduciary Responsibility on UTMA Account
Checks Payable to Minors
"Minor by" Account Questions
What Can a Minor Have?
Deceased Custodian: Appointing a New Custodian for a Minor
SSNs & Savings Account For Minors
Are married minors considered adults?
Minors & Adverse Credit Information
Loan To A 16-Year-Old
Minor's Saving Account: Can the minor be an "or" signer?
Delegating Responsibility For The Custodian Of An Account
Can a minor (age 5) endorse a check and receive cash?
Adult Beneficiaries On A Minor's Account
Minors, Online Account Opening, and COPPA
Policy On Accounts For Minors
Lending To Minors
Minors & IRAs -- Kentucky
Designating A Successor Custodian For A Minor
DDA Accounts For Children
Opening Joint Accounts: What if both parties aren't present? What if one is a minor?
Account Styling: How do you style a minor's estate?
Trust Funds For Minors: Any limit on restrictions?
Multiple Guardians On A Minor Account


Miscellaneous
Researching Each State's Real Estate Regulations
Conflict Over Meaning of Abundance of Caution
Rebuilding Iraq May Hinge on Banking
Modernization In A Small Community
How to Select a Consultant that's Right for Your Bank
Statement of Condition Availability
The Role for Marketing in Strategic Planning
Median Income Chart
Notification Requirements For Changing Hours Of Operation
Can anyone tell me what a "cedular card" is?
If the fee we collect at closing exceeds the investor's cost, are we in violation of any regulations?
How would you identify a non-US citizen that wanted to open an account?
Comparitive Information On Bank Operations
Justifying The Conversion To A Proof Of Deposit System
Branch-level Revenue Forecasting
Are members of the Board of Directors required to provide the bank a current financial statement on an annual basis?
A Good Source For Asset/Liability Benchmarks
Is automating cash inventory control worth it?
Find the Regulator
Check Printing Requirements
Returning Raw Items
Phase I or Phase II Exemptions For State Universities
Account Requirements For The Mentally Challenged
Bingo For Business: Any Problems?
The Buzz around improved financial guidance impacts today's Bankers
Interface For Banctec/JHA Coredirector
If the funds are available, can a bank refuse to negotiate a check made payable to a business from a business?
Is free online access required for disabled individuals?
You and the SEC
Increasing The Accuracy Of Budgeting & Forecasting
Sample "Investigator's Checklist"
If statements are sent electronically, are paper versions required?
Condominiums & Escrow Accounts
Has the "twelve day cooling off period" changed to "five days"?
Financial Institutions And The New Corporate Accountability Law
Treasury Management Officer Workload
Legal Woes: What do you do when your lawyer won't return calls?
When a deposit customer name changes, is it necessary to execute a new deposit account contract?
When should a bank consider undergoing a re-engineering process?
When Smart People Resist Change
Transfers: Business to Personal
Explaining the Fed Box
Selling Cash Cards
Investigating Third-Party Sharing Violations
Community Bank Profitability
Retaining Returned Mail
Banking Web Site Regulation: What about news/weather/sports? Any regulation?
Impact on Banks of Slowing in Other Industries
Impact of Big Bank Buybacks
Finding U.S. Median Income Data
Are we required to let customers attend board meetings?
Disclosures and Toll-free Phone Numbers
EIN Prefixes: Is there a state-specific list?
How often should we microfilm our documents?
Incorporating a Floor Rate Provision
Priceless Posts
Job Descriptions For Bankers
The Projected Budget Surplus Is Falling: What happened?
Banking Diploma Courses
Performance Reviews: Is 360-degree feedback a good idea?
Where can I find a "Uniform Lifetime Distribution Table"?
If the economy is growing, why are we still talking about a recession?
The Economy: Where's the bounce?
What's With The 4-Week Treasury Bills?


MMDA/MMA
Cash Secured Loan
Reg D Transfer Limitation Query
Advertising MMDAs
Transfer Limit Change – Apply to Savings & MMAs?
Advertising MMDAs
Reg D - MMAs Vs Savings Accounts
Government Organization Money Market Savings Account
Monitor MMDA Items by Presentment or Date on Check
Reg D – Internal Transfer Loan Payments
Banned from Opening MMA/Savings Account?
Changing Deposit Account Terms
Reg D Limits - One Owner Multiple MMDAs
Restrictions May Apply
Customer Notice Required on Sweeps?
Please Define "Per Stirpes"
MMDA advertising disclosure
Communicating with MMDA Customers
LLC Owned MMDA
Car Dealer Reserve Account
Reg D - Business MMDA Checks Made Out to Signers
In Person Debit Transaction - Transfer Limitations
Reg D - Internet Transfers from a MMDA to DDAs
MMA - Transfers Between Accounts
MMA with a 3 Year Old Signer?
Now Account Owned by LLC - Options & Penalties
Reg D Transfer Limitation Confusion
Reg D - Checks Payable to Third Parties
Reg D Account Reserve Issues
Short History of NOW and MMDA Accounts
LLC Ownership of a Money Market Deposit Account
Advertising Promotional APYs on Deposit Products
Reg D - Corporate Sweep Account
MMAs & Checks Written to a Third Party
Change from MMA to NOW, Keep MMA Acct Number?
Business MMDA & Telephone Transfers
Excessive Transactions - Charging a Fee
Timeframe Before Opening New Savings or MMA?
MMDA Closed Due to Excess Activity
Reg D - Managing Withdrawal Limitations
Change of Terms Notice
Charged Back Check Count as 1 of the 6 Transfer/Withdrawals Limitations?
How Long Do We Track Reg D Violations?
Reg D - Telephone & Internet Loan Pay Transfers
MMDA Ownership Restrictions
Disclosure of the Funds Availability Policy
Automatically Exempting Customers w/ the Same TIN
Template Letter for Excessive MMDA Transactions
Bank Courier Services and Excessive Transactions
Regulation E Fee Disclosures - §205.7(b)
CDs Only Offered in Bank's Geographic Market Area
Restriction on Overdraft "From" Accounts
Limited Withdrawal Disclosure
MMDA Commercial Activity
"Work-Arounds" on MMDA Transaction Limitations
Business Accounts Subject to Reg D
MMDA ATM Withdrawals
Counting ACH Debits Toward the MMDA Limit
New Deposit Marketing Ideas
Three Strikes Rule for Excessive Transactions
Online Banking Transfer Limits
Money Market Requirements
MMDA Withdrawal Violations - Reopening Account
Reg D: Converting To A Different Style Account For Excessive MMA Transactions
MMA Interest, Tiered Rates, and Reg DD
Value Limit On Gifts Given For Accounts
Internet Transfers & MMDA Limitations
Money Market Accounts, Loan Payments, and the Six Allowable Debits
Can for-profit organizations have money market accounts?
Interest Bearing Business Accounts: Who's eligible?
MMA Accounts: How do you count phone transfers?
MMAs, Counting Transfers, and Returned Checks
Opening New Accounts Following Reg D Check Writing Violations
Interest Bearing Checking Account Disclosures
Savings Accounts For Commercial Custom
Monitoring Passbook Savings Accounts
Time Period for Monitoring MMDA Transactions
Reg D: If a wire transfer request is delivered by messenger, does it count against the limit?
Reg D: Unlimited Transfers for in-person transactions?
Definition: MMDA & NOW Accounts
Reg E Error Resolution and MMDAs
Money Market Account
Monitoring MMDA and Savings Accounts
Legislative Update: Increasing MMDA Withdrawals
MMDA Transfers for Business Accounts Limit Raised?


Mobile Homes
Mobile Home – Loan on Land
Mobile Home - Private Flood Insurance Required?
HMDA - Unaffixed Manufactured Homes
Flood Insurance & Mobile Homes
Mobile Home Loan a Residential RE Transaction?
Mobile Home as Collateral – Do a Flood Search?
Travel Trailer as Added Collateral on Lot Loan
Mobile Home on Property – Loan on Land Only
Assumable Mobile Loan - Which HUD Form Do We Use?
Mobile Home Flood Insurance - Guru Q & A Follow Up
Mobile Home HELOC
Mobile Home Late Fees
RESPA - Loan on the Land, Not the Mobile Home
Mobile Home Equity Loan?
Mobile Home Loan Default - Demand Letter
Flood Insurance - Extreme Home Break-over
Manufactured Home Loan - Right of Rescission
Landlord's Waiver
No ROR Needed on Loan Renewal?
Mobile Home, No Land - RESPA?
Is a Chattel Mortgage Always Required?
Moblie Home Loan - HMDA Reporting
Flood Determination Needed?
"No Value" Mobile Home - Use Land as Collateral?
ROR on Mobile Home Assumptions
Mobile Home Owners Insurance In Lieu of NFIP/ WYO?
Mobile Home Lending and the UCC
Mobile Home Secured by a CD, HMDA Reportable?
Refinance of Manufactured Housing
HMDA Mobile Home Loan - Title is Being Retired
HMDA - Classify Loan as 1-4 or Mobile home?
Is this Mobile Home Loan a RESPA Loan?
HOEPA Definitional Difference
CRA or HMDA?
Section 212 of the FACT Act & Mobile Home Loan
Form 1003 -- Residential Loans Only?
Demand Letter Process
HMDA and the Mobile Home Park
Rescission Rights on Mobile Home Loan
Rescission and Mobile Home Lot
On mobile homes and flood insurance
Early Disclosures on Refinance by Same Lender
Flood Determination on Mobile Home
Is a loan to a mobile home dealer for an individual mobile home reportable under HMDA?
What is the Definition of a Manufactured Home?
UCC Filing Required on Mobile Home Loan?
Flood Determination on Mobile Home Lot
Multiple Problems With Old Mobile Home Loans
Is a mobile home loan rescindable?
1098 Reporting & Motor Home Loan
ROR & Mobile Home Loans
Mobile Home Title Held As Security: Does HOEPA Apply?
Does refinanced loan fall under HOEPA?
Flood Insurance Needed?
Flood Insurance Requirements For Unoccupied Dwellings or Mobile Homes
Does a mobile home (not owned by the customer) require flood insurance or notification?
Right Of Rescission For Mobile Homes?
Proper Way To Perfect Interest In Mobile Homes
Broker Arrangements, RESPA, & Mobile Homes
Mobile Homes and Fixture Filings
Are mobile homes real estate?
Mobile Homes Defined


Money Laundering
Compliance with AML Regulations
314(b) Info Sharing – How Much Can We Share?
Domestic Shell Companies
BSA/AML Compliance & Non-profit Accounts
MSBs and the BSA
FinCEN Initiatives
How to Implement Risk-Based OFAC Monitoring Practices
BSA/AML Risk Assessment
Red Flags - Highest Risk Customers
Risk and Trade Finance
Proof of BSA/AML and Compliance Training
BSA/AML Violations - Penalties/Prison Terms
Small Cash Deposits Totaling Over $10,000
Unfamiliar Forms
Can We Combine our BSA, OFAC & CIP Policies?
Pouch Activities Risk
Seasonal Exemption
CIP Notice Verbiage
Cashier's Check Payable to Cash?
BSA Dept Dictating Check Cashing Procedures
BSA Training for IT & HR?
Documenting Business Activity without Filing SARs
Answering Another Bank's BSA/AML Queries
Insurance Companies and Anti-Money Laundering
Purchase of Monetary Instrument Under $3000
Government Lists for 314a Search Requirements
Avoiding AML and OFAC Risks
Is Private Banking Risky?
Close the Accounts to Be on the Safe Side?
Casinos Compliance with BSA/AML legislation and the MLSA
Updated OFAC Penalties, Fines and BIS Watch List Non-Compliance
BSA Board Training
Is Our BSA/AML Risk Assessment Adequate?
PEP List Scanning For Your Customers
Interagency BSA (Bank Secrecy Act) Guidance
About the Bank Secrecy Act Enforcement Policy
Identity Risk Management-Part III: Know Your Customers and Vendors, and Technology Solutions
Closing Money Laundry Suspect's Loan Account
PEPs and Potential Risk
Non-Bank Financial Institution (NBFI) clients
Proof of BSA/AML and Compliance Training
What Does MLRS Stand For?
How to Prepare for the New SAR
HELOC Suspected of Being Used for Money Laundering
OFAC on Payees that Bank is Paying
CU Considered a Bank for Phase I Exemption?
SAR = Something Ain't Right
Copy of Green Card in the Loan File
Imaged Copies of ID
Anonymous 'Remitter'?
Definition of Structuring
AML/BSA - Correspondent Bank Certification
Copy of Drivers License in the Credit File
BSA Officer Reporting Directly to BOD
Training Requirements
BSA Training for Board of Directors
CIP & Brokered Deposits
SAR Filed on Insider, Who Can Sign It?
AML - Non-customer Currency Exchange
Senior Level BSA Officer
Refusing Suspicious Deposits
SARS - When Does 30 Days Begin?
Montoring IOLTA Payments & Transfers
I'm Cleaning up our CIP Files
Consequences of AML Non-compliance
Is this Structuring?
Please Define: Domestic Correspondent Account
Checking "PUPID" Wires Against the OFAC List
Monitoring an MSB customer
New IRS Team Provides Education to Combat Money Laundering
Just an Ice Cream Parlor or an MSB?
Small Banks Have New Wire Transfer Tool
AML Certification in United Arab Emirates
Action Audit
Anti-Money Laundering Has Come A Long Way
FinCEN Taps Bank for Penalty
Collecting Data From MSB Accounts
Wire to Exempt Government Agency
Received Advice to Buy Multiple Cashier's Checks
BSA Training Is For Everyone!
OFAC Hits
Due Diligence on MSB Customers
Why Not Exempt Registered MSBs?
AML Policies, Procedures for an MSB
Aggregating multiple branch cash activity
AML Requirements Upon Identifying an MSB
Tricks to Identify High-Risk AML Accounts
Need Help with MSB Requirements
BSA Exemption Biennial Filing Question
Tricks to Identify High-Risk AML Accounts
Accepting Accounts and Relationships
Developing A Successful Bank Secrecy Program: To Catch A Crook, Think Like One
Examples of Recognizing Suspicious Activities
Timing Triggers for SARs
Internal Fraud: Working with the Thief from Within
AML Certificate Number
CTR Required for Cashing Loan Proceeds Check?
BSA Enforcement
Explaining Suspicious Activity
Money-Laundering or Terrorism: What Are We Looking For?
Using Automation To Fight Money Laundering
Money-Laundering or Terrorism: What Are We Looking For?
Examples Of Using A Loan To Launder Money
AML Tools Page
The Changing Face of Money Laundering and the Role of the Bank in Detection
USA PATRIOT Act Identification Requirements
Basle Statement of Principles
Money Laundering: An International Problem
USA PATRIOT Act Identification Requirements
The Proposed Customer Identification Regs: New Requirements for Knowing your Customers
Comment Period for Proposed CIP Regulation Draws to a Close
Money Laundering with Credit Cards
Proposed Rules on Customer ID Just Issued
AML Certification
Information Sharing: Should You Certify?
AML Policy Requirement
PATRIOT Act AML Rules
AML -- What to do now
AML and Community Banks
HNC Risk Manager for Money Laundering Enhanced
HNC Software and NFC Form Alliance to Provide Fraud Detection Product and Services
10 Tips for Avoiding Business Phone Fraud
Money laundering Contact Person
IN THE NEWS - Puerto Rico a Target for Money Laundering Efforts EDITORIAL - Here We Go Again
IN THE NEWS - Jobs Depend On Test Results
IN THE NEWS - Welcome To Our World, Taj Mahal
Operation Mule Train
IN THE NEWS - New Money Laundering Rule For "Nonbanks"
Question & Answer
Money Laundering Twist
Notable Quote
EDITORIAL - Not Yet Perfect-But The Best There Is
U.S. Postal Service Fights Back
World-wide Money Laundering Reports
Money Laundering Proposal Is Now Law

See also Bank Secrecy Act


Money Orders
Money Orders Purchased with Altered Check
Returning a Personal Money Order NSF
Stop Pay on Lost Money Order
Replacement of Stale Dated Money Order
Eliminating Money Orders
Refusing USP Money Orders for Deposit
Returned Counterfeit Postal Money Orders
Personal Money Order Procedures
Always Follow the 90 Day Rule?
Two payees on Postal Money Order
Money Grams & International Money Orders
Stop Payments on Money Orders
Does a Money Order Have to be Signed?
Can Bank Return Counterfeit Money Orders?
Stop Payments on Bank-Issued Money Orders
Limit for a Personal Money Order?
Legality of Printing Money Orders
Electronic Check Conversion of Bank Item
Cashier's Checks, Money Orders, and Certified Checks
OFAC Verification on Cashier's Check Payee
Return Deadline: Bank Money Order
Handling an Altered Money Order
Converting A Check Payable To A Corporation Into A Money Order
Checking OFAC For Money Orders
Using A Money Order To Purchase Another Bank Money Order


Monitoring Information
RESPA & GMI on a Home Improvement Loan
HMDA, GMI & Loans to Business Entities
HMDA/Gov Monitoring on Applicant & Co-signer
Collect GMI on a HELOC?
GMI Collection – Purchase of Primary Residence
Government Monitoring - Absent Joint Applicant
GMI on Refinance Q & A - Clarification Needed
Not Subject to HMDA Reporting – Collect GMI?
GMI Data on Commercial Loans
Flood Certificate – One Time or Life of Loan?
Phone Apps & Collecting Government Monitoring Data
We Don't Do HMDA Reporting - Do We Collect Info?
Collect Applicant Info on Non-Reportable RE Loans?
GMI on a HELOC - Home Purchase or Refinance
GMI on Refinance
Refinance of Primary Residence - Collecting GMI
HMDA & Reg B - Temporary Financing?
HMDA Reporting - Commercial Loan Refinancing
Collecting GMI on Loans Not Reported on HMDA LAR
Construction Loans & Reg B Monitoring Information
Must GMI be in Customer's Handwriting?
GMI Yi-Yi -Yi!
Declined Loans - Required Disclosures?
HMDA - Business Loan on a 1-4 Family Property
GMI - Finance Purchase Price of Primary Residence
Determining HMDA Codes on Incomplete GMI
GMI Collection on a Fixed Rate Home Equity Loan
Correcting the Applicant's GMI
Loan not In SFHA - Monitor Flood-mapping Change?
HMDA, HELOCs and Monitoring Information
Collecting GMI on Loan Guarantors
Credit Life Financed on Home Loan, GMI Required?
Non-HMDA Reporting Bank Required to Collect GMI?
HMDA - Better to Over Report than Under Report?
Collecting GMI on Non-HMDA Reportable Loans
Collecting GM Under Reg B on Temporary Loans
Partial GMI Information - What Do You Do?
Collecting GMI When Borrower is a Trust
With or Without Monitoring Information
Business Borrower with Cosigners - GMI?
Avoiding GMI Collection When Inappropriate
Collecting GMI From Non-Occupant Co-Applicant
CRA Compliance Straight Jacket
Privacy, Compliance, and Disclosures
Collecting GMI on HELOC Applications
Conflicting GMI Checkoffs on Applications
Collecting GMI on a Construction Loan
Collecting Government Monitoring Information
Government Monitoring Information
HMDA Borrower is a Trust
GMI on New URLA
What Do We Really Get From Monitoring Data?
Does a Fax Equal a Phone Call?
GMI Reporting Issues for Branch Applications
GMI & Coding Race
HMDA Reporting, Commercial Loans, and GMI
HMDA & Monitoring Data
Home Equity Loans & Collecting Government Monitoring Data
LAR Information Recorded Without Monitoring Info
Obtaining Monitoring Data By Phone


MSA
HMDA Reporting - Office Isn't an Official Branch
Determining the Correct Occupancy Code
HMDA Reporting - Commercial Loan Refinancing
Consumer Driven Healthcare Plans
Acquisition & Merger - HMDA Reporting Requirements
Reporting Tract No# on Property With No MSA/MD No#
HMDA MSA Boundaries


MSB
MSBs and the BSA
Privately Owned ATM an MSB?
Are Tax Preparers Considered MSBs?
Can an Individual Be Considered an MSB?
A Business Cashing Customer's Checks
MSB - Out of Country Wire Transfers
Furniture Store Acting as a MSB
How to Prepare for the New SAR
Treat Them as an MSB?
Bank MSB Registration
MSB - Risk Assessment Questions
An Individual Customer Registered as an MSB
The Whats & Hows of MSBs
Aggregation for BSA Thresholds
BSA Compliance on a Check Cashing Business
A Liquor Store Considered an MSB?
MSB Risk Assessment on Business Loan Customers?
Reporting MSB/High Risk Accounts to the Board
Licensure Verification for a NBFI/MSB
Must MSB Re-apply to FinCEN?
Cashing Checks for a Fee, Register as an MSB?
Monitoring an MSB customer
New IRS Team Provides Education to Combat Money Laundering
Providing Services to MSBs
Is a Casino Owned by Indian Tribe Exempt?
Monitoring Loan Customer who is an MSB?
Guru Chatter on BSA - April 2005(PDF)
Obligations for Possible MSB
Enhanced Due Diligence on a 34 Act Company MSB?
Just an Ice Cream Parlor or an MSB?
Registering MSBs
Writing to Your Unregistered MSBs
Registering MSBs
Guru Chatter on BSA - February 2005(PDF)
Collecting Data From MSB Accounts
Due Diligence on MSB Customers
Is armored transportation an MSB?
OK for MSBs to cash checks to businesses?
Why Not Exempt Registered MSBs?
AML Policies, Procedures for an MSB
Need Help with MSB Requirements
Check Cashers CIP Requirements
MSB Review and Risk Analysis Worksheet


Multi-Factor Authentication
Multifactor Authentication as Demonstrable Consent?
Consumers and Knowledge-based Authentication
Online Banking Password Reset
Multi-factor Authentication Notification
Opting Out of Multi-factor Authentication
Opt-out of Multi-factor Authentication
Debit Cards and Multi-Factor Authentication
Inform Customers of Multi-factor Authentication
What is the difference between multi-factor authentication and layered security?
Multi-Factor Authentication: The Next Generation Solution
Does all multifactor or multilayered security have to be customer facing for high-risk transactions?
FFIEC Telephone Banking Compliance
Multi-Factor Authentication ID/Password Challenge

Mystery Shopping
Taking Business from the Competition
Gauging Sales and Service: There is Help out There
Rewarding Customers For Being Mystery Shoppers
Checking procedures with mystery shoppers
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