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SAFE Act    Safe Deposit    SAR    Sarbanes-Oxley   
Savings Accounts    Savings Bonds    Scams/Schemes    Section 314(a)    Section 314(b)    Section 326    Security    Security Interest    Security Officer    Security Spotlight   
Service Fees    Service Provider   
Servicemember's Civil Relief Act   
Settlement/Settlement Statement    Sexual Harrassment    Signage/Logos    Signature/Signature Card    Small Business    Smart Cards    Social Networking    Social Security   
Sole Proprietorship    Special Focus Section    Spouse Signature/Guarantee    SSL    SSN    Stale Dated Checks    Statement of Condition    Statements    Statistics   
Stop Payments    Strategic Planning    Stress    Subpoenas    Sub-Prime Lending    Suspicious Activity    Sweep Accounts    Sweepstakes   


SAFE Act
MLO Information Causing SAFE Act Violation
SAFE Act: MLO's Initial Written Communication
MLO's NMLS #s on App? CFPB Safe Act Guide
Should MLO Unique Identifier # Appear on All Docs?
Publicly Disclosing MLOs (SAFE Act)
Does the SAFE Act Require an Annual Audit?
Documents that Require MLO's Unique Identifier
SAFE Act: Required to Include NMLS License Number?
LLC Primary Residence Loan Covered by SAFE Act?
Format for Posting MLO's Unique Identifier
HELOC Loans Covered Under SAFE Act?
SAFE Requirements and Construction Loans
SAFE ACT-Mortgage Lenders Register for NMLSR
De Minimis Exception SAFE Act Requirements
Registration Renew Date for Officers w/ NMLS
Is Underwriter Considered MLO under the SAFE Act?
SAFE Act Procedures
Does a Lending Officer have to be Licensed?
SAFE Act Requirements
SAFE Act: Registration for State-Chartered Banks
Should 'Loan Assistants' be Registered?
Loan Officer Convicted of Felony
Fingerprinting for Personal Bankers
Safe Act - Vetting Loan Officers


Safe Deposit
Safe Deposit Release for Abandoned Property Claim
Required to Post Safe Deposit Box Hours?
Timestamp Required When Customer Exits Safe Deposit Box?
Safe Deposit Box Admission Record Forms
Renting Safe Deposit Boxes for Storing Spare Keys
Safe Deposit Box Guidelines on POA Can the Department of Homeland Security or the FBI Seize Safe Deposit Box Contents Without a Court Order?
POA Access to Safe Deposit Box Requirement
Safe Deposit w/3 Joint Owners & 1 Authorized Sign?
Reg Require Lessee to Sign Safe Deposit Agreement?
Restrictions on Safe Deposit Title for Ownership
Include FDIC Logo on Ad for Safe Deposit Boxes?
Can A Corporate Business Rent A Safe Deposit Box?
Disclosure for Branch w/o Safe Deposit Boxes?
Outside Notary for Safe Deposit Box Nonpayment?
Safe Deposit Box-Bank Authority for Use of Box
Safe Deposit Box Owner Required to Certify SSN?
Changing Safe Deposit Locks-Notification
Finally, Something New in the Safe Deposit Box Area
Safe Deposit Box and Missing Information
Limit on # of Renters on Safe Deposit Box?
Safe Deposit Box Titled in Trust-Appoint Deputy?
Son of Deceased Enter SD Box as Executor?
Do Police Need Warrant to Search Safe Deposit Box?
Procedure for Closing Bank on Safe Deposit Boxes
Notice for Safe Deposit Customers if Branch Closes
Insurance Disclosure when Renting Safe Deposit Box
Charging Sales Tax on Safe Deposit Box Rental
Guardian Allowed to Open Safe Deposit Box?
Safe Deposit Box-Named by Transfer on Death (TOD)
Deputy Allowed to Close Safe Deposit Box?
Safe Deposit Contracts not Signed by all Renters
Disclosure Post for Fire/Safe Deposit Boxes
Procedure After Owners Safe Deposit Box Pass Away
Safe Deposit Box Policy on Box Drilling
Procedure for Relocating Safe Deposit Boxes
To Re-key a Safe Deposit Box...or Not?
Releasing Safe Deposit Box to Executor
Sole Lessee of Safe Deposit Box Dies
Safe Deposit Box with Two Elderly Individuals
Safe Deposit Box Key Log
POD on Safe Deposit Box?
Routing Number on Safe Deposit Box Keys?
Retention Schedule for Safe Deposit Boxes
Box Numbers on Safe Deposit Box Keys
Retrieving Contents of Drilled Safe Deposit Box
POA and Access to Safe Deposit Box
Signing a Safe Deposit Box both In and Out
Taking Safe Deposit Box Home
Privacy Notice to Safe Deposit Box Customers
POD for a Safe Deposit Box?
Avoiding Garnishment with a Safe Deposit Box?
POD on Safe Deposit Box?
Should Safe Deposit Boxes Move with Branch?
Safe Deposit Box Coupon Booths
Can a Trust Own a Safe Deposit Box?
Non-Resident Alien Safe Deposit Box Rental
Cameras in the Safe Deposit Box Area
Safe Deposit Box in a Family Trust
Drill Baby Drill - Mystery Boxes Create Unhappy Renters
Safe Deposit Box - Joint Ownership Issues
Successor Trustees Accessing Safe Deposit Box
Death of Joint Safe Deposit Box Owner
CTR on Cash in Safe Deposit Box?
Deputy Required on Safe Deposit Box?
Accessing Safe Deposit Box Used for Storage
Safe Deposit Box or Home Safe: Today's Consumer Dilemma
Safe Deposit Boxes in the Lobby
The Woman in the Lobby – File a CTR?
"Hurricane Ike" - Flooded Vault Planning is the Key!
Access to Safe Deposit Box After Bank Failure
Surveillance Cameras at the Safe Deposit Box Vault
Safe Deposit Box Agreement - No Valuables Allowed
Risks Associated with Old Safe Deposit Locks
Safe Deposit Box Rented to a Business
Safe Deposit Burglary Mirrors "The Bank Job" Movie
Cash Left By Previous Owner in Safe Deposit Box
Safe Deposit Box - Removing One of the Owners
Safe Deposit Boxes & Trust
Safe Deposit Box Entry Via DPOA
Safe Deposit Box & BSA Reporting
"New" Keyless, Biometric Safe Deposit Access System
POA Powers & Safe Deposit Boxes
Poor Box Drilling Procedures Create Rich Box Renter
Bad Key Wallets - A Key To Disaster
Adult Son on Safe Deposit Box Signature Card
Bar Safe Deposit Box Access?
CIP on Safe Deposit Box Signer
Safe Deposit Access in Vault
Branch Closing - Safe Deposit Box Procedures
POA Safe Deposit Box Entry
Bank Out of Business - Safe Deposit Box Key Found
Saturday Safe Deposit Box Access
Safe Deposit Boxes - CTR Required?
Estate Ownership of a Safe Deposit Box
Using Same Person as a Deputy & Personal Rep?
Risks Abound in Self-Service Box Industry
Minor as Joint Signer on Safe Deposit Box Contract
Safe Deposit Matters (PDF)
Safe Deposit Boxes Are Not FDIC Insured
Box Relocations Provoke Lawsuits
Safe Deposit Box Deputies
"Hurricane Katrina" - Flooded Vault Planning is the Key!
Can You Make CHANGE? . . . for a safer box access system.
Safe Deposit and Corporate Documentation
Will Promo Open a Treasure Chest or Can of Worms?
Storage of Large Items in the Safe Deposit Box
Box Relocations Provoke Lawsuits
Hand Scan to Access Safe Deposit Boxes
POD on Safe-Deposit Lease
Steps in Changing the Fee for a Safe-Deposit Box
Box Relocations Provoke Lawsuits
Safe Deposit Box Access
Facility Requirements -- Bank Protection Act
Converting Safe Deposit Boxes from Free
Mailing Ammunition or Guns to Customer
Death of Sole Safe Deposit Renter
Deceased Customer Affidavit
Leasing a safe deposit box to a trust
Customer Mailed Safe Deposit Keys
Drilling a Deceased Customer's Box
Safe Deposit Boxes & OFAC
Safe Deposit Box Drilling: What do you do with the contents?
Guns in the safe deposit box?
Joint Trust Ownership of Safe Deposit Box
Safe Deposit: Drilling Safe Deposit Box Of A Deceased Owner
Safe Deposit Box Rental & OFAC
Safe Deposit Box Ownership Problem
Can a renter impose additional safe deposit access restrictions?
Safe Deposit: What is the holder of a POA authorized to do?
Safe Deposit: What is the difference between a Power of Attorney and an Appointment of a Deputy?
Deducting Late Safe Deposit Rent From Savings Account
Is there anything that would prohibit a trust from having a safe deposit box?
Joint Accounts & Death: Safe Deposit Practices vs. Checking Account Practices
Moving Safe Deposit Boxes
Safe Deposit Area & Security Camera Coverage
USA PATRIOT Act, Safe Deposit Policy, and the Deputy
Replacing Safe Deposit Boxes: What procedures should be followed?
Can you store a gun in a safe deposit box?
Changing Required Payment Methods For Safe Deposit Box Rental
Extended Hours For The Safe Deposit Area
Changing Safe Deposit Area Hours: Notice Requirements??
Can a safe deposit contract have a POD clause?
Inspecting What Goes into a Safe Deposit Box
Changing Locks on Safe Deposit Boxes
Gun in Safe Deposit Box
Disclosures for Safe Deposit Renters
Safe Deposit Box Liability
Required Safe Deposit Disclosures?
Changing The Locks On Surrendered Safe Deposit Boxes
Safe Deposit: The box was drilled. You're suspicious. Now What.?
Safe Deposit Notification Requirements
9-11 Attacks Spark Safe Deposit Lawsuits
POD Designations on Safe Deposit Boxes
Must safe deposit boxes be in a vault?
Can a Safe Deposit Box be opened with a POD?
Can a bankruptcy trustee enter a debtor's box?
Software For The Safe Deposit Area
Numbers On Safe Deposit Box Keys
Convicts And the Contents Of Safe Deposit Boxes
Handling Delinquent Safe Deposit Boxes
Required Safe Deposit Security Procedures
Self Service Safe Deposit Boxes
Self Service Safe Deposit Boxes, Part II
Are Safe deposit history cards necessary?
Rekeying Safe Deposit Locks


Business Storing Cash in the Safe Deposit Box -- Time for a SAR?
Locating the safe deposit customer viewing area in the vault
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
EDITORIAL - Are Safe Deposit Services Really Safe?
EDITORIAL - Revisiting The Safe Deposit Area
Question & Answer
Question & Answer
Alert
IN THE NEWS - Safe Deposit Boxes Under Water?
Quesiton & Answer
Question & Answer
Self-Service Safe Deposit
To Report Or Not To Report…
Use Zip Lock Bags And Tupperware…
"Are Your Safe Deposit Procedures Ready For A Subpoena?"
Do You Really Know Your Safe Deposit Locksmith?
Question & Answer
Question & Answer
Question & Answer
Safe Deposit Selling Idea
Question & Answer
"What Happens To My Safe Deposit Box If My Financial Institution Closes?"
How Safe Is My Safe Deposit Box?
Safe Deposit Box Rent Tax Deductible?
The Box Was Empty!
The Saga Of "Bob Evans"
Safe Deposit "Goof"
What Do Other Bankers Do?


SAR
Definition of Insider for SARs (Reg O)
Disclose Receipt of Levy w/ SAR Narrative?
New SAR Form 48/78 Primary Federal Regulatory
Information Required for SAR Insider Abuse
Indirect Auto Finance Co Required SARs Reporting?
Reg on Reporting Transactions Into Foreign Account
Floor Limit SAR for "Computer Intrusion" Issue
File SAR if Grand Jury Subpoena is Received?
Cannot Find Source of Funds-Close Account?
FTC and SAR Availability
Which FI Is Responsible for Filing Out SAR
Grand Jury Subpoena and Disclosing SAR Info
Time Frame for Filing a New SAR after the Original
$5,000 Limit for SAR Filing for Violations of BSA
Exempting Customer with SAR for Structuring
Filing a SAR for Debit Card Fraud
When should a SAR or CTR Not be Reported
Fraudulent Loan App - Requires SAR?
Debit Card Fraud and SAR Filing
SAR Filing Timelines
Home Improvement Loan used for Tuition
Big Deposits: CTR or SAR?
When to File a SAR
Two Individuals: Two Accounts: Two SARs?
SAR Filing - Customer Sold Loan Collateral
Employee Check Kite & SARs
Providing SAR Info to the FBI
Check Kiting - SAR Filed
SAR – Wire Transfer
Suspicious Activity - Dollar Amount Trigger
SAR Categories
SARs and Robbery
Willful Blindness
SAR Filing – Who Makes the Call?
File a SAR?
SAR Filing Methods
SAR – Work at Home Scam
No Monetary Loss – SAR on Check Kiter?
CTR - Attorney State Bar Client Trust Account
Form to Report Suspicious Activity to BSA Officer
SAR Filing with FBI or Secret Service
File a SAR on a Loan Officer?
Business Transactions Via Personal Accounts
Law Enforcement & SAR Disclosures
Dismissed Employee Applying for Another Job
Penalties for Not Filing SARs
Claim Withdrawn – Bank Obligated to File a SAR?
Tainted Appraisal?
Small Cash Deposits Totaling Over $10,000
File a SAR on Levied/Garnished Customer?
SAR Filing – Time Limit
SARry Situation – Include Both Accounts?
SAR Reporting on Forced Balancing
ATM Fraud
Documenting Business Activity without Filing SARs
SAR & CTR Required?
SAR - All the Deposit Details?
Account Closing Form Letter Due to SAR Filing
Inform Client of CTR Filing?
Purpose of Wire Transfer Required?
Reg DD - Internet Ad
SAR Required on One Time Deposit or Withdrawal?
SAR Filing on Suspicious Activity Under $5000
SAR'd Customer Eligible for a Phase II Exemption?
Close the Accounts to Be on the Safe Side?
New SAR Form Still on Hold?
CTR - 2 $9000 Checks Cashed at Different Branches
SAR Regulation
Filing a SAR on a One Owner Business
Structuring - SAR Filing & Board Notification
Run Prospective Employees Against OFAC List
Suspicious Activity Tips
Closing Money Laundry Suspect's Loan Account
File SARs for Significant Cash Withdrawals?
Filing a SAR on Customer with a Fake SSN
SAR Form Deadline
Close the Account or Continue Filing SARs?
Pyramid Investment Scheme - File a SAR?
Would Customer’s Regularity Warrant a SAR?
Can We Truncate Statement Account Numbers?
Filing a CTR - Check is Over a Year Old
Title Companies Required to file CTRs & SARs?
File a SAR In Lieu of a CTR?
Guidance for Filing SAR on an Employee
Loan Made to an Identity Thief
Husband Forged Wife's Signature on a Joint Loan
New SAR Form Announced
Monitoring & Filing Supplemental SARS
File a SAR After Filing a CTR
Employee Check Kiting
Telling Customers the Bank is Filing a CTR
$5000 counterfeit check - File a SAR?
Teller Outage
An Individual Customer Registered as an MSB
Shady Auto Loan Customer
Filed SARS. IRS Wants Customer Back-up Info
Getting Around ID & SSN Requirments
Car Sale Fraud, SAR Required?
A Customer Wants a Copy of a CTR
SAR: Staff Member Disclosed Client Info to 3rd Party
SAR - Our Bank Name Printed on Counterfeit Checks
Police Department Requesting Customer's Statements
Filing Additional SARs
Attempted to Deposit a Photocopy of a Check

External Auditors Reviewing SARS Filed in 2005
Do We Fill Out a SAR on a Suspected Check Kiter
CTR: Aggregating the Deposits from Two Businesses
This SAR Has Been Sanitized.........
SAR Confidentiality
FinCEN's SAR Hotline
SAR Filing
Learn How to Write Reasonable Explanations
Safe SARs
SARs. What Constitutes Suspect Identification?
Application & Tax Return Conflict, Triggering SAR?
Counterfeit Checks & SARs
SAR for Disecrepancies in Employment Application?
AA on Loan Application - 2 SARs Filed on Customer
Aggregation for Different Businesses, Same Owner
Does Bank File SAR for Scammed Customer?
Is SAR Required on Crime With No Known Suspect?
Reasons for Filing a SAR
Requiring IRS Subpoena on Information Not in SAR
Time Frame to File an SAR
Obligations for Possible MSB
SAR on Customer Trying to "Game" Chexsystems?
Steps to Prove Check Kiting
Reporting an Employee Theft
What does SAR mean?
Negative Database Defined
FinCEN Taps Bank for Penalty
Current Federal Forms
Action Audit
Disclosing BSA Limits to Customers
BSA Training Is For Everyone!
Joint Payees & Forged Endorsements
Possible Employee Structuring, SAR-able
Can We Still Cash These Checks?
AML Requirements Upon Identifying an MSB
Concealing CTR Filing from the Customer
Exempt or SAR this Commercial Customer?
Filing a SAR for Payroll Fraud
If It is a Bad SSN, Do We File a SAR?
SAR Reporting and Due Diligence
Recovering On A Counterfeit Check
Ongoing Reviews and SAR Follow-Up
Developing A Successful Bank Secrecy Program: To Catch A Crook, Think Like One
Reporting SARs to the Board or a Designee
Suspected terrorist: Beyond SAR, what steps to take?
Dollar Threshold for Check Kiting SAR
SAR Filing Delay on Ongoing Investigation
Full Disclosure of SAR Content
Examples of Recognizing Suspicious Activities
FinCEN Guidance on SAR Filings
Timing Triggers for SARs
Social Engineer Contacts Bank
Branch Robbery in Homeland Alert Times
Origin of Requirement for SAR Reports to Board
SARs on Nigerian Letters
SARs Oops
Noncustomer Purchase of Official Check
FinCEN Expands E-Filing System: BSA Reports Can Now Be Filed Over Secure Internet
Retaining Records Regarding Forgeries
Automating The Case Management Process
Internal Theft & Filing SARs
New SAR Form and Software
Suspicious Activity & Stop Payments
Training To File SARs
Filing SARs for Stopped Nigerian Scam
SAR Triggered by Invalid SSN?
Attorney-client Privilege & Filing a CTR
Should you inform an employee they are being investigated?
Reportable or structured transaction?
Filing SARs for OFAC Hits
How to file new SAR electronically?
SAR or CTR?
SAR Reports For Nigerian Email Scams
Filing A SAR For Suspected Employee Theft
Discovering past transaction from current OFAC list
ATM Stolen -- File SAR?
Spotting A Scam: High Volume of Returned 'Checks by Phone'
Are we required to monitor Internet Bill Payment transactions for CTR reporting?
Reporting suspected terrorism
SAR Slip-ups Result in CMP
Do weird cash advances warrant a SAR?
Obtaining CTR info from a noncustomer check payee
SAR Filing For Suspected Teller Theft
The Fine Points Of SAR Completion (Part 3 of 3)
Suspected ID Theft & SARs
A SAR For Every OFAC Hit?
The Fine Points Of SAR Completion (Part 2 of 3)
SAR Reporting For Kiting
Where do I get a SAR form?
The Fine Points Of SAR Completion (Part 1 of 3)
Filing SARs For Kiting
SAR Slip-ups Result in CMP
Filing A SAR For Identity Theft
Eight SAR Disclosure Issues
Obtaining Information for a SAR
When Hacking Triggers an SAR
Informing the Regulators of SAR Filings
Filing a Subsequent SAR
SARs and Identifying a Suspect
Disclosing SAR Information to State and Local Authorities
Keeping Records on SARs You Didn't File
Disclosing SARs To The Board
Is a forgery SAR reportable?
Reporting SARs to the Board of Directors
The Board's Role in SAR Reporting
Complying With A Subpoena & A SAR Filing Question
Tips on Suspicious Activity
SAR Filing For Check Fraud
Unusual Withdrawals From a Non-suspicious Customer: Do we file an SAR?
SARs and Phone Card Businesses
Letter to the Editor
Question & Answer
SAR Activity Review
Computer Intrusion: Is a SAR required?
SARs and the Nigerian Scam
Filing a SAR
Business Storing Cash in the Safe Deposit Box -- Time for a SAR?
SAR Find a Number
How Frequently To File SARs
We've been robbed! Do we file an SAR?
Always File A 1099
CTR Yes - SAR No
New SAR Activity Review Details Trends, Tips & Issues
Question & Answer
New SAR
COMPLIANCE NOTES - No Exemptions for SARs
Filing SARs How Safe Is The Harbor?
Don't Let SAR Reporting Backfire
New, Revised SAR Issued
Question & Answer
CTR & SAR Reporting
New Suspicious Activity Report
Question & Answer
Report On SAR Use
The ABA Comments On The Revised SAR
Counselor's Corner
SAR Analysis From FinCEN
Suspicious Activity Reports
Question & Answer
To Report Or Not To Report…
IN THE NEWS - Suspicious Transaction
IN THE NEWS - Update…
Question & Answer
Question & Answer
Question & Answer
To Get A Supply Of The New SAR ...
Criminal Referral Form (CRF) Becomes Suspicious Activity Report (SAR)
Important Court Decision Deep In The Heart Of Texas
Neither Rain, Nor Snow…Will Keep Them From Filing A CRF!
SAR Delayed
Suspicious Activity Report
Question & Answer
UPDATE - And Clarification
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer


Sarbanes-Oxley
Wading Through SOX Provisions
Sarbanes-Oxley Act
Regs Triggered Due to Increased Asset Size
Business Email Retention
Badly Managed Electronic Communications a Danger
Have SOX Penalties Changed?
Record Retention for Internet Banking
New company wants to comply with SOX
Sarbanes-Oxley: Challenges and Opportunities in the New Regulatory Environment (pdf)


Savings Accounts
Excessive Transaction Reports and Eagle Cash Cards
Accts Affected By Regs on Excessive Debits
Accts Affected By Regs on Excessive Debits
Reg D Limited Transaction-Trustee Check Deposit
Reg D Monitoring Records Outside The Bank
Reg D Covered Transactions for Savings Transfer
Allowed to Issue DC On Savings Account Only?
What Is Reg D Super Abuser Rule?
Are Savings Accts Governed Under Reg CC?
Reg D Monitoring Savings Acct-Limit Transactions
Open Savings Account Not Titled UTMA?
Allow Savings Account to be Overdrawn?
Reg on UK Resident Closing Checking/Savings Accts.
Closing Account for 3rd Violation of Reg D
Interpretation of Reg D Number of Transfers Limit
# Days to Place a Check on Hold in Savings Account
Violation of Regulation D Transaction limits
NSF Fee on a Savings Account?
Exceeding Transaction Limits Online
Hold Deposit to Savings Account
Reg D and Too Many Over-the-Counter Withdrawals
Money Market Account Classification
What is a "Transactional" Account?
Business Money Market Account Activity
Holds on Accounts Not Covered by Reg CC
Third Reg D Transfer Violation
Savings Account for a Minor
Passbook Savings – Rate Decrease Notification
Savings Account as Loan Collateral
Reg D Transfer Limitation Query
Decedent Savings Account – No Beneficiaries
Transfer Limit Change – Apply to Savings & MMAs?
Custodial Savings Account in lieu of a UTMA?
Reg D Change for CUs and Banks?
Reg D Change for CUs and Banks?
Savings Account - Quarterly Transactions
MAUTMA Passbook Savings Account
Savings Accounts Funds Availability Disclosures
Lowering Savings Rate – 30 Day Notice Required?
Reg D - MMAs Vs Savings Accounts
Employer/Employee Contributions on HSA Statements
Reg D - Teller Counter Cash Withdrawals
Government Organization Money Market Savings Account
Use Same BIN for HSA & Debit Card Programs?
Guru Followup Question - Is it Service or Savings?
Placing Holds on Accounts Not Subject to Reg CC
Fraudulent Statements
Reg D – Excessive Withdrawals
Kids Savings Programs
Automatic Transfer Savings Eligibility
Reg D – Internal Transfer Loan Payments
Debit Card Transaction "Round Up" Program
Rollover from a 401k to an HSA
Banned from Opening MMA/Savings Account?
Reg D - Close Account Due to Excessive OD Activity
Offering High Rate Savings Account in Affluent Area
HSA Accounts & Reg D Transfer Limitations
Transferring HSAs to a Custodian
Restrictions May Apply
Passbook Savings Account Withdrawal Limit
Checking Accounts & DDAs
Reg D - Personal Statement Savings Accounts
Minor Savings Account Vs UTMA Account
Offsetting Two Separate Accounts
Reg D Limits -When is a Transaction a Transaction?
Minor Withdrawals
Opening/Styling Minor Savings Account
Charging a Savings Account Overdraft Fee
Sample Excessive Withdrawal Letters/Notices
Yearly Savings Statement
Discontinuing a Savings Product - Customer Notice
Advertising Health Savings Accounts
UTMA & Minor Saving Accounts
Dormant IRA Savings Accounts
S Corp Interest Bearing Account
Electronic Payments - Checking Accounts Only
HSA Obligations
Minor Payroll Check Cashing
Checking/Savings Statements
Grand Opening Promotional Savings Account
Reg D - Notices of Excessive Transactions
OTS Savings Associations & Lottery Rules
Reg D Transfer Limitation Confusion
Drawing for a $500.00 Savings Account
Reg CC & Savings Accounts
Reg D Account Reserve Issues
Can we Issue Debit Cards on Savings?
Denied Opening a Savings Account
Reg D - Savings Transfers & Withdrawal in Person
Refusing & Returning Drafts on Savings Accounts
30-Day Notice Given for Change in Tier Structure?
The Legal Issues of Closing Joint Savings Accounts
POD Beneficiary Signing Security Agreement
Savings & Checking Account Inactivity Fees
Changing Saving Withdrawal Fees
State, County, Municipal Interest-bearing Accounts
Can We Refuse Large Cash Withdrawal Requests?
Timeframe Before Opening New Savings or MMA?
Exceeding Transfer Limits on Savings Accounts
What Regs Apply To Open a Minor's Savings Account?
Charging NSF Fees on Saving Accounts w/ACHs
FTC Releases Updated ID Theft Stats
Unlimited Amount of Savings Walk-in Withdrawals?
Deposit Accounts as Collateral
Regulations Applicable to Business Saving Accounts
Account Ownership and Telephone Transfers
What Period Do Limited Transactions Cover?
Overdraft Fee on a Savings Account
Identifying & Freezing a Decedent's Account
When is a CD Not a CD?
Thinking of Offering Medical Savings Accounts
Right to Setoff, Similar Ownership Deposits
What is an ATS account?
Ownership of account for infant
Limited Withdrawal Disclosure
Fee Limit in Reg D?
Reclassifying Savings with EFT Access
Savings Funds Availability
"Work-Arounds" on MMDA Transaction Limitations
Business Accounts Subject to Reg D
Credit Card Offset
Disclosures Required with ODP Product
Savings Overdrafts Caused by Chargebacks
"Minor by" Account Questions
ACH Debits to Savings Accounts


Savings Bonds
What Form Replaces PDF 4881
Affirmative Action Policy/Program & Savings Bonds
Savings Bonds for Non-customers
CIP – Savings Bond Purchase
Refusal to Cash Non-Customer Savings Bond
Personal Rep Endorsing Decedent's Saving Bond
Security Interest in a Savings Bond
Non-client Savings Bond Redemption Fee
CTR - Savings Bond Purchased for Spouse
Under BSA are Savings Bonds a Monetary Instrument?
CIP and Savings Bonds
CIP and Savings Bonds
Treasury Ups Bond Holding Period


Scams/Schemes
PayPal Direct Deposit that is a Possible Scam
Disputed POS Transaction Authorized - But Scam
Check Kiting or Not
Account Disputes and Selective Amnesia
Dealing with Theft and Counterfeit Presentment
Reporting Insider Fraud
Recovering Funds from Counterfeit Checks
SAR – Wire Transfer
Bank Fraud - Recovery Vs Loss Avoidance
In Need of Easy Explanation for Check Kiting
Name Tags & FI Employee Security
Pyramid Investment Scheme - File a SAR?
Loan Scam
Pigeon Drop Scam
FDIC Insurance Scam
"...In The Good Old Summertime..." : Be Alert For Increased Fraud
More Scams using FDIC
Fraud, FDIC and FACTA
Does Bank File SAR for Scammed Customer?
Reporting Fraudulent Lottery Scams
Use of blank deposit slips in the lobby
Customer Gives Up Card Data in Scam
New Advance Fee Schemes Reported: Old from Nigeria - New From Afghanistan
Time Limit For Returning Cashier's Checks
Phishing Scams Increase 180% in April Alone!
Email from IRS? Nope, Just More Phishing
AML Certificate Number
Phishing Scams On The Rise
Skimming, Scanning, and Scamming: ATM Crime On The Rise
Filing SARs for Stopped Nigerian Scam
SAR Reports For Nigerian Email Scams
Counterfeit Currency Alert: Check the Watermark
Spotting A Scam: High Volume of Returned 'Checks by Phone'
"Ponzi" Scheme
SARs and the Nigerian Scam
Nigerian Scam Goes High Tech
BOL Poll: Banking Scams
The Nigerian Letter Scam: From Snail mail to Email
Current Scams
Smart Seniors Fight Back!


Section 314(a)
Government Lists for 314a Search Requirements
Differences Between OFAC Lists and Section 314(a) Lists
Retention of OFAC and 314a Records
314(a) Record Retention
Still Some 314(a) Problems
Destroying 314(a) Search Requests
314(a) Search Request Questions


Section 314(b)
314(b) Filer
314(b) Information Sharing Update
Information Sharing:Should You Certify?


Section 326
Section 326 Takes Over: "The Devil Is In The Details"
One 326 Problem
CIP Business Accounts


Security
Lighting Requirements for ATM Machines
Procedure for Teller if Customer Uses Counterfeit
Applicability of Bank Protection Act
Regulation Requiring Phone Line Ability to Dial
Employee on Probation Causes Risk for Bank
Lighting Level Requirements for ATMs
Reg On Requirements for Security Officers
Interview with Barry Thompson
Policy on Open Carry of Guns and Weapons
Magazine Publications on Security Changes
Emergency Evacuation Drill Procedure
Standard for Checking Security Equipment/Alarms
Illuminate Vault if Visible from Outside?
Cash Kiosk Display In Branch Lobby-Allowed?
Free-Standing Teller Pod as Teller Station-Safe?
Stop Payment Check Cleared Account-Liability
"Active Shooter" Training
Requirements for Night Lighting on Vaults/Safes
Recommended Categories for Annual Summary Report
Lighting and Bush Requirements ATMs Night Deposit
Where to get Bank Security Training
Standards for Primary Doors in Branch Office
Package with Dye Pack for Theft Problem?
How Often Should Bank Change Bills for Bait Money
Timely Information given to Security Officer
Retention Days of Branch Security Camera Video
Bank's Vault Security Requirements
Information Security Under Overall Security
Enhanced Monitoring of Correspondent Banks
Crime Statistics Involving Banks
Description of Opening/Closing Procedures
Law Preventing Firearms In Financial Institutions
Rule on Bank Staying Open Past Posted Closing Time
Written Security Program and Board of Directors
Security Training
Internal crime statistics
Bomb Threat Procedures
Opening/Closing Signal Changes
Security Committee
Opening/Closing the Bank
Flash Drives and Data Security
Handling Customer Deposit Bags from Night Drop
DVR System Not Working
Reporting Insider Fraud
Executive Security Training
Keeping Security Surveillance Recordings
Security Check for Files
Carrying a Concealed Weapon
Armed Security Guard - Yes or No
What Forms to File after Robbery?
Outdoor Cameras
Morning Glory - Training
No Hats - No Hoodies
Camera Placement
Security Training
Sample Secuirty Policy
Check List for Security Officer
Dealing with Kiting
Robbery Training
Protecting Online Business Accounts
Safe Deposit Box Coupon Booths
Opening Procedures Not Followed
Advice Ignored by my Board
Cameras in the Safe Deposit Box Area
ATM Security Evaluation
Outside Lockbox with Bank Key Inside
An Alternative to Current Image Technology
Being Unaware is More Costly than you Think
Missing Cash – Interviewing Employees
Info about Dealing with a Robbery
Bank Fraud - Recovery Vs Loss Avoidance
Security Officer Certification Course
Bait Money - Annual Change
Hacked PC – Who Takes the Loss?
Pop Up Box
Successful Training Techniques
Training Requirements for Security Officers
Cash Vault Combination
Signer Pledging Interest - Appraisal Notice Given?
Safe Deposit Box or Home Safe: Today's Consumer Dilemma
Dealing with an Embezzlement Investigation
Privacy Act - Check Verification
Turning Video Over to Police – Subpoena Required?
ISO Independence
BlackBerry Banking - Time Out Control Default
Dismissed Employee Applying for Another Job
Installing Audio Alarms as a Burglary Deterrent
Minimum Vault Classification - Reg Requirements
Vault Operations
Fire Proof File Cabinets
Safe Deposit Boxes in the Lobby
Vault Requirements for Housing Customer Assets
Dye Pack Debate
SAR Filing – Time Limit
Include the Minor on the CTR?
Best Job Candidate for BSA Officer
Bank Protection Act - File Annual Report to FDIC?
Time Limit to Appoint New Security Officer
Security - Employee Foreclosure
Second Homes Subject to ROR?
Surveillance Cameras at the Safe Deposit Box Vault
Safe Deposit Box Agreement - No Valuables Allowed
Employee Branch Opening and Closing
Changing from First Name to Full Name Badges
Courier Service Rules - Branch Cash Transporations
SAR Reporting on Forced Balancing
CTR on a Courier Service
Using Banker Photos in Marketing Campaign
Risks Associated with Old Safe Deposit Locks
Teller Cash Drawer Rules & Regulations
Customer Notification of Security Cameras
Safe Deposit Burglary Mirrors "The Bank Job" Movie
Standard for All Clear
One Person at the Branch
Clean Desk Act
Right Answers, Wrong Voice
Name Tags & FI Employee Security
Cash Left By Previous Owner in Safe Deposit Box
Counterfeit Pens & Old Bills
Personal Property of the Tellers
Change in Environment Changes Security Strategy
Reason for the Bank Protection Act
Banks Scammed by Bogus Couriers
Arrested Man May Be Bank Heist Suspect
Observant Bank Manager Helped Police
Height Markers
Removing the Veil - Culture Vs Security
Teller Stages Fake Robbery
Yet Another Bike Bandit!
Training Thwarts Robbery in Georgia
Counterfeit Bill Procedures
Servicing Drive Up ATMs
Bank Robbery 101
Stolen Gun Connects Three Hoosier Heists
One Injured in Muncie Bank Takeover
Phone Center Robbery Procedures
Video Surveillance Warning
Caught by the Net: How your online profile could ruin your travel plans, your career, and your life
Locked in a Bank Vault - Practices or Procedures
Vault Dimension Requirements
Bank Robberies & Customer Safety
Who Is This Man?
Security for Staff After Daylight Saving Ends
Remote Control Robber Sought
Failed Controls Led to Major Embezzlement
Spotlight on Elders in Georgia Heists
Privacy policy and Security Statement
Security Officer at the Holding Company Level
ATM Lighting - Subdivision (3)
All Clear Signal
Designating a Security Officer
Last Ride of the Bicycle Bandit
Yet Another Not-Too-Brilliant Robber
Bomb Attack on ATM
Dye Pack Stain Query
I'm Alone at my Branch -- Is This Typical?
Executive Officer Kidnap Policy
Regulations for Teller & Vault Kitties
Foiled Quebec Threat Raises Concerns
Tree Robber Hits NH Bank
Bizarre "Pizza Bomber" Robbery Update
Furnishing Security Info Upon Debit Card Issuance
Bad Key Wallets - A Key To Disaster
Robberies Increase in Latest FBI Stats
Bank Robberies Can Be Violent
Bait Money in Consecutive Numerical Order?
There's a Lesson in Here, Somewhere
Band-Aid Victim Tellers Testify
Strengthening Inbound Phone Identification Process
High-End Copiers May Be a Security Gap
Purpose of Changing Bait Money
Forgeries and Check 21
Suspect Description - Use a Form?
Security Video/Digital Retention
Preparing Your Annual Security Program Report
Robbing Banks -- It's a Lousy Job, but the Work is Steady
Quick Getaway, Quicker Capture
Happy Holidays, You're Under Arrest!
Horrific or Polite -- They Are Still Bank Robbers
Background Investigations: Part 3: The What
Background Investigations -- Part 2: The Who
Background Investigations: Part 1: The Why
Dirty Deputy Derailed, Again
Regulation Regarding Receipt of Deposit By Email
ATM Camera Requirements
Bank Building Specs
Saturday Safe Deposit Box Access
State Bank - Federal Law Enforcement
Savings Accts Reclassified as Transaction Accounts
Vendor Confidentiality Agreements
Training Requirements
FBI: Bank Robberies Down in 2005 Overall, but Up Regionally in 2006
Should These Robbers Consider a Career Change?
All Alone Am I -- At My Branch
Texas Authorities Searching for "Backpack Robber"
Band-Aid Bandit Busted
Is Our Network Really Secure?
Sending Financial Information Over Non-secure Line
Alarm System Guidelines
Taking Home the Key to the Bank
Loan Customer an Existing Customer for CIP?
OFAC - Cashing Non-Customer Payroll Checks
Lax Controls Can Cost You -- Big Time!
Sherlock Holmes Not Needed to Solve This Robbery
"No Hats, No Hoods, No Sunglasses" ... Wigs and Beards, Too?
Are You Alert to Loan Fraud Clues?
A Lesson Learned from Someone Else's Mistake, is a Valuable Lesson Learned
Security Officer's Role in BHC's Insurance Agency
Best Practices for VCR Tapes
Refusing Suspicious Deposits
SARS - When Does 30 Days Begin?
Selling Account Monitoring
Covert Video Surveillance of Staff
Lobby Lighting Requirements
Risks Abound in Self-Service Box Industry
Distance Between Entrance Doors & Teller Station
"VOID" Security Feature and Imaging
Fed Helps Cancel Fraudulent Paper Drafts
Bank of New York Pays to Avoid Criminal Charges
Handicapped Robber
Box Relocations Provoke Lawsuits
Are Your Internal Controls like Swiss Cheese? - Part 16
Note to Self - Check Pants Pockets
Bad Aim
Deterring "Smash and Grabs"
Bait Money
New Jersey Bill Would Mandate ATM Panic Buttons
Helping Businesses Prevent Fraud
Banks Form ID Theft Assistance Group
Robbers Do Stupid Tricks, Too
Do You Know Where Your Laptop Was Sleeping Last Night?
Tastefully dressed
One More Way
"...In The Good Old Summertime..." : Be Alert For Increased Fraud
Follow the Cash Trail
Security Camera Requirements
Using Courier to Transport Cash
Password Protected Email Sufficient Under GLBA?
Email and Internet Fraud
More Scams using FDIC
Fraud, FDIC and FACTA
Help For Victims of ID Theft
Converted ATMs
Sliding Doors & Security
Fighting Back With Education
Dots that Protect Documents
Identity Management Not Secure in Many Companies
Spending on Biometrics Climbing Rapidly
Biometrics as Passwords
Secret Technology Foils Counterfeiting
Coalition Will Fight Online Fraud
'Skimming' Too Easy with New Technologies
New IRS Team Provides Education to Combat Money Laundering
$9,250,000 Judgment for Missed Paperwork
Should Have Taken The Bus
ATMs Not Too Secure
ID Theft of Another Flavor
He Was Short-Changed!
New Level of Smart Card Protection
"I Know Him!"
Wearing His 'Special' Shirt
Keeping Online Banking Safe: Why Banks Need Geolocation and Other New Techniques Right Now
If At First You Don't Succeed…
And Yet AGAIN!
A Bad Family Activity
Protecting Elderly Customers & Large Cash Withdrawals
A Sharper Eye
Invisible Ink Spray
A Lock That 'Talks' to Phones
Trash Retention
Using Armed Guards or Escorts
New Security Officer Looking for Resources
All Alone Am I -- At My Branch
Use of blank deposit slips in the lobby
Positive Pay Solution
Budget? What Budget?
Top Trends Impacting Bank Technology for 2005
Concerns About Internship Program
Drive-up Security Question
Can a Convicted Felon Work for a Bank?
Dealing with positive OFAC matches
Bogus Cashier Check Warnings and Reg. CC
Bank Vault Requirements?
Board Information, Security Issues
Reducing Robberies
Double Edged Protection
I am trying to find information on detecting internal fraud. Can you help?
ATM Lighting Standards for Multi-State Bank
A Theory About Bank Robbery
Identification & Access: Security Still of Primary Concern
Advice From FBI: Watch Your Laptop
Statistics on Security Measures
Data Needed to Verify New Internet Banking Users
Emergency Preparedness Update
States Looking at ATM Emergency Bills
Security is Top Level Consumer Concern
States Looking at ATM Emergency Bills
New Disaster Recovery Requirements
Marking Teller Currency "Invisibly"
Monthly security meeting topics
Guru Compilation: Email/Web Issues (PDF)
Guru Compilation: Employee Safety (PDF)
Guru Compilation: BSA (PDF)
Our Best Protection Against Terrorism
Password Security Hints
Ongoing Reviews and SAR Follow-Up
Annual policy reviews
Employee Background Checks
Apology Accepted
24/7 Fraud Check
ATM Security Tip
Canada Gets New Resident Card
Guru Chatter on Miscellaneous Security Issues(PDF)
Guru Chatter on Surveillance Video
Bank Security Requirements
Risks Associated with Metal Detectors
Your Safety and the "Not Me" Illness
Unusual Getaway Vehicle
The Japanese Solution to Machine Theft
Definition of "Tamper-Resistant Lock"
Our Best Protection Against Terrorism
Security Tips for Supermarket Branches
Panic & Alarm Buttons
Surveillance Film
Bad Hair Day
Information Security: Authentication In An Online Environment
ATM Lighting Requirements
Taking Home the Key to the Bank
Ratio of Security Officers to Branches
10 Potentially Catastrophic Mistakes During Bank Robberies
Social Engineer Contacts Bank
Use of Void Pantogram
Expiration Date on ATM Card
Cash Drawer Sharing
Can Only Officers Approve Checks?
Internal Fraud: Working with the Thief from Within
Branch Robbery in Homeland Alert Times
Janitors and Privacy Issues
Fighting Back
Business Continuity Planning - At the Top of 2004's "To Do" List
Posting Officer Info on Web Site
Smoke and Alarm Devices
Testing Candlefoot Power of ATM Lighting
Seeking Supplies for Tellers
Testing ATM Lighting
Staying Open in the Event of a Power Outage
Bank Robberies 2001 - Part II
Officer Access to the Vault
Is there a bait money requirement?
Should you inform an employee they are being investigated?
Handling Returned Mail & Security Issues
Bank Protection Act Building Security Requirements
Privacy II: Gramm-Leach-Bliley Strikes Again
Blocking View of ATM
Using Actual Video Of Robbery In Training Session
Extortion/Kidnapping Checklist
Only One Employee In The Office
Remove Hats Sign
Presenting Annual Security Reports To The Board
Kidnapping, Extortion and Bomb Threat Policies
Fraud Prevention Incentive Plan For Employees
Security Training Not A Joke
Non-Network Vulnerability
Mock Robbery "Skits"
Security Issue - Branch With Only 2 Employees
Robber Height Markers Vendor
Guidance For The Annual Security Report To Board
Backup Tapes & Fireproof Cabinets
Is It Necessary To Save Teller Trash?
Can We Close Abusive Customer's Accounts?
Uncovering Potential Fraud: How Far should your investigation go?
Surveillance Tape Retention Schedule
Eliminating Branch Opening Procedures and Time-Delay Vaults
Insurer Says Executives Face Kidnap Risks
Can we close an account if we feel that a customer is up to no good?
Is there an industry standard for using CCTV systems?
Transporting Cash
Being Ready for Bomb Threats
When Tellers Are Targeted
When Tellers Are Targeted -- Part II
Top Ten Weapons Against Web Site Theft
High Tech "Dye Pack"
ALERT: Remote Sendmail Header Processing Vulnerability
Time-Delay Locks on Cash Vaults
Preparation Priorities: Twenty Areas To Check NOW
When disaster strikes
CyberSecurity Advisory Checklist
Physical and Digital Threats to Financial Institutions in the Wake of the Terrorist Attacks
Tips for Dealing with Suspicious Mail
Are You Running With Scissors? Physical Security: What You Should Be Doing Now!
Required UL Classification For Vaults
Security Spending - Are you spending it in the right places? - Part II
Security Spending - Are you spending it in the right places? - Part 1
Ongoing Steps For Virus Protection
What are "bust out schemes"?
Dye Pack Vendors
Improving Branch Security
Solving Dual Control Problems
Displaying Teller's Names
Posting Officer Names And Photos On Your Web Site
Letting Customers Into The Branch Early
IT Security Policy
Should tellers have their full name on their name plates?
Software Piracy
Security Portals
Armed vs. Unarmed Guards
Follow Simple Steps to Boost Internet Security
Industry Standard For Alarm Testing
Policies and Guidelines For Handling Losses
Robbery Deterrence: Security Guards vs. Equipment and Procedures
Night Inspection Tips
Resources For IT Security Training
Funds Transfer: Developing Commercially Reasonable Security Procedures For Your Bank, Part 2
Illuminating The Vault: Lighting Requirements When The Vault Is Visible From Outside The Building
Back Office Security Training
Bait Trap Advice
Teller Alarms and/or Bait Traps For The Drive-Through
Account Opening: Should we be photocopying identification? Are we required to?
Willful Violations of Opening Procedures
Physical Security: What You Should Be Doing Now
Security Policy vs. Information Security Policy
CyberSecurity Checklist
The Challenges of e-Security
Sample Confidentiality Agreement
Opening Procedures
Night Inspections
Convenience Store ATMs
Developing a security plan
Pretend you're a crook
Developing a security plan
The Institution's Security Program
Security Procedures
Ideas for Your Next Security Training Session
Branch Security From Home Base
OCC Says, "Watch out for Hackers!"
Internet - Safety Nets For The 'Net
Fast Track Program
New FBI Terrorist Collector's Series
Question & Answer
Focus On SECURITY
More Security Survey Results
Personal Computer SECURITY
"Please Enter The Last 4 Digits Of Your Social Security Number…Now"
Come In, X9F2…
Criminal Referral Forms & FDIC
Are You Prepared For A Bomb?
Excedrin Headache # 444
Hooray, Hooray, It's The First Of May!
Mailbox Hi-jacking
Memo To Security Officers
Open Sesame!
Tighten Up Security
A Banker's Sixth Sense-Pay Attention To It!
A Matter Of Forgery
Bank Protection Act Changes-More Work For The Super Security Professional
Bank Protections Act
Can You Believe? !
Can You Identify That Person?
Counterfeit Currency
Counterfeit U.S. Government Checks
Credit Card Fraud Skyrockets!
EDITORIAL PRIORITIES
Fax Fraud Facts…or…Fraud Fax Facts
Fingerprint Reports Expanded
Fingerprinting Questions & Answers:
Good Samaritan Scam
Happy Halloween
Mandatory Fingerprinting?
Mock Holdups-A Good Idea?
More On The "Super Security Professional"
Morning Glory Robbery
Robberies On The Rise
Some Days NOTHING Goes Right !
Super Security Professional!
Teller Breaks Up Drug Ring!
Unusual Prison Work
What's In A Name…?
Where Are Your Trash Baskets?
Your Trash Is Their Cash!
...But I've Seen Him In Here Before!
Is This Signature Forged?
Prove That Pass!
Smart Seniors Fight Back!


Security Spotlight/Briefings/News
  • Special Banker Briefing March 15, 2006
  • BOL News January 5, 2006


    Security Interest
    How to Cross Pledge Existing Mortgage to New Loan
    Security Interest Description for Construction
    UCC Filing for Large Vessel Loan w/Preferred Ship?
    Certificate of Deposit for Collateral-Wrong #
    Reg B Spousal Consent to Pledge Community Assets
    Future Advance Clause of Previous Loan for New Loan
    Do a Flood Determination for Each Property?
    Security Interest in a Savings Bond
    Customer Rescinded the Loan
    RESPA - Loan on the Land, Not the Mobile Home
    Lending DDA Funds
    Funding on Warehouse Lines of Credit
    New Security Agreement Required?
    Timeshare as Collateral
    Financing Statement Expiration
    No ROR Needed on Loan Renewal?
    Security Interest in Railroad Cars
    Wedding Ring as Loan Collateral
    Lien Position on Loan Secured by CD
    Requiring Both Spousal Signatures to Perfect Lien
    Taking a Security Interest in a Radio Station
    Right to Cancel on 'Abundance of Caution' Mortgage
    Purchase Money Loan for Wedding Ring
    Does the Spousal Signature Rule Affect Perfection?
    Household Goods as Collateral -- Reg AA Question
    If There is no Recorded Lien, is it a Refinance
    Perfecting a Lien on Aircraft
    Purchase money open end line of credit?
    Does a security interest follow the collateral?
    Perfecting A Security Interest In A Life Insurance Policy
    Does right of rescission and HMDA apply for unsecured home improvements?
    Modifying Secured Loans
    Proper Way To Perfect Interest In Mobile Homes
    Notification Requirements For Notice of Security Interest
    Protecting Lenders' Interests in Aircraft, Engines, Propellers and Spare Parts


    Security Officer
    Security Officer - Director, is it a Conflict?
    Security Officer's insurance
    "Safety Committee" for Mutual Savings Bank?
    Executive Security Training
    Check List for Security Officer
    Robbery Training
    Advice Ignored by my Board
    Annual Security Report
    Fraud Photos to Customers
    Being Unaware is More Costly than you Think
    Security Officer Certification Course
    Successful Training Techniques
    Training Requirements for Security Officers
    Dealing with an Embezzlement Investigation
    Bank Protection Act - File Annual Report to FDIC?
    Time Limit to Appoint New Security Officer
    Change in Environment Changes Security Strategy
    Phone Center Robbery Procedures
    Designating a Security Officer
    Preparing Your Annual Security Program Report
    Background Investigations: Part 3: The What
    Background Investigations -- Part 2: The Who
    Background Investigations: Part 1: The Why
    Security Officer's Role in BHC's Insurance Agency
    Security Camera Requirements
    Using Armed Guards or Escorts
    New Security Officer Looking for Resources
    Budget? What Budget?
    Reducing Robberies
    A Theory About Bank Robbery
    Emergency Preparedness Update
    Our Best Protection Against Terrorism
    Your Safety and the "Not Me" Illness
    Board of Directors Liability
    10 Potentially Catastrophic Mistakes During Bank Robberies
    Posting Officer Info on Web Site
    Written Security Program Required
    Training on ID Verification and Spotting Fakes
    Security officer liability
    Blocking View of ATM
    Using Actual Video Of Robbery In Training Session
    Extortion/Kidnapping Checklist
    Only One Employee In The Office
    Presenting Annual Security Reports To The Board
    Guidance For The Annual Security Report To Board
    Does a financial institution Security Officer have to be an Executive Officer?
    Annual Report to the Board of Directors
    Security Officer's Position Description
    The Security Director
    Gaining power through your budget
    Getting the board to recognize your effort
    The Security Officer's Role
    Star-Wars Style Security
    EDITORIAL - You Can Count On It
    EDITORIAL - It's The Communication, People
    EDITORIAL - To Be Forewarned...
    IN THE NEWS - "Facing" The Criminals
    Question & Answer
    How Many Hats Do You Wear?
    Question & Answer
    Question & Answer
    Question & Answer
    EDITORIAL - Bank Security Officer Training
    EDITORIAL - It's What You Know
    EDITORIAL - Required Security Officer Training?
    EDITORIAL - Security Officers Self Analysis:When Will You Change?
    EDITORIAL - Want To Leave Banking? Here's Some Advice…
    What's In Your Trash?
    EDITORIAL - Be Careful Of That Interview!
    EDITORIAL - Our System Is Perfect-NYET!
    EDITORIAL - Welcome To The 'Information Superhighway'!
    Luncheon Meetings: Cheap Insurance
    BAI Survey
    EDITORIAL - Make A Silk Purse Out Of A Sow's Ear!
    EDITORIAL - Sometimes It Isn't What You Know…
    Fraud Survey Results
    Question & Answer
    Security Survey: How Many Hats?
    EDITORIAL - Make Time To Network!
    You've Just Been Promoted To Manager!"
    EDITORIAL - Plan Ahead For "Moving Up"


    Service Fees
    Splitting Advertising Costs - RESPA Violations?
    RESPA: Private Suits for Markups
    Free Accounts with Low Balances Cost Us Money
    Charging Bad Address Accounts A "Service Fee"
    Changing Deposit-Related Fees
    A Lesson Learned
    Cashing Checks For Non-customers
    Fees Service, Service Fees, and Compliance


    Service Provider
    Service Provider Documentation
    HUD 1/1A and Privacy
    After the Hack
    RESPA: Private Suits for Markups
    Disclosing Coupon Book Company As Service Provider
    Federal Reserve Responds to Reg D Questions
    RESPA Kickbacks: It Takes Two To Tango
    Getting the HUD-1 Right
    Monitoring Service Provider Compliance with Information Security Requirements
    How Are You Managing Technology Risk?
    RESPA & gift certificates
    HUD-1, Identifying Fees Paid, and Examination Requirements
    New HUD RESPA Policy on Payments
    RESPA: One-Two-Punch: HUD Follows RESPA Policy Statement With Action
    RESPA: Kicking Back RESPA
    RESPA - Where The Chips Fall
    Merging Reg Z and RESPA
    RESPA Clarified
    Broker Fees: There's More Than One Way to Skin A Regulation


    Servicemember's Civil Relief Act
    Past Due Notice and Installment Contracts (SCRA)
    Past Due Notice and Installment Contracts (SCRA)
    Are Vehicles Covered Under SCRA?
    SCRA HUD Disclosure Requirement
    Eligible for 6% Rate As Result of New Active Duty
    Are veterans covered by the SCRA?
    SCRA Relief Qualifications: Reenlistment/Recall
    SCRA Past Due On Loan During Active Duty
    Active Duty 6% Interest Rate Protection
    Provisions of Service Members Civil Relief Act
    SCRA Notice Disclosure-All Past Due Customers?
    Service Members Civil Relief Notice
    ATM Fees for Active Duty Military?
    Does SCRA Apply to Spouse's Loan?
    Servicemember's Loan Default
    Loan Rate for Army Reservist
    SCRA Notice in Past Due Mortgage Notices?
    SCRA – Report Delinquent History on Credit Report
    SCRA – Is 6% the Interest Rate or the APR?
    SCRA – When Does Active Duty Begin?
    Entitled to SCRA Relief?
    SCRA Notice - Mortgage Only or All Borrowers?
    SCRA - Finalized HUD Notice
    Calculating Servicemember Loans
    Is the SCRA Rate Retroactive?
    SCRA & Collection Calls on Past Due Credit Cards
    SCRA - Must We Defer Loan Payments?
    Does SCRA Apply to Employees of the Military?
    Determining Reduced Payment Amount under SCRA
    SCRA and Sub-6% Mortgage Loan
    Determining Reduced Payment Amount under SCRA
    What is "Active Duty" Under the SCRA?
    Is This Servicemember Protected by SCRA?
    Interest rates for servicemembers
    SCRA and Loan to Estate
    SCRA: How Far Back Does Relief Go?
    What is Active Duty for SCRA?
    SCRA and the Interest Rate Reduction Requirement
    SCRA Q & As
    SCRA Rate on Student Loans
    New federal law addresses bank, military service member relations
    SCRA records retention
    Overdrawn Accounts and the SSCRA
    When duty calls: dealing with employees on military leave
    Military leave
    Debiting a Military Customer's Account
    SSCRA & Rate Caps
    SSCRA Rate Adjustment
    SSCRA Applicable to Enlistees?
    Military Dependants Eligible For SSCRA Benefits?
    SSCRA: What defines active duty?
    SSCRA: Definition Of Active Duty
    Military ID Cards
    SSCRA Rate Reductions & Timing
    SSCRA Interest Loss To Be Reimbursed
    BOL's Soldiers' and Sailors' Civil Relief Act Page
    SSCRA Interest Loss To Be Reimbursed
    SSCRA Resources
    SSCRA Obligations
    Soldier and Sailors Civil Relief Act Information
    SSCRA: How does it affect foreclosure?
    SSCRA and Repossessions
    SBA Loans and the SCRA
    SSCRA
    BOL's SSCRA page
    SSCRA Q&A - Pt. 1
    SSCRA Q&A - Pt. 2
    Reservist Achieves Victory Under SSCRA: What Every Lender Should Know
    Understanding the Soldiers' and Sailors' Civil Relief Act


    Settlement/Settlement Statement
    HUD-1 Purchase Money Mortgage Transaction
    Practice of Reflecting Negative Discount Points
    What Line of HUD Should Wire Charge be Placed?
    Fee for Electronic Filling of Docs-Shown on GFE
    Insurance Info Required on HUD for Commercial?
    Required to List Items Title Company Added to HUD?
    Payable to Agent or Underwriter on 1103/1104 HUD
    Place for Subordination Fee on GFE and HUD-1
    How to List Survey Fee (Service Missing on GFE)
    Final HUD-1 w/ Errors on Comparison Chart
    Curing a Tolerance Violation on HUD-1A
    HUD-1 - Negative Interim Interest
    Fees for TIL
    Disclosing a Rate Lock Fee
    Disclosing Credit Report Fees under RESPA
    Using the New HUD Settlement Statement
    Itemize Amounts on the TIL?
    TIL Disclosure Statement - List Fees?
    Who Completes the HUD 1?
    Newspaper Loan Closing Coupon - APR & Disclosures
    Commercial Loan - HUD Settlement Statement?
    Real Estate Settlement Booklet
    Refinance or Purchase for Disclosure Purposes?
    Adjusting the HUD-1 Settlement Statement
    HUD Settlement Statement Required?
    Selling Mortgage Applications
    Hors d'oeuvres and Drinks
    HELOC - Disclosing Closing Costs
    GFE Disclosures
    Seller Signs the HUD 1?
    Settlement Services - Specific Attorney Required
    Flood Hazard - 10 Day Waiting Period
    POC Costs & Property Taxes Listed on HUD-1A form
    Co-Borrowers, GFEs, and Signing the HUD-1
    Origination Fee vs. Points
    Completing a GFE with "P.O.C"
    GFE & Settlement Statement - Fixed Rate 2nd Mortgage
    RESPA: Private Suits for Markups
    Two loans at closing - one HUD-1
    Place of Settlement on a HUD-1/1A
    PMI at Closing -- Prepaid FC?
    The GFE: HUD Starts Over
    Combined Fees on a Mortgage Loan
    Disclosing Property Taxes Under RESPA
    Settlement Statement for Non-home Loans
    PMI Disclosures On The Settlement Statement
    Customer Signatures on RESPA Docs
    Getting the HUD-1 Right
    Dating HUD Statements
    Disclose Cancellation Fee on the HUD1?
    Notification Requirements: One Day In Advance Of Closing Rule
    GFE/Settlement Sheet Completion Appraisal Notification for Residentially Secured Business Loans
    RESPA / Reg X: What's in the Water at HUD?
    Listing Insurance on HUD-1s
    New HUD RESPA Policy on Payments
    GFE/Settlement Sheet Completion Appraisal Notification for Residentially Secured Business Loans
    RESPA: One-Two-Punch: HUD Follows RESPA Policy Statement With Action
    Settlement Fees - Attorney vs. Settlement Company
    Private Mortgage Insurance


    Sexual Harassment
    FDIC - TV Commercial
    Sexual harassment: a risk that should not be ignored
    Undercover Investigation Justifies Terminations
    September 11 Doesn't Justify Discrimination Against Muslims, Arabs, Others
    How to Investigate Sexual Harassment Complaints
    A Quick Reference Guide to Sexual Harassment Law
    EEOC Policy Guidance on Sexual Harassment


    Signage/Logos
    EH Logo Required on Window Decals?
    Reg on State Charted CU Advertising EHA Logo
    Required to Post ChexSystems Signs for New Acct?
    Notice of Availability & Sign Display Requirements
    List of Required Signage for Branches and ATMs
    Terms Binding on Acct. w/o Signed Signature Card?
    Should Funds Availability Sign Include Location?
    UCC Requirements on Lobby Postings-Font, Size?
    Renting Space to Mortgage Company
    Compliance Rules for ATM Sign
    Displaying Bi-lingual Equal Housing Lender Poster
    FDIC Signage in Drive-throughs
    Funds Availability and HMDA Compliance Signs
    Supermarket branch promotional signs
    Where's the line on in-store deposit signs?
    Mortgage Loan on a Marquee Sign
    Member FDIC in Small Print
    Bank Sponsored Event & Member FDIC
    Commercial Loans
    Statements and FDIC Logos
    Outdoor Message Center Advertising "Free Gift"
    ATM Funds Availability Signage for Funds Transfer?
    Reg CC Funds Availability Verbiage
    EHL logo on Commercial Loans
    Bank Partnering with Realtor - Signage Compliance
    Advertising Mortgage Products on a Bank Statement
    Radio Ad
    Member FDIC
    Advertising APY Instead of Annual Percentage Yield
    Disclosure in Foreign Language
    Bank T-shirts
    Visa Logo on Debit Cards Equals Zero Liability?
    Obtaining CRA Notices
    FDIC Official Advertising Statement
    FDIC Membership
    Night Deposit Drop Signage
    Reg CC Signage & the Drive-Thru Window
    Marketing Servicing Agreements
    Required Website Disclosures
    New FDIC Signs
    Loan Sign Advertising Compliance
    Night Drop Signage
    Potential Customer Letter
    Advertisement for Stored Value Cards
    Looking for a Financial Disclosure Notice
    Temporary Liquidity Guarantee Program
    Dealing with Credit Card Fraud - Time Frame
    Marketing Button - Indoor Signage?
    Outdoor Sign
    FDIC Insurance Changes - New Signage Required?
    Advertising Increased Insurance
    Just Say APY?
    Equal Housing Lender Sign - Latest Version
    New FDIC EH Lender Poster
    HELOC Outside Banner
    FDIC Logo on Security Envelopes & Promo Items
    Reg CC Signage Requirements
    Required/Optional, Member FDIC
    Electronic billboard and FDIC
    Holiday Closing Sign Rules
    Mention Loan in Ad and Trigger Equal Housing Logo?
    Website - FDIC Logo
    "Member FDIC" Statement
    Deposit Bags
    Trigger Terms on Rehab Loans
    FDIC signs
    Sponsoring a Radio Ad - Member FDIC Required?
    EHL Doghouse Logo
    Loan Message on Statement – EH Logo Required?
    Blended APY on Rate Board/Lobby Sign
    Cell Phone Banking - Display FDIC & EH Logo
    Advertising with a Realtor
    USA Patriot Act Signage
    Member FDIC Logo on Bank-Sponsored School Sign?
    Advertising a Private Insurance Carrier's Logo
    FDIC Logo
    Member FDIC Logo on Bank-Sponsored School Sign?
    Advertising Definition
    In the Doghouse?
    Reg Z Advertising Disclosure Rules For In-Branch Posters
    Wording on Billboard Advertising
    OLD FDIC Seal in Print Ads
    Equal Housing Lender Posters - OCC Vs FDIC
    Electronic billboard advertising compliance
    Member FDIC on Sheet Stuffer?
    Advertising Questions
    Buck Slips
    Logo Size
    Advertising Questions
    Event Sponsorship
    Equal Housing Lender Logo
    EH Logo on Website
    Mortgage Advertising - Which Logo Do We Use?
    Signage Search
    Rate Sheets
    EH Logo Required on Forms in Application Package?
    FDIC Logo and Credit Card Ads
    FDIC and EHL Logos
    FDIC logo and credit card ads
    ATMs & New FDIC Signage
    Advertising on a Banner
    Logo Size Requirement
    New Signage?
    Displaying FDIC Signage Before the Compliance Date
    FDIC Logo Required on Public Relations Ad?
    Should We Include the Logos in the Ad?
    Equal Housing Logo - What is it?
    EHL Logo Ad Sizes
    House Logo Required on Statements?
    Exterior Signage Disclosures
    EHL Logo - Classified Ads
    Commercial Real Estate Tombstone Advertisement
    Commercial Lending Newspaper Advertisement
    Teller Window Signage
    FDIC Logo & EH Logo Left off of Promo Pens
    Member FDIC Logo on Bank Sponsored School Sign?
    In the Doghouse?
    FDIC Signage Change
    FDIC Official Statement in TV Ads
    Use & Display of the Equal Housing Lender Logo
    New FDIC Signage Size
    APY vs Annual Percentage Rate
    FDIC Logo - Minimum Type Size on Print Ads
    Lender Business Cards - EHL Logo & FDIC Logo
    Mobile Phone Ads - Display "Equal Housing Lender"
    Bank Sign at Baseball Field, FDIC Logo Required?
    EHL and/or EHO logos
    Member FDIC on Name Badges
    Website Video Advertisements
    Typing "Equal Housing Lender" in Lieu of Logo?
    Reg Z Advertising Disclosure Rules For In-Branch Posters
    Online Annual Reports and the FDIC Logo
    Readability Standards For "Clear and Conspicuous" Display
    EHL & FDIC Logo Required on Direct Mail Postcard?
    Using The FDIC Logo When Marketing Your Wealth Management Products
    Regulatory Logos on Promotional Items
    FDIC Logo & EH Logo Left off of Promo Pens
    Is OD Privilege Signage Required on ATMs?
    Advertising NDIP On Outdoor Signs
    Posting the FDIC Logo
    Electronic signage
    EHL Logo and Member FDIC on Bank Forms
    Common Website Violations
    Posting Cut-Off Time on Funds Availability Notice
    Advertising a Private Insurance Carrier's Logo
    Size Restrictions on FDIC Insurance Signs
    Does Logo Size Matter?
    List of Required Signage from the FDIC
    FDIC Signage Dilemma
    Handling Multiple Regulatory Disclosures
    Tiered Rate Savings Ad on Scrolling Sign
    Signage Required for Holiday Closings
    Billboard ad info needed
    Are EHL Logo and Member FDIC Required Here?
    Guru Compilation: Signage (PDF)
    FDIC Sign Size Requirements
    "Member FDIC" on the Donated Scoreboard
    Electronic Advertising
    NDIP Signs in Deposit-Taking Areas
    Advertising Disclosures With Letterhead
    Yard Signage and Triggered Disclosures
    Information Security Awareness Signs
    Using the EHL in Print Advertising
    Mandatory Use Of EHL Logo
    Posting CIP Notices in Branches
    EHOL Logo Requirement
    Using the EHL in Print Advertising
    Posting Holiday Closed Notices
    ATM Surcharge signs
    New HMDA Sign
    EHL Logo Sought
    Fighting Back
    EHL Logo for Web Site
    FDIC Signage on ATMs and Night Depositories
    "Financed By" Signs
    Remove Hats Sign
    ATM Signage Requirements
    Required Branch Signage
    Signage For An ATM
    Annual Financial Disclosure Statement Display Requirement
    Branch Signage Display Requirements


    Signature/Signature Card
    How to Set Up A Burial Account
    Reg Prohibiting Docs Being Signed On Diff Dates?
    Bank Liability for Funds Transfer Via eBanking
    Customer Info Required on Deposit Signature Card
    Signature Policy for Opening Accounts Online
    Convenience Signers Allowed Debit Card on DDA?
    Return Check for Reason "Two Signatures Required"
    Medallion Signature Guarantee Outside U.S.
    Owner that Signs Mortgage and not the Note
    Account w/o Check Writing need "Wet" Signature?
    Signature of Multiple Owners Required on Affidavit
    Forgery if Authorized Signer Signs Other Name?
    Borrowing Resolution w/ One Signer
    Reg E Opt-In Available to Bank Employees?
    Signage Requirements-Offsite Client Meetings
    Releasing Balance Info to Signer on Business Acct.
    Missing Signature on Application-Violation?
    Regs Covering Non-Signer Depositing Checks
    Non-Signer on Business Account a Bank Liability?
    Adding Signer to Revocable Trust
    Legal Name on Signature Card
    Accounts Requiring Two Signatures
    Signatures Required on Safe Deposit Lease
    Recourse for Failing to Verify Signature?
    The Title on a Signature Card
    Board Member/Signature Cards
    E-Signature for Opening Online Account?
    No Signature Cards for Online Accounts?
    Use of Signature Guarantee Stamp
    When is a Signature Addendum to be Used?
    Corporate or LLC Loans - Who Signs the Loan Docs?
    Spousal Signature Forgery
    Corporate Account – Signature Cards
    POA as Agent and Authorized Signer
    Possible Regulation B Violations?
    A Common Business Practice?
    Corporate Name Change & Signature Cards
    Dormant Account Signature Card Safekeeping
    Use of Initials on the Signature Card
    Reviewing Forged/Fake Check Rules & Procedures
    E-statement Conversion – Signatures on File?
    Esignatures
    Estatements and Multiple Accounts
    Temporarily Restricting Signer's Withdrawal Access
    Auto Debit Loan Pay - Signature Required?
    Need Clarification on Endorsement
    Documentation Proof of Authorized Transaction?
    Is a Faxed Signature Legally Binding?
    Adding Daughter to Father & Son Joint Account
    Facsimile Signatures
    Signing the GFE on a Refinance
    TILA Signed by Non-borrowing Spouse
    Consumer Liability Determined by Reg E or Visa?
    Bank Liable on Forged Signature Claim from Jan 05
    Signature Required on Phone Stop Pays?
    Converting to Self Enrollment Online Banking
    E-Sign
    Payroll Check Signed by Entity
    Reg B - Dual Signatures
    Minor Check Cashing
    Authorized Signer's Rights
    Ordering Debit Cards - Signature Required?
    Check Fraud Reporting Time Frame
    Lender Signature Required on URLA?
    RE Loan with Two Single People
    Signature Stamp Liability
    "3 Day Docs" Signature Time Frame
    A Signature Card for Every Account?
    Master Signature Card
    Customer Re-sign the Card if Beneficiary is Added?
    HUD-1, Signature Required
    Reg B & Indemnity Deeds of Trust
    Signed Access Device Request
    Requiring Both Spousal Signatures to Perfect Lien
    LLC Certificate of Formation
    Scan the Signature Card, Keep the Original?
    Changing Signatures on Business Accounts
    Signer's Checks Deposited into Owner's Account
    Unsigned Commercial Loan Application
    Cashing a Check with Two Signatures and One ID
    Customer Signature Required on ACH Affidavit Form
    Transfer of Servicing Notice Signature Requirements
    Making Regulatory Burden Worse
    Notary Witnessing Mortgage with Two Signatures
    Mortgage Disclosures Requiring Signatures
    Can You Make CHANGE? . . . for a safer box access system.
    Bank signature guarantees without Medallion
    Regulation B: The Signature Conundrum
    Forged facsimile signature -- who pays?
    Liability on altered checks
    Signature on File to Authorize Recurring ACH
    Forged Checks & Signature Verification
    Ordinary care in sight examining checks
    When parties fail to sign the signature card
    Does the Spousal Signature Rule Affect Perfection?
    Two signatures on UGMA/UTMA account?
    Paying on forged signature
    "See ID" Instead of Signing the Debit Card
    Beneficiary Withdrawals & Representative Payee Accounts
    Can I Accept a Facsimile Signature as an Original?
    Requirements for Signature Cards
    Getting Permission to Run Credit Report on DDA
    Using White-out on a Signature Card
    Signature on Adverse Action Notice
    Companies Partner To Offer E-signature Capabilities
    Sixty days to return paper draft?
    Requiring "Trustee" After Signature
    Dual Control & Dormant Account Signature Cards
    No Signature Card: Close Account?
    Two Signature Required Accounts: How should we give notification of a change in terms?
    Customer Signature Requirements
    Should Trustee Always Include "Trustee" After Signature?
    Non-Resident Signer With No SSN
    Signature Required For Guarantor's Credit Report?
    Right Of Rescission Confirmation: Is a signature required?
    Required Signatures On TIL?
    Pulling Credit Report Without Customer's Signature
    Spousal Signatures On A Business Loan
    Check Cashing Business Depositing Checks Payable To Cash
    Signatures: Love 'Em But Leave Them Off Of Loans
    Who's responsible if we accept a check that isn't signed?
    Unique Character Facsimile Signature Regulations
    Multiple Signers & IOLTA
    When a joint accountholder dies, what is the usual procedure for setting up new signature cards?
    When a new signature card has been executed and filed, what should we do with the old card?
    Converting An Account Requiring Two Signatures To An Individual Account
    Medallion Signature Guarantee Stamp Security
    Pre-nuptial Agreements, Real Estate, and Mortgage Loan Signatures
    Deadline For Returning Forged Signatures
    Signature Verification When Two Signatures Are Required
    If the customer can't read or write, can they sign for the loan with an 'X'
    Power Of Attorney Signed With An X: Is it good?
    Signature Card Retention Requirements
    Urgent Acceptance of Faxed Signature
    Multiple Convenience Signers
    Whose Signature Are You Requiring?
    What are the rules concerning Medallion Signature Guarantees?
    UTMA: How should the custodian sign the signature card?
    Avoiding Monitoring For Multiple Signatures
    Joint Accounts With Those Too Young To Know Any Better
    Authorized Signer Rights After Owner's Death
    Cash Back to a Nonsigner
    Two Signatures Required
    Can a lender require a spouse to sign for a business loan?
    Joint Account With Only One Signature On Signature Card
    Multiple CDs = Multiple Signature Cards?
    Check Review Threshold - What Is the Standard?
    Customer Negligence and Signature Stamp
    Policy For Reviewing Multiple Signatures On Checks
    Using A Signature Stamp For An Individual With Disabilities


    Small Business
    Revenue for CRA Small Business Loan
    Joint Business Account, but One Owner?
    Federal Credit Application Insurance Disclosure
    Reg O - SBA Loan
    Small Business Loans
    Clearing the Credit Report Since It Finally Paid
    Reg. B and Small Business Lending
    Cutbacks: Helping Small Businesses
    Action Date for CRA Small Business Loans
    Is This HMDA Reportable
    Sending Business Check Cards
    Major Fishing in the SBA Pond
    Encouraging Small Business Checking
    Recognizing income for new businesses
    Small Business Owners & Credit Evaluation


    Smart Cards
    Non-personalized Prepaid Mastercards
    Expired Stored Value Card
    Is a 1099 Required for Gift Cards?
    Compliance Issues of Stored Value Cards
    Gift Cards a Monetary Instrument?
    Paper? or Plastic?
    Payroll Card Use Growing Rapidly
    Prepaid Industry Global in Scope
    New Level of Smart Card Protection
    Pick Your Own Bonus Point Program
    Coffee & Credit All In One
    French Issue $107 Limit Card
    Java and Prepaid Cards: A Better Brew
    Smart Cards on Campus
    Stored Value Cards for Payroll
    Stored Value Card Dollar Limit
    Pre-paid debit cards --- stored value cards?
    Offering Stored Value For Transportation
    How does the periodic statement apply to stored value cards?
    Smart Cards Go to School
    IN THE NEWS - New Use for Smart Cards
    IN THE NEWS - Smart Card Developments
    IN THE NEWS - The Federal Government Gets "Smart"
    Smart Cards In Transportation
    Stored Value Cards
    "Feature Reloadable" ATM Cards
    IN THE NEWS - Coming Soon…
    IN THE NEWS - Sorry…We Don't Take The Card Here…
    IN THE NEWS - Stored-value Cards Join The Army
    Smart Card Development
    Stored Value Cards - A Different Opinion
    "Just Take It Off My Card..."
    EDITORIAL - We'll Just Wait And See
    It's A Beginning…
    Just A Little Piece Of Plastic…


    Social Networking
    Advertising Compliance for Facebook Advertising
    Disclosures and Facebook
    Top Ten Trends Impacting Bank Technology for 2010
    Should Compliance Be Reviewing Officer Blogs?


    Social Security
    Require SS# When Non-Customer Cash On-Us Check?
    Requirement on Government Checks & Cash Out
    Fraudulent Check in Social Security Direct Deposit
    Reclaiming Deceased Customer's Social Sec. Funds
    Separate Account or Conservator for SSA Benefits
    Hold on SS Check Deposited into Joint Account
    Releasing Funds to Rep Payee
    Representative Payee Account Funds
    About Tax ID Numbers
    Opening a Representative Payee Account
    Ward Cashing Check on Representative Payee Account
    HMDA Reporting - Social Security Income
    SS Direct Deposit into Trust Account
    DBA Account Levy
    Correct CTR Completion for SMLLC
    Trust Account Styling
    OFAC Check - Non-customer Transactions
    Death of SS Recipient – Check Return Rules
    Vault Requirements for Housing Customer Assets
    Titling a Representative Payee Account
    Surviving Payee Negotiating Treasury Check
    Red Flags - Verifying SSN & Date of Birth
    Debit Cards for Minors Receiving SS Direct Deposit
    Say Uncle?
    TIN, Please
    SSI Check Deposit Account Restrictions
    Opening Accounts for New Amish Customers
    Nursing Home as Representative Payee
    "Work Purpose Only" Social Security Cards
    Social Security Check Offset
    Social Security Reclamations
    Listing TIN on Face of Note
    Customers Faxing Applications with SSN on Them
    Students More At Risk For ID Theft
    Copy of SSN Card
    Assigning a Social Security Benefits Check
    Beneficiary Withdrawals & Representative Payee Accounts
    Social Security deposits to frozen accounts
    Daddy's Girl
    Revealing Robbery Notes
    Paying OD in Anticipation of SSA Deposit
    Social Security Deposits to Frozen Accounts
    DNE Notification on ACH
    Withdrawals of SS Funds After Owner's Death
    Photocopying SS Cards
    Can We Offset If We Receive A Reclamation?
    Bank Offsets Against Social Security & V.A. Direct Deposits
    Social Security Offsets -- the Associations Fight Back
    Reversal of Lopez Case on Social Security Offsets
    Supreme Court Rules on SS Offsets
    Procedures For Handling Guardian / Representative SSI Checks
    Taking Deductions From Accounts Receiving Social Security Payments
    Procedure To Handle A Social Security Deposits Made By A Nursing Home
    Requirement For Obtaining Accountholder Social Security Number
    Social Security Deposites & Levies
    Negotiating U.S. Treasury Checks
    Social Security Administration: ATM Cards For Representative Payees
    Reversal of Lopez Case on Social Security Offsets
    Social Security Offsets -- the Associations Fight Back
    Social Security Offsets: What Now?
    Social Security Offsets: Aren't overdraft fees extensions of credit? What about Reg B?
    One More Reason to "Know Your Customer"


    Sole Proprietorship
    Documents When Sole Proprietor Dies
    Put Beneficiary on Sole Proprietor Checking?
    Open Sole Prop As Individual or Joint Account?
    Previous Owner Dissolve DBA Once Transferred?
    Affidavit of Sole Ownership for Opening Sole Prop?
    Can Sole Prop Become Joint Venture if Spouses?
    List DBA As POD w/ Trust As Beneficiary?
    Sole Proprietorship w/Fictitious Name Certificate
    Sole Proprietor CTR-Use TIN or SSN#?
    Opt In/Opt Out Apply to DBA/Sole Proprietor?
    Proprietorship Title Account in Business Name?
    2 Owners of Business Acct. as Sole Proprietor
    Using SS vs. EIN on a DBA Account
    Styling for Business w/Customers Name in Title
    Can a LLC Operate as a Sole Prop?
    2 LLC's own the same Sole Proprietorship?
    Tax Reporting for Sole Proprietorship Account
    Sole Proprietor Documentation
    Client with Expired DBA
    Using Cashing Business Checks
    Sole Proprietorship: Business or Personal?
    Account for DBA Sole Proprietorship
    Assumed Name Certificate
    Purpose/Style of DBA Accounts
    NOW Account and a Sole Proprietorship
    Death of Business Principals
    Reg DD and Sole Proprietors
    Account Change
    Sole Prop NOW Account - TIN Instead of SSN?
    DBA Account Levy
    POA on a Sole Proprietorship?
    Cash Back on a Sole Proprietorship Deposit
    Can a Sole Proprietorship have a NOW Account?
    Questioning the Eligibility of Our NOW Accounts
    Reg CC - New Account
    Commercial Loan to a Sole Proprietorship
    Business Transactions Via Personal Accounts
    Account Styling – Sole Proprietorship with a TIN
    CTR on Spousal Sole Proprietorship Account
    Sole Proprietor Using EIN to Open a Now Account
    Bank Execution Against an Individual
    CIP Documentation & Sole Proprietorships
    Debit Card for Sole Proprietor
    NOW Acct for Sole Proprietorship DBA a Corporation
    Sole Proprietorships & FCRA Adverse Action Notices
    Sole Proprietor Vs Sole Practitioner
    File an Amended Designation of Exemption?
    HR 323 & CTR Exemptions of Seasoned Customers
    Designating the Signer on Sole Proprietor Loan
    CTR - DBA Account
    Spousal Business NOW Accounts
    Sole Proprietor Without DBA in the Title
    Spousal Partnership Opening a NOW Account
    Commercial Account Overdraft Fees
    Sole Proprietorships & Reg E
    CIP for Non-resident Alien Sole Proprietorship
    Deposit Sole Proprietor Checks in Personal Account
    Sole Proprietorship Accounts & Reg DD
    Death of a Sole Proprietor
    Titling a loan to a sole proprietorship
    New Accounts: Do you need an affidavit of sole proprietorship? Account Styling SSN vs EIN
    Completing CTR for Sole Prop Deposits
    "Joint" Sole Proprietors
    Right of Offset
    Account Styling: Converting a Partnership Account to a Sole Proprietorship Account
    Reg E: Is a sole proprietorship a natural person?
    When opening an account with a fictitious name certificate, must the account be a business account?
    Sole Proprietorship Accounts & Business License Documentation
    When the sole proprietor dies, does the spouse control the account?
    Cashing Checks For Sole Proprietorships
    Corporate Seal Requirements & Documenting Sole Proprietorships
    Sample Affidavit of Sole Proprietorship
    Using DBA On Sole Proprietorship Loans
    Can a Sole Proprietorship Account Designate a POD?
    Check Cashing: Cash Back For Sole Proprietor Accounts
    Can a sole proprietorship be owned by a trust?
    Can a sole proprietor have a single EIN for several businesses?
    Sole Proprietor Checking Account Features
    Structuring A Sole Proprietorship Account


    Special Focus Section
    Risk Managment Special Edition
    Red Flags Special Edition



    Spouse Signature/Guarantee
    Regulation B: The Signature Conundrum
    Does the Spousal Signature Rule Affect Perfection?
    Disclosures to Non-Borrowing Owners
    Spousal Signature Requirements in Community Property State
    Non-Spouse IRA Beneficiary: Should you get the spouse's signature?
    Loan Guarantee By Spouse
    Requiring a Spousal Guarantee
    Can a lender require a spouse to sign for a business loan?


    SSL
    Question & Answer
    Question & Answer
    Question & Answer


    SSN
    Verbiage Possible Years of SSN Issuance
    Open Account (W8BEN) Require ITIN?
    Business Account with Child's SSN?
    Account Change
    Sole Prop NOW Account - TIN Instead of SSN?
    CTR on Family Trust Account
    Sole Member LLC – Account Titling
    Miller Trust – SSN or TIN?
    Estate Account – TIN or Deceased SSN?
    OFAC Check - Non-customer Transactions
    Noncustomer Refuses to Provide SSN
    SSN or ITIN Required for Non-Resident Aliens?
    Titling an LLC With a SSN
    Opening a Living Trust Account with an SSN
    CIP Documentation - Court Ordered Accounts
    The Amish & Non-Interest Bearing Accounts
    Conservatorship Checking Account
    Resource Needed for Verifying SSNs & ID Checks
    CTR on a Courier Service
    Irrevocable Trust - Use TIN or SSN?
    Setting Up a Minor Representative Payee Account
    EIN & SSN - Same Number?
    Foreign Accounts – Interest Reporting
    SSN for a Single Member LLC?
    SSN on Credit Denial
    Filing a SAR on Customer with a Fake SSN
    W8-BEN on Non-resident Alien with a SSN
    File an Amended Designation of Exemption?
    Two Separate LLCs, Same Owner & Same EIN
    POD's SSN Required?
    New Account Verification
    Putting the Customer's SSN on the Back of a Check
    Getting Around ID & SSN Requirments
    CIP all Signers on a Non Profit Account?
    Memorial Fund Account Tax Issues
    Handling Interest After Demise of Depositor
    CTR for a Customer with a Hyphenated Name
    Social Security Reclamations
    SSN Requirements for Signers
    Copy of SSN Card
    Account for Non U.S. Person
    Using SSN for Online Access
    SSN Verification Manual
    New Accounts: Guidelines for Non-profit Accounts
    Correct Form for Non-Resident Alien with SSN
    Can I make a copy of an SSN card?
    DDA LLC Ownership Style
    CIP Business Accounts
    Data Needed to Verify New Internet Banking Users
    Account Styling SSN vs EIN
    LLC Using a Social Security Number
    If It is a Bad SSN, Do We File a SAR?
    Who is the Customer of a Group Account?
    Requiring an SSN is a Violation of Law, He Says
    CIP & SSN Verification
    Quote: SSN Not Required
    W-8Ben Customer's Joint Account
    Is SSN on Mortgage Illegal?
    SSNs & Savings Account For Minors
    BSA TIN Requirement & Religious Beliefs
    CIP and compliance with other laws
    Verifying The SSN & CIP
    CTR: Use The Name On Driver's License or SSN Card?
    Non-Resident Signer With No SSN
    Opening Account for Non-Resident Alien
    Must An Executor/Executrix Obtain a Tax ID Number?
    Opening Non-Personal Account With SSN?
    Can An Estate Have A NOW Account?
    LLC Accounts: SSN or TIN?
    Account Styling: SSN or TIN for DDA in individual name, DBA as company?
    LLC: TIN or SSN?
    Campaign Fund Accounts: Candidate's SSN or TIN?
    Can a trust be garnished (if the customer's SSN is used)?
    Verifying Identity Without Requesting The SSN
    Verifying SSNs & TINs
    Can a revocable trust account be opened using a deceased person's SSN?
    Grantor Trusts & SSNs
    SSNs & Customer Identification
    Using SSN As TIN For A Irrevocable Living Trust?
    IRS Reporting: Can nicknames be used as long as the SSN is correct?
    Bank Offsets Against Social Security & V.A. Direct Deposits
    Invalid SSN On New Account
    SSN Indexes: Where can we find them?
    Using DBA On Sole Proprietorship Loans
    TIN Certification With No SSN?
    Legitimate Customers with No SSN
    LLC: EIN or SSN?
    SSN As Employee Identification


    Statement of Condition
    Charged Off Accounts - Statement Mailings
    Account Balancing Form
    Link to Error Resolution Notice
    Free Accounts and Fee for Statement
    Phase 1 Exemptions- Statement of Condition
    Online Annual Reports and the FDIC Logo
    Are your Internal Controls like Swiss Cheese? Part 12
    Statement of Condition Availability


    Statements
    Deposit Activity on Periodic Statement for Business?
    Credit Card Numbers & Periodic Statements
    List Account # on Periodic Statements? (Reg E)
    Send Annual Mortgage Statement for Commercial Loan?
    Info Required on Checking/Savings Statements
    Format of Statement OD Fee Totals under Reg DD
    Procedure for Changing Account to E-Statements
    Requirements for "Opt In" Online Statements
    Required Information on Savings Statement
    E-Statements
    E-Statement Images
    Sending Statements for Accounts with Zero Balances
    Opting Out of Paper Statements
    Returned ACH Transactions
    Reg Z - Statement Requirements
    Statements and FDIC Logos
    Average Number of Pages in a Statement
    HELOC Monthly Statements
    E-Statement Agreement - Signature Card
    Bank Address/Phone Info on E-statements
    Paid Statement Stuffers
    Delivery of E-statement Disclosures
    E-statement Verification
    Advertising Mortgage Products on a Bank Statement
    A2A Statement Information
    Closed End Loans – Billing Notices & Statements
    Switching Formats
    Charging a Paper Statement Fee
    Marketing Messages
    E-Statements - Customer Notification
    New Reg DD Amendment – OD Fee Disclosures
    TIL Disclosure Statement - List Fees?
    Debit Card Fraud – Customer Liability
    Accessing Credit Card Statements Online
    E-Statement Authorization
    ODP Via a LOC - Annual Financial Statement
    Lowering Savings Rate – 30 Day Notice Required?
    Free Accounts and Fee for Statement
    Employer/Employee Contributions on HSA Statements
    Unopened Online Banking Statements
    Stop Email & Paper Statements Per Customer Request
    Reg E - Untimely Notice
    Annual Privacy Statement Mailings
    Statement Considered an Advertisement?
    Reg E Claim Time Frame
    E-statement Conversion – Signatures on File?
    E-Statement format change
    Bounced E-Statement
    Unauthorized Items - 24 Hour Rule
    Fraudulent Statements
    Compliance Info for Emailed DDA/SAV Statements
    Tiered Rate Checking Account APY Disclosures
    Statement Stuffer Loan Ad – APR Disclosures
    Delivery of E-statement Disclosures
    Broker Required to Send Servicing Disclosure?
    Braille Statements
    Account to account transfers- covered under Reg E?
    Date of Deposit Causes Reg D Violation
    Website - FDIC Logo
    Date of Deposit Causes Reg D Violation
    Sending Out Privacy Notices in Statements
    "Member FDIC" Statement
    Online Presence for Community Banks
    Compliance Issues for E- Statements
    Undeliverable Electronic Statements
    Sponsoring a Radio Ad - Member FDIC Required?
    Loan Message on Statement – EH Logo Required?
    Service Charges
    HELOC - Property in a Land Trust
    Reg D - Personal Statement Savings Accounts
    Negligent Customer Disputing Charges
    Small Bank CRA Statement
    Sign Up for E-Statements Here
    Requiring E-Statements
    Facsimile Signatures
    E-Statements Not Being Viewed
    Redelivery Of Returned E-Statements
    FDIC Logo
    Requiring e-statements on employee accounts
    E-statement Verification
    Bank Statement Returned Mail Compliance
    Paper Statements for E-statement Customers
    Periodic Statement Transaction Information
    Tiered System Overdraft Fee Disclosures
    Annual Escrow Analysis Notice
    Account Number on Hold Notices & Bank Statements
    CSDS Provided Prior to Closing?
    e statements
    Required Deposit Statement on the TIL
    New Customers - Returned Mail
    Reuse of Consent
    Statement Stuffer
    Privacy policy and Security Statement
    Yearly Savings Statement
    E-Statement Retention - Fed Rules
    Time Frame for Checking Statements
    Needs Help Understanding Statement
    Check 21 Disclosures
    Is Imaging Front of Check a Legal Copy of a Check?
    Can We Truncate Statement Account Numbers?
    House Logo Required on Statements?
    Written Statements and Reg E Errors
    Reg E - Notice In lieu of Periodic Statements
    Statements Via Internet Only
    Returned Statement Record Retention
    E-Statement Compliance
    Stubborn Customers & Their Financial Statements
    Posting the CRA Statement
    Checking/Savings Statements
    Reg E - Statement Enclosures
    eStatement Service
    Employee Statements Sent Via Email
    Reg DD - Properly Disclosing the Total Charges
    Former Signer Obtaining Account Statements
    E-statement Disclosures
    Customer Hasn't Checked Statement Since Nov 2005
    Do We Need to Re-disclose?
    Privacy Issues & Combined Statement
    Annual Financial Disclosure Statements
    Annual Privacy Notice on Deposit Statements
    Equal Housing Logo Requirements
    Regulatory Logos on Promotional Items
    Annual Mortgage History Statements
    Type Size Required on a Periodic Statement
    Required Website Disclosures
    Annual Financial Statement on Consumer Loan
    Customer Doesn't Want a Monthly Statement
    A Tip on Statement Stuffers
    Pull Method Rules for E-statements
    Financial Statement on Another Bank's Forms
    Customer Notification for Phone & Online Payments
    Escrow statement requirement
    Is a Monthly Statement Required on Open End?
    Indirect Lending Statements
    Aircraft as Collateral - UCC Financing Statement
    Statement Frequency
    Regulation Regarding Receipt of Deposit By Email
    Requiring IRS Subpoena on Information Not in SAR
    What Period Do Limited Transactions Cover?
    Monitoring Customer Electronic Statements
    Customers Need Paperless System Explanations
    Are Statements Required for Passbook Accounts?
    Statements for the Disabled
    Statements by E-Mail
    Is Account "Free" if We Charge for Images?
    How Much Can Privacy Statement Change w/o Notice?
    Auto Transfer Agreement & Access to a LOC
    Periodic Statements on Passbook Accounts with EFTs
    Test Drive Procedure on E-Statements
    Pros and Cons of E-Statements
    Online Banking: Is a paper statement required?
    Statement Requirements For Passbook Savings Account
    Record Retention & E-Statements
    Notification Requirements & Posting Periodic Statements On Web Site


    Statistics
    Statistics, Facts, & Such
    FTC Releases Updated ID Theft Stats
    Statistics, Facts, & Such
    Survey Reveals Banks Aren't Tapping Their Own Customers
    Statistics, Facts, & Such
    Statistics, Facts & Such
    Statistics, Facts, & Such
    Statistics, Facts & Such
    Statistics, Facts, & Such
    Statistics, Facts & Such
    STATISTICS, FACTS, & SUCH
    STATISTICS, FACTS, & SUCH
    Retail Banking Statistics
    Statistics, Facts & Such
    Statistics, Facts, & Such
    The Difference Between Girls and Boys...Online
    Computer Statistics And Losses


    Stale Dated Checks
    Point When Postal MO Becomes Stale Dated?
    Returning Stale Check to IRS
    Official Check Expiration
    Stale Date Debate
    Expired Stop Pay
    No "VOID AFTER" on Check – When is it Stale Dated?
    Expiration of Cashier’s Check?
    Right to Refuse Payment on Stale Dated Check?
    Replacement of Stale Dated Money Order
    Time Frame for Returning a Stale-dated Check
    Check Written in 2002 and Paid in 2007
    When is a Check Considered Stale Dated?
    How long are business checks "good"?
    Stale Dated Checks
    Stop Payment Request: To Ask or Not to Ask
    Stop Payment Expiration Date
    Do cashier's checks become stale dated?
    Stale-dated Check Definition
    Cashing Old (Very Old) Cashier's Checks
    Is the drawee bank liable for a stale dated check?
    At what point does an official check become stale?
    Status of Stale Dated/Post Dated Checks
    Banking Myths & Phantom Requirements: Myth of the "Dead" Check
    What is the time period for a check to be considered stale dated?
    Stale-dated Check Responsibility
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer


    Stop Payments
    90 Days Before New Draft Can Be Issued?
    Stop Payment on Check w/Incorrect $ Amount
    Stop Payment Over Phone-How Many Days to Sign?
    CU Place Stop Payment on CC Already Processed?
    Place Stop Payment on Official Check of Bank?
    Stop Payment on Telephone Authorized Transaction?
    Accept Stop Payment from Online Account?
    Place Stop Payment Morning After Check Processed?
    Keep Stop Payment Agreement On System Forever?
    Retention Schedule for Stop Payment Orders
    Place Stop Payment on Cashier's Check?
    Stop Payment Check Cleared Account-Liability
    Reasonable Amount of Time for Stop Payment
    How Does Converting Check (ACH) Relate to Stop Pay
    Remove ACH Stop Payment Early from System
    Rights to Not Accept Re-Presented Returned Check
    Customer's Signature on Stop Payment?
    Stop Payment Orders for Cashier's Checks
    How Long Does Stop Payment remain in Effect?
    Withdrawing a Stop Payment Request
    Cashier's Checks Stop Payment
    Stop Payment Form or Actual Reg?
    Responsibility for Stop Payment Paid
    Validity of Verbal Stop Payment
    Stop Payment on Check to Check Cashing Business
    Stop Payment Order - On and Off
    List a Reason on Stop Payments?
    Stop Pay - NSF Account
    Stop Pay on Preauthorized ACH Debit
    Return Check as a "Stop Pay?"
    Stop Pay by Signer
    Refusing a Stop Payment
    New NACHA Stop Pay Rule & Reg E
    Expired Stop Pay
    Check Paid on Old Stop Pay
    Verbal Disclosures on Phone Stop Pays
    Info Needed for a Stop Pay
    Stop Pays Subject to Reg E
    Signing a Stop Pay Made by Phone
    Placing a Stop Pay on a Converted Item
    Stop Pay Time Limit
    Stop Email & Paper Statements Per Customer Request
    Clarification on Paper & ACH Stop Payments Needed
    Stop Pay on Employee Benefits Cashier’s Check
    Stop Pay on Check to a Check Cashing Business
    ACH & Reg E
    How Long Does a Bank Have to Send Back Items?
    Stop Pay on a Post Dated Check?
    Early Cashing of a Post Dated Check
    Reg E - Stop Pays on Preauthorized Transfers
    Returning a Cleared Stop Pay Item
    Clarification on ACH Stop Pays & Revoking Payments
    Stop Pay on Checks Issued from Home Equity Product
    Stop Pay on Check Made Payable to Cash
    Signature Required on Phone Stop Pays?
    ACH Stop Payments
    Who Takes the Loss?
    Stop Pay Situation
    Stopping an ACH Insurance Debit
    Cashier's Check Returned Stop Pay - What Now?
    Stop Payment on a Memo-posted Check
    Cancelling a Stop Pay
    Stop Pay - Reason Required?
    Incorrect Check Number Given on Stop Pay
    Online Stop Pay - Signature Required?
    When is a Check Considered Stale Dated?
    Covering Personal Overdrafts from Business Account
    Verbal Stop Pay
    Internet Stop Pay Time Frame
    Stop Pay on NSF Item?
    Stop Pay on a Ripped Up Cashier's Check
    Stop Pay Dilemma
    EFT - Once and Future Stop Pays
    Stop Payment on an Official Check
    Valid Reasons for a Stop Payment on a Check?
    Is VOID like a Stop Payment?
    "Refusal to Pay" Fee?
    Contesting a Stopped Cashier's Check
    Online Stop Payment
    Stop Payment Orders - After the 6 Months
    Stop Pay - Collecting on Services Rendered
    Stop Payment on Interest Checks
    Customer Signature Required on ACH Affidavit Form
    Check and Deposit Issues (PDF)
    Forgery and Endorsement Issues (PDF)
    Problems in Dual Stop Payment Environment
    Stop Payment Orders for Up To 18 Months
    Preauthorized Check, Stop Payment, and Liability
    Stale check paid after stop expired
    Stop Payments on Money Orders
    Suit on Stopped Check
    Stop pay on cashier’s check: Who pays?
    Bill pay stop order
    SPOTLIGHT ON…Return Items, Part II
    Time Frame a Stop-Payment Order is Effective
    Stop Payment Abuse/Theft by Check
    Stop Payments on Bank-Issued Money Orders
    Streamlining Stop Payment
    Paying Checks After Death of Depositor
    Stop Payments on Payroll Check
    Stop Payment on a Loan Disbursement Check
    Applicable Rules to ACH Stop Payments
    Stop Payment on Bank Checks
    Stolen cashier's check
    STOP a Certified Check
    Stolen checks, two banks: Who pays?
    Communicating Stop Payment Length
    Why No Stop Pays on Cashier's Checks?
    What Does "Endorsement Cancelled" Mean?
    Non-expiring Stop Payments
    Stopping a Collection Item
    E-Stop Payment Requests
    Refusing Oral Stop Payment Orders
    Liability Waiver on Lost/Stolen Checks
    Two Forgery Issues: Stolen Check Affidavits & Using Images Instead of Originals
    Suspicious Activity & Stop Payments
    Avoiding Overdraft by Stopping Payment
    Oral Stop Payments and the UCC
    Taking Stop Payment Orders by Phone
    Customizing Language on Stop Payment Forms
    Stop Payment on NSF Check
    Stop Payment On Check Card Transactions?
    Stop Payment Expiration Date
    Placing A Stop Payment On A Cashier's Check
    Closing An Account
    Stop payment on official check
    Stop payment on bank expense checks?
    Risks Associated With Customers Placing Stop Payments Online
    Payment Stopped: Can payee issue ACH for the amount?
    Can We Stop Payment On An Official Check?
    Stopping Payment on a Cashier's Check
    Early Stop Payment On An Official Check
    Problems with automatic 6-month designation for stop payments?
    Can a stop payment be made after we accept the check for deposit?
    Can the remitter of an official check place a stop payment on it?
    Stop Payments On Official Bank Checks
    Stop Payment Order After The Check Has Been Presented For Collection?
    Endorsed Checks, Stop Payments, Late Return, and Liability
    The Check Was Paid Prior To The Stop Payment Order: Who's Responsible
    Stop Payment Fees For Revoked ACH Transaction
    Return Deadline for Stopped Payment Items
    Stupid Fee Tricks
    Signed Authorizations for Stop Payments
    Banking Myth: Can you stop payment on a check payable to cash?
    Extending Stop Payments More Than 6 Months
    Banking Myths & Phantom Requirements: Stop payments on checks payable to "Cash"
    Are there any reasons in which a stop payment cannot be placed?
    Stop Payment Reasons
    Setting the Clock on Stop Payments
    Reasons For Stop Payment
    Stop Payment Policy
    Stop Payment on a Money Order?
    Stop Payment on a Money Order?
    Stop Payment Requests by Email
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Question & Answer
    Quesiton & Answer
    Question & Answer


    Strategic Planning
    Strategic Planning for Technology
    How Are You Managing Technology Risk?
    Corporate Governance: Governing the Governors
    CRA & Small Bank Requirements
    Examiner Watch: Is your IT Plan Ready?
    Saving a Strategic Plan
    Planning a Strategic Plan?
    Planning CRA Strategically
    Strategic Plans for CRA?


    Stress
    After The Robbery
    Bravery In The Workplace How One Branch Coped
    Identify Your Sources Of Stress
    Learn To Relax
    Let's Get Stressed!!
    Stress, Stress, Stress, What Is Stress???
    EDITORIAL - "You Want Stress?…I'll Give You Stress !"
    Stress In Banking Occupational Hazard
    Don't Invite Stress Home For The Holidays!
    Handling The Difficult Customer
    Job Satisfaction…Then And Now
    On Building Roads And Walls…
    Overcoming The Demand To Absolutely, Totally, Please Everyone
    Stress In Banking
    Stress In Banking
    Stress In Banking HANDLING THE LOSS OF YOUR JOB
    Stress In Banking Hurry Sickness
    Stress In Banking Managing Stress
    Stress In Banking WORKAHOLIC...equals...STRESS
    What is Stress?


    Subpoenas
    Releasing Customer Records (Subpoena)
    Subpoena From Lawyer For Divorce
    Notification for Subpoena In Civil Proceeding   How to Comply w/ Different Types of Subpoenas
    Record Retention and Subpoena Requests
    Releasing Information Pursuant to a Subpoena
    Complying with a Subpoena Request
    Confirming Identities for Court Orders
    Law Suit Asks for Board's Minutes: Privacy Laws?
    Subpoena – Customer Notification
    Surveillance Video
    Turning Video Over to Police – Subpoena Required?
    IRS Requesting a Copy of a CTR
    Certificate of Compliance Guidance Needed
    Subpoena - Joint Account Holder Notification
    Filed SARS. IRS Wants Customer Back-up Info
    Police Department Requesting Customer's Statements
    Requiring IRS Subpoena on Information Not in SAR
    RFPA and Subpoenas
    Federal Subpoena for Business Customer Records
    Providing Police Information w/o Subpoena
    Narrowing the Scope Of A Subpoena
    Question & Answer


    Sub-Prime Lending
    Foreclosures and the effects of the subprime market
    Potential Sub-prime Lending Disaster
    Are Subprime Loans HMDA Reportable?
    Sub-Prime Lending: Agencies Propose to Collect Sub-Prime Loan Information
    Predatory Lending Practices Result in Large Settlement
    Do You Know What YOUR Loan Broker Is Doing?
    Does subprime lending only refer to real estate?
    Subprime Lending Guidance
    Fair Lending The Hazards of Sub-Prime Lending
    Credit Reporting A Pet Peeve from Hawke
    Mortgage Loans Hop On The TRAM


    Suspicious Activity
    Loan Proceeds Disbursed in Cashiers Checks-SAR?
    Compare % of SAR Filings With Other Banks?
    Dollar Limit on Thank You Gift for Loan Closing
    When to File a SAR
    Depositing by Piecemeal
    Reporting Insider Fraud
    Big Deposits: CTR or SAR?
    Questionable Deposits by Business
    Filing a SAR for Employee Theft
    When to File a SAR
    Two Individuals: Two Accounts: Two SARs?
    Posting the New Funds Availability Statements
    SAR Filing - Customer Sold Loan Collateral
    Suspicious Activity - Dollar Amount Trigger
    Willful Blindness
    SAR Filing – Who Makes the Call?
    CIP on Former/New Customer
    File a SAR?
    Outgoing Wire Transfer - Physical Address Required
    Form to Report Suspicious Activity to BSA Officer
    SAR Filing with FBI or Secret Service
    Customer Failed to Report Card as Lost or Stolen
    Business Transactions Via Personal Accounts
    Penalties for Not Filing SARs
    File a SAR on Levied/Garnished Customer?
    Check Kiting Case - SAR Reporting Time Frame
    Business Owner Cashing Employee Checks
    Are My Transactions "Suspicious Activity"?
    SAR & CTR Required?
    Purchase of Monetary Instrument Under $3000
    SAR'd Customer Eligible for a Phase II Exemption?
    Structuring - SAR Filing & Board Notification
    File SARs for Significant Cash Withdrawals?
    Suspicious Activity Account Closing Procedures
    File a SAR In Lieu of a CTR?
    Getting Around ID & SSN Requirments
    Car Sale Fraud, SAR Required?
    Customer Frequently Changes His Address
    SAR: Staff Member Disclosed Client Info to 3rd Party
    Loan was Denied. Do We Still File a SAR?
    External Auditors Reviewing SARS Filed in 2005
    If It is a Bad SSN, Do We File a SAR?
    SAR Reporting and Due Diligence
    SAR Confidentiality
    Special Terrorism Reporting Number
    FinCEN Guidance on SAR Filings
    Branch Robbery in Homeland Alert Times
    Origin of Requirement for SAR Reports to Board
    SARs on Nigerian Letters
    SARs Oops
    Noncustomer Purchase of Official Check
    Explaining Suspicious Activity
    How to file new SAR electronically?
    List Of "Tax Haven" Countries
    Identifying Suspicious Activity In Charitable Organizations
    YOU Tell 'em…No, YOU Tell 'em…


    Sweep Accounts
    Sweep Account - Reg D Violation?
    Sweep MMDA Transactions
    FDIC Insurance & Sweep Accounts
    Customer Notice Required on Sweeps?
    Commercial Customers - Interest Bearing Accounts
    Sweeping Funds - Avoiding Transfer Limitations
    Reg DD - We Only Offer ODP for Sweep Accounts
    Reg D Transfer Limits & Sweep Accounts
    DDAs Linked as Sweep Accounts for OD Protection
    Using A Statement Savings Account For A Sweep Vehicle
    Regulation D, Transfers Of Funds: Do sweeps count against the transaction limit?


    Sweepstakes
    After the Fact





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