Technology Tips for Managing Email Torrent Technology Planning Top Ten Trends Impacting Bank Technology for 2010 An Alternative to Current Image Technology Tech & Phishing Jargon What is Spear Phishing? ISO Independence BlackBerry Banking - Time Out Control Default Esignatures Unlawful Internet Gambling Enforcement Act Fire Proof File Cabinets Bank Employee Cell Phone Password Requirements Remote Deposit Endorsement Issues ATM Deposits - Weekly Balancing Merchant Capture Device - Reg D Transaction Limits IT Training Requirements "New" Keyless, Biometric Safe Deposit Access System Issuing an RFP for Risk Assessment Services Making Online Banking More Effective with Web 2.0. 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System Selection: Strategies for Success Growing Number of US Households Banking Online Managing Technology Risk When You Outsource Follow Simple Steps to Boost Internet Security Considerations When Choosing a Firewall Firewalls and Viruses: Are You Protected? Corporate Security Policy and Firewalls: How Are They Related? Logging Firewall Events
Hiding Web Pages from Prying Eyes Why Technology is Driving Change 9/11 IT Success Stories
Information Technology and Security Officer Responsibilities Server Backup Guidance In House Core Processing SNMP Network Vulnerability A Guide to Using Email Correspondence Windows XP - Secure? Sure. Make Change About Learning Auditing a Web Site for Problems Website Privacy Policy Are E-checks a Good Thing? Information Technology To Be Reviewed Examiner Watch: Is your IT Plan Ready? The Future For Smart Cards Check Retention Usability testing Software To Check Web Links Customer Email Policy Live Help Computer Intrusion ACH transactions Survive by adapting Hacker attackers Harness the Power of the Net Tech Jumble Technology Crossword Star-Wars Style Security Towards A Cashless Future A Patent to Watch IN THE NEWS - Opening and Closing Procedures by Remote Control New Tools to Handle Customer Information EDITORIAL - You Can Count On It Iris Recognition Finds Favor Biometrics In Banking Branch Security From Home Base IN THE NEWS - "Facing" The Criminals IN THE NEWS - Biometric Study Compares Systems IN THE NEWS - Imaging at the Point of Sale IN THE NEWS - New Wave Banking IN THE NEWS - Swiss Watch Transaction Star Wars Banking Bankers Will Need "The Force" Drive Through Gas Pumps Inkjet Printer Now Capable Of MICR What's Up The Pike? Banking from the Microwave, Theft Alarms for Wallets TechTalk TechTalk Telemarketing Telemarketing to Businesses Mail/Telemarketing Campaign - Gas Card Giveaway Cold Call Do's and Dont's Do Not Call Requirements - Dialing from Phone Book Do Not Call Number on the Telemarketing Script Do Not Call List: Summer's Hot Item! FTC's Telemarketing Fraud Cases Telephone Marketing Restrictions Telemarketing Sales Rule Information COMPLIANCE NOTES - Tell Customers How To Stop Telemarketers Question & Answer Telephone Applications Reg B Intent to Apply Jointly – Phone Application Credit Card Phone Apps & Schumer Box Disclosures Taking Phone Loan Applications - Compliance Issues Regulation Z - Phone Inquiries Must GMI be in Customer's Handwriting? Phone Applications and Joint Intent Credit Bureau Reports Without Written Permission FCRA & Telephone Applications Telephone Transactions Automated Telephone Banking Systems Phone Transfers from Corp to Personal Accounts Cell Phone Banking - Display FDIC & EH Logo Periodic Statement Transaction Information How Should I Count These Transfers? Returning an Unauthorized Telephone Check Business MMDA & Telephone Transfers Reg D - Telephone & Internet Loan Pay Transfers Disclosing Transfers, As Done or on Statements One-time Use Numbers Protect Against Fraud Reg D Telephone-Initiated Transfer Account Ownership and Telephone Transfers Transfers, Personal to Business, Different Owners Transfer of Business Funds to Personal Account Reg. E Applicability Confusion "Work-Arounds" on MMDA Transaction Limitations Call $$$ For Cash? Applications by Phone - Information Collection Reg D Limits & Check Withdrawal Phone Transactions Tellers Performing Transactions on DBA Accounts Best Practice for Filling Out Deposit Slips Teller Procedure for Questioning Checks Tax Refunds Issued on Bank Cards Teller Machine Validation Recommendations The Case Against Business Casual Cross-Channel Management Successful Training Techniques Reg D - Teller Counter Cash Withdrawals Paying Tellers a Referral Fee – RESPA Violation? Vault Operations Teller Cross Selling Training Teller Appreciation Week - 08 Cash Drawer Automation
SAR Reporting on Forced Balancing Teller Cash Drawer Rules & Regulations Personal Property of the Tellers Regulations for Teller & Vault Kitties Teller Window Signage Teller Transactions Per Hour Talkative Teller Teller Outage The Teller and the Two Party Check Bank's Procedure for Voiding a Cashier's Check Distance Between Entrance Doors & Teller Station Misquoted Usually the Last to Know Teller Appreciation Week Policy Prohibiting Cash Exchanges between Tellers Customer Absent During His Deposit I Changed My Mind Teller Banned from Banking Who is Responsible for Endorsement? Setoff at the Teller Window Marking Teller Currency "Invisibly" Faster Than A Speeding Head Teller… Sales on the Frontline Teller Excellence ... To be or not to be Sales on the Frontline His Moment of TV Fame Caught Him 10 Potentially Catastrophic Mistakes During Bank Robberies Teller Safety Issues Cash Drawer Sharing
Performing Surprise Audit on Teller Drawer Reviewing Unusual Activity in Employee Accounts
Seeking Supplies for Tellers
Teller Confirmation of MICR Routing Numbers
Average Number Of Teller Transactions Per Hour Displaying Teller's Names When Tellers Are Targeted -- Part II When Tellers Are Targeted -- Part I Dealing with Teller Shortages Teller Training: Forgeries & Counterfeit Currency Drive Up Alert EDITORIAL - "Her? Oh, she's just a teller…" IN THE NEWS - Counter Space! Credit Card Numbers On Checks Question & Answer Question & Answer WHAT DO OTHER BANKERS DO? - Remote Tellers Filthy Lucre Cashing Checks For Non-customers How Often?? Outstanding Tellers Question & Answer Question & Answer Tellers Will Still Be Around… WHAT DO OTHER BANKERS DO? - To Charge Or Not To Charge… Question & Answer ...But I've Seen Him In Here Before! Is This Signature Forged? Planes, Trains, and Automobiles Prove That Pass! Bankers' Magic Numbers-9 and 72 Temporary Financing HMDA and Temporary Financing Temporary Financing in HMDA Reporting Temporary Financing or Refinance? What is Temporary Financing Are loans to repair and resell considered temporary financing? RESPA and a Construction Loan
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Our Best Protection Against Terrorism Section 326: Where is the government list? Money-Laundering or Terrorism: What Are We Looking For? Being Ready for Bomb Threats Fabled Gold Coin Fights Terrorism Important information about traveling in the wake of the terrorist attacks CHILDREN'S REACTIONS TO CRISIS: HOW PARENTS CAN HELP Emergency Response Plans: A New Area of Emphasis for Employers Important Issurances Physical and Digital Threats to Financial Institutions in the Wake of the Terrorist Attacks Anthrax - Knowledge is Power Tips for Dealing with Suspicious Mail Anthrax Update Help Debunk Hoaxes and Rumors Thumbprint Program Is it Legal to Require a Thumb Print? Thumbprint Program Questions TILA Waiting Period for Hand Delivered Re-Disclosure Waiting Period for Hand Delivered Re-Disclosure Early Truth In Lending Disclosure (Construction) Modify Maturity and Extend Credit-New TIL? Divorce Couple Refinancing Home-HUD/TIL Fixing Incorrect TIL on Mortgage Loans Lender Signature Required for TIL?
GFE/Early Truth Disclosures for Land Investment? Early TIL Required for 12 Month Construction Only? Early TIL(GFE) Apply to Unimproved Lot Purchase? Credit Sale TIL or Standard TIL on Foreclosure? Using Old vs New GFE, TIL, HUD
Timing of Good Faith Estimate and TIL TIL on Residential Bond Loan Specifying Term on TILA Giving Unnecessary TIL Disclosure TIL Disclosures and Rescindable Transactions
Calculating TIL Reimbursement
What are Prepaid Finance Charges for HUD?
Payment for Real Estate Loans
Wait Periods for Refinancing
Showing PMI on a TIL
Second Home in Second State: Disclosable? Early Disclosures for Incomplete Application?
Changed Loan Amount: Redisclose TIL?
TIL Form for Repossessed Properties? Second Home and the HPML Rule Reimbursement of Costs for Right to Cancel HMPL Rules as they Apply to Renewals VSI Insurance on the Purchase of Insurance Disclosure Escrow Requirements for Manufactured Home Is Faxed Signature Acceptable for ETIL? TIL for Modified Loan? Two Properties, One Loan, Rescindable? Right of Rescission and Primary Residence Verbiage for Periodic Statement Redisclosing for Loan Modification Credit Report Fee a Finance Charge? Recission for a Construction Loan? New Disclosures for Higher Education Loans New GFE/TIL for Change in Loan? RESPA and TIL for Houseboat Loan? 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Reg Z - Statement Requirements HELOC Program Disclosure Early Disclosures - Dating the Signature List of Prepaid Finance Charge Fees on the TIL Escrow Payment Adjustments Home Loan Advertising Flood Determination Life of Loan Fee Disclosure Early TIL? - Property Isn't the Principal Dwelling Posting Credit Card Agreements on Bank's Website Rescission Violation - Rewrite Loan? Over 25 Acres of Property - Early TIL Required? Determining an HPML Home Improvement or One Year Construction Loan? HPML - Business Purpose Term Loan Four Owners - Who Gets the Disclosures? Loan Docs Borrower Must Sign HPMLs, Escrow & Hazard Insurance Section 35 Mortgages - Mandatory Escrow On Hold Phone Message Advertising a Fixed Rate Renewal Loan to an LLC - Consumer or Business? Original Application was Withdrawn Disclosing Principal & Interest Payment Deposits Reg. Z - Truth in Lending Modifying Maturing Balloon Loans Modifying Maturing Balloon Loans Interest Rate Lowered, Fee Charge - New Disclosure Do Both Spouses Sign the ROR at Closing? MDIA - Reg Z Temporary Financing Exemption Itemize Amounts on the TIL? MDIA – APR & the Word 'Varies' Credit CARD Act – 21 Day Payment Notice Reg Z & Escrow Payments Redisclose Improperly Disclosed Loan? Final TIL – Indicate Correct Interim Interest? New Reg Z Rules - Matured Loan Reg Z – Timing of Corrected Early Disclosures New Timing of TIL Amount Borrowed Changes – Redisclose? Final TIL on a HELOC New Reg Z Rules - What is an Application? 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Saturday a Business Day for GFE/TIL Disclosures? Reg Z - Definition of Consumer Reg Z and Filing Fees Rental Property Purchase - Final TIL Reg Z & Non-resident Aliens Home Equity Closed-end Loan Disclosures Undated Notice - 3 Year Right to Rescind? Rental Property Covered Under TIL? 50% Consumer, 50% Business - Does Reg Z Apply? Rescinding the Rescission Underdisclosed TIL Ag Loan or Home Loan? Correcting a Closing Fee Error Underdisclosed APR RESPA, TILA & Lot Loans Mandatory Early TIL Disclosure ARM Loan Error APR Calculation Formula OREO Property - Special TIL Floor and Ceiling Rate Disclosures Signed TIL Missing from Credit File Appraisal Fee Disclosure Reamortizing Loan Payments – New Disclosures? Land Purchase Loan - TIL Disclosure HELOC TIL Reimbursable Violation? HUD Fee Matching the TIL Fee Loan Extension - New TIL Disclosures Required? Loan Rescinded Due to TIL Violations Reg Z - Disclosing a Payment Schedule Construction Loan Disclosures GFE Required? APR Disclosure on Construction/Permanent Loans Early Disclosure Rules on Seconds Insurance Disclosures on Consumer Loan Graduated Payment or Variable Rate Ad? Overstating the Amount Financed Are These Fees Considered Finance Charges? When Does the New Rescission Period Begin? No Starting or Ending Date on the ROR Primary Residence Secured by a Commercial Property Readability Standards For "Clear and Conspicuous" Display Reg Z: Redisclose Prior to Consummation or Earlier? Ready Reserve Line of Credit Over-disclosing on the TIL Modifying an ARM Notice Of Right To Cancel - Not Required? Flood Premium Added to Loan - Revised TIL? Advertising APR Customer Revised Loan Request Early TIL Disclosure Question Early TIL on a Refinance Early TIL Section of the Regulation Reimbursable TIL Error Commercial/Residential Loan -- Consumer? Mortgage Applicants Causing Non-Compliance? Reg Z, Rescission and More (PDF) Calling for Back-up, Examiner is Challenging Bank Re-disclosure By Wholesale Mortgage Lender Curing Time for APR Disclosure Error on RE Loan Can Customer Rescind a ROR Given Unnecessarily Compliance in Unfamiliar Territory -- A Small Bank Do RESPA or TIL Cross This Bridge (Loan)? Timing of TIL Disclosure Understated Finance Charge and APR - Now What? Disclosed Too Early? - Jim Bedsole Construction Loans Regulation Z: Checking APRs Borrower Didn't Sign or Return Early Disclosures Who Are Americans? Reg. Z Reimbursement Letter TIL Retention Early Disclosures for Bridge Loans Early Disclosures for Bridge Loans Early Disclosure Wrong, Closing Correct, What Now Seller-Paid Costs and Truth in Lending Acceptable Margin of Error in TIL Disclosure HMDA high-cost triggers Proving Early Disclosures Were Made What Fees are Marked as Prepaid? Underdisclosed PMI -- What Remedies? Consumer vs. Business Purpose Loans Are Inspection Fees Finance Charges Balloon Loan Disclosures Developing new disclosures Purchased loans & rescission problems If the bank pays the fees, are they still finance charges? Setoff Rules Application of Rescission to Business HELOCs ARMs & Rate Spreads Disclosing Tiered Prepayment Penalties Timing of CHARM Disclosure Do Only Borrowers Have Rescission Rights? Construction Loan Term Limits Does PMI require a Rescission Balancing Fees Between TIL and HUD-1 Disclosures Reg. Z Disclosures Exemption Rescission on Interest and Fees Reg. Z Ad Triggering Terms High Cost Mortgages: The Unsimplification of Truth in Lending Redoing Early Disclosures for Changed Loan Amount Early Disclosures on Refinance by Same Lender Exercising Rescission on Saturday Selecting Correct HOEPA Index Rescission, No New Money Internal Appraisal Fees=Finance Charges Advancing Loan Disclosures Balloon Renewal Disclosures Fees Under Section 32 of Reg Z TILA Reimbursement Tolerance
HOEPA - Rescission Waiting Period
Open End Credit Fee Income APR Calculation on a Demand Loan RESPA on a Home-Farm Loan Counting Saturdays for ROR on Home Equity Loans Changing Rate on Balloon Loan Home As Collateral for Business Loan HOEPA and Balloon Payment Provisions TIL Disclosures on Unsecured Loans "Buying Your Home" Brochure Disclosure List of Finance Charges Effect of Acreage Size on Recission Right Is a Trust a Person? Retention Period on Home Equity Loan Files Documenting Declined Insurance Counting Days for Rescission Purposes
Counting Rescission Days
Rolling the Closing Costs into Loan Amount Advertising Construction Loans Double Interest During Rescission Period Right of Rescission Is Another ROR Necessary? Timing on HOEPA Disclosures
HOEPA Disclosure Timing Recission Rights Upon Modification Rescission When Owner Is Not Borrower Classification of Doc Prep Fees Guru Chatter on HMDA/HOEPA Failure to Disclose Odd Days Interest Rescission on HELOCs Disclosures on HELOC to Purchase Home
RESPA and HELOCs Changing Credit Limit on HELOC Rescission Rights on Collateral Swap UCC Recording Fee Treatment Under Reg Z Complying with HOEPA Funding Loan After Borrower Rescinds Obligation to Fund Loan Early TIL Disclosures on Refinance Date Used in Calculating the APR Signed TIL Disclosure Required? Dating a Rescindable Loan Right of Rescission on HELOC? Early TIL on Home Equity Line? Financing Both the Old Home and New Home Fee for Verifying Tax Records ROR on a Construction Loan Time Restriction Before Refinance Can Occur APR Calculation on a Construction Loan Proper HUD-1 and GFE Completion Variable Rates on Consumer Construction
Rescission in Mixed Loan Joint Closing
APR Affected by Escrow Fee? APR Accuracy Finance Charges & Construction Loan Inspection Fees Predatory Lending: Lessons Learned Retention Period for Paid Off Loans
Bridge Loan Disclosures
Days Before Funding on Home Improvement
Saturday and HOEPA "Customization" of HELOCs When Must APR Be Disclosed Buy Down Program Disclosures
Cross-collateralization clauses Decimal Positions Required Finance Charge Disclosing life of loan determination fees on TIL disclosures Getting Started with Open End Credit Renting, Then Owning
Looking for a Reg Z Flowchart Settlement Fees - Attorney vs. Settlement Company HOEPA Disclosures & Closed-end Home Equity Loans Reg Z: Consumer vs. Commercial Loan Home Improvements, New Improvements, and HMDA Reporting What is HOEPA?
Rescission: Disbursing Funds Without Signature Early TIL for "To Be Determined" Purchase TIL Disclosure: Required Deposit & Demand Feature TIL Disclosures for Loans to Trust Can we Add NSF Check Amount to Loan Balance? Is a mobile home loan rescindable? ARM (LIBOR) Interest-only Loan Calculation ROR Calculation When Branch Is Open On Sunday TIL & Rate Lock Fees
Does ROR Apply To Each Co-Owner? Disclosures To Mortgage Co-signers? TIL Disclosure Tolerance For Errors? Advertising APR
Mortgage Notices: Late Charges & Due Date Disclosures: Construction & Permanent Financing Disclosure Requirements: Mortgage Rate Tied To DDA Balance Required Fees Listed On TIL Disclosure New loan numbers for customers who reapply Required Signatures On TIL? What is the TIL Definition Of A Credit Sale?
Does Truth In Lending apply when a consumer is purchasing a second home? Bank Liability in the News Regulations: Defining Application Documentation: Revocable Trusts & Real Estate Can we offer extensions/deferrals on open end lines of credit? Reg Z and Sec. 32: Is a courier fee "always" a Sec. 32 charge? Early TIL Disclosures & ARM Loans Loan Document Preparation Fee Issues Loan Modification & New Disclosures TIL Requirement For Investment Properties Or Second Mortgages Confusion Over The New TIL For High Cost Mortgages TIL: Counting The Days Restitution, Reg Z, and Early TIL Disclosure If we show an item as POC on the GFE, should we also list it on the TIL? Fair Lending Act & TILA Changes TIL Disclosure Requirements Consumer Loans, Investment Loans, and TIL Designing Test Programs For Reg Z, TIL, and RESPA Guaranteed Mortgage Rates & Fees EARLY TIL on a Construction Loan TIL & HUD-1 Tolerances Failing to Make Early Disclosures TIL Disclosure on Financings of Repos TIL Disclosure Font Size Is a TIL Disclosure Required? Date Finance Charge Begins TIL Disclosure Requirements TIL Disclosure and the Demand Feature TIL Disclosures TILA Jumble Is Reimbursement Required? Interest-only mortgage payments Question & Answer Question & Answer Question & Answer Placing Hopes on HOEPA New Numbers for HOEPA Another Bad Reg Z Case! HOEPA Compliance Question & Answer Question & Answer Truth in Lending Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer EDITORIAL - Legislating Intelligence Reg Z - Should We Make The Schumer Box More So? Common Violations - Open-End Credit and Regulation Z Question & Answer Question & Answer Question & Answer FRB Publishes Final Z Commentary Update Question & Answer COMPLIANCE NOTES - FRB Revises ARM Brochure Question & Answer COMPLIANCE NOTES - TIL Reimbursement Classics Question & Answer COMPLIANCE NOTES - FRB Raises High Cost Loan Cut-Off Regulation Z Commentary Proposal Released Question & Answer Question & Answer What's Ahead In Compliance Truth in Lending Question & Answer Question & Answer Question & Answer Question & Answer Significant Residential Mortgage Issues for 1999 Question & Answer Question & Answer COMPLIANCE NOTES - Answers on TIL Enforcement Policy Guide TIL - Truth in Lending Does Not Improve With Age COMPLIANCE NOTES - $424 becomes $435 Reg Z Final Commentary For Regulation Z Question & Answer COMPLIANCE NOTES - FRB Updates High-Cost Mortgage Trigger Truth in Lending Threatening Clouds Over TIL The Commentary Proposal Is Out There More On the New Compliance World Question & Answer Question & Answer Unsimplification Continues: More changes to Regulation Z Question & Answer Truth in Lending Making Regs and Products Work Open End Credit Fee Income Truth in Lending Errors Mortgage Loan Disclosures Truth in Lending FRB Hearings on TIL Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer Question & Answer ARM Programs Can Bid Farewell To Historical Examples Question & Answer Proposed Commentary To Regulation Z Reg Z Commentary Something Old, Something New Truth in Lending PMI, Truth in Lending, and Restitution Question & Answer Broker Fees: There's More Than One Wayto Skin A Regulation Merging Reg Z and RESPA TILA, RESPA, and Simplification? High Cost Mortgages: The Unsimplification of Truth in Lending Avoiding Compliance Traps TIL Amendments: Fixing "Rodash" and other problems The Regulation Z Commentary Update is Out! Final Commentary on Truth in Lending High Cost Mortgages: The Commentary More Regulation Z: Proposed Amendments High Cost Mortgages: Points And Fees Are More Than Finance Charge HIGH COST MORTGAGE TEST CHECKLIST Odd Days Can Be Interesting COMPLIANCE NOTES - Credit Life and the Finance Charge Rule Question & Answer Question & Answer Truth in Lending: Changes To Regulation Z Truth In Lending: The New Finance Charge Truth In Lending: Debt Cancellation Fees & Gap Tolerances: Some New Safety Zones Extra Odd Days Question & Answer Truth In Lending: "Certain" Security Interest Charges Finance Charge Ins and Outs Proposal To Update Regulation Z Commentary When and What: Coverage Rules for Lending Regulations: Regulation Z New High Cost Mortgage Trigger Truth In Lending - When A Business Day Is/Isn't A Business Day Question & Answer Question & Answer Truth in Lending Sample Comment Letter Truth in Savings, Truth in Lending: Only Minor Changes The New "Burden Relief" Banking Act TIN Identification of Taxpayer (Levies and FI) Opening Accounts with Another's TIN Do PACs Need an EIN? About Tax ID Numbers CPA Says SSN Okay for LLC Setting Up an Account for a Canadian Resident Account Change IOLTA Account – Titling & CIP Info CTR on Family Trust Account Sole Prop NOW Account - TIN Instead of SSN? CTR Returned Partnership Reporting Sole Member LLC – Account Titling Miller Trust – SSN or TIN? Correct CTR Completion for SMLLC Estate Account – TIN or Deceased SSN? Trust Account Styling CIP on an Irrevocable Trust CTR Reporting – IOLTA Accounts CTR on Non-Resident Alien – TIN Required? CTR on Spousal Sole Proprietorship Account New Corporate Owners Keeping Same Federal Tax ID Bank Execution Against an Individual Irrevocable Trust - Use TIN or SSN? Exempting Once & Future Transactions Foreign Account Holder - No TIN Phase II Exemption - Same Owners, Different TIN File an Amended Designation of Exemption? Two Separate LLCs, Same Owner & Same EIN TIN, Please U.S .Treasury Checks - Personal Endorsements W-8 Certificate Filing Frequency Non-interest Bearing Estate Account Getting Around ID & SSN Requirments Living Trust.. SSN or EIN? Memorial Fund Account Tax Issues Same TAX ID Number - 2 Different DBAs Do We File a New Designation of Exemption? CTR: Aggregating the Deposits from Two Businesses OFAC, IOLTAs & Non-Customer Beneficiary Tax ID# Listing TIN on Face of Note Sufficient Information for CIP on Revocable Trust Do We File Two Designation of Exemption Forms? Phase 1 Exempt Business Going Thru Reorganization Automatically Exempting Customers w/ the Same TIN Combining the TIN Certification New Accounts: Guidelines for Non-profit Accounts New W-9 for Account Owner Switch TIN for a Burial Trust Account Corporate Definitions TINs for Estates Updating a W8-BEN Time deposit accounts for non-resident aliens Estate Set-up with TINs Requirements for Signature Cards Proper TIN for LLC
Why Require a TIN for an Irrevocable Trust?
Guru Chatter on Interest Reporting Tax Levy Goof? CIP and Business Customer TINs W-8Ben Customer's Joint Account Is a W9 required for a commercial loan? Does a W-8 BEN expire?
BSA TIN Requirement & Religious Beliefs Exempting A Customer With Multiple Locations & EINs Non-Resident Signer With No SSN Opening Account for Non-Resident Alien Must An Executor/Executrix Obtain a Tax ID Number? Can An Estate Have A NOW Account? LLC Accounts: SSN or TIN? CD Renewals: Do we need to certify the TIN again? Account Styling: SSN or TIN for DDA in individual name, DBA as company? LLC: TIN or SSN? TIN Requirements For Nonprofit Organizations Fundraising/Donation Accounts Foreclosure Sale Accounts and TINs Campaign Fund Accounts: Candidate's SSN or TIN? Resident Aliens, Non-Interest Accounts, and W8-BENs
Removing The TIN From Periodic Statements Verifying SSNs & TINs Verifying Corporate Tax ID Numbers Can a personal representative of an estate use their tax id number on an interest bearing estate account? Using SSN As TIN For A Irrevocable Living Trust?
TIN Compliance For Canadians Opening An Account For A Non-Resident Alien - Without A TIN Opening a Business Account Pre-TIN Is there a federal requirement that banks must have Tax ID numbers on all accounts? One Tax ID, Multiple Accounts, and a CTR TIN Certification With No SSN? Changing Commercial Account Number and TIN SSN or TIN for LLC Objections to TIN Requirements Requiring Estate Account TINs TIN Certification on Loans? New TIN Certification Requirement TISA Excessive Withdrawal Fee Rule (TISA)
Fees could reduce earnings
Rate may change after the account is opened
Changing from Free Checking to Classic Checking Notice Required for Changing Account Term? Saying Annual Percentage Yield Problem with Date Fields Non-compliance with Two Decimal Points Is TIS Required for an IRA? Student Account Marketing State Annual Percentage Yield in a Footnote Bump-up Rate CD Reg. DD - Truth in Savings Radio Ads under 30 Seconds-Reg DD Update TIS Disclosures to be in Compliance? Reg D Change - Updated TISA Disclosures Dollar Amount Tolerance on Interest Payment Vacant Property as Collateral - TIL Disclosure TISA - Business Accounts Reg DD Changes? TISA Disclosures Reg D - Teller Counter Cash Withdrawals Statement Considered an Advertisement? Bridge Loan Extension- Early Disclosures Required? Reg DD - Posting Fee Change in Branch Lobbies OD Fee Disclosures - Changing Order of Items Paid Providing TISA Disclosures for Account Services Click Here Link Gift Cards- disclosing fees on advertising Outdoor Letter Board Advertising Guidance Transfers Subject to Reg D Transfer Limitation Trigger Term Lapel Pins? Quoting CD Rates Over the Phone or in Person What Becomes of Matured CDs? Reg DD - We Only Offer ODP for Sweep Accounts No ODP. Still Disclose the OD & NSF Fees? Readability Standards For "Clear and Conspicuous" Display Is OD Privilege Signage Required on ATMs? TISA New Account Disclosure Error TISA Rules for Automatically Renewable CDs Change from MMA to NOW, Keep MMA Acct Number? Give Aways and Drawings
Contract Specified No Additional Deposits to CD Restrictions on "Free" Business Checking Accounts Regulations Applicable to Business Saving Accounts Required disclosures for new accounts Disclosing Transaction Limitation Due to CIP Documenting Truth in Savings Compliance Fee Disclosed, But Never Imposed Changes to IRA Accounts Disclosing Fee Changes Check 21 to Improve Efficiency in Processing Statement Disclosure Requirements Disclosing Miscellaneous Fees Disclosures Required with ODP Product Changing Deposit-Related Fees Opening Accounts by Phone Disclosing APY for CDs Triggering terms & disclosures Reg DD disclosures for Christmas Club Accounts Overriding lending policy Understanding "Change in Terms" Notice for Time Accounts When to Send Maturity Notices? Value Limit On Gifts Given For Accounts Charging Bad Address Accounts A "Service Fee" TISA Disclosure Language For Long-Term CDs TISA: Change in terms prematurity notice Overdraft Protection Fees Truth In Savings Disclosures for Renewable CDs Truth in Savings Disclosures For Renewable CDs TIS Obligations and Restitution Question & Answer Question & Answer Question & Answer What's Ahead In Compliance Regulations CC, DD, and Beyond COMPLIANCE NOTES - It's Final: Regulation DD Change COMPLIANCE NOTES - Regulation DD: Changes to Lobby Signs and Disclosures Question & Answer Question & Answer Truth in Savings, Truth in Lending: Only Minor Changes Trouble Spots in Deposit Regulations Title Insurance Rules on Owner's Title Insurance Title Company Regulations RESPA - Prospect List Provided by Title Company Taking a Deed of Trust as an Abundance of Caution HUD-1, Disclosing Costs vs. Coverage Bank-Owned Title Company & RESPA Required Title Insurance Disclosures Tools Banker Tool Page AML Tool Page CIP Tool Page The FACT Act/FCRA Tool Page HMDA Heaven Tool Page Compliance Tools Lender Tools Operational Accessories Tools Policies, Procedures, Position Descriptions Security Power Tools Training Aids Annual Security Report In Search of a Real Estate Loan Spreadsheet Robbery Deterrent Signs Affirmative Action Plan Checklist New Hire Training PPT presentation from Guru Hussam Al-Abed on the latest phishing scam Reg CC Resources BSA Exam Questionnaire Employee Guide to Information Security eBanking Audit Program Internal Audit Manual for Small Banks Reg CC PowerPoint Presentation BOL's STEAL OF FORTUNE game Checklist for Image Exchange Solutions HMDA Tools Finding a Real Estate Matrix Security officer liability Searching for the Reg Z Commentary Looking for a Reg Z Flowchart Section 314(a) Records Requests
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Spotlight On…Claims What is Risk? Supporting Low-Income Youth Certification or School for Trainers BSA Training for Trust Area BSA Training Is For Everyone! Detecting Counterfeit Currency Recommended Initial Training Covering Required Training Subjects Determining the validity of ID Is Info Security Training an Annual Affair? Financial Education Site BSA Training Requirements Is Compliance Training Important? Monthly security meeting topics Training Employees To Help With Elder Fraud Sexual harassment: a risk that should not be ignored Our Best Protection Against Terrorism Engineering a Successful Sales Culture Ongoing privacy training Teller Excellence ... To be or not to be Your Safety and the "Not Me" Illness Printing Mailing Bar Codes on Your Envelopes Tech Advice: Two Timesaving Tips Conflicts, Problems Could Be Helped with Solutions from Mediation Work Our Best Protection Against Terrorism Looking for Beginning Compliance Courses Examples of Recognizing Suspicious Activities
Improve Loan Production During Rising Rates 10 Potentially Catastrophic Mistakes During Bank Robberies Make Your Windows Desktop Truly Your Desktop Grab a Group of Files Mandatory Training Privacy Training Dragging and dropping text within a document Using Copies of Money for Training Where Should a Newbie Compliance Officer Start?
Selecting Text Quick Printing The Toggle Shortcut "Lobbying" For New Business Using Actual Video Of Robbery In Training Session Proven Ways To Improve Your Bank’s Sales Culture In 30 Days! Security Training Not A Joke Mock Robbery "Skits"
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EDITORIAL - Tomorrow Is Here Mock Robberies: Don't Do Them! "…Initial And Periodic Training…" EDITORIAL - A Certain Kind Of Person… EDITORIAL - From the editor's desk… Keep Communications Open COMPLIANCE NOTES - Regular Training Required FDIC Wins Praise For Its "Road-show" WHAT DO OTHER BANKERS DO? - Supermarket Branch Work-Tough Job Transfers Small Bank Exclusion for Pre-Authorized Transfers A Case of 'Tapping' Peter to Pay Paul Business Money Market Account Activity Third Reg D Transfer Violation Online Transfers between Personal/Business Account Sweep MMDA Transactions Reg D Change – Effective Date Reg D Transfer Limitation Query Director Authorized Account Transfers Transfer Limit Change – Apply to Savings & MMAs? Reg D Change - Updated TISA Disclosures Reg D Change for CUs and Banks? Complying with the Reg D Change Reg D Change for CUs and Banks? Reg O Q & A Follow Up Reg D Transfer Limit Change Savings Account - Quarterly Transactions Reg D - Transfer Violations Differences Between EFT & Wire Transfers Mobile Branch Account Transfers Bogus Reg E Claim Customer Failed to Report Card as Lost or Stolen Daily Monitoring System for Excessive Transactions Reg D – Allowing More than Six Withdrawals Guru Followup Question - Is it Service or Savings? Phone Transfers from Corp to Personal Accounts IRA Transfer - Early Withdrawal Penalty Reg E - Wires Reg D – Internal Transfer Loan Payments Stolen Card Registered on Verified by Visa Checking Account to Checking Account OD Protection Reg E & Unauthorized ACH Transfers Banned from Opening MMA/Savings Account? Account to account transfers- covered under Reg E? Reg D - Close Account Due to Excessive OD Activity Reg D - Funds Transfer Within Accounts at Bank Spotting Kiting on Wire Transfers HSA Accounts & Reg D Transfer Limitations Stolen Debit Card - Customer Liable for the $50? Reg D Limits - One Owner Multiple MMDAs ACH Debits - Three or Six Limit? Waive Wire Transfer Fee - Reg O Violation? Reg E - Stop Pays on Preauthorized Transfers Western Union Transfer Subject to Reg D Limits Merchant Capture Device - Reg D Transaction Limits Communicating with MMDA Customers Internal Transfers - Reg D Limitations Personal Account to Business Account Auto OD Wire Transfer - CTR Required? Reg D Withdrawal Limits Violation Reg D - Business MMDA Checks Made Out to Signers In Person Debit Transaction - Transfer Limitations Transferring HELOC Funds into Checking Account Transfers at Another Bank's ATM MMA - Transfers Between Accounts Transfers Subject to Reg D Transfer Limitation Reg D - Notices of Excessive Transactions Reg D Transfer Limitation Confusion Reg D - Checks Payable to Third Parties Reg D Account Reserve Issues Regular/Youth Savings & Transfer Limitations Savings Accts Reclassified as Transaction Accounts OFAC Check on All Parties in a Wire Transfer? Reg D Transfer & Withdrawal Limitations Letter How Should I Count These Transfers? ATM Withdrawals - Limited or Not? Notification of Excessive Transfers Reg D - Savings Transfers & Withdrawal in Person Reg D & Internet Transfers Helping Customer Resolve Stolen ATM Card Issue Reg D - Corporate Sweep Account Montoring IOLTA Payments & Transfers Business MMDA & Telephone Transfers Customer's Negligence Voids Zero Liability? Excessive Transactions - Charging a Fee Who Pays for this Error? Charged Back Check Count as 1 of the 6 Transfer/Withdrawals Limitations? Internet Banking and the Six Transaction Limit
Exceeding Transfer Limits on Savings Accounts Real Time Money Transfers Wire transfers to account not owned by recipient Reg D Telephone-Initiated Transfer Reversal requests on transfers Missing Indorsement on ATM Deposits Loan Interest Rate Discount for Automatic Tran Filing the Correct Report for Mysterious Debit Account Ownership and Telephone Transfers Recrediting account of fraud suspect Are Credit Unions Subject to Regulation E? Transfers, Personal to Business, Different Owners $50 for Direct Deposit & Funds Transfer ACH Fines for Unauthorized Transfers Wire Transfer Via On-Line Banking Changing on-us check deposits to transfers Reg. E Applicability Confusion Statement Disclosure Requirements Three Strikes Rule for Excessive Transactions Online Banking Transfer Limits Linking Overdraft Protection To Business DDA Accounts With Automatic Transfers Funds Transfer: Are customer e-mail instructions valid? Receipts For Voice Response Transfers
Transfers From Business Accounts To Personal Accounts Transfer Restrictions Electronic Transfers Between Business & Personal Accounts Travel Rule Important Exception to BSA Rule Extended Travel Rule - Complete Beneficiaries' Addresses Traveler's Checks Cashing Non-Customer AMEX Traveler's Checks Reg CC & Traveler's Checks Investigating Missing Traveler's Checks Purchasing Traveler's Checks Holds on Traveler's Checks OFAC and Traveler's Checks Sales Trust Accounts Can Spouse Change a Revocable Living Trust? Trust Certification Required to be Notarized? Rules for Loan on a Principle Dwelling to a Trust Open Trust Account if Trustor Passed Away? Allowed to Add Convenience Signer to Living Trust? Can a POA Act for Trustee on a Trust Account? Trust Signers Besides Trustees/Successor Trustees Family Survivor Trust-Appointing Attorney Trust Account have to be Business Account? Reconcile Bank Statement for Resident Trust Acct. Closed Checking Account- Check Payable to Trust? Revocation in Will Override Beneficiary? Tax ID # for Establishing an Irrevocable Trust Debit Card for Trustee on Revocable Trust Account Documents for LLC Business to Open Trust Account IRA Put Into Trust Name? Levy on an "In Trust With" Account Title A Revocable Trust-Act Separately or Act Together? POA Sign for a Trustee of a Trust? Documentation for "FBO" Changing Trust Account from SSN to TIN Definition of "Dynasty Trust"
Adding Signer to Revocable Trust Irrevocable Asset Trust Agreement - EIN or SSN? Revocable Pre-Paid Burial Accounts Properties Held in Trust Negotiating an item payable to a trust/trustee Changes to Trust Upon Death of Grantor/Settlor Credit Shelter Trust Inter-Vivos Trust Trustee Account Responsibilities Trust Account Agreement Joint Checking Account Conversion to Trust Trust under a Will Account Check Payable to Individual in Trust Account? Who has Access to Irrevocable Special Needs Trust Can Successor Trustee Use Old TIN?
Garnishing from a Trust?
Changing Joint Account to Trust
Tax Levy on a Trust Account
Switching from Joint Account to Living Trust
Opening Accounts in Trust's Name
Joint Accounts or Trusts?
Can a Trust Open a Checking/Savings Account?
Can a Non-profit be a Trustee?
Custodians on Minor's Account Changing Joint Account into a Trust Checking Account for Funeral Home Depositing Trust Checks in an LLC Account? Customer wants Bank to Stop Paying Interest Trust Check into Joint Personal Account? Fiduciary Accounts and Debit Cards Opening a Trust Cashing Checks Against a Trust Account Documentation Needed for ITF Account Trustee wants to Establish Estate Account Can a Trust Own a Safe Deposit Box? Explain Trustee's Signature Trust and LLC with a DBA? Closing a Living Trust Death of Trust Owner - Set Up Estate Account? Signer on a Trust Owned Checking Account Safe Deposit Box in a Family Trust Informal Trusts - Equal Shares Unless Noted? SS Direct Deposit into Trust Account Successor Trustees Accessing Safe Deposit Box Nursing Home Resident Trust Account CTR on Family Trust Account CTR on a Trust Account Lottery Trust Account Issuing Debit Cards to Trustees POA Acting as Trustee of Trust Surviving Grantor Amending Trust? Trust Account Styling CIP on an Irrevocable Trust Trust is Not a "Natural Person"? Trust Check Deposited into Personal Account Home Equity Loan to a Trust Real Estate Lending & Trusts Trust Checking Account – Non-trustee Signer Restyling Revocable Trust After Spouse Dies Reg Z - Lot Loan to a Family Trust Revocable Living Trust & HMDA LAR Reporting Patriot Act Forms & Living Trusts CIP for Irrevocable Trust CTR - Attorney State Bar Client Trust Account Trust Account Convenience Signer Opening a Living Trust Account with an SSN Reinstating a Trustee Trustee Depositing Check into Personal Account Levy on an Individual and Trust Accounts Definition of Child's Trust Make Cashier's Check Payable to Customer or Trust? Include Beneficiary on the CTR? PODs on CDs in a Trust ROR on Second Trust Deed HELOC Loan Miller Trust Account Irrevocable Trust - Use TIN or SSN? HELOC - Property in a Land Trust Paying Funeral Expenses from Revocable Trust DBA Set Up as a Trust Account CD Titled in a Trust - Early Withdrawal Penalty Safe Deposit Boxes & Trust Reg E Applicable to HSA Debit Cards? Deposit of Decedent Check into Trust Trust Account - Authorized Signer Documentation Family Trust - POA’s Authority POA on a Revocable Trust Account CD Retitled into Living Trust, Withdrawal Penalty? ROR on Loan to a Trust Totten Trust - Funds Go to Guardian or Beneficiary Deposit Check Payable to Trust in Personal Account ITF & POD Beneficiary Designation W-9 on a Mortuary Trust Account Testamentary Trust Revocable Trust - Legality of Notarized Changes What's the Difference Between a Totten Trust & POD Styling a Personal Trust to Include a Corporation Living Trust.. SSN or EIN? Do We CIP the Owner or the Attorney? Trust & Investment Products In The Same Ad Totten Trust Accounts FBO Accounts Trusts and Checks Payable to Estate of Deceased Prepaid funeral trusts and CIP Sufficient Information for CIP on Revocable Trust Styling Business Account Owned by Trust Reg E - Debit Card for Trustees of Living Trust Opening an Account for a Deceased Person Retention of Trust Account Files After Closing Definition of "Estate Account" Who is the Owner of a Living Trust Account? Signers on Trust Accounts Rescission on 3rd Deed of Trust? BSA Training for Trust Area Tax Impact of Donations to an UTMA Trust Family Trust as Beneficiary? What is a "Coogan" account? Are irrevocable trusts covered by FDIC deposit insurance? Looking for a primer on trusts TIN for a Burial Trust Account Can this Trustee Resign? Change of beneficiary on ITF account DBA Account Ownership Appointing A POA To A Living Trust Signer on a Trust Account HMDA Borrower is a Trust Authorized Signers on Trust Accounts Estate Set-up with TINs Action After Trustor Dies Ordering Checks for a Revocable Trust Using Testimonials in Trust Marketing
Owning Accounts After Death of Depositor
Why Require a TIN for an Irrevocable Trust?
CIP and Security Deposit Accounts Depositing a Trust Check Into Individual Account Leasing a safe deposit box to a trust Classification of Trust Account CIP and Trust Customers
Convenience Signers on Trust Accounts Liability for trust deposits into personal account Joint Trust Ownership of Safe Deposit Box
Requiring "Trustee" After Signature Revocable Trust Documentation Trust & Investment Products In The Same Ad Identification of Totten Trust Beneficiaries FDIC Coverage For Irrevocable Trust Account Can an estate or trust have a NOW account? Are living/family trusts eligible for NOW accounts? CIP ID If Institution Is Corporate Fiduciary? Cashing Living Trust Account Checks Should Trustee Always Include "Trustee" After Signature? Can a Totten Trust trustee give POA for transaction authority? How should a signature card read when opening a trust account? Documentation: Revocable Trusts & Real Estate Renters' Security Deposit Trust Accounts Revocable Trust as Beneficiary: What documents do we need? Can a trust be garnished (if the customer's SSN is used)? Can a revocable trust created by a trust document establish a D/B/A account? Timely Distribution of a Revocable Trust Account Opening Trust Accounts For Existing Customers
Who should you make a bank cashier's check payable to upon the death of the trustee? Handling Trust and Non-Trust Accounts When The Accountholder Dies Can a revocable trust account be opened using a deceased person's SSN? Grantor Trusts & SSNs The Maker Of The Trust Died: What are the consequences? Fiduciary Rights & Trust For Grandchildren Trust Accounts & Power Of Attorney How a Pour Over Will and Trust Work Together Revocable vs. Irrevocable Trusts Two Irrevocable Trusts, One Joint Checking Account? Insurance Of Revocable Trusts What is the difference between a Grantor Trust and a Revocable Trust? Trust Funds For Minors: Any limit on restrictions? Joint Trust Account Question & Answer
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