Compliance Action, Volume 20, Number 9

Flood Tide Rising (5 Action Steps)

by Patti Blenden

The Agencies have published joint final regulations applicable to loans secured by properties located in special flood hazard areas.

Compliance Management: Lines of Defense (3 Action Steps)

The "three lines of defense" in risk management discussed at ABA's 2015 Regulatory Compliance Conference is not a new concept; its the key elements of any healthy compliance program.

Action Training
Sandbags to Strengthen Your Flood Insurance Program (Charts)

by Patti Blenden

When Making, Increasing, Renewing, or Extending (MIRE) loans on properties located in special flood hazard areas, be aware of some triggering events that activate critical bank and servicer responsibilities.

Compliance Notes

• Loan-to-Deposit Ratios
• FinCEN's Latest GTO
• Payment System Review
• More UDAP for Citi
• Oops!
• FDIC's Consumer Newsletter

Compliance Calendar

In the Editor's Opinion
Disparate Impact Isn't New

by Lucy Griffin

Disparate impact isn't new, but it can be a scary concept. Following a fair lending program can significantly reduce your institution's risk.

Compliance Q & A

• Reporting Loans Approved, Not Accepted
• Average Pricing Calculations and Disclosures
• Single CD Withdrawal Using Multiple Checks

DOD's Final MLA Rule

The Department of Defense (DOD) has issued a final rule tightening restrictions on lending to service members.