Since 2014, the DOJ has brought numerous enforcement actions against businesses, including banks, whose websites and mobile applications weren't easily accessible for persons with disabilities and, therefore, were potentially non-compliant with the Americans with Disabilities Act (Act). In order to make their websites and apps more accessible for differently-abled people, what actions have these DOJ settlements required such businesses to take?
Where does the CFPB’s authority come in when they determine something is “Abusive”?
Website ADA Discrimination cases appear to be on the rise; how many of these cases were filed in federal court in 2019, and is this actually a significant increase from earlier years?
When advertising a CD special on a rate sheet that will be provided to customers, and the ad only indicates the CD special product name with a
statement that says, "ask us how to open your CD special," and nothing else, but the CD special has conditions and limitations that the regular CD
accounts do not, should a bank disclose on the rate sheet what those conditions and limits are that differ from the regular CD products that are
also listed on the rate sheet?
There is a fully disclosed addendum for the special that covers the Reg DD
disclosure requirements. However, this will only be provided if the special
is opened by the customer. My concern is that if the customer only requests
the rate sheet and doesn't open the account the customer will not receive
the addendum or the full scope of the special on the rate sheet and this may
be a little misleading if the customer comes back at a later date to open
the special and they find out there are conditions to be met on the product.
We include the EHL logo on our website where we offer home loans. We also use Twitter and Facebook, but do not use it there because it is on our site. Are we OK?
What is the most common way that banks record or log complaints and inquiries to have available when the examiners come in looking to see what we have?
We currently keep both electronic copies and paper copies of every change made on our website. This is time-consuming to maintain. How critical is it to keep hard copies of our work, and what questions should we be asking ourselves to potentially reduce or eliminate unnecessary paper trails?
This is about an advertisement that offers a bonus to a customer and one of the conditions to be met in order to qualify for the bonus is having a set
number of debit transactions posted to the customer's account within a specific period of time. When disclosing this qualification in the ad for
the customer, should it be specified as "posted and cleared to your account" to be more clear and conspicuous or is the language "posted to your account"
Does Reg DD indicate the need to specify the term "cleared or completed"
when referring to posted?
What is demonstrable consent and can we do that with new account disclosures we email the new customer?
If we offer a discount coupon from a local business to a consumer opening a checking account, is that considered a bonus under Truth in Savings?