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Latest Compliance - Fair Housing Topics

News Release Compliance Issues - Loan Program

03/07/2005

An issue has come up over a news release that features a first-time homebuyers program. I haven't been able to find any info about compliance for news release. Do you know if there are any compliance issues/regs pertaining to news releases?

Lobby Posters in an LPO of a National Bank

02/21/2005

What lobby disclosures are required for a national bank for an LPO (loan production office) that does no retail (deposit) business? Equal Housing poster and what else?

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01/01/2005

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Get the HMDA data in by the end of the month - or sooner. Be sure to do a quality and edit check before sending in your data.

Policy Reviews

12/01/2004

Question: Every year we load up our board meeting with policy reviews. And every year, we get complaints from the board and management about how time- consuming this process is.

Enforcement, Anyone?

11/01/2004

OCC has updated its standards for mandatory enforcement actions. The big four are BSA, ECOA, Fair Housing and Flood.

FTC Study on Credit Scores

07/01/2004

The FTC has solicited comments on its study of the effect of credit scores on the availability of insurance and credit products.

OCC Required Information, Mortgage Loans

04/19/2004

I'm in the process of completing an audit of the Fair Housing Act for a national bank. The OCC requires that "each bank shall attempt to obtain all of the information below." It then goes on to require a considerable amount of information in excess of the traditional government monitoring information (race, ethnicity, sex, marital status, and age). Is all of this information required to be on the application? Will the information (such as amount requested, interest rate requested, # of months to maturity, and proposed monthly payment) being in the loan file on some other document suffice? Also, does the fact that the application is partially completed suffice for compliance with the regulation for "attempting to obtain" the information?

Using the EHL in Print Advertising

04/05/2004

What is the latest ruling for use of the Equal Housing Lender logo in print advertising? For OCC-regulated banks, may we use the words Equal Opportunity Lender instead of Equal Housing Lender with our doghouse logo? What about using the words Equal Opportunity Housing?

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Fair lending is about more than just following Reg B and the Fair Housing Act to the letter of the law.

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Joint Overdraft Guidance: Extension Past 60 Days?

01/31/2021

I understand the Joint Overdraft Guidance states that overdrawn accounts should be charged off after 60 days. Is there anything that would allow for an extension past the 60 day mark? (i.e. a fraud investigation, pending transactions, approval from upper management, etc.)

Notice of Delayed Availability

01/24/2021

Is a Notice of Delayed Availability form required to be mailed to customers who deposit local checks in excess of $5,525 or is it only required if a statutory exception hold is invoked or a case-by-case hold is placed? In other words, if a local check deposit of $6,000 was done at the ATM and the funds are being held $225 (first day) $5,300 (second day) $475 (7 days) would the customer need to be mailed a form?

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