If credit is denied because of issues related to only one applicant, for example a charge-off, can we disclose that reason to both applicants, and do both applicants get an Adverse Action Notice?
Has there been a case where a lender tried so hard to assist minority applicants that it had a fair lending issue with majority applicants?
Is CAN-SPAM consumer protection and limited to consumers?
Does CAN-SPAM apply to those emails sent by platform employees to let their preferred customers know of new rates, etc.?
Does the CAN-SPAM law apply to email announcements of weather-related branch closings or other information about office hours?
EGRRCPA was to amend the appraisal thresholds. When is this effective?
Will examiners be looking for detailed procedures on how we evaluate high deductibles?
What has happened to flood penalties in 2019?
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?
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?