Most Popular Compliance Content
Is this structuring?
10/09/2022
Am I encouraging a customer to structure if I make them run cash as a deposit into their account ,and then debit their account for a cashiers check instead of letting them just purchase a cashiers check with cash? I like to have a paper trail and proof that the purchaser is a customer, that is why I run it through an account first.
Disclosing Appraisal Costs on an LE
10/09/2022
If we disclose a cost for an Automated Valuation Model/Investment Valuation Model (AVM/IVM) or basic evaluation on the Loan Estimate but the valuation amount comes in low and does not support loan request, if the borrower then requests a full appraisal in hopes of a higher estimated value, are we able to send a new LE with the additional appraisal cost since the borrower requested the full appraisal or does the financial institution need to "eat" the additional appraisal fee because we had already disclosed a lower fee amount?
Playing 'what-if' with Assessment Areas
10/09/2022
Is it possible to evaluate the impact of different CRA Assessment Area configurations on my CRA performance standards and my bank's comparison to those standards?
Chargeback Rep Payee Returned Check
10/02/2022
If we cashed a third party check for the customer who has a Rep Payee account and the check comes back as fraud, are we able to charge that check back to our customer's account since it is a Rep Payee account?
Tx Specific Deposit Forms
10/02/2022
This is actually Texas specific, but I need help. Does the Uniform Single- Or Multiple-Party Account Form apply to sole proprietorship accounts? I cannot find a clear answer on the applicability to this account or entity type.