What is the new measure of tier 1 capital under the Community Bank Leverage Ratio (CBLR) Framework? When can my bank begin using it?
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?
Will opting-in to the Community Bank Leverage Ratio (CBLR) Framework change how my bank's assessment rate is calculated?
What is the primary benefit of the Community Bank Leverage Ratio (CBLR) Framework?
What is the Grace Period for the Community Bank Leverage Ratio (CBLR) Framework?
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?
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?
Are other banks performing callbacks for customers completing online auto-enrollments? If not, what are the controls for preventing fraud?
If we price HELOCs based on the applicant's credit score and loan to value ratio, so some borrowers get a lower rate than other borrowers, can we disclose the lower rate in our advertisement, or do we need to disclose both rates? Do we also need to specify the criteria for receiving the lower rate?