We had a customer ask to start a voluntary escrow account on an existing loan. Do we need a new agreement?
We often have lobby posters advertising products, services, benefits like trips on a discounted price and others things on display so staff can answer questions on these and to promote these items. Do they require the general FDIC advertising statement>
Internet Gambling became legal in Colorado this year. Our bank is wondering how that affects our Reg GG Policy?
I would like to know if a check issued by a state university in the same state of our bank is considered a government check for Reg CC purposes?
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?