Will examiners be looking for detailed procedures on how we evaluate high deductibles?
What has happened to flood penalties in 2019?
We found an HPML in our audit. There is no escrow set up. What can we do?
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?
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?
What might happen if we don't have a system to track complaint resolutions?
We had a customer ask to start a voluntary escrow account on an existing loan. Do we need a new agreement?
How do we know when a cushion is allowed?
Can we collect property taxes during construction based on the completed value of the home?
What is a loan application?