Mutilating the MICR line of a check doesn't help in the Check 21 environment. So what do we do to prevent a stopped check from being presented again?
If we get a claim that one of our cashier’s checks is lost, and pay the claim before we have to, what would happen if the original check shows up and we returned it as a “stopped payment”?
Can a depositor stop payment on a check that overdraws her account?
We had the 6 points of information for an application but lost track of the request and took too long to deny it as we were awaiting additional income information from the applicant. What can we do now?
We missed a stop payment and paid the check two days ago. Can we still return the check?
Most restaurants offer senior discounts now at about age 55 and so we want our Seniors Checking account product to be available at age 55. Our compliance officer said it violated Reg B, but then left the bank. This isn’t a loan product, so what gives?
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?
What was the HMDA data problem from 2019?
What will our industry expect as to civil money penalties in the next year.