Vendor Guru Q&A - Compliance

Latest Compliance - Tools Topics

SCRA HUD Disclosure Requirement

06/10/2013

My question revolves around SCRA. It is my understanding the HUD disclosure is required within 45 days to all borrowers. In discussing this requirement, our attorneys are giving me grief stating the language is only required in their demand letters, that the actual HUD form is not required. Is this the case?

Has The Escrow Calculator Been Updated?

05/27/2013

Has the escrow calculator been updated and is this available?

Number of Withdrawals for Money Market Account

10/29/2012

REG D - Money Market Account withdrawals -What is the total number of withdrawals that can be made from a Money Market Account in a four week period? Is is unlimited on some types of transactions or is it a total of six withdrawals regardless of the type?

Transfers Through Online Service-6 Monthly Limit?

09/03/2012

If a customer transfers from their savings to their checking account through the online services, does that count towards the six monthly limitations?

List of Required Signage for Branches and ATMs

04/23/2012

Where can I get a list of compliance signage that is required in branches and at ATMs?

Regulation CC Funds Availability Calendar

12/09/2011

By Andy Zavoina, BOL Guru
Bio and Contact Info

2011 Reg CC Hold Schedule

04/11/2011

Do you have a Reg CC Hold Schedule for 2011, as you have for past years?

Disclosures Required on Electronic Signs

02/21/2011

Our bank compliance officer left last fall for another job. I am in charge of our electronic sign and need to find out where there is a clear/concise source of information that guides us in what we have to disclose on the sign for interest rates, terms, etc.

2011 Reg CC Date Availability Calendar

02/14/2011

When will the 2011 version of the Reg CC date availability calendar be available?

Need Reg about Disclosures for Compliance Review

09/13/2010

I need to know where can I locate the regulation that instructs me on the specific disclosures that I need to gather in order to compile a disclsoure checklist for a compliance review. This would pertain to first lien residential mortgages for purchase and refinance transactions.

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ADA-Compliant Disclosures

Question: We have a question here at our bank.

What Good Are Unofficial Guides?

In compliance management, we work from a variety of resources, including laws, regulations, official and unofficial interpretations and compliance guides and tools.

Account with Multiple Debit Card Users

12/08/2019

We have a church account that has multiple debit card users. Do all of these cardholders need to be signers on the account?

U.S. Community Banks are Sitting Ducks for Cyber Crimes

12/08/2019

How can I determine my bank's cyber risk, inherent risks to my institution, and measure our cybersecurity preparedness profile?

2020 Legal Alert: Bank ADA Lawsuits Mount

12/08/2019

How many banks have been sued under the ADA in federal court?

Co-mingling of Funds if Business Related Purchase?

12/08/2019

Would it be considered co-mingling of funds if a customer is making business related purchases on the personal account?

Responsibility for Check Deposited Through ATM

12/01/2019

Who is responsible for a check that was deposited through an ATM? In this case the paying bank sends an affidavit of altered check 20 days after the deposit was made. Then calls to state the payee and endorsement does not match, but also states in the affidavit that customer stated it was not his signature and someone stole the check from the mailbox.

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