Most Popular Compliance Content
Reg DD - Posting Fee Change in Branch Lobbies
08/11/2008
I'm trying to find in the commentary of Reg DD if I can post a notice of change to our schedule of fees in the branch lobbies thirty calendar days in advance of the change and be in compliance with the delivery of the change rule under 230.5(a). I intend to include the change with my quarterly statements as well, but the member will not actually receive the notice within the thirty day time frame because of the mailing lead time needed to produce, stuff and mail the statement. I'm trying to have the fee increases take effect 8/1/08.
Flood Zone - Must Determination & Policy Match?
08/11/2008
Does the flood zone on the banks determination have to match the flood zone on the flood insurance policy?
Customers Signing the US Patriot Act Form
08/11/2008
Does a customer need to sign the US Patriot Act form?
Reg Covering PMI Upfront Disclosures
08/11/2008
Does HOEPA Chapter 49 Section 4903 pertain to PMI upfront disclosure or should I be looking in the Homeowners Protection Act? Where is that regulation?
Spouse Not on the Loan - Collecting Spousal Info
08/11/2008
I had a loan officer take an application for an individual and on the application he has checked individual credit under the type of credit requested. The customer then sent us a PFS with both he and his wife's information on it and the loan officer had a credit report pulled for both husband and wife, even though her name and information is not on the application or the note/loan. What are the guidelines on collecting that information on the spouse and not using it for the loan?