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Special Instructions ( Forums for general discussion )
  Forums Threads Posts Last Post
Instructions for Accessing PRIVATE Forums 3 6
PRIVATE FORUMS APPROVAL PROCESS
Truffle Royale - 09/30/08 11:55 PM
Dodd-Frank Final Rules Discussions ( )
  Forums Threads Posts Last Post
Ability to Repay/Qualified Mortgage Rule
Discussion on final rule announced 1/10/13 on ability to repay and qualified mortgages.
927 5144
5 Yr Balloon Payment 60 vs. 61 months
Dan Persfull - 10/12/21 08:51 PM
Escrows on Higher-Priced Mortgages
Discussion of the final rule issued 1/10/2013, with effective date of 6/1/2013.
244 1170
Escrow Flood Insurance
Lori - 08/31/21 03:17 PM
HOEPA and Homeowner Counseling Rule
Discussion on final rule issued 1/10/2013 to increase coverage of HOEPA and add pre-loan counseling requirement, plus add requirement to provide information on homeowner counseling organizations.
191 1195
HMDA Overhaul 2018
Discussion on the revised HMDA rules effective in 2018
1326 10231
Reporting Threshold - Open-End and 2022
Quatro - Yesterday at 04:38 PM
Interagency (Reg Z) and CFPB Reg B Appraisal Rules (1 viewing)
Discussion on final rule with new appraisal requirements for "higher-risk" mortgages, and on CFPB Reg B appraisal rule.
515 2882
Provide Copy of Appraisal Review
John Burnett - 09/21/21 05:17 PM
Loan Originator Compensation Rule
Discussion on the CFPB final rules on LO compensation.
254 1406
Charge back to LO for Early payoff
InFairness, CRCM - 10/11/21 05:50 PM
Mortgage Servicing Rules
Discussion on rules issued 1/17/2013 to add rate adjustment notice and periodic statement requirements to Regulation Z (TILA) and significant new servicing rules to Regulation X (RESPA)
783 3379
Mortgage Servicing Transfer
travelgirl1 - 09/30/21 04:18 PM
Remittance Transfer Rule
Discussions on the final rule (subpart B of Regulation E)
205 1003
Regulation E Dispute Obligation
John Burnett - 08/23/21 03:38 PM
TRID - TILA/RESPA Integrated Disclosures Rule
Discussion of the Integrated Mortgage Disclosures, "Know Before You Owe" combined TILA and RESPA real estate disclosures.
4219 28365
Cure Required? Transfer Taxes
John Burnett - 10/14/21 07:02 PM
Banker Forums ( Our Forums )
  Forums Threads Posts Last Post
Comments on Proposed Regulations
Add your thoughts to the discussion. BankersOnline will be submitting comment letters with aggregated comments.
53 551
CFPB issues proposed Section 1071 rule
John Burnett - 10/12/21 03:51 PM
Article 9 397 1449
Timeframe for holding cattle
rlcarey - 04/22/21 06:22 PM
Audit
Discussions of audit-related questions and issues
3734 17933
Reg 9 Trust Department Audit
BSAguy - Yesterday at 04:11 PM
BSA/AML/CIP/OFAC Forum (7 viewing)
CIP, BSA and PATRIOT Act Issues
20268 107709
Customer growing hemp
Mike S - 18 hours ago
CRA
Discussions of Community Reinvestment Act issues.
5021 26438
Deposits and Payments (1 viewing) 13274 57352
Unauthorized EFTs After Death
Rocky P - Yesterday at 09:35 AM
Disaster Recovery 282 1372
Temporary Closure
Brandy Friesen, CRCM - 03/13/20 08:51 PM
eBanking / Technology
Discussions of electronic banking services and technology issues.
5099 22360
Reg E Claim - No Response
Andy_Z - Yesterday at 10:49 PM
Fair Lending
Questions, responses and comments on Fair Lending topics.
611 3097
NOAA Question
DCinSLC, CRCM - Yesterday at 03:26 PM
FCRA (1 viewing)
Questions and comments on the Fair Credit Reporting Act.
4348 20335
Guarantors on commercial credit
rlcarey - 10/04/21 04:25 PM
Financial Reform (1 viewing)
For discussion on the Financial Reforms in our industry and the Consumer Financial Protection Bureau
334 3238
Flood Compliance (1 viewing)
From SFHDFs to Forced Placement, from Special Flood Hazard Areas to Required Notices -- If it involves flood insurance, this is where to discuss it.
3604 19108
Close loan on force-placed policy?
Tarhe - 10/08/21 07:47 PM
General Discussion (9 viewing) 25683 126451
Lot Loan
dmk124 - 10/12/21 12:54 PM
HMDA (1 viewing)
This forum is for discussions on the Home Mortgage Disclosure Act
7680 40648
Identity Theft on Loan App
Andy_Z - Yesterday at 10:37 PM
Human Resources 1987 14235
Job posting - recruitment ideas
HappyGilmore - 09/09/21 04:55 PM
Lending Compliance (3 viewing) 47958 211058
Overseas
rlcarey - 7 hours ago
Lending to Servicemembers (SCRA, JWNDAA), War, Terrorism
Given the current state of affairs we are creating this special topic forum to allow an open discussion of lending to servicemembers, war-related warnings, and terror alerts that may impact the financial services industry.
1197 6333
Marketing (2 viewing) 4549 16910
Charity Sweepstakes
Adam Witmer - 10/13/21 12:26 PM
Need to Remain Anonymous (3 viewing)
This forum is to be used for those instances where it is necessary for bankers to post anonymously in order to shield either their own identity or their institution's. Registered users should log out of Threads to ensure anonymity. Log back in to post in other forums.
14178 66118
Account Closure due to Fraud
rlcarey - Yesterday at 10:55 PM
Newbie Nook
This forum is for those who are new to banking, or who have moved from one position in banking to another and are unfamiliar with their new duties.
1367 6073
Operations Compliance
Discussion of operations-related issues and questions
12617 52878
HOLD (Lottery Check)
Linkpars - 10/08/21 03:06 PM
Regulatory Rollback Forum
No political discussion here, folks. Just a practical analysis from a compliance perspective of what is doable versus what would create more work and expense.
12 165
Senate Bill 2155 - ECGRRCPA
rlcarey - 11/13/18 04:20 PM
RESPA (3 viewing) 4695 27460
Section 8 Violation?
Cheesehead - 10/08/21 02:45 PM
Risk Management 445 1603
Risk Management Practices
McFly - 07/08/21 04:50 PM
S.A.F.E. Act Forum
Discussion of S.A.F.E. Act mortgage loan originator registration requirements, concerns, questions and suggestions.
691 4234
Use of NMLS number for MLO
Oly78 - 06/30/21 01:04 PM
Security - PUBLIC 1990 11414
Family Photos
Dan Persfull - 06/25/21 08:13 PM
State-Specific Compliance Issues
  Forums Threads Posts Last Post
Other States - General
Please use this forum for General State Compliance Issues. If your state does not currently have its own forum we will create one as demand dictates. In the meantime, use this area to post your specific question using the STATE Abbreviation in the TITLE of the post.
411 959
RI Abandon Property IRA requirements
rlcarey - 10/07/21 11:18 AM
Puerto Rico
Puerto Rican Bankers Discussion Forum
17 39
TRID Disclosure - Liability After Foreclosure
rlcarey - 11/11/15 02:52 PM
Arkansas 45 90
Elder Financial Exploitation
Sugar Coater - 03/05/20 07:58 PM
California 521 1617
NEW California Privacy Law
Reg Warrior - 09/24/21 03:22 PM
Colorado
Colorado Compliance Professionals
162 413
Colorado Real Estate Disclosures
MJNoone - 03/30/21 05:09 PM
Connecticut
State Specific Compliance Forum
61 129
Savings Accounts Check Holds
John Burnett - 01/29/20 07:39 PM
Florida (1 viewing) 574 1628
Florida Senate Bill 76
rlcarey - 08/30/21 04:29 PM
Georgia 549 2071
Illinois 630 1725
Indiana 498 1742
Reducing Banking Hours
rlcarey - 06/11/21 01:46 PM
Iowa 211 723
Maximum Rate
ahkcompliance - 02/15/19 06:58 PM
Kentucky 625 1906
Protect My Kentucky Home
rlcarey - 09/30/21 08:32 PM
Louisiana 73 180
Maryland 97 238
Massachusetts 580 1673
Septic holdback
brettsgirl04 - 08/03/21 04:26 PM
Michigan 255 722
PC598 AFFIDAVIT OF DECEDENT'S SUCCESSOR...
ComplianceGurl - 05/15/20 02:52 PM
Minnesota 262 697
Rate Lock Agreement
rlcarey - 07/13/21 05:08 PM
New Hampshire
New Hampshire Specific State Forum
35 77
Multiple Trusts on Deposit Account
John Burnett - 08/26/19 07:23 PM
New Jersey 345 1245
BOD Approved List of Wire System Users
LostFan - 09/24/21 01:22 PM
New Mexico 36 123
MLO # on Ad
rlcarey - 07/19/21 06:40 PM
New York 349 863
Reg O Retention
Soccer - 06/23/21 07:08 PM
North Carolina 86 241
Convenience Store Gambling Machines
rlcarey - 05/20/21 03:46 PM
Ohio 207 504
Trade Name and Beneficial Ownership
Pinhead76 - 06/10/21 05:35 PM
Oklahoma 567 1967
Oklahoma Driver's License paper verification
danyielg - 08/24/21 07:21 PM
Pennsylvania (1 viewing) 462 1405
Deceased Customers
Grandkids R Great - 04/13/21 05:07 PM
South Carolina 206 642
Add mortgage satisfaction fee to payoff quote
Cowboys Fan - 02/19/21 02:06 PM
Tennessee 391 1038
Electronic Signature Consent - Signature Pad
rlcarey - 09/25/21 02:19 PM
Texas 1632 6872
Refi HE Loan into a Non-HE - Refi Notice
rlcarey - 08/11/21 02:12 PM
Virginia 119 290
Washington State 150 418
Retainage agreement?
Puzzled - 01/10/20 05:17 PM
Washington, DC 8 13
Abandoned Property Policy
Bruce Gollop - 05/10/21 04:58 PM
Wisconsin
Wisconsin state-specific discussion forum
407 1573
Funeral or Burial Trust Accounts
Margarita - 08/05/21 06:51 PM
Wyoming 13 37
death of custodian
lOvEwYo - 10/08/14 04:01 PM
Non-Business Discussions
  Forums Threads Posts Last Post
Chat! - BOL Watercooler (69 viewing)
The spot to blow off steam and have fun.
25062 912465
Song Titles
InFairness, CRCM - Yesterday at 09:40 PM
The BOL Couch (4 viewing)
This is the place to go when you need input on problems of a nonbanking-related nature.
1706 57961
can't do anything right
TryingtoComply - 09/14/21 12:29 AM