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Special Instructions ( Forums for general discussion )
  Forums Threads Posts Last Post
Instructions for Accessing PRIVATE Forums 3 7
PRIVATE FORUMS APPROVAL PROCESS
Michele_Petry - 11/18/15 07:22 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.
897 4930
Change In Terms - ATR?
Oursisnottoreasonwhy - 02/15/20 03:39 PM
Escrows on Higher-Priced Mortgages
Discussion of the final rule issued 1/10/2013, with effective date of 6/1/2013.
225 1079
HPML Escrow Exemption
crcmnot - 01/02/20 09:51 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.
190 1189
HOEPA Loan Point and Fees
rlcarey - 10/26/19 07:42 PM
HMDA Overhaul 2018 (4 viewing)
Discussion on the revised HMDA rules effective in 2018
1169 9423
Encompass No Co-borrower Exemption Error
David Dickinson - Yesterday at 09:17 PM
Interagency (Reg Z) and CFPB Reg B Appraisal Rules
Discussion on final rule with new appraisal requirements for "higher-risk" mortgages, and on CFPB Reg B appraisal rule.
485 2725
Appraisals
rlcarey - 02/13/20 07:01 PM
Loan Originator Compensation Rule
Discussion on the CFPB final rules on LO compensation.
249 1378
Paying referral fees to MLO who does only HELOCs
Dan Persfull - 02/13/20 08:20 PM
Mortgage Servicing Rules (1 viewing)
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)
751 3250
Determining Index for ARM rate change
rlcarey - 02/14/20 04:57 PM
Remittance Transfer Rule
Discussions on the final rule (subpart B of Regulation E)
199 964
Proof of payment
BoomCat - 09/03/19 06:36 PM
TRID - TILA/RESPA Integrated Disclosures Rule
Discussion of the Integrated Mortgage Disclosures, "Know Before You Owe" combined TILA and RESPA real estate disclosures.
3857 26471
UCD on business purpose
Brooke H - Yesterday at 05:02 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.
51 523
FDCPA
John Burnett - 02/12/20 06:33 PM
Article 9 394 1439
Letter of Credits backed by demand note
fmissle - 02/06/20 11:07 PM
Audit (1 viewing)
Discussions of audit-related questions and issues
3701 17803
User Access Review vs User Access Audit
Texibus - 02/05/20 06:52 PM
BSA/AML/CIP/OFAC Forum (7 viewing)
CIP, BSA and PATRIOT Act Issues
19719 105000
Monetary instruments & non-customers
ComplianceGurl - Yesterday at 03:56 PM
CRA (1 viewing)
Discussions of Community Reinvestment Act issues.
4833 25668
Indirect Auto Floor Plans
rlcarey - 02/13/20 01:59 PM
Deposits and Payments (3 viewing) 12795 55087
Reg CC New Account Definition
rlcarey - 02/14/20 01:49 PM
Disaster Recovery 280 1365
Vendors
Comprunx3 - 12/12/19 06:06 PM
eBanking / Technology (2 viewing)
Discussions of electronic banking services and technology issues.
4955 21652
online banking fraud - new twist?
BrianC - 02/14/20 10:21 PM
Fair Lending
Questions, responses and comments on Fair Lending topics.
556 2815
Disability pay and unsecured loan
rlcarey - 02/11/20 07:29 PM
FCRA (1 viewing)
Questions and comments on the Fair Credit Reporting Act.
4266 19940
Credit Score Disclosure
David Dickinson - Yesterday at 04:33 PM
Financial Reform
For discussion on the Financial Reforms in our industry and the Consumer Financial Protection Bureau
334 3238
Flood Compliance (2 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.
3394 18156
General Discussion (5 viewing) 25465 125477
two signatures required instructions
rlcarey - 02/14/20 10:00 PM
HMDA (4 viewing)
This forum is for discussions on the Home Mortgage Disclosure Act
7564 39992
Revenue Code Definitions
rlcarey - 02/13/20 01:48 PM
Human Resources 1977 14152
EEOC component one due date?
Burgess - 02/05/20 04:51 PM
Lending Compliance (9 viewing) 47254 207766
Credit Card Payments in Branch
bcompliance - 02/14/20 09:32 PM
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.
1166 6193
Reservist Past Due Prior to Active Duty
Andy_Z - 02/14/20 09:59 PM
Marketing (1 viewing) 4452 16527
Conspicuous Font Sizes
M&M - 02/05/20 03:32 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.
13625 63210
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.
1348 5976
Regulatin CC Holds
Skittles - 01/31/20 05:06 PM
Operations Compliance (1 viewing)
Discussion of operations-related issues and questions
12500 52376
Mailing 2nd Statement to third party
rlcarey - 02/13/20 01:15 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 4660 27305
Affiliate or not?
frumpette - 02/10/20 07:53 PM
Risk Management 440 1582
Risk Meeting Frequency
bcompliance - 02/14/20 08:13 PM
S.A.F.E. Act Forum
Discussion of S.A.F.E. Act mortgage loan originator registration requirements, concerns, questions and suggestions.
681 4184
MLO on Initial 1003, Not on NMLS Under Lender Yet
Vive Accommodare - 02/06/20 06:45 PM
Security - PUBLIC 1985 11390
Lobby Guard
Kimo in Idaho - 06/17/19 07:22 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.
408 944
Oregon Escrow Accounts and Interest
Cloud9 - 12/20/19 07:01 PM
Puerto Rico
Puerto Rican Bankers Discussion Forum
17 39
TRID Disclosure - Liability After Foreclosure
rlcarey - 11/11/15 02:52 PM
Arkansas 44 87
HSA Accunts and Dormant Fees
rlcarey - 08/12/19 09:27 PM
California (1 viewing) 516 1591
NEW California Privacy Law
Reg Warrior - 02/11/20 07:22 PM
Colorado
Colorado Compliance Professionals
160 409
Disburser's Notice
rlcarey - 11/01/19 04:03 PM
Connecticut
State Specific Compliance Forum
61 129
Savings Accounts Check Holds
John Burnett - 01/29/20 07:39 PM
Florida 567 1612
CBD Oil/Hemp
CB#3 - 11/12/19 10:52 PM
Georgia (1 viewing) 541 2048
Illinois (1 viewing) 616 1691
Small estate affidavit
rlcarey - 02/05/20 04:13 PM
Indiana (2 viewing) 492 1714
KY bank required to give Notice to Borrower
Dan Persfull - 02/03/20 08:50 PM
Iowa 211 723
Maximum Rate
ahkcompliance - 02/15/19 06:58 PM
Kentucky 619 1886
Protect My Kentucky Home Disclosure
Portermi, CRCM - 12/27/19 07:18 PM
Louisiana 73 180
Maryland 94 229
Foreclosure In MD
WABComply - 08/03/18 02:45 PM
Massachusetts 570 1643
Congrats to Dorothy Savarese at Cape Cod Five
John Burnett - 01/15/20 02:24 PM
Michigan 254 721
Per Stirpes
JWills, CRCM - 09/18/19 01:38 PM
Minnesota 256 687
Bankruptcy issue
rlcarey - 08/23/19 01:42 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 341 1239
New Jersey Fee Restriction & Renovation Lending
CMSIngenue - 11/21/19 04:00 PM
New Mexico 34 115
NM State RFPA
Doug Hendrickson - 05/16/18 02:09 PM
New York 343 832
Stop Payment Fees
Soccer - 02/12/20 08:24 PM
North Carolina 84 235
Ohio 204 498
URLA Notice for Ohio Residents
Dan Persfull - 01/17/20 02:41 PM
Oklahoma 563 1952
Power of Attorney
RockChucker, CAMS - 01/16/20 06:42 PM
Pennsylvania 453 1371
statute of limitations on wic claims
madukes - 12/16/19 08:46 PM
South Carolina (1 viewing) 204 632
Personal Rep and POA
John Burnett - 01/27/20 03:10 PM
Tennessee 377 1006
Small Estate Affidavit
rlcarey - 10/18/19 07:59 PM
Texas 1616 6828
Home Improvement Loan
Caty - 01/23/20 09:57 PM
Virginia 117 288
Washington State 150 418
Retainage agreement?
Puzzled - 01/10/20 05:17 PM
Washington, DC 7 12
Mortgage Application - Required Signatures/Dates
PTownBeards - 11/16/15 09:47 PM
Wisconsin
Wisconsin state-specific discussion forum
397 1543
Charging for paper statements
WIBanker91 - 01/23/20 02:01 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 (46 viewing)
The spot to blow off steam and have fun.
25022 907915
WINTER!!!!!!!! This is Funny
Purple Pride - Yesterday at 01:43 PM
The BOL Couch (1 viewing)
This is the place to go when you need input on problems of a nonbanking-related nature.
1698 57688
Whole house security system?
HRH Okie Banker - 11/27/19 08:40 PM