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Special Instructions ( Forums for general discussion )
  Forums Threads Posts Last Post
Instructions for Accessing PRIVATE Forums (1 viewing) 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 (3 viewing)
Discussion on final rule announced 1/10/13 on ability to repay and qualified mortgages.
915 5042
New QM rules and ARMs
rlcarey - 12 minutes ago
Escrows on Higher-Priced Mortgages
Discussion of the final rule issued 1/10/2013, with effective date of 6/1/2013.
241 1160
Escrow analysis and balloon loans
ADN - 03/23/21 05:50 PM
HOEPA and Homeowner Counseling Rule (1 viewing)
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 (2 viewing)
Discussion on the revised HMDA rules effective in 2018
1293 10076
number of units
Andy_Z - 04/05/21 07:45 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.
504 2824
Appraisal Delivery
Adam Witmer - 04/01/21 12:45 PM
Loan Originator Compensation Rule
Discussion on the CFPB final rules on LO compensation.
252 1390
Increased compensation for loan to low-income borr
Professional Noun - 03/30/21 03:40 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)
777 3359
Late Payment
rlcarey - 01/25/21 10:06 PM
Remittance Transfer Rule
Discussions on the final rule (subpart B of Regulation E)
204 997
Incoming Wires and Dual Controls
rlcarey - 08/17/20 05:46 PM
TRID - TILA/RESPA Integrated Disclosures Rule (5 viewing)
Discussion of the Integrated Mortgage Disclosures, "Know Before You Owe" combined TILA and RESPA real estate disclosures.
4124 27828
Total of Payments Cure
rlcarey - 04/16/21 11:05 AM
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.
52 527
FDCPA Final Rule - Applicable to Banks?
John Burnett - 11/10/20 03:26 PM
Article 9 396 1446
Audit
Discussions of audit-related questions and issues
3726 17901
Compliance/Audit Schedule
Rocky P - 04/16/21 01:01 PM
BSA/AML/CIP/OFAC Forum (15 viewing)
CIP, BSA and PATRIOT Act Issues
20112 106897
Armored Car Services for MSB's
Jenny Roberts - Yesterday at 06:57 PM
CRA (4 viewing)
Discussions of Community Reinvestment Act issues.
4965 26256
CRA for Indirect Auto Loans?
InFairness, CRCM - Yesterday at 03:55 PM
Deposits and Payments (9 viewing) 13149 56770
Account Opening Date vs Funding Date
rlcarey - 2 hours ago
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.
5070 22232
Opening a CD online
Compliance1 - Yesterday at 05:44 PM
Fair Lending (1 viewing)
Questions, responses and comments on Fair Lending topics.
604 3060
Discounted Rate for Additional Loan Products
Rocky P - 04/17/21 12:23 AM
FCRA (2 viewing)
Questions and comments on the Fair Credit Reporting Act.
4321 20189
Information Obtained from a Third Party - Tax Lien
dhutson - Yesterday at 04:20 PM
Financial Reform
For discussion on the Financial Reforms in our industry and the Consumer Financial Protection Bureau
334 3238
Flood Compliance (13 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.
3544 18832
Flood Insurance - Master Policy
rlcarey - Yesterday at 08:25 PM
General Discussion (18 viewing) 25623 126177
GAP Insurance and Debt Cancellation Notice
rlcarey - Yesterday at 06:20 PM
HMDA (2 viewing)
This forum is for discussions on the Home Mortgage Disclosure Act
7635 40425
Multi-family?
Adam Witmer - Yesterday at 04:55 PM
Human Resources 1987 14226
Job posting - recruitment ideas
P*Q - 02/11/21 04:49 PM
Lending Compliance (19 viewing) 47761 210159
Small Creditor QM
Mustang Mama - 35 minutes ago
Lending to Servicemembers (SCRA, JWNDAA), War, Terrorism (3 viewing)
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.
1186 6282
HUD SCRA Notice Expiration
Andy_Z - 04/07/21 08:07 PM
Marketing (2 viewing) 4521 16808
Cooler Full of Money Giveaway
2old2care - 04/15/21 01:17 PM
Need to Remain Anonymous (9 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.
13989 65116
Check issued to joint tenants
John Burnett - 2 hours ago
Newbie Nook (1 viewing)
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.
1364 6057
Notice of Incomplete Application
Live&Learn - Yesterday at 05:24 PM
Operations Compliance (13 viewing)
Discussion of operations-related issues and questions
12588 52770
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) 4683 27409
Risk Management (1 viewing) 444 1598
Conduct Risk Program
SLODWatch1 - 01/15/21 05:47 PM
S.A.F.E. Act Forum
Discussion of S.A.F.E. Act mortgage loan originator registration requirements, concerns, questions and suggestions.
690 4231
Land Only
TMatt87 - 04/12/21 02:58 PM
Security - PUBLIC 1989 11407
Analyzing and Acting On Bank Data
rlcarey - 10/31/20 12:09 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.
409 953
State law on electronic business transactions
rlcarey - 03/19/21 07:29 PM
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 519 1609
Colorado (1 viewing)
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 572 1622
Safe Deposit Box - Room Cement?
Lele - 11/13/20 09:00 PM
Georgia 546 2066
Discontinuing Safe Deposit Box Service
InFairness, CRCM - 01/07/21 05:44 PM
Illinois (2 viewing) 626 1715
Political campaign funds
GrannieTwo - 03/08/21 05:04 PM
Indiana 497 1740
Notary Public Notice
Dan Persfull - 04/02/21 08:04 PM
Iowa (1 viewing) 211 723
Maximum Rate
ahkcompliance - 02/15/19 06:58 PM
Kentucky 624 1900
Minor Child Financial Guardianship
burkemi - 10/28/20 03:18 PM
Louisiana 73 180
Maryland (1 viewing) 95 232
Multiple Beneficaries
rlcarey - 08/19/20 08:59 PM
Massachusetts 579 1670
Notice of Appeal
crazycat3 - 11/20/20 08:46 PM
Michigan (1 viewing) 255 722
PC598 AFFIDAVIT OF DECEDENT'S SUCCESSOR...
ComplianceGurl - 05/15/20 02:52 PM
Minnesota 261 695
Consumer Loan or Mortgage Loan?
rlcarey - 03/02/21 07:00 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 343 1242
NJDOBI 2021 High Cost Mortgage
Reads Regs - 03/03/21 06:13 PM
New Mexico 35 117
New Mexico LLC ?
rlcarey - 07/06/20 02:11 PM
New York (1 viewing) 347 848
Is it okay to ask for relationship on a joint app?
InFairness, CRCM - 04/16/21 01:01 PM
North Carolina 85 239
POA and POD accounts
John Burnett - 03/03/20 08:32 PM
Ohio 206 501
Call recording retention
rlcarey - 02/11/21 04:25 PM
Oklahoma 566 1964
Legal fees cap?
Pauli Loeffler - 09/15/20 12:53 AM
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 (1 viewing) 385 1023
Dormant Accounts
Lynzey Lambert - 03/29/21 12:29 PM
Texas (2 viewing) 1628 6865
Routing Numbers on Safe Deposit Keys
Valley girl - 02/23/21 11:07 PM
Virginia 119 290
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 (1 viewing)
Wisconsin state-specific discussion forum
404 1565
Tax levy record retention requirements
Oly78 - 01/26/21 01:12 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 (143 viewing)
The spot to blow off steam and have fun.
25052 911023
Song Titles
P*Q - 19 minutes ago
The BOL Couch (2 viewing)
This is the place to go when you need input on problems of a nonbanking-related nature.
1703 57879
Tested positive for COVID 19
InFairness, CRCM - 04/16/21 08:05 PM