RR- Thank you... I made this change at my bank and people went nuts...
I heard this at a credit compliance training event, presenter said "never do this" if you can avoid it... I took that and ran, but I could never find a reference for it, I could make the argument, but could never find the answer in the reg.
In life, there is a lot less that could get better and a lot more that could get worse.
MBA Fin/MBS HR
My views only!