Skip to content
BOL Conferences
Learn More - Click Here!

Page 114 of 196 1 2 112 113 114 115 116 195 196
Thread Options
#2097547 - 09/08/16 07:18 PM Re: Random Thoughts Peepers
CompliantOkie Offline
Gold Star
CompliantOkie
Joined: Dec 2013
Posts: 425
OOOOOOklahoma
I hate getting new glasses. Even though the prescription is basically the same, just getting used to new frames and shapes drives me crazy for the first few days.

Return to Top
Chat! - BOL Watercooler
#2097551 - 09/08/16 07:22 PM Re: Random Thoughts CompliantOkie
GuitarDude Offline
Power Poster
GuitarDude
Joined: Nov 2004
Posts: 5,925
So Cal
Originally Posted By CompliantOkie
I hate getting new glasses. Even though the prescription is basically the same, just getting used to new frames and shapes drives me crazy for the first few days.

Are you sure your eyes haven't changed that much? laugh
_________________________
I've just writed a wrong.

Return to Top
#2097553 - 09/08/16 07:26 PM Re: Random Thoughts GuitarDude
CompliantOkie Offline
Gold Star
CompliantOkie
Joined: Dec 2013
Posts: 425
OOOOOOklahoma
Originally Posted By GuitarDude
Originally Posted By CompliantOkie
I hate getting new glasses. Even though the prescription is basically the same, just getting used to new frames and shapes drives me crazy for the first few days.

Are you sure your eyes haven't changed that much? laugh

Oh No!! I'm losing my sight!!!

Oh nevermind. The tequila has just kicked in! All's well.

Return to Top
#2097633 - 09/09/16 01:39 PM Re: Random Thoughts Peepers
Little Miss BSA Offline
Diamond Poster
Little Miss BSA
Joined: May 2007
Posts: 1,185
Miami
TGIF!!!!!
_________________________
"Never allow someone to be your priority while allowing yourself to be their option!"

Return to Top
#2097639 - 09/09/16 01:53 PM Re: Random Thoughts Cornfed Turtle
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,654
The Swamp
Originally Posted By Cornfed Turtle
There are additional posts in the "Horse Barn HMDA" thread. Brings me enjoyment.


Added more for your reading entertainment. smirk
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2097678 - 09/09/16 03:42 PM Re: Random Thoughts RR Joker
mtngrrl Offline
Gold Star
mtngrrl
Joined: Mar 2011
Posts: 499
Northern California
Originally Posted By RR Joker
Originally Posted By Cornfed Turtle
There are additional posts in the "Horse Barn HMDA" thread. Brings me enjoyment.


Added more for your reading entertainment. smirk


Thank goodness we're not HMDA. Directors are under strict orders to stick north of the county line so I don't have to worry about classifying improvements to horse farms, mom and pop vineyards, or ...um...other recreational agricultural products.
_________________________
Be kind; everyone you meet is fighting a hard battle.
--all opinions are my own--

Return to Top
#2097685 - 09/09/16 04:05 PM Re: Random Thoughts RR Joker
Cornfed Turtle Offline
Diamond Poster
Joined: Mar 2006
Posts: 1,323
"...Somewhere in Middle Americ...
Originally Posted By RR Joker
Originally Posted By Cornfed Turtle
There are additional posts in the "Horse Barn HMDA" thread. Brings me enjoyment.


Added more for your reading entertainment. smirk


You are so good to me.

Unfortunately, I am learning more about HMDA now and less about horse barns and other farm-related stuff. Driving home from Denver, I made a major corn vs sorghum faux pas that is STILL entertaining Mr Turtle.

Wish I could stop learning about MLA!

Return to Top
#2097697 - 09/09/16 04:27 PM Re: Random Thoughts Peepers
CompliantOkie Offline
Gold Star
CompliantOkie
Joined: Dec 2013
Posts: 425
OOOOOOklahoma
Ditto Corny. I'm so OVER MLA I just want to throw the thing out my window. All this work for such meaningless protections.

Return to Top
#2097715 - 09/09/16 05:17 PM Re: Random Thoughts Peepers
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,654
The Swamp
This ^^^. This branch is within spittin' distance to an AFB...and even at that we have so few covered borrowers it isn't even funny...considering all the to do over it!
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2097723 - 09/09/16 05:40 PM Re: Random Thoughts RR Joker
Cornfed Turtle Offline
Diamond Poster
Joined: Mar 2006
Posts: 1,323
"...Somewhere in Middle Americ...
Amen!

Return to Top
#2097726 - 09/09/16 05:46 PM Re: Random Thoughts Cornfed Turtle
Cornfed Turtle Offline
Diamond Poster
Joined: Mar 2006
Posts: 1,323
"...Somewhere in Middle Americ...
I want to start a new quote thread with things I want on a tee shirt...... "People do things because they go to a seminar at the Holiday Inn" is my new fav!! (See the Flood Compliance forum)

Return to Top
#2097727 - 09/09/16 05:50 PM Re: Random Thoughts Peepers
CompliantOkie Offline
Gold Star
CompliantOkie
Joined: Dec 2013
Posts: 425
OOOOOOklahoma
We are a military bank and have branches on several military installations so we'll deal with a lot of covered borrowers BUT the protections are meaningless in my opinion.
I hate disclosures for disclosure's sake. Wasting time and energy and a fair amount of money to tell a customer about protections that don't amount to a hill of beans!

Return to Top
#2097739 - 09/09/16 06:13 PM Re: Random Thoughts mtngrrl
Truffle Royale Offline

10K Club
Joined: Jul 2003
Posts: 17,395
Quote:
Thank goodness we're not HMDA. Directors are under strict orders to stick north of the county line so I don't have to worry about classifying improvements to horse farms, mom and pop vineyards, or ...um...other recreational agricultural products.
um...not to be serious in a cooler thread, but isn't this redlining which is what Reg C/HMDA was created to eliminate? eek

Return to Top
#2097742 - 09/09/16 06:21 PM Re: Random Thoughts Peepers
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,654
The Swamp
I'm thinking they would venture into an MSA causing an automatic dive into HMDA territory. That's what accidentally happened to this bank...if it weren't for the branch I'm sitting in, they would not be a reporter wink

That's not redlining. Redlining would have to be staying away from a Fair Lending (Low/mod income) area on purpose.
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#2097744 - 09/09/16 06:30 PM Re: Random Thoughts Peepers
Truffle Royale Offline

10K Club
Joined: Jul 2003
Posts: 17,395
huh. I thought redlining was just refusing to lend to an area for whatever reason. I agree that most often it ended up being low income tho. Learn something new ever day...even if on a Friday.

Return to Top
#2097745 - 09/09/16 06:33 PM Re: Random Thoughts Truffle Royale
RR Sarah Offline
Power Poster
RR Sarah
Joined: Mar 2004
Posts: 2,505
Up North
I don't think she was talking about lending but rather acquiring a branch in a MSA.
_________________________
Sometimes you have to burn a few bridges to keep the crazies from following you.

Return to Top
#2097757 - 09/09/16 06:49 PM Re: Random Thoughts Peepers
Amandak Offline
Member
Joined: Jul 2013
Posts: 80
Wisconsin
Yes she is referring to acquiring a branch. We had a bank in the area that did not consult the compliance officer when they were picking the new location to build a branch. The branch is in a town that rest in between two counties. One county is an MSA the other is not. They built the branch in the MSA area of town. Two blocks from the non-MSA area.

Return to Top
#2097763 - 09/09/16 06:57 PM Re: Random Thoughts Peepers
MyBrainHurts Offline
Platinum Poster
Joined: Feb 2010
Posts: 960
Illinois
"Wish I could stop learning about MLA!"

I was explaining our new MLA procedures to our board. When I told them the disclosures had to be given in writing and read out loud, they thought I was joking. When they realized I wasn't joking, they couldn't stop laughing.
_________________________
I thought getting old would take longer.

Return to Top
#2097766 - 09/09/16 07:00 PM Re: Random Thoughts Peepers
RockChucker, CAMS Offline
Diamond Poster
Joined: Jul 2013
Posts: 1,700
The Country
MLA is not by baliwick so I am not too familiar. Please please please tell me that you are not serious that it must be read out loud.
_________________________
A successful man is one who can lay a firm foundation with the bricks others have thrown at him.
-David Brinkley

Return to Top
#2097772 - 09/09/16 07:17 PM Re: Random Thoughts Peepers
Soccer Offline
Diamond Poster
Joined: Jan 2010
Posts: 1,028
Utopia
Yup, oral disclosure is a requirement.
_________________________
Everything happens for a reason

Return to Top
#2097773 - 09/09/16 07:18 PM Re: Random Thoughts Peepers
Peepers Offline
10K Club
Joined: Jul 2002
Posts: 13,994
and mimed
_________________________
blah

Return to Top
#2097778 - 09/09/16 07:26 PM Re: Random Thoughts Peepers
CompliantOkie Offline
Gold Star
CompliantOkie
Joined: Dec 2013
Posts: 425
OOOOOOklahoma
We're actually going to be doing an interpretive dance rather than reading the disclosure. I feel like that will be more meaningful to the covered borrowers.

Return to Top
#2097780 - 09/09/16 07:28 PM Re: Random Thoughts CompliantOkie
RR Becca Offline
Power Poster
RR Becca
Joined: Sep 2004
Posts: 5,249
out of the frying pan...
Originally Posted By CompliantOkie
We're actually going to be doing an interpretive dance rather than reading the disclosure. I feel like that will be more meaningful to the covered borrowers.


OMG! I just snort-laughed out loud! laugh
_________________________
You call it ADD. I call it multi-tasking.

Return to Top
#2097784 - 09/09/16 07:36 PM Re: Random Thoughts Peepers
Skittles Online
10K Club
Skittles
Joined: Sep 2002
Posts: 13,965
TN
I LOVE interpretive dance.
_________________________
My Opinions Only

Return to Top
#2097786 - 09/09/16 07:37 PM Re: Random Thoughts Skittles
RR Sarah Offline
Power Poster
RR Sarah
Joined: Mar 2004
Posts: 2,505
Up North
I should add that to my training notes to see who actually is paying attention!!
_________________________
Sometimes you have to burn a few bridges to keep the crazies from following you.

Return to Top
Page 114 of 196 1 2 112 113 114 115 116 195 196