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#2097547 - 09/08/16 07:18 PM Re: Random Thoughts Peepers
CompliantOkie Offline
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CompliantOkie
Joined: Dec 2013
Posts: 423
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.

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#2097551 - 09/08/16 07:22 PM Re: Random Thoughts CompliantOkie
GuitarDude Offline
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GuitarDude
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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
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#2097553 - 09/08/16 07:26 PM Re: Random Thoughts GuitarDude
CompliantOkie Offline
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CompliantOkie
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Posts: 423
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.

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#2097633 - 09/09/16 01:39 PM Re: Random Thoughts Peepers
Little Miss BSA Offline
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Little Miss BSA
Joined: May 2007
Posts: 1,185
Miami
TGIF!!!!!
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#2097639 - 09/09/16 01:53 PM Re: Random Thoughts Cornfed Turtle
RR Joker Offline
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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
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#2097678 - 09/09/16 03:42 PM Re: Random Thoughts RR Joker
mtngrrl Offline
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mtngrrl
Joined: Mar 2011
Posts: 475
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.
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#2097685 - 09/09/16 04:05 PM Re: Random Thoughts RR Joker
Cornfed Turtle Offline
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"...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!

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#2097697 - 09/09/16 04:27 PM Re: Random Thoughts Peepers
CompliantOkie Offline
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CompliantOkie
Joined: Dec 2013
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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.

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#2097715 - 09/09/16 05:17 PM Re: Random Thoughts Peepers
RR Joker Offline
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RR Joker
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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!
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#2097723 - 09/09/16 05:40 PM Re: Random Thoughts RR Joker
Cornfed Turtle Offline
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"...Somewhere in Middle Americ...
Amen!

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#2097726 - 09/09/16 05:46 PM Re: Random Thoughts Cornfed Turtle
Cornfed Turtle Offline
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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)

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#2097727 - 09/09/16 05:50 PM Re: Random Thoughts Peepers
CompliantOkie Offline
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CompliantOkie
Joined: Dec 2013
Posts: 423
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!

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

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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

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#2097742 - 09/09/16 06:21 PM Re: Random Thoughts Peepers
RR Joker Offline
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RR Joker
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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.
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#2097744 - 09/09/16 06:30 PM Re: Random Thoughts Peepers
Truffle Royale Offline

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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.

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#2097745 - 09/09/16 06:33 PM Re: Random Thoughts Truffle Royale
RR Sarah Offline
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RR Sarah
Joined: Mar 2004
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Up North
I don't think she was talking about lending but rather acquiring a branch in a MSA.
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#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.

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#2097763 - 09/09/16 06:57 PM Re: Random Thoughts Peepers
MyBrainHurts Offline
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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.
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#2097766 - 09/09/16 07:00 PM Re: Random Thoughts Peepers
RockChucker, CAMS Offline
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Joined: Jul 2013
Posts: 1,691
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.
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#2097772 - 09/09/16 07:17 PM Re: Random Thoughts Peepers
Soccer Offline
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Posts: 1,025
Utopia
Yup, oral disclosure is a requirement.
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#2097773 - 09/09/16 07:18 PM Re: Random Thoughts Peepers
Peepers Offline
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and mimed
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blah

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#2097778 - 09/09/16 07:26 PM Re: Random Thoughts Peepers
CompliantOkie Offline
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CompliantOkie
Joined: Dec 2013
Posts: 423
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.

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#2097780 - 09/09/16 07:28 PM Re: Random Thoughts CompliantOkie
RR Becca Offline
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RR Becca
Joined: Sep 2004
Posts: 5,245
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
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#2097784 - 09/09/16 07:36 PM Re: Random Thoughts Peepers
Skittles Offline
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Skittles
Joined: Sep 2002
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TN
I LOVE interpretive dance.
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#2097786 - 09/09/16 07:37 PM Re: Random Thoughts Skittles
RR Sarah Offline
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RR Sarah
Joined: Mar 2004
Posts: 2,494
Up North
I should add that to my training notes to see who actually is paying attention!!
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