Hmmm. Makes me think we might need to amend our application procedures to modify our definition of an application to include some language around "received from a customer who can be positively identified." That way there can be no possible expectation for HMDA or Reg B purposes that we take any action on that incomplete application other than potentially file a SAR if required.
_________________________
Jim Bedsole, CRCM, CBA, CFSA, CAFP
My posts - my opinions