For a particular deposit club plan, we offer several incentives, one of which is providing the customer with a free credit report. My understanding is that on request,our loan department will run the report for the customer.
I'm really struggling with understanding the regs on this one. May I ask why you do not believe that an incentive such as a discounted historic tour would not be a bonus? It would seem to me that this is not a banking related service and if the cost is more than the limit under Reg DD, then it would be considered a bonus. Am I misunderstanding this rule?