Impact of fee disclosures on HMDA reporting
03/13/2016
The changes to HMDA are not effective until January 1, 2018, so what is the fee concern related to HMDA at this time?
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03/13/2016
The changes to HMDA are not effective until January 1, 2018, so what is the fee concern related to HMDA at this time?
03/13/2016
Does a customer need a reason for a stop payment?
03/06/2016
Can we report a past due loan to the credit bureau when SCRA protections apply?
03/06/2016
We don't make high-cost mortgage loans, so we don't need to worry about the "total of points and fees." Right?
03/06/2016
Our depositor stopped payment on a check. Two weeks later, his account was debited by an ACH item with the serial number and dollar amount of the stopped check. Our customer called to complain two weeks after that, when he got his statement. Is she entitled to a refund for the payment?
03/06/2016
We have a loan secured by a three-unit property. Two of the units are apartments and one unit is a storefront. Should we report the property as 1-4 family?
03/06/2016
Why do we have to investigate all Reg E EFT claims?
02/28/2016
Our software calculates the finance charge, the APR, the rate spread and the total of points and fees for us. Isn't our risk very limited?
02/28/2016
We missed a stop payment and paid the check two days ago. Can we still return the check?
02/28/2016
We have engaged an external IT security company to provide strong security for us. Do we still need a cyber incident response plan?