Most Popular Lending Content
Regulatory Burden: How Much Really?
11/01/2004
We've all heard the griping about regulatory burden. We've even griped ourselves.
HOEPA and Demand Clauses
11/01/2004
Does HOEPA apply if the loan has an "On Demand" clause?
FACT Act: Final Rule on Identity Theft
11/01/2004
It's official. The final rule on the identity theft flags and active duty alerts is out. It takes effect on December 1, just in case you had nothing planned for Thanksgiving.
HELOC Disclosures
11/01/2004
We are an FDIC regulated bank and are considering starting to offer HELOCs. What are the required disclosures and are there good "cheat sheets" you could recommend? I am fairly new to compliance and would appreciate some help in understanding this product.
Do We Send Disclosures to HELOC or Credit Card Accounts?
10/25/2004
Many credit card and HELOC accounts allow customers to take advances by writing checks. Will we need to make Check 21 disclosures to these customers?