We have started a new referral program to pay bank employees a modest fee to send possible borrowers to our real estate department. Can we do this?
In calculating total direct and indirect debt, isn't a limited guaranty counted at the percent it is limited to?
Our bank sells credit life and offers it to our clients. Is the credit life sale disclosure required to be signed by the applicant. Is there such a disclosure with no signature requrement?
Must our Loan Originators (LO) be registered on the NMLS Registry?
Which violations result in the highest penalties?