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Vendor Guru Q&A - Lending

Safety and Soundness Topics in Comptroller’s Handbook

Responsibilities of OCC Examiners

Number of OCC-Supervised Banks in the US

Lenders and Document Imaging Software

Bank Uses of FDIC BankFind

Latest Lending - Reg. Z Topics

Eligibility for SCRA rate cap

02/28/2021

A soldier’s mother called to tell us her son joined the Army. Do we have to reduce the loan rate that day?

Debt-to-income ratio

02/21/2021

Does the General QM still require a 43% debt-to-income ratio.

Prepayment Penalties

02/14/2021

Do the revised rules restrict prepayment penalties?

Military Status and Foreclosure

02/14/2021

If our borrower hasn’t requested SCRA protection and is past due on her mortgage, can we start foreclosure as we normally would?

Appendix Q

02/07/2021

Does the revised General QM option still require use of Appendix Q?

Redlining is real

02/07/2021

Is redlining real? It seems to be an antiquated type of violation.

MLA - Open-end and ODP Coverage

02/07/2021

The Military Lending Act does not specify if the Act applies to an open-ended Overdraft Protection line that is tied to a checking account or a closed-ended loan secured by the applicants’ deposit accounts such as a savings and/or certificate of deposit. Does the Rule apply to both consumer credit types?

FDCPA is important to banks

01/31/2021

Why am I concerned with the FDCPA since it applies to third party collectors?

Seasoned QM

01/31/2021

Does the new Seasoned QM option apply to loans already in our portfolio?

Required Changes

01/24/2021

Are we required to make changes in response to the new final rules?

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Regulation Z Ability to Repay (ATR) Monthly Payment Underwriting Calculation Quick Reference Guide

Effective January 10, 2014, the Standard Ability-to-Repay (ATR) and Qualified Mortgage (QM) regulations require Creditors to determine a consumer’s ability-to-repay the covered transaction using th

CFPB Mortgage Servicing Tools

The CFPB updated its Small Entity Compliance Guide (Version 3.1) for the 2016 Mortgage Servicing Final Rule on March 29, 2018, to incorporate the changes made by the March 8, 2018 final amendments.

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Most Popular Lending Content

Bank Uses of FDIC BankFind

02/28/2021

How can a bank benefit by using FDIC BankFind?

Eligibility for SCRA rate cap

02/28/2021

A soldier’s mother called to tell us her son joined the Army. Do we have to reduce the loan rate that day?

Partial Exempt Fields

02/28/2021

On the exempted data fields, am I correct that some of the fields you type "exempt" and others you type 1111?

Lenders and Document Imaging Software

02/21/2021

How can a document imaging system make lenders more efficient?

Debt-to-income ratio

02/21/2021

Does the General QM still require a 43% debt-to-income ratio.

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