Vendor Guru Q&A - Lending

Latest Lending - Technology Topics

Exception Reporting Software Features

08/30/2020

What features should we look for in an exception reporting system?

E-SIGN when paper is still used

06/07/2020

If we are still delivering disclosures and statements in paper form, do we have to be concerned with E-SIGN or UETA?

Tweets that haunt

03/08/2020

Since some employees have used social media for years without a problem, I guess I don’t understand why there is concern now about risks. What risks are there?

Hang ups and Do Not Call lists: When Must a Consumer be Removed?

02/23/2020

Many times when I get a call I start to say “remove this number from your call list” but the caller hangs up before I’m done. Is this illegal since they didn’t provide time to get this request? If so, we should train our calling staff to listen for this and proceed as you mentioned, to remove the number, correct?

Member FDIC on the WWW

10/27/2019

Is there an FDIC requirement that the "Member FDIC" logo be on all our pages and link to the FDIC website?

E-SIGN and paper

03/31/2019

If we are still delivering disclosures and statements in paper form, do we have to be concerned with E-SIGN or UETA?

Revisions and Old/New Requirements in EGRRCPA

06/24/2018

Is there a new Qualified Mortgage rule?

Why you should NOT change your HMDA filing -- yet

06/17/2018

I’ve heard with the new law our HMDA requirements will be like 2017, is that right?

E-SIGN when paper is still used

04/29/2018

If we are still delivering disclosures and statements in paper form, do we have to be concerned with E-SIGN or UETA?

Buy or Build: Transforming Commercial Credit Origination

12/10/2017

When considering new technology for credit origination, how can banks decide whether to build in-house or buy an existing technology?

Increasing Construction Only Loan-Disclosure

04/18/2021

I have a personal construction only loan that we are increasing. How do I disclose the fees that are associated with the increase? Can the bank charge a processing fee? The rate and maturity date are not changing.

Loan Servicing and Exception Reports

04/18/2021

How is loan servicing involved in exception reporting?

Language for "Required Deposit" Reg Z/Collateral

04/18/2021

We made a closed end loan secured by a vehicle and a CD. The disclosure statement is missing language pertaining to the "required deposit". Where in Reg Z can I find the information stating that both collateral items need to be listed on the disclosure statement if they truly do need to be listed?

HELOC Renewal with Outstanding Balance

04/16/2021

We have a HELOC up for renewal. The borrower has now moved and the home used is not his primary residence. He is currently renting out the property used for the HELOC. What are our options since there is still an outstanding balance?

FDIC BankFind vs. FDIC Institution Directory

04/11/2021

What’s the difference between the FDIC BankFind and FDIC Institution Directory?

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