Vendor Guru Q&A - Lending

Latest Lending - Technology Topics

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?

Traditional vs Alternative Lending

11/12/2017

What can traditional banks learn from alternative lenders?

Competing in Small Business Lending

11/12/2017

How do banks start serving small and medium-sized enterprises again?

Tangible Costs of Maintaining Paper Loan Files

05/31/2020

What tangible costs are associated with paper loan files?

Address on Adverse Action Notice

05/31/2020

What if you do not have a complete address to send an adverse action to?

Escrow Statements and Past Due Loans

05/31/2020

If a loan is delinquent for more than 30 days and the annual escrow statement is not sent, can the annual analysis still be ran and if the loan is re-instated, the history provided at that time? To clarify, still run the annual analysis and provide all if the account is re-instated when the annual statement being provided is resumed.

Deadline for TRID's Loan Estimate

05/31/2020

Assume we have a real estate application with all six needed items received on the weekend when business is closed. We open only Monday - Friday but it could come in electronically. Is the deadline for TRID's loan estimate Wednesday or Thursday?

Service member’s Death and Protections

05/24/2020

How is the bank protected in the event of a death of a single service member?

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