Latest Operations - Real Estate Lending Topics

Florida Law and Trustee on Deed of Trust

06/28/2020

Does Florida law require that a trustee on a Deed of Trust be a resident of Florida?

When “click here” is E-SIGN risky

06/07/2020

Our customers who want e-disclosures click on an “Enroll Me” link. Is that good enough for compliance?

Unopened e-statements?

05/31/2020

If we send e-statements are we required to monitor whether they are being read, and if the customer is not opening them, do we have to revert back to paper?

E-SIGN timing and demonstrable consent

05/24/2020

We like having customers sign up for Internet banking when they open their accounts. Is this acceptable for E-SIGN, or is more needed?

2020 Regulatory Alert: CFPB Regulatory Initiatives

05/03/2020

What are current CFPB Regulatory Initiatives?

Relax, all lending rules are relaxed

04/26/2020

Examiners keep saying to assist our customers. We recognize the immediate need and want to help. It’s obvious we can help, and the rules are relaxed now, so what can’t we do?

New CFPB Rules on Debt Collection

04/26/2020

What do the proposed CFPB rules on debt collection say?

New CFPB Reporting Guidance: Loans in Forbearance

04/19/2020

The CFPB recently released new guidance on reporting natural disasters and loans in forbearance. Where can we find this information?

Banker Beware: The CFPB Taskforce on Federal Consumer Financial Law

04/12/2020

How has CFPB Director Kathy Kraninger attempted to improve and strengthen consumer financial laws and regulations?

UDAAP Alert: CFPB Contemplates "Abusive" Standard

04/05/2020

Is the CFPB expected to take any UDAAP actions this year?