Because small and intermediate small banks are not required to report annually for CRA, how can they assess their performance against that of similarly sized bank?
We have a customer who we recently refunded $630 of Returned NSF Fees and Continued Negative Balance Fees to after stating the items came thru sooner than scheduled (Reg E). The account went positive for one day and has now been negative for 17 days since (62 days NSF last 12 months). She has another account that is currently positive but that account has also had 41 days NSF. Can we close her accounts due to account abuse or failure to maintain account in a responsible manner?
If a personal checking is protected by a second personal checking (sweep) for the purpose of Overdraft Protection should the child account reflect the available balance of both accounts?
Have mobile deposits become subject to Regulation CC yet?.
We are a small bank for CRA and do not collect gross annual revenue for some of our small business lending products. What is the best thing to do for CRA audits and exams to analyze our data?