Can you please tell me what charters/policies are required to be disclosed on our website? Also, does our Whistle Blower Policy need to be included on our website?
What website information are we required to keep? Are we required to store our old website pages on the server?
Is it a requirement to provide the Funds Availability Policy, HMDA Disclosure, and our Annual Disclosure Statement on our bank's website for customers to read?
We have a POS and LOS system for our mortgage applications. My question is, if a Member starts an application on the website, runs a credit report but closes out of the system before they have finished the input and the Desktop Underwriter doesn't make a credit decision, does this loan have to be submitted to HMDA? It can't be pushed to our LOS system without the DU response and is considered an "unsubmitted" by our company. Please advise.