02/25/2013
Are there any regulations that govern ATM card issuing for rep payee accounts (SSI/SSA)?
01/14/2013
Is the "Official Interpretations" section of Reg E subpart B Remittance Transfers part of the Reg or just someones interpretation? Section 1005.33(a)-5. i., ii., and iii. Procedures for Resolving Errors. This makes no sense to me to hold the sending bank accountable for something beyond their control. I would think an error such as this would fall under "Extraordinary Circumstances." I have to present this to our President and CFO so your answer on this would be greatly appreciated.
04/16/2012
Looking for standards as they may apply to primary doors going into a branch office. I base the primary door used as the one most visible. Other doors such as rear or side doors should not be used except for emergency.
04/09/2012
Where can I find some detailed information on e-banking?
06/06/2011
I want to understand the structure of an e-banking system. I intend to prepare and submit a proposal for implementing an e-banking solution for my bank. What infrastructure should be in place? Is the solution software based? What are the hardware and software required?
05/02/2011
Can an institution accept a deposit by matching a name or social security number if the account number is invalid?
04/25/2011
During one of our recent exams, it was suggested by the examiners that we open accounts online (which surprised us); they would like us to phase out our brokered deposits and felt we could replace these deposits by opening accounts online. I have been trying to gather some information on what is involved in opening accounts online, in particular the risks involved; how to handle CIP, how to handle disclosures and how to obtain the initial deposit. I put out a question on Banker Threads, but did not receive much information. Can you direct me to any information that would help?Also, our president would like me to do a comparison to Free Checking - the pros and cons vs online accounts. While I have not experienced opening accounts online, I have been at a bank (some years ago) that offered free checking and we had a good experience. Few losses, customers really liked not having to worry about a maintenance fee, and the average balance tended to be around $3,000. I was wondering if you could direct me to any other sources that might be able to provide information or statistics on free checking?
02/21/2011
We have a customer who filed several Reg E claims. During our investigation we referred the claim to our Security Director who wanted to meet with the customer to discuss the possible identification of a party caught on video. The customer has not returned numerous phone calls and e-mails. Can we refuse the claim for lack of cooperation on the customer's part?
12/06/2010
Between the potential for customer files and account trials to walk away and the possible introduction of viruses, I am curious as to what kinds flash drive controls (if any) are being implemented and/or if regulators have started questioning this.
11/29/2010
We are deciding whether or not to provide e-statements on our internet site. What are the required disclosures needed to provide this service? I understand that the customer can choose whether or not to receive his/her statement electronically.