Reg O in a Box
05/04/2018Pam Zbylut put Reg O in a box! By making the box fairly devoid of "regulatory gobbletygook", Pam reports it works well for the loan officers.
Lending Tools
Gathering Demographic Info under HMDA
05/04/2018Heather Carlson created a training tool for the 2018 HMDA data collection.
Loan Management Study
09/25/2017From AccuSystems, this is a free whitepaper coming from a study of 82 community banks. 76% consider their loan management at least “moderately efficient." Explore some best practices for streamlining your operations.
Exception Spreadsheet
05/17/2017From our friends at AccuSystems, this is a free spreadsheet to track exceptions. It includes the basic logic from its exception management software made simple.
CDD Starter Checklist
05/15/2017Have you begun change management procedures on the new Customer Due Diligence and Beneficial Ownership rules?
SCRA-MLA Quick Reference Guide
09/14/2016A chart in tabular format that compares and contrasts the Servicemembers Civil Relief Act and the Military Lending Act.
Minimum Flood Coverage Calculator
05/06/2016With the input of the loan balance, property value and type of property the spreadsheet calculates the minimum flood coverage required.
TRID Date Calendar
10/02/2015Confused by the TRID date rules? Based on the application date, when is the Loan Estimate required to be delivered, when is it considered received, how do Changed Circumstances change things, when are Closing Disclosures required and when can you close the loan?
Fair Lending Training
03/01/2013Fair lending PowerPoint - starter document requires current enforcement actions to be timely.
Banking for Servicemembers
03/01/2013A procedure and letter templates for handling SCRA requests.
FCRA - Credit Report Direct Dispute
03/01/2013Forms to assist you in receiving and resolving FCRA direct disputes.
FCRA - Identity Theft Protection Provider Worksheet
03/01/2013Forms to assist in vendor selection with FCRA Red Flag rules, and a summary of the rules.
FCRA Notice to Home Loan Applicant - Credit Score Discl.
03/01/2013This is a Notice to Home Loan Applicant and Credit Score Disclosure form, plus a separate instruction sheet.
Ability to Repay - Reg Z
02/15/2013This is an easier to understand version of the ATR requirements.
Adverse Actions Notice Audit Workpaper
08/01/2012This audit, QC tool is used to make sure all HMDA information required either by reg or investor is in the file and compare it to the information in the software that reports LAR data.
Reg Z - High Priced Mortgage Loan Checklist
05/12/2012High Priced Mortgage Loan Checklist and Worksheet.
Fair Lending Worksheet - Second Review
05/01/2012This Second Review sheet is a guide to document that all considerations were given to the applicant(s) prior to denial.
Changed Circumstance Documentation
10/21/2011Documents an audit trail for changed circumstances when you reissue Good Faith Estimates.
Interagency Flood Q&A
10/01/2011Interagency Q&A on Flood, Oct. 2011.
APR Quotation Tables
07/15/2011Excel tables that can be customized so that correct APR disclosures can be made to customers, as required by Reg Z.
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