Oil and water. Cats and Dogs. Fire and Ice. Such are the comparisons often used to describe the relationship between compliance and marketing. Are they really two opposing forces always in conflict and rarely compatible?
With violence at historical levels, what can we do to protect ourselves? Lone workers face an increased risk for assault or violence on the job. This may be from members of the public, intruders, or customers.
This webinar will focus on the key points that financial institutions need to be aware of relating to their real estate valuation program and portfolio to ensure they are operating in compliance with regulatory requirements.
Mistakes happen. Even strong compliance programs can have a slip-up, and you may find your bank has wrongfully disclosed the Annual Percentage Rate (on a loan) or the Annual Percentage Yield (for a deposit product).
Nobody wants compliance mistakes but when they are tolerable and in moderation, you learn from them and that’s an improvement. Mistakes can be great when you learn from someone else’s because you don’t suffer the consequences.
Recorded on February 15, 2023
Taking a Fresh Look at Qualified Mortgages and the Ability-T
The ATR / QM rule is approaching its 10th Anniversary. Somebody – maybe you – were involved in developing your bank’s program back in the day, but have you re-evaluated it since then?
The 2018 modifications to HMDA were massive and many financial institutions are still dealing with the challenges of collecting data under the burdensome new requirements.
It is a fact that, “you don’t know, what you don’t know.” But you will be responsible for all things compliance that you should know. You are responsible for ALL of the compliance changes, updates and guidance issued in 2022.
Do you ever feel at a loss for where to start in compliance research? Do you have an inkling the answer is out there somewhere, but you’d have better luck winning the lottery than finding the concise answer to that tough compliance question?
There are many ways to violate military lending rules and some lenders are actively doing this. One lender just agreed to pay a $225,000 because they were not providing the interest rate adjustments the SCRA requires.