Provides a full range of legal services to financial institutions, including representation before all federal & state regulatory agencies, capital planning and structuring, securities offerings, mergers & acquisitions, regulatory compliance, commercial loan documentation, tax planning, employee benefits & litigation. CONTACT INFORMATION: Contacts: Bruce Crum, Bob Luttrell, Gregg Eichner, Matt Brown, & Kaitlyn Chaney 211 N Robinson, Two Leadership Square, Eighth …

Support a company who supports the OBA and the member banks. Versateq has been operating in Oklahoma for 35 years, providing banks with a wide variety of consumables. These include generic banking supplies, print/stationary, internal/counter MICR forms, checks, promotional items and much, much more. Our goal is to be a one-stop shop for community banks. How may we help you? …

For over 35 years, Summit Financial Group has been a trusted resource, guiding clients to pursue their financial goals with tailored solutions in Risk Management, Employee Benefits, Insurance, Retirement Plans, Wealth Management, and Medicare. Our team combines strategic expertise with a process-driven, personalized approach to deliver meaningful results. Driven by our core values of integrity, commitment, and innovation, we help …

Sole Proprietorships and General Partnerships S.A.F.E. Act Guidance Fair Lending Common Violations in 2011 ’Tis the Season – For Tax Refund Fraud Bureau Clarifies Reg Z Loan Officer Compensation Rule Mining the OCC’s Citibank C&D for Nuggets Mortgage Servicing Change is in the Wind

NOW Account Eligibility Mobile Banking Survey CFPB Complaints FinCEN’s Notice on CDD Paperless Treasury Payments More Call Report Changes Coming FHA Mortgage Pricing Cuts SAFE Act Exam Procedures Posted Extra Time to Respond to Comments Checking Out Non-profits CTR Guidance – Businesses with Common Ownership

• Overdrafts and UDAP • MLO Compensation Issues • FDIC Helps with Understanding Cards • Mortgage Fraud Update • SAR Confidentiality • Playing with your Regulatory Numbers • Deposit Insurance Coverage Training • Payment Processor Relationships  

• The Bureau of Consumer Financial Protection has a Director and the republishing of rules has begun. At the present time, the only major "new" language is in the CFPB’s new Reg E amendments on foreign remittances transfers. Since those don’t take effect until 2013, we will write about them in a future issue. For now, we want to share …

By Andy Zavoina Compliance To-Dos for the New Year By Pauli D. Loeffler Corporations and LLCs By John S. Burnett Reg Q – Gone, but Not Forgotten

By Mary Beth Guard FDIC Talks Internet Banking HMDA LAR Update SAFE Act Renewals Payment Order The BCFP “Gets It” The Big “Why” – Part 3  EFTA Q&As

By Mary Beth Guard  Updated flood guidance OCC Reg E booklet revised Farewell to paper savings bonds Enforcement actions Examiners Can Be Too Soft The Big “Why” – Part 2  EFTA