Tuesday, November 29, 2022

Legal

OBA Legal Briefs – January 2005 – October 2022

Legal Briefs Index October 2022 OBA Legal Briefs September 2022 OBA Legal Briefs August 2022 OBA Legal Briefs July 2022 OBA Legal Briefs June 2022 OBA Legal Briefs May 2022 OBA Legal Briefs April 2022 OBA Legal Briefs March 2022 OBA Legal Briefs February 2022 OBA Legal Briefs January 2022 OBA Legal Briefs December 2021 OBA Legal Briefs November 2021 …

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October 2022 OBA Legal Briefs

Concerns about overdrafts and fees grow (Part 2) 2022 OK legislative changes A Reg O FAQ Concerns about overdrafts and fees grow — Part 2 By John S. Burnett In Part 1 of this article, I began a review of the FDIC’s August 18, 2022, “Supervisory Guidance on Multiple Re-Presentment NSF Fees,” issued with FIL-40-2022 (https://www.fdic.gov/news/financial-institution-letters/2022/fil22040.html). I ended Part 1 …

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September 2022 OBA Legal Briefs

Concerns about overdrafts and fees grow (Part 1) Repossessions and the SCRA Concerns about overdrafts and fees grow — Part 1 By John S. Burnett Regulators have run hot and cold on the topics of overdraft programs and associated fees for well over a decade. A few landmark issuances along that rocky road were: The 2005 Interagency Joint Guidance on …

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August 2022 OBA Legal Briefs

COVID coughs up and update FCRA is on the front burner COVID coughs up an update by Andy Zavoina Perhaps your staff is all back in the bank, some are travelling for summer vacation, masks are seen sparsely, and COVID-19 seems to be something viewed only in the rearview mirror. But that does not mean the pandemic is over, or …

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July 2022 OBA Legal Briefs

What’s new with Reg B? – A Lot! Electronic liens What’s new with Reg B? – A lot! by Andy Zavoina In a world where Reg B has essentially been around since 1974 when Congress passed the Equal Credit Opportunity, after all these years there can’t be much new to it – right? WRONG! While it has not changed recently, …

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June 2022 OBA Legal Briefs

Please help us to help you (Part 2) Oklahoma Mini-TCPA Tit. 47 O.S. § 1110 (Perfection of Security Interest) Tit. 47 O.S. § 427A/§ 1105A (Electronic filing, etc., of Titles) – REVISED Changes in UCCC amounts effective 7/1/22 Please help us to help you (Part 2) by Andy Zavoina Last month, Pauli asked you to include certain information in your …

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May 2022 OBA Legal Briefs

Please help us help you Lender credits on the TRID closing disclosure MLA and GAP Overdraft fees are not interest Please help us help you By Pauli D. Loeffler You may have missed the notice on the Oklahoma Bankers Association’s webpage regarding issues the OBA Legal and Compliance team is experiencing with emails sent to us. Regardless of the fact …

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April 2022 OBA Legal Briefs

Nacha warranties and old unauthorized ACH debits P2P complaints Fair banking Nacha warranties and old unauthorized ACH debits By John S. Burnett Your bank just wrapped up its investigation of a consumer’s Regulation E claim involving a series of unauthorized ACH debits made by a gymnasium. Your customer, Sam, got a notice that the gym was being closed “temporarily” on …

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March 2022 OBA Legal Briefs

The Beneficial Ownership Rule hasn’t gone away UDA(A)P is becoming all the rage! The Beneficial Ownership Rule hasn’t gone away By John S. Burnett The Corporate Transparency Act of 2021 (CTA) was enacted by Congress on January 1, 2021, as Title XIV of the William M. Thornberry National Defense Authorization Act for 2021, Public Law 116-283. It added a new …

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