Thursday, March 28, 2024

Legal

March 2008 Legal Briefs

Understanding Representative Payee Accounts When is a Representative Payee Appointed? Correct Account Styling Guardian/Rep Payee Successor Trustee/Rep Payee POA/Rep Payee Only a Rep Payee Only an Authorized Signer Joint Accounts Organizational Rep Payees Rep Payees for Children

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February 2008 Legal Briefs

Replacing a Cashier’s Check Based on Declaration of Loss Basis for Charging “Unauthorized” Items to Customer’s Account Other Ways a Forged Signature is Not a Forgery

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December 2007 Legal Briefs

Discussion of Identity Theft Red Flags Developing Responses to Red Flags Suspicious Activity Reports & Privacy Exceptions Example of SAR Filing       Credit Report Alerts & Notices Suspicious Documents Suspicious Personal Identifying Information Unusual Use/Suspicious Activity on Account Notice of Identity Theft

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August 2007 Legal Briefs

Background on Subprime Mortgages Interagency Guidance on Subprime Mortgages Statement’s Coverage What is “Subprime”? Substantial Risk Factors Balloon Payments? Consumer Protection Principles Underwriting Standards Control Systems 

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July 2007 Legal Briefs

Consumer Loan Dollar Amounts Adjust on July 1 Changes to Identity Theft Provisions All ATV’s Transferred After June 30, 2008 Require Titles & Liens How to Re-title a Mobile Home Merged Into the Real Estate Commissioner’s Bill Includes Several Miscellaneous Changes

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June 2007 Legal Briefs

Changes to Oklahoma’s Vulnerable Adult Abuse Reporting Provisions Financial Neglect; Exploitation Specific Duty to Report Avoiding Singling out Banks  Expanded DHS Powers Illegal Immigration: How H.B. 1804 Affects Banks, Other Businesses Citizenship/Immigrant Verification Independent Contractor Verification “Harboring” Illegal Immigrants Restriction on Issuing ID’s Other Provisions Economic Costs

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