Thursday, December 1, 2022

Legal Briefs

July 2011 Legal Update

By Mary Beth Guard:

  • THE CALM BEFORE THE STORM

By Pauli D. Loeffler

  • REVISED OKLAHOMA GARNISHMENT FORMS
  • GARNISHMENT QUESTION OF THE MONTH – BANKRUPTCY

By John S. Burnett

  • OCC “DROPS THE OTHER SHOE” ON OVERDRAFTS
  • OCC’S PROPOSED GUIDANCE ON “DEPOSIT ADVANCE”

By Andy Zavoina

  • REG Z AMENDED – DON’T BLOW THIS OFF
  • MORTGAGE DELINQUENCY NOTICE UPDATE
  • MID-YEAR CHECKUP

 

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June 2011 Legal Briefs

By John S. Burnett

  • Federal Garmishment Regulation Update

By Andy Zavoina

  • Exam Procedure Changes:  SCRA and Tenants in Foreclosure Act

By Pauli Loeffler

  • You asked for it…Combined GFE/TIL
  • Reg Z Exemption Amount Increased/Reg Z and Oklahoma’s Uniform Consumer Credit Code("U3C") Coverage Compared
  • Consumer Loan Dollar Amounts Adjust on July 1

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May 2011 Legal Briefs

By John S. Burnett

  • The Interagency Appraisal and Evaluation Guidelines
  • FDIC Posts OD Guidance FAQ
  • Fed and FDIC Propose to Pull Interest on Deposits Regs

By Pauli Loeffler

  • SHELTER FROM THE STORM – Garnishments, Part Two

By Andy Zavoina

  • Good News and Bad News about a New LAR is in Your Future
  • New FDIC CRC Address
  • Good 1099 News

 

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April 2011 Legal Update

By Mary Beth Guard

  • Appraisals: What’s Changed

By John S. Burnett

  • New Federal Reg to Protect Direct Deposit Benefits Recipients
  • Fed Publishes Final HPML Escrow Rules
  • Fed Announces Another Reg Z Proposal
  • Proposed Reg CC Overhaul Would Mean Shorter Holds, Less Paper
  • Credit Card Rules "Clarification" Published

By Pauli Loeffler

  • The Times They are a-Changin’: How to Deal with Garnishments in Oklahoma after May 1, 2011

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March 2011 Legal Update

By Mary Beth Guard

  • Privacy Notices
  • Compensating Loan Officers
  • Anti-Steering Rules
  • New Appraisal Rules

By John S. Burnett

  • Coping with the FDIC’s Overdraft Guidance

By Andy Zavoina

  • SCRA

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February 2011 Legal Update

By Mary Beth Guard

  • SAFE Act Registry Opens
  • SCRA Becomes a Front Burner Issue
  • New Payment Schedule Disclosures
  • Poof! Proposed Rules Are Gone!
  • Compliance Roundtable Meeting
  • Signs, Signs, Update Your Signs
By John Burnett
  • The Latest in Deposit Insurance
  • Standard Maximum Insurance Amount
  • TAG—Oct. 14, 2008–Dec. 31, 2010—R.I.P.
  • Temporary Unlimited Insurance — Dodd-Frank Act § 343
  • The Last Word (For Now)
 By Pauli Loeffler
  • Revisiting Regulation V: Risk-based Pricing
  • Bankruptcy Practice Pointer: The Co-Debtor Stay
  • Question of the Month (and then some): Revocable Trusts
By Andy Zavoina, CRCM
  • Lending Reg BOOT CAMP: HMDA

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January 2011 Legal Briefs

Federal S.A.F.E. Act Registry Will (Probably) Be Up By January 31, 2011

Banks May Not Accept Tax Deposit Coupons after December 31, 2010

FDIC Insurance Coverage Changes Effective January 1, 2011

Regulators Increase HMDA, CRA Thresholds Effective January 1, 2011

New Reg Z Interim Final Rule Regarding Appraisal Independence Places Major New Burdens on Banks

MDIA Interim Rule effective January 30, 2011 Changed Again

Compliance Dates Roundup

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December 2010 Legal Update

OBA’s Legal Department Introduces New Frequently Asked Questions Feature!

Recent Case Sanctions Fraud Loss Shifting Provision in Commercial Deposit Account Agreements

Compliance Dates Roundup

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November 2010 Legal Update

New CRA Regulation Effective 11/3/2010

Model Privacy Notices Safe-Harbor Under Reg P Will Change Effective 1/1/2011

New Final Rule Amends Reg Z, Prohibiting Certain Loan Originator Compensation and Steering Practices. Compliance Mandatory 4/1/2011

Federal Reserve Board Rule Reflects Delay in Gift Card Disclosure Requirements to 1/31/2011

Federal Reserve Board Announces Annual Indexing of Reserve Requirement Exemption Amount and Low Reserve Tranche for 2011

FDIC Issues New Guidance on Golden Parachute Applications

Compliance Dates Roundup

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October 2010 Legal Update

Dodd-Frank Act Provides Changes to FDIC Insurance Coverage; TAG Program to Terminate 12/31/2010

Primer on Financial Privacy Issues

Compliance with Risk-Based Pricing Final Rule Mandatory January 1, 2011

National Flood Insurance Program Extended through September 30, 2011

Compliance Dates Roundup

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September 2010 Legal Update

Final Guidance on Sound Incentive Compensation Policies

Interim Rule Requires New Disclosures for Consumer Mortgage Loans; Compliance Deadline January 30, 2011

New TILA Requirement of Notice When Mortgage Has Been Sold or Transferred; Compliance Mandatory January 1, 2011
Department of Justice Final Rule on ADA Standards for Accessible Design and New Proposed Rules Will Affect Banks

Compliance Dates Roundup

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August 2010 Legal Update

Final S.A.F.E. Act Rule Adopted

School Warrants – A Primer
Oklahoma H.B. 2936 Increases Fees for Compliance with State-Court Subpoenas Effective 11/1/2010
HOEPA Dollar Trigger Increased Effective 1/1/2011

Compliance Dates Roundup
 

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July 2010 Legal Update

New Same-Day FedACH Service Available August 2, 2010

Avoiding Potential Pitfalls With Motor Vehicle Liens

Oklahoma Department of Consumer Credit Updates Statutory Dollar Amounts Effective July 1, 2010

Regulators Issue Final Guidance on Correspondent Concentration Risks

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June 2010 Legal Update

Clarifications Made to Reg E Regarding Restrictions on Overdraft Charges on ATM and One-Time Debit Card Transactions Further Revisions to Reg E (Overdraft Protection)

HIRE Act Provides Tax Incentives to Employers to Hire in 2010
 
FDIC Issues Guidance for Periods of Lapse of Flood Insurance Authority
 
Executive Order 13496 Requires Posting of Notice of Employees Right to Organize by June 21, 2010 – Affects Some Banks
 
Using a “Mark” as a Signature, What Is Required and What Risks Are There to the Bank?

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May 2010 Legal Update

TAG Program Extended Through December 31, 2010

Mortgage Loan Officers Not Exempt Under FLSA According to New DOL Interpretation

Banks’ Right of Setoff vs. Federal Exemption for Social Security and Other Exempt Federal Benefits – Which Wins?

S.A.F.E. Act Update

Compliance Dates Roundup

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