- ATR and QM
- Refinancing existing loans
- Safe harbors
- QM product features
Legal Briefs
February 2013 Legal Briefs
- The new mortgage servicing rules
- New appraisal rules
- Lending to the military – the CFPB’s new role
January 2013 Legal Briefs
- Out of state, tribal and CFR court orders
- ATM notice relief
- Hot topics for 2013 from the FRB
- COPPA update
- Deposit insurance reminder
- Remittance transfers: a brief reprieve
- Religious headgear and compliance
December 2012 Legal Briefs
- Corporate Account Takovers
- ATMs and the ADA
- Q&As on Getting Rid of Customer Property
- Foreign Remittance Transfer Rule to Change – Again
- FDIC Guidance on the Scheduled End of Unlimited Deposit Coverage
- MRAPLA Disclosures Postponement
- Reg Z’s Exemption Threshold Goes Up Again
November 2012 Legal Briefs
- Update on the Foreign Remittance Transfers Rule
- Updated CFPB Exam Manual and Supervision Findings
- IRA Time of Year
- Qualified Mortgages
October 2012 Legal Briefs
- Reg Z, Late Fees and the Single Pay Note
- New Safe Deposit Law
- The Second Appraisal
- Proposed Homeownership Counseling Changes
- Tips for Reading the Proposals
September 2012 Legal Briefs
- Stopping Payment on Cashier’s Checks
- "Safe Harbor" Provision in Reg E’s Remittance Transfers Rule
- CFPB Proposal Status Update
- Your Latest Q&As
August 2012 Legal Update
- Correcting Social Security ACH errors
- Lessons from the PATCO ruling
- Abandoned foreclosures proceeding
- Oh, no! My customer is in bankruptcy!
- Q&As on OREO
- Complaint Responses
- FDIC Insurance Fees
- ATM Notices
- Biggert-Waters: Flood Insurance Reform Act
- Servicemembers Civil Relief Act – Renewed Importance?
July 2012 Legal Briefs
- Family Trust
- Property Tax Default
- Escrow Analysis Statement
- ACH Question
- Garnishment
- Free Checking Account
- Change in Terms
- Bank-owed Money-payments
- HPML Question
- Deceased Customer
- State Tax Levy from California
- APR Item
- Social Media, After Hours
- SCRA – Interest Rate
- Gift Card ATM Fee
- ATM ADA Compliance
- Customer E-Banking Question
- Regulation CC Question
- CTRs and Banks
- Tribes and Sovereign Nations
- Branch Designation
- POS Transactions Closing Accounts
- Endorsement Verification
- Business (Lottery) Account
- ATMs and the ADA
- Escheatment and Setoff of Cashier’s Checks
June 2012 Legal Briefs
- Supreme Court Rules in RESPA Fee Case
- ATM Disclosures
- UTMA Accounts and the Custodian That Just Won’t Let Go
- Consumer Loan Dollar Amounts Adjust July 1
- Fair Housing Poster Update
- Agency Updates
May 2012 Legal Briefs
- 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
April 2012 Legal Briefs
- 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
March 2012 Legal Briefs
• 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
February 2012 Legal Briefs
• 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 a selection of questions and answers from the compliance team that cover a broad spectrum of problem areas.
• FAQs
January 2012 Legal Briefs
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