1. Two Changes to Servicemembers’ Civil Relief Act
2. Tax Credit for First-Time Homebuyers
3. Can Banks Freeze Home-Equity Lines of Credit?

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1. Motor Vehicle Lien Entry Forms Are Changing
2. New Statute Allows “Transfer on Death” for Real Estate

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1. Commissioner’s Bill Revises Several Banking Provisions
2. Recent Changes to Oklahoma Banking Board’s Regulations
3. Major Changes to Oklahoma’s Record Retention Schedule
4. Elder Abuse Punishment Increases

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1. Consumer Loan Dollar Amounts Adjust on July 1
2. Paying 3% Interest on County Deposits
3. Accepting Checks with Missing Endorsements
4. Accepting Checks for Collection

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New FDIC Guide to Deposit Insurance Of Trusts & POD Accounts

1. Qualifying Beneficiaries
2. One-Owner Revocable Trusts
3. Revocable Trust Becomes Irrevocable
4. Primary & Contingent Beneficiaries
5. Changed Amount of Insurance?
6. Certificate of Trust?
7. Life Estate & Remainder Beneficiaries
8. Joint Revocable Trusts
9. POD Accounts
10. Contingent POD Beneficiaries
11. Joint Accounts with PODs
12. Irrevocable Trusts

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1. “Local Check” Area Expanding on April 19
2. Recent Court Ruling Concerning Liens on Indian Car Titles
3. Using W-9s (With SSN or ITIN) or W8-BENs to Open Accounts

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Understanding Representative Payee Accounts

1. When is a Representative Payee Appointed?
2. Correct Account Styling
3. Guardian/Rep Payee
4. Successor Trustee/Rep Payee
5. POA/Rep Payee
6. Only a Rep Payee
7. Only an Authorized Signer
8. Joint Accounts
9. Organizational Rep Payees
10. Rep Payees for Children

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

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1. Duties of Card Issuers Regarding Address Discrepancies
2. Verifying Social Security Numbers
3. Permitted Number of Transactions on Savings & MMDAs

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Discussion of Identity Theft Red Flags

1. Developing Responses to Red Flags
2. Suspicious Activity Reports & Privacy Exceptions
3. Example of SAR Filing      
4. Credit Report Alerts & Notices
5. Suspicious Documents
6. Suspicious Personal Identifying Information
7. Unusual Use/Suspicious Activity on Account
8. Notice of Identity Theft

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Joint Regulation on Identity Theft Red Flags & Address Discrepancies

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D.O.D. Lending Regulation for Servicemembers

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Servicemembers’ Civil Relief Act—Impact on Lenders

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Background on Subprime Mortgages

Interagency Guidance on Subprime Mortgages

1. Statement’s Coverage
2. What is “Subprime”?
3. Substantial Risk Factors
4. Balloon Payments?
5. Consumer Protection Principles
6. Underwriting Standards
7. Control Systems 

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

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