- 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
Legal Briefs
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
May 2007 Legal Briefs
- New Oklahoma Regulations Covering Money Transmitters
- Returning Checks for “Breach of Presentment Warranty”
April 2007 Legal Briefs
- Stale-Dated Checks: Should the Bank Pay Them or Not?
- What the Statute Says
- Bulk Filing
- Regulation CC Exception Hold
- Whether to Pay or Not?
- Some Possible Approaches
- When is an Old Check No Longer Good?
- Reasons for Returning Checks within the Midnight Deadline
- The Bulk Filing Issue
- Having a Valid Reason for Return
- Reasons Limited to the Midnight Deadline
- “Refer to Maker”; Kiting
- “Account Closed”
- Forged Checks
- Dummy or Counterfeit Checks
March 2007 Legal Briefs
- Stop Payment Orders on Checks – Questions and Answers
- No Means of Stopping Payment on Cashier’s Checks
- Examples: When a bank would like to avoid paying a cashier’s check
- Is a customer’s “defense” against the payee a reason for not paying a cashier’s check?
- When does a bank have its own defense to paying a cashier’s check
February 2007 Legal Briefs
Joint Guidance on Commercial Real Estate Concentrations
January 2007 Legal Briefs
- Recent Amendments to Health Savings Account Provisions
- HSA Contribution Amounts
- Reimbursing Medical Expenses
- Accumulating Tax-Advantaged Savings
- Full Deduction in First Year
- Transfer from IRA to HAS
- Index for 2006
December 2006 Legal Briefs
Defense Authorization Act – Restrictions on Loans to Service Members and Their Dependents
- Background
- What Transactions are Covered?
- “Interest” Limited to 36%
- All Fees are “Interest”
- New Definition of “APR”
- No Lender Access to Bank Account
- No Renewal of Debt
- No Mandatory Arbitration
- Non-complying Contracts Void
- Criminal Provision
- What Persons are Covered?
November 2005 Legal Briefs
Processing through Dallas Fed Affects Availability Schedule
FDIC Guidance on Establishing a Bank Ethics Program
- Written Bank Policies
- Specific Provisions
- a. Safeguarding Customer Information
- b. Integrity of Bank Records
- c. Strong Internal Controls
- d. Speaking Candidly with Examiners
- e. Accepting Gifts and Favors
- f. Avoiding Self-Dealing
- g. Observing Other Laws
- h. Other Matters
November 2006 Legal Briefs
Pension Reform: Useful Changes to IRA Provisions
- IRA Contribution Limits.
- Tax Refunds & Other Transfers to IRA’s.
- IRA’s of Guards & Reservists.
- IRA Distributions to Charities
- Understanding the Tax Advantages:
- 50% limit on charitable contributions doesn’t apply.
- Deductions and credits don’t phase out.
- Reducing RMD’s in future years.
- Rollover to “Inherited IRA”
- Easier Conversion to Roth IRA’s
October 2006 Legal Briefs
Cleanup Changes in 2006 to Mechanic’s Lien Provisions
- Background
- Obsolete Provisions
- What Services Are Covered
- Certificate of Title Property with Liens
- Change in Time Period
- Rental-Related Changes to Section 91
- Revisions to Section 180
- "Other Property” Mechanic’s Liens
- Section 91A vs. Section 197
- Section 91A Notice Procedures
- Assistance in Researching Titles
- Property Removed without Permission; Release Obtained by Bad Check
- Service Provider’s Right to Repossess
September 2006 Legal Briefs
Payroll Card Accounts & Regulation E Changes
- “Payroll Card Account”
- DHS Cards vs. Payroll Cards
- Is a Payroll Card Useful?
- Advantages to Consumers
- Employer Considerations
- Advantages for Banks
- Payroll Cards Not Mandatory?
- No Periodic Statements
- Consumers Who Don’t Want Statements
- Error Resolution
- Limits on Liability
- Modified Disclosures
August 2006 Legal Briefs
New Law Provides for Credit Report Freezes
- Legislative Background
- Security Freeze Request
- Authorizing a Temporary Release
- Is a “Freeze” a Good Idea?
- Assistance with Temporary Releases
- Assistance with Security Freezes
- Lender Exceptions to Security Freeze
- Other Exceptions to Security Freeze
- Excluded Entities
- Notice of Changes
- Security Freeze Notice Required
- Fines & Penalties
May 2006 Legal Briefs
Consumer Loan Dollar Amounts Adjusting on July 1
- a. Increased Late Fees
- b. “508B” and “508A” Loans
- c. Dealer Paper “No Deficiency” Amount
Money Transmitters Must Register With Banking Department
July 1 Deadline for Continuation Statements for Oil and Gas
Searching UCC-1’s in Only One Filing Office as of July 1, 2006
Duration of Fixture Filings Related to Manufactured Homes
July 2006 Legal Briefs
Deceptive Use of a Bank’s Name in Soliciting Customers
- Insurance Practices
- Disclosure of Non-Authorization
- Comparing the Statutes
Exploitation of Disabled or Elderly Adults
- “Elderly” Defined
- “Disabled” Not Defined
- "Lacks Capacity to Consent”
- “Exploitation” Defined
- Criminal Penalties
- Knowledge of Incapacity
- Reporting to Authorities
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May 2025 OBA Legal Briefs
May 2025 Lawsuits of interest Banker Q&As Joint ownership, divorce, and death Right of rescission, …
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