Tuesday, February 27, 2024

Legal Briefs

August 2013 Legal Briefs

  • Changing your early withdrawal penalties
  • Armored-car answer from FinCEN (But…)
  • Changes to rural and underserved counties list
  • Anatomy of an E-SIGN violation
  • What bankers wish customers knew – Part two

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July 2013 Legal Briefs

  • Notice of title protection document
  • Responsible conduct
  • Exam workpapers – Reg Z
  • (Amended) Ability to repay rules hot off the press
  • If your bank issues reloadable prepaid debit cards …
  • Treasury still issues some paper checks
  • When federal ACH payment names don’t match up
  • What bankers wish customers knew

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June 2013 Legal Briefs

  • Garnishment of Federal benefits rule revisions
  • Consumer loan dollar amounts adjust July 1
  • The first California/Achieve financial settlement
  • Breach of contract
  • Final(?) ability to repay and qualified mortgage rules

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May 2013 Legal Briefs

  • Interagency statement on Biggert-Waters Flood Insurance
  • CFPB ability to repay – QM clarification proposal
  • Some tweaks for HDMA getting it right
  • Escrow rule: What we should have said is …
  • CARD Act rule revised
  • NAME IT: A guide to formulating a formidable name for your bank
  • Oklahoma’s Article 9 remains unchanged
  • Oklahoma tax on IRA part 2:

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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

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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

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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

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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?

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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

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