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Discussion of Identity Theft Red Flags Developing Responses to Red Flags Suspicious Activity Reports & Privacy Exceptions Example of SAR Filing Credit Report Alerts & Notices Suspicious Documents Suspicious Personal Identifying Information Unusual Use/Suspicious Activity on Account Notice of Identity Theft
December 2007
November 2007
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November 1, 2007
November 2007 Legal Briefs
Joint Regulation on Identity Theft Red Flags & Address Discrepancies
October 2007
September 2007
August 2007
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August 1, 2007
August 2007 Legal Briefs
Background on Subprime Mortgages Interagency Guidance on Subprime Mortgages Statement’s Coverage What is “Subprime”? Substantial Risk Factors Balloon Payments? Consumer Protection Principles Underwriting Standards Control Systems
July 2007
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July 1, 2007
July 2007 Legal Briefs
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
June 2007
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June 1, 2007
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
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May 1, 2007
May 2007 Legal Briefs
New Oklahoma Regulations Covering Money Transmitters Returning Checks for “Breach of Presentment Warranty”
April 2007
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April 1, 2007
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 …
March 2007
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March 1, 2007
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