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“Local Check” Area Expanding on April 19 Recent Court Ruling Concerning Liens on Indian Car Titles Using W-9s (With SSN or ITIN) or W8-BENs to Open Accounts
April 2008
March 2008
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March 1, 2008
March 2008 Legal Briefs
Understanding Representative Payee Accounts When is a Representative Payee Appointed? Correct Account Styling Guardian/Rep Payee Successor Trustee/Rep Payee POA/Rep Payee Only a Rep Payee Only an Authorized Signer Joint Accounts Organizational Rep Payees Rep Payees for Children
February 2008
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February 1, 2008
February 2008 Legal Briefs
Replacing a Cashier’s Check Based on Declaration of Loss Basis for Charging “Unauthorized” Items to Customer’s Account Other Ways a Forged Signature is Not a Forgery
January 2008
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January 1, 2008
January 2008 Legal Briefs
Duties of Card Issuers Regarding Address Discrepancies Verifying Social Security Numbers Permitted Number of Transactions on Savings & MMDAs
December 2007
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December 1, 2007
December 2007 Legal Briefs
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
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