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IBAT Compliance Tools
AlertsBSA/AML
- BSA PowerPoint Presentation (S. Phillips)
- Getting Started with the BSA E-Filing System
- BSA E-Filing System FAQs
- Important Notice to BSA E-Filers – Oct. 2012
- Updated Technical Specifications for new SAR, CTR and DOEP
- Final Notice of the Adoption of e-filing
- FinCEN Guidance CTR Aggregation for Businesses with Common Ownership
- Notice to Customers: A CTR Reference Guide - English
- Notice to Customers: A CTR Reference Guide - Spanish
- FinCEN Guidance on Preparing A Complete and Sufficient SAR
- FinCEN Guidance on Filing CTR and SAR
- SAR Narrative Tool
Home Equity
- Home Equity Q & A
- Home Equity LOC Q & A
- Regulatory Guidance
- Home Equity Rules
- Home Equity Interpretive Letter
- Finance Commission Resources
- Finance Commission – Official Spanish Disclosure (See 7 TAC §153.51(3))
- Office of Consumer Credit Commissioner - FAQs
- Office of Consumer Credit Commissioner – FAQs (Spanish language brochure)
- Texas Department of Banking – Home Equity Modification Advisory Bulletin (2009)
- Texas Department of Banking – Loan Worksheet #10 – Home Equity Lending
- Texas Rules of Civil Procedure Related to Home Equity Loan Foreclosure
Consumer Credit Law
The Texas Credit Title provides for different fees and different late charges depending on the type of loan. This chart provides a quick guide.
Compliance Bulletins Archives
Read the Compliance Bulletins Archives.
CANS
Your bank must register for CANS with the Department of Banking.
Publications
Code of Ethics
IBAT Services and its General Counsel Karen Neeley have made compliance simple for your bank. Code of Ethics is our latest value package offering, including a handbook with plain language explanation of relevant laws and regulations, sample policy, and text of pertinent bulletins, laws, and regulations. As a special bonus, the program includes a CD with the sample policy ready for your bank to customize plus a power point for internal training! Purchase Information.