Legal Ease Archive

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Advertising and Marketing: Expo Booth and Activities
Advertising and Marketing: Seminar for Seniors
BSA/AML, CIP: Auto Dealer Paper
BSA/AML, CIP: Accounts; Loans; Deposit Account Closings
BSA/AML, CIP: ID Verification Without DL
BSA/AML, CIP: Matricula Consular Cards as a form of ID?
BSA/AML, CIP: Patriot Act & Unincorporated Associations
BSA/AML, CIP: Social Security Numbers
BSA/AML, CIP: Verify or Validate SSN's
BSA/AML, SAR: Filing SAR After Robbery
BSA/AML, SAR: SAR Documentation
BSA/AML, SAR: SAR Form
BSA/AML, SAR: SARs & Board of Directors Meeting Minutes
BSA/AML, Training: Loan Officers
BSA/AML: Continuing Suspicious Activity
Check Handling, Cashier’s Check: Cashier's Check - Stop Payment
Check Handling, Cashier’s Check: Lost Cashier's Check
Check Handling, Cashier’s Check: Lost Cashier's Check
Check Handling, Cashing Checks: Check Cashing Fee
Check Handling, Cashing Checks: Commercial Accounts
Check Handling, Cashing Checks: Noncustomers
Check Handling, Deceased Payee: US Treasury Checks Issued to Deceased Person
Check Handling, Endorsements: Check Endorsement Verification
Check Handling, Endorsements: Endorsements - Absence
Check Handling, Endorsements: Multiple Payees Endorsements
Check Handling, Endorsements: Multiple Payees' Indorsements
Check Handling, Forgery/Alteration: Check Alteration
Check Handling, Forgery/Alteration: Forged Check Liability
Check Handling, Forgery/Alteration: Forged Maker's Signatures or Forged Endorsements?
Check Handling, Forgery/Alteration: Handling Forgery
Check Handling, Forgery/Alteration: The Case of the Roaming Forged Check
Check Handling, Power of Attorney: Fiduciary Depositing Check
Check Handling, Reg. CC: Sending Notices of Recent Change in Next Day Funds Availability
Check Handling, Stale Dated Check: Memo Line Instructions & Post-Dated Check
Check Handling, Stop Payment: Are We Required to Accept an Oral Stop Payment?
Check Handling, Stop Payment: Collection of a Fee
Check Handling, Stop Payment: Expiration
Check Handling, Stop Payment: Stop Payment by Authenticated Record
Check Handling: Check 21-Substitute Check Notice
Check Handling: DBA Check Deposits
Check Handling: Drafts
Check Handling: Must we Accept Substitute Checks?
Check Handling: NSF Fees for Soldiers
Check Handling: Post-Dated Check
Check Handling: Two Payees
Child Support – Deceased Accountholder
Corporate, Directors: Advisory Directors in Board Meetings
Corporate, Directors: Bank Officers on Board
Corporate, Directors: Director Education
Corporate: Dividends
Corporate: Dividends to Parent Company
Deposit Account, Assumed Name Certificates: Term of Assumed Named Certificates
Deposit Account, Right of Setoff: Social Security Benefits
Deposit Account: Out of State Levy – Foreign Levy
Deposit Accounts Death of an Accountholder: POD Beneficiaries and Authorized Signer
Deposit Accounts, Account Agreement: Fee Schedule Change
Deposit Accounts, Account Agreement: Fee Schedule Change
Deposit Accounts, Account Agreement: Fee Schedule Change
Deposit Accounts, Business Accounts: Annual Request for Information
Deposit Accounts, Death of an Accountholder: Affadavit of Heirship
Deposit Accounts, Death of an Accountholder: Affadavit of Heirship
Deposit Accounts, Death of an Accountholder: CD Owner
Deposit Accounts, Death of an Accountholder: Co-Executors
Deposit Accounts, Death of an Accountholder: Death of a Qualified Income Accountholder
Deposit Accounts, Death of an Accountholder: Funeral Expenses
Deposit Accounts, Death of an Accountholder: IOLTAs
Deposit Accounts, Death of an Accountholder: Muniment of Title
Deposit Accounts, Death of an Accountholder: Partnership Account - Death of Partner
Deposit Accounts, Death of an Accountholder: POD Beneficiaries
Deposit Accounts, Death of an Accountholder: Releasing Information to a POD Beneficiary
Deposit Accounts, Death of an Accountholder: Without Right of Survivorship
Deposit Accounts, Death of an Accountholder: Written instructions to name POD Beneficiary
Deposit Accounts, Debit Cards: Can a Guardianship Account Have a Debit Card?
Deposit Accounts, Debit Cards: Debit Cards for Businesses
Deposit Accounts, Deposit Insurance: Deposit Insurance & Right of Set-off
Deposit Accounts, Deposit Insurance: Deposit Insurance Coverage
Deposit Accounts, Deposit Insurance: Deposit Insurance on Retirement Funds
Deposit Accounts, Deposit Insurance: Deposit Insurance on Retirement Funds
Deposit Accounts, Deposit Insurance: Transaction Account Guarantee Program
Deposit Accounts, Documenation: Changing a Joint Account to an Individual Account
Deposit Accounts, Documentation: Account Contract - Must All Account Types Be Included On It?
Deposit Accounts, Documentation: Account Names
Deposit Accounts, Documentation: Account Title/Power of Attorney
Deposit Accounts, Documentation: Annual Verification of Commercial Depositor's Address
Deposit Accounts, Documentation: Articles of Incorporation
Deposit Accounts, Documentation: Assumed Name
Deposit Accounts, Documentation: Assumed Name Certificate
Deposit Accounts, Documentation: Assumed Names
Deposit Accounts, Documentation: Authorized signers on Estate Accounts
Deposit Accounts, Documentation: Autistic Person
Deposit Accounts, Documentation: Businesses with Two Entities
Deposit Accounts, Documentation: Campaign Account
Deposit Accounts, Documentation: Changing Customers' Account Numbers
Deposit Accounts, Documentation: Convenience Signer on CD
Deposit Accounts, Documentation: Convenience Signers with POD
Deposit Accounts, Documentation: DBA Account for Revocable Trust
Deposit Accounts, Documentation: IOLTA Accounts Tax Identification Numbers
Deposit Accounts, Documentation: Limited Liability Company (LLC) Employer Identification Number
Deposit Accounts, Documentation: Limited Liability Company (LLC) Organizer
Deposit Accounts, Documentation: Limited Liability Company (LLC), Members or Managers on LLC Documents
Deposit Accounts, Documentation: May Depositor Use Initials Rather than Name on Checks?
Deposit Accounts, Documentation: Nonresident Alien Account
Deposit Accounts, Documentation: Out-of-State Corporate Accounts
Deposit Accounts, Documentation: POD Accounts: Answers to Several Common Questions
Deposit Accounts, Documentation: Power of Attorney—Naming POD beneficiary
Deposit Accounts, Documentation: Remote Capture
Deposit Accounts, Documentation: Right of Survivorship With Multiple Survivors
Deposit Accounts, Documentation: Sole Proprietors
Deposit Accounts, Documentation: Telemarketer Account
Deposit Accounts, Documentation: Trust - Certificate of Trust Form
Deposit Accounts, Documentation: Trust Account Opening When We Don't Have Trust Powers
Deposit Accounts, Documentation: Two Signatures Required on Checks
Deposit Accounts, Fraud: Confused Senior and His Son Want to Withdraw Funds
Deposit Accounts, Fraud: Account Hacked - Notice to Customers
Deposit Accounts, Fraud: CANS - Compromised Debit Cards
Deposit Accounts, Fraud: Identity Fraud: SSA's Death Master File
Deposit Accounts, Garnishment/Levy: Child Support Lien
Deposit Accounts, Garnishment/Levy: Child Support Notice of Levy on IRA's
Deposit Accounts, Garnishment/Levy: Rules on Federal Benefits
Deposit Accounts, Gift Cards: Gift Cards - BSA
Deposit Accounts, Gift Cards: Gift Cards and Reg. E
Deposit Accounts, Gift Cards: Gift Cards Best Practices
Deposit Accounts, Memorial Accounts: Style and TIN/EIN for Memorial Accounts
Deposit Accounts, Minor Accounts: Account Without Parent Joinder
Deposit Accounts, Minor Accounts: Deposit Check Written to Custodian into Another Account?
Deposit Accounts, Minor Accounts: Minors Opening Accounts-USA Patriot Act
Deposit Accounts, Minor Accounts: TUTMA
Deposit Accounts, Money Service Business: Can We Refuse to Open These and Close Those We Have?
Deposit Accounts, Money Service Business: Is Liquor Store Cashing Checks a MSB?
Deposit Accounts, Money Services Business: What Documentation is Needed?
Deposit Accounts, Overdraft: Automated Program and FDIC's De Minimis
Deposit Accounts, Overdraft: Disclosures
Deposit Accounts, Overdraft: Fees
Deposit Accounts, Overdraft: Interest on Overdrafts
Deposit Accounts, Overdraft: Offset and Overdraft Protection
Deposit Accounts, Overdraft: Overdraft Privilege
Deposit Accounts, Overdraft: Overdraft Privilege to Customers
Deposit Accounts, Overdraft: Reg E - Overdraft rules effective 07.01.2010
Deposit Accounts, Overdraft: Reg E – Overdraft on Debit Cards and ATM
Deposit Accounts, Overdraft: Reg E: Overdraft Rules for Debit and ATM
Deposit Accounts, Overdrafts: Interest on Overdrafts & Regulation Z
Deposit Accounts, Privacy: Disclosure of Information to Law Enforcement
Deposit Accounts, Privacy: Father Making Deposits in Adult Son's Account
Deposit Accounts, Privacy: Funds Verification
Deposit Accounts, Privacy: Informing Business Owner That Authorized Signer Has Chexsystems Record
Deposit Accounts, Public Deposits: Conflict of Interest - Local Depository Bid
Deposit Accounts, Public Deposits: Conflicts Statement - Local Government
Deposit Accounts, Public Deposits: School Depository Bid
Deposit Accounts, Public Deposits: State Deposits
Deposit Accounts, Reg. B: Premium Checking Account for Age 50+
Deposit Accounts, Reg. D: Refunding a Fee for Excess Transactions
Deposit Accounts, Reg. D: Withdrawals/Transfers from Savings Deposits
Deposit Accounts, Reg. DD (Truth in Savings): Insufficient Funds Charges on Periodic Statements
Deposit Accounts, Reg. DD (Truth in Savings): Interest on Closed Savings Accounts
Deposit Accounts, Reg. E: Electronic Delivery of Disclosures
Deposit Accounts, Reg. E: Must We Investigate all Disputes?
Deposit Accounts, Reg. E:Funds Transfer Procedures
Deposit Accounts, Trusts: Living Trust - TIN
Deposit Accounts, Trusts: Trust Created by Attorney-In-Fact
Deposit Accounts: Accepting Deposits for Newly Acquired Bank
Deposit Accounts: Checking Account Denial
Deposit Accounts: Closing a Joint Account
Deposit Accounts: New Account Incentives
Deposit Accounts: NOW Account Qualification
Deposit Accounts: Power of Attorney - Closing an Account
Deposit Accounts: Transacting on behalf of a mentally incapacitated person
Human Resource, Notary Public: Do Notaries Verify Contents of Documents?
Human Resources, Vacations: Taking Two Consecutive Weeks Off?
Human Resources: Adverse Action on Employment
Human Resources: Affirmative Action Program
Human Resources: Benefits for Part-Time Employees
Human Resources: Coffee Breaks
Human Resources: Customer Information Stolen by Exiting Employee
Human Resources: Direct Deposit
Human Resources: E-mail Monitoring
Human Resources: Employee Background Checks
Human Resources: Employee Finances
Human Resources: Employee Personnel Files
Human Resources: Employee Reviews
Human Resources: Employee Termination
Human Resources: Gifts to Employees
Human Resources: Holiday Pay
Human Resources: Mandated Training Requirements
Human Resources: New Rules on Mortgage Loan Originator Compensation
Human Resources: Notary Public - Employer Rights With Respect To
Human Resources: Notice to employees on rights under NLRA
Human Resources: Overtime
Human Resources: Polygraph of an Employee
Lending Reg. Z: Business Purpose Exemption
Lending Reg. Z: Business Purpose Exemption
Lending, Appraisal: Accepting a Transferred Appraisal
Lending, Appraisals: Appraisal Requirements for Secondary Collateral
Lending, Appraisals: Appraisals
Lending, Appraisals: Commercial Real Estate Appraisal Reviews
Lending, Commercial Loans: Credit Reports on Individuals
Lending, Commercial Loans: Late Charge - Commercial Loan
Lending, Construction Lending: Multiple Advances
Lending, Construction Lending: Retainage
Lending, Default: Bank Representation in Justice Court
Lending, Default: Foreclosure
Lending, Default: Property Tax Deferral
Lending, Default: Protecting Tenants at Foreclosure Act
Lending, Default: Using Facebook for Debt Collection?
Lending, Default: Waiting Period for Repossessed Assets
Lending, Default: Workout
Lending, Denial: Denying a Loan to a Qualified But Abusive Applicant
Lending, Environmental Issues: Environmental Impact Studies
Lending, Fair Lending: Adverse Action on Businesses > $1 Million
Lending, Fair Lending: Considering Immigration Status
Lending, Fair Lending: FACT Act
Lending, Fair Lending: FACT Act Complaint
Lending, Fair Lending: FCRA - EDC Consumer Report
Lending, Fair Lending: FCRA Disclosure of Credit Score
Lending, Fair Lending: FCRA – Providing Credit Score
Lending, Fair Lending: Focus of Fair Lending Exams
Lending, Fair Lending: Intent of Customer to Apply for Joint Credit
Lending, Fair Lending: Loan Minimums and Disparate Impact
Lending, Fair Lending: Regulation B and Credit Score Disclosures
Lending, Fair Lending: Spousal Guarantees
Lending, Fair Lending: Spousal Signatures Financial Statements
Lending, Fees: Administrative Fee
Lending, Fees: Administrative Loan Fees
Lending, Fees: Market Evaluation Fee
Lending, Fees: May we Charge a Deferral Fee?
Lending, Fees: Returned Check Fee
Lending, Flood Disaster Protection Act: Reliance on Previous Determinations
Lending, Flood Insurance: Elevated Structures
Lending, Flood: Flood Disaster Compliance
Lending, Flood: Flood Insurance
Lending, Flood: Flood Insurance
Lending, Flood: Flood Insurance
Lending, Flood: Flood Insurance - Additional Information
Lending, Foreclosure: Unpaid Taxes
Lending, HMDA: HMDA Reporting - Home Improvement Loans
Lending, HMDA: HMDA reporting Assisted Living
Lending, HMDA: HMDA – Reporting After a Merger
Lending, HMDA: Reporting
Lending, HOEPA: Decline to Provide Credit Life to Avoid HOEPA
Lending, Home Equity: Ag Use Valuation Update
Lending, Home Equity: Agricultural Use
Lending, Home Equity: Agricultural Use Valuation Removal
Lending, Home Equity: Amortizing Payments on HELOCs
Lending, Home Equity: Balloon Payments
Lending, Home Equity: Bridge Loans
Lending, Home Equity: Closing A Home Equity Loan On A POA
Lending, Home Equity: Copies
Lending, Home Equity: Cost of Survey
Lending, Home Equity: Deed in Lieu of Foreclosure
Lending, Home Equity: Delinquent Property Taxes
Lending, Home Equity: Duplexes
Lending, Home Equity: Extensions & Modifications
Lending, Home Equity: Flood Insurance
Lending, Home Equity: HELOC
Lending, Home Equity: Loan on Parcel Without House
Lending, Home Equity: Loan Wasn't Made as Equity Loan! Yikes!
Lending, Home Equity: Manufactured Homes
Lending, Home Equity: Modifying a Home Equity Loan
Lending, Home Equity: No Other Property/Travel Trailer
Lending, Home Equity: Number of Loans
Lending, Home Equity: Owelty loans
Lending, Home Equity: Points and Origination Fees
Lending, Home Equity: Power of Attorney/Texas Home Equity Loan
Lending, Home Equity: Reduced Payment
Lending, Home Equity: Revised Home Equity Notice
Lending, Home Equity: Setoff
Lending, Home Equity: Subsection (g) Notice to a Non-Owner Spouse
Lending, Home Equity: Trusts
Lending, Home Equity: Updates
Lending, Home Equity: Waiting a Year to Close Another Home Equity Loan
Lending, Home Loans: Tax Lien Loans
Lending, Home Loans: Applications for Home Loans
Lending, Home Loans: Assumption
Lending, Home Loans: Deferments
Lending, Home Loans: Definition of Contract
Lending, Home Loans: Disclosures on a Triplex (TILA, RESPA, and HMDA)
Lending, Home Loans: Escrow Under Reg. Z Higher Priced Mortgage Loans
Lending, Home Loans: Home Improvement: 5-Day Waiting Period
Lending, Home Loans: Home Loan Dependent on Anticipated Tax Credit
Lending, Home Loans: Homeownership Counseling
Lending, Home Loans: Homestead Lien Refinance
Lending, Home Loans: Insurance Claims
Lending, Home Loans: Interim Construction Lending--Mortgage Policy
Lending, Home Loans: Manufactured Housing, Landlord's Lien
Lending, Home Loans: Mortgage Fraud
Lending, Home Loans: Mortgage Fraud - Application Notice
Lending, Home Loans: Mortgage Lender Disclosure Under FCRA
Lending, Home Loans: Mortgage Loan - Coupon to Borrower
Lending, Home Loans: Refinance of a Balloon
Lending, Home Loans: S.A.F.E. Act Registration Begins; IBAT Offers Compliance Tips
Lending, Home Loans: SAFE Act
Lending, Home Loans: SAFE Act
Lending, Home Loans: SAFE Act--State Regulation of Mortgage Loan Originators
Lending, Home Loans: Second Mortgage Fees
Lending, Identification: Loans to customers only providing ITINs
Lending, IRS Filings: Revenue Ruling 93 70 - 1099 Filing
Lending, Lending Limits: State Bank Increasing Its Lending Limit
Lending, Loan Documents: Return of Note After Payoff
Lending, Mortgage Lending: Chapter 157 Texas Finance Code
Lending, Reg. O: Lower Loan Rates for Employees
Lending, Reg. O: Executive Officer--Personal and Partnership Loans
Lending, Reg. O: Report of Executive Officer Indebtedness
Lending, Reg. Z: Curing a Violation
Lending, Reg. Z: Error in Prepaid Finance Charges
Lending, Reg. Z: High Cost Loans
Lending, Reg. Z: Higher Cost Home Loans
Lending, Reg. Z: HPML and Construction to Permanent Loans
Lending, Reg. Z: HPML Escrow Requirements
Lending, Reg. Z: Lot Loan
Lending, Reg. Z: Right of Rescission - Refinancing
Lending, Reg. Z: Short-term Balloon Notes
Lending, RESPA: GFE on Vacant Lot
Lending, RESPA: Borrower Paying Referral Fee
Lending, RESPA: Change in Circumstance
Lending, RESPA: Document Preparation Fees on the GFE
Lending, RESPA: How much must we escrow
Lending, RESPA: Loan Originator Compensation Rules
Lending, RESPA: Refund to the Borrower
Lending, RESPA: RESPA, Reg. Z, and Real Estate Note Renewal
Lending, Secured Lending: Article 9
Lending, Secured Lending: Business Property Securing a Personal Loan
Lending, Secured Lending: Financing Statements (UCC-1)
Lending, Secured Lending: Floor Plan Cars Sold Without Titles
Lending, Secured Lending: Floor Planning
Lending, Secured Lending: Must All Owners of Multi-Party CD Sign Security Agreement?
Lending, Secured Lending: Secured by Savings Bonds
Lending, Secured Lending: Secured Lending – Name of Debtor on Financing Statement
Lending, Secured Lending: UCC Filings, or What's In a Name?
Lending, Service Members: Helping Dependents Understand the Servicemembers Civil Relief Act
Lending, Service Members: Interest Rate Limitation
Lending, Service Members: Procedure for Providing SCRA Notice Disclosure
Lending, Taxes: Elderly Property Tax Deferral
Lending, TUTMA: TUTMA CD Securing Loan
Lending, Usury: 365/360 Day Year - Residential
Lending, Usury: APR
Lending, Usury: Ceiling Rates
Lending, Usury: Clarification re Charging Interest on Interest
Lending, Usury: Highest Interest Rate Allowed vs. APR
Lending, Usury: Is an origination fee considered interest?
Lending, Usury: Loan Fees
Lending: Credit Insurance
Lending: Demand Feature
Lending: Lending Limits - State Banks
Lending: Loan to Political Candidate
Lending: Methods for Computing Interest
Lending: Payment Extension
Lending: Payoff - Obtaining Payoffs From Other Lenders
Lending: Payoff - Return of Documents
Lending: Residential Real Estate
Lending: Service Members, Lower Interest Rates for Servicemen?
Lending: Setoff - Overdraft
Lending: Skip-A-Payment
Lending: Spanish Translation of Consumer Notes
Operations, ATM Notices: Reg E: Notice of fees
Operations, Credit Reports: Sharing Credit Reports
Operations, Inactive Accounts and Escheat: Cashier's Check - Escheat
Operations, Inactive Accounts and Escheat: Depositor Has Accounts With Activity and Some Without
Operations, Inactive Accounts and Escheat: Dormant Account Fees
Operations, Inactive Accounts and Escheat: Dormant Account Fees
Operations, Inactive Accounts and Escheat: Dormant Account Signature Cards
Operations, Inactive Accounts and Escheat: Dormant Accounts
Operations, Inactive Accounts and Escheat: Escheatment
Operations, Inactive Accounts and Escheat: Escheatment of IRAs
Operations, Inactive Accounts and Escheat: Inactive IOLTA Accounts
Operations, Inactive Accounts and Escheat: Service Charge Inactive Accounts
Operations, Inactive Accounts and Escheat: Unclaimed Property – Notice required each August 1st
Operations, Inactive Accounts and Escheat: When is an account “inactive”?
Operations, Oath of Directors: Oath of Directors at National Banks
Operations, Online Banking: Internet Banking - Security
Operations, Online Banking: Mobile Banking App Disclosures
Operations, Online Banking: Multi-Factor Authentication
Operations, Political Activity: Campaign Literature in Lobby
Operations, Power of Attorney: Must Co-Attorneys-in-fact both act?
Operations, Privacy: Annual Notice
Operations, Privacy: Information Security
Operations, Record Retention: How Long Must We Keep Checks
Operations, Record Retention: Imaging--How Long to Keep Originals
Operations, Record Retention: Imaging--How Long To Keep Originals
Operations, Records Requests: Adult Protective Services Request for Information
Operations, Records Requests: Information Disclosure to Adult Protective Services or DHS
Operations, Records Requests: Records Produced for State Elder/Disabled Abuse Investigation
Operations, Trusts: Trustee Executing Power of Attorney
Operations, Wire Transfer: Wire Transfer Request by Phone
Operations: Changing Bank Hours
Operations: Check Imaging
Operations: Consumer Complaints
Operations: Corporate Governance
Operations: Disaster Planning - Communications
Operations: Federal Model Privacy Form and the State Complaint Notice
Operations: Holiday Gifts - Bank Bribery Act
Operations: Holidays
Operations: Illegal to Have Gun in the Bank?
Operations: Lotteries
Operations: Lotteries - Charitable Contribution
Operations: LPO
Operations: Optical Imaging/Keeping Originals?
Operations: Political Campaign Material at the Bank
Operations: Prizes at New Branch Opening
Operations: Registered Agent - Appoint one, now!
Operations: Saturday Drive-In Hours
Operations: Securities Arrangements in Banks???
Operations: Security Breach
Operations: SPAM - Federal and Texas Law
Questions about the new payoff statement rules
Regulators: Change of Exam Frequency for a State Bank
RESPA - Tolerance Thresholds on the GFE
Safe Deposit Box: Access After Death of Renter
Safe Deposit Box: Change Ownership to a Trust
Safe Deposit Box: Death of Co-Trustee and Access to Box
Safe Deposit Box: Death of Joint Owner
Safe Deposit Box: Discount for Deposit Accountholders
Safe Deposit Box: Does Power of Attorney Allow Entry?
Safe Deposit Box: Entry with Power of Attorney
Safe Deposit Box: Executor's Powers
Safe Deposit Box: May it have a P.O.D.?
Safe Deposit Box: Opening Boxes on Saturdays and After Hours
Safe Deposit Box: Refusing Access Because of Overdraft
Safe Deposit Box: Removing an Owner
Safe Deposit Box: Routing Number on Keys

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Legal Ease Archive