Decision Trees & Charts

FDIC Guidance on Spousal Signatures
Understanding Finance Charges for Consumer, Closed-End Credit
FDIC Guidance on Funds Availability Act (pg 26 for Deposit Availability Flowchart)
IBAT Tools: Chart for Regulatory Compliance Citations
IBAT Tools: Regulatory Compliance Reference Chart - Federal
IBAT Tools: TRID Tolerance Fee Chart
IBAT Tools: Flood Insurance Determination Worksheet (pdf) or EXCEL

Formed in 1974, the Independent Bankers Association of Texas (IBAT) represents Texas community banks. The Austin-based group is the largest state community banking organization in the nation, with membership comprised of more than 2,000 banks and branches in 700 Texas communities. Providing safe and responsible financial services to all Texans, IBAT member bank assets range in size from $21 million to $31 billion with combined assets statewide of nearly $193 billion. IBAT member banks are committed to supporting and investing in their local communities.

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Decision Trees & Charts