Legal Ease Archive

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: Copies of Identifying Documents
BSA/AML, CIP: Copying Military IDs
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, CTR Exemptions: Multiple Transaction Accounts
BSA/AML, CTR Filing: Address Information
BSA/AML, CTR Filing: IOLTA and Trust Accounts
BSA/AML, CTR Filing: Mixed Delivery / Payment Methods
BSA/AML, CTR Filing: Withdrawal From TUTMA
BSA/AML, Payroll Checks: Cashing for Employees
BSA/AML, SAR: Continuing Suspicious Activity
BSA/AML, SAR: Filing SAR After Robbery
BSA/AML, SAR: Reporting SAR Information to Boards
BSA/AML, SAR: SAR Discoverability and Disclosure
BSA/AML, SAR: SAR Documentation
BSA/AML, SAR: SAR Form
BSA/AML, SAR: SARs & Board of Directors Meeting Minutes
BSA/AML, SAR; SAR Filing for Kiting
BSA/AML, Training: Loan Officers
BSA/AML,SAR: MSB and Gambling
Check Handling, Cashier's Checks: Stop Payment on Cashier's Checks
Check Handling, Cashier’s Checks: Lost, Destroyed, or Missing Cashier’s Check
Check Handling, Cashing Checks: Check Cashing Fee
Check Handling, Cashing Checks: Commercial Accounts
Check Handling, Cashing Checks: Noncustomers
Check Handling, Cashing Checks: Payable to "Cash"
Check Handling, DBA Check Deposits
Check Handling, Deceased Payee: US Treasury Checks Issued to Deceased Person
Check Handling, Drafts
Check Handling, Endorsements: Check Endorsement Verification
Check Handling, Endorsements: Missing Endorsements
Check Handling, Endorsements: Multiple Payee Endorsements
Check Handling, Endorsements: Multiple Payee Endorsements (Indorsements)
Check Handling, Endorsements: Multiple Payee Endorsements-Bank Didn’t Get all Parties to Endorse
Check Handling, Endorsements: Multiple Payees
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, Post-Dated Check
Check Handling, Power of Attorney: Fiduciary Depositing Check
Check Handling, Reg. CC: Mobile Banking and Cutoff Times
Check Handling, Reg. CC: Reviewing Reasons For Deposit Holds
Check Handling, Reg. CC: Sending Notices of Recent Change in Next Day Funds Availability
Check Handling, Soldiers: NSF Fees
Check Handling, Stale Dated Check: Memo Line Instructions & Post-Dated Check
Check Handling, Stolen Check: Paid to an Imposter
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: Oral Stop Payment Orders
Check Handling, Stop Payment: Stop Payment by Authenticated Record
Check Handling, Substitute Check Notice - Check 21
Check Handling, Substitute Checks: Must We Accept Them?
Check Handling, Tax Refund: Deceased Joint Payee
Corporate, Directors: Advisory Directors in Board Meetings
Corporate, Directors: Bank Officers on Board
Corporate, Directors: Director Education
Corporate, Dividends
Corporate, Dividends: Dividends to Parent Company
Deposit Accounts, Accepting Deposits for Newly Acquired Bank
Deposit Accounts, Business Accounts: Annual Request for Information
Deposit Accounts, Certificates of Deposit: Early Withdrawal Penalties
Deposit Accounts, Checking Account Denial
Deposit Accounts, Closing a Joint Account
Deposit Accounts, Closing Account: Closing an Account with Social Security Benefits
Deposit Accounts, Convenience Signer: Convenience Signers
Deposit Accounts, Courier Services: Starting a Courier Service
Deposit Accounts, Death of Accountholder: Funeral Expenses
Deposit Accounts, Death of an Accountholder: Affidavit of Heirship
Deposit Accounts, Death of an Accountholder: Affidavit 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 Trust (Miller Trust) Accountholder
Deposit Accounts, Death of an Accountholder: Designation of Burial Funds
Deposit Accounts, Death of an Accountholder: Executor Requesting Information
Deposit Accounts, Death of an Accountholder: Funeral Expenses
Deposit Accounts, Death of an Accountholder: Guardianship--Death of Ward
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: POD Beneficiaries and 120 Hour Rule
Deposit Accounts, Death of an Accountholder: POD Beneficiaries and Authorized Signer
Deposit Accounts, Death of an Accountholder: POD Beneficiary is a Minor
Deposit Accounts, Death of an Accountholder: Releasing Information to a POD Beneficiary
Deposit Accounts, Death of an Accountholder: Right of Set-Off
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, Debit Cards: Is Customer Liable if Writes PIN on Card
Deposit Accounts, Deceased Accountholder: Child Support
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, Documentation: Account Agreement--Fee Schedule Change
Deposit Accounts, Documentation: Account Agreement--Fee Schedule Change, Notice to Customers
Deposit Accounts, Documentation: Account Agreement--Fee Schedule Change, Raise Overdraft Privilege
Deposit Accounts, Documentation: Account Agreement--Must All Account Types Be Included On It?
Deposit Accounts, Documentation: Account Agreement--Notice of Change to Contract (Fees and Terms)
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 Certificate Form
Deposit Accounts, Documentation: Assumed Name--Duration and Renewal of Certificates
Deposit Accounts, Documentation: Assumed Name--What is it?
Deposit Accounts, Documentation: Assumed Names Primer
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 a Joint Account to an Individual Account
Deposit Accounts, Documentation: Changing Customers' Account Numbers
Deposit Accounts, Documentation: Company changed name--deposits in old name
Deposit Accounts, Documentation: Convenience Signers 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 Business--What’s Considered Transacting or Doing Business in Texas
Deposit Accounts, Documentation: Out-of-State Corporate Accounts
Deposit Accounts, Documentation: POD Accounts: Answers to Several Common Questions
Deposit Accounts, Documentation: Remote Capture
Deposit Accounts, Documentation: Required Information--Taxpayer Number
Deposit Accounts, Documentation: Right of Survivorship With Multiple Survivors
Deposit Accounts, Documentation: SB 1791 Disclosure Requirements
Deposit Accounts, Documentation: Signature Cards--Name on Signature Card
Deposit Accounts, Documentation: Sole Proprietors
Deposit Accounts, Documentation: Tax ID Numbers--Certification of TINs
Deposit Accounts, Documentation: Telemarketer Account
Deposit Accounts, Documentation: Trust Account Opening When We Don't Have Trust Powers
Deposit Accounts, Documentation: Trust Document or Certificate of Trust
Deposit Accounts, Documentation: Trusts, Certification of Trust
Deposit Accounts, Documentation: Trusts, Living Trust - TIN
Deposit Accounts, Documentation: Two Signatures Required on Checks
Deposit Accounts, Documentation: Unilateral Change in Ownership
Deposit Accounts, Fiduciary Authority: Fiduciary Adding Authorized Signor
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: Attachment to Convenience Signer
Deposit Accounts, Garnishment/Levy: Child Support Lien
Deposit Accounts, Garnishment/Levy: Child Support Notice of Levy on IRA's
Deposit Accounts, Garnishment/Levy: Protection of Federal Benefits and Charging a Fee
Deposit Accounts, Garnishment/Levy: Rules on Federal Benefits
Deposit Accounts, Gift Cards: Best Practices
Deposit Accounts, Gift Cards: BSA
Deposit Accounts, Gift Cards: Reg. E
Deposit Accounts, Health Savings Accounts: HSAs and Levies
Deposit Accounts, Levy – Out of State Levy (Foreign Levy)
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: Joint Accounts With an Adult (e.g. Parent/Guardian)
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, New Account Incentives
Deposit Accounts, NOW Account Qualification
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: Overdraft Privilege
Deposit Accounts, Overdraft: Overdraft Privilege to Customers
Deposit Accounts, Overdraft: Reg. E - Overdraft on Debit Cards and ATM
Deposit Accounts, Overdraft: Reg. E - Overdraft rules effective 07.01.2010
Deposit Accounts, Overdraft: Reg. E - Overdraft Rules for Debit and ATM
Deposit Accounts, Overdraft: Setoff/Offset
Deposit Accounts, Overdraft: Setoff/Offset and Overdraft Protection
Deposit Accounts, Overdrafts: Interest on Overdrafts & Regulation Z
Deposit Accounts, Overdrafts: Removal from Program and Opt-In
Deposit Accounts, Overdrafts: Repayment Plan
Deposit Accounts, Power of Attorney: Attorney-in-fact naming self POD Beneficiary
Deposit Accounts, Power of Attorney: Closing an Account
Deposit Accounts, Power of Attorney: Out of State POAs
Deposit Accounts, Power of Attorney: POAs and PODs
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. DD (Truth In Savings); Underpaid Interest
Deposit Accounts, Reg. E: EFT Disclosures on Commercial Accounts
Deposit Accounts, Reg. E: EFT Error Liability Limits
Deposit Accounts, Reg. E: Electronic Delivery of Disclosures
Deposit Accounts, Reg. E: Funds Transfer Procedures
Deposit Accounts, Reg. E: Late Notice by Accountholder
Deposit Accounts, Reg. E: Mobile Banking
Deposit Accounts, Reg. E: Must We Investigate all Disputes?
Deposit Accounts, Reg. E: Stop Payments and Revocations
Deposit Accounts, Required Monitoring: Politically Exposed Persons
Deposit Accounts, Right of Setoff/Offset: Adding to Loan Balance
Deposit Accounts, Right of Setoff/Offset: Cashing On-Us Checks
Deposit Accounts, Right of Setoff/Offset: Cashing On-Us Checks
Deposit Accounts, Right of Setoff/Offset: Social Security Benefits
Deposit Accounts, Transacting on behalf of a mentally incapacitated person
Deposit Accounts, Trusts: Trust Created by Attorney-In-Fact
Human Resources, Affirmative Action Program
Human Resources, Benefits for Part-Time Employees
Human Resources, CFPB Mortgage Reforms: Mortgage Loan Originator (MLO) Compensation
Human Resources, Coffee Breaks
Human Resources, Credit Reports: Credit Reports on employees
Human Resources, Credit Reports: Denial of employment
Human Resources, Criminal Background Checks
Human Resources, Customer Information Stolen by Exiting Employee
Human Resources, Direct Deposit
Human Resources, Diversity: Diversity Plans
Human Resources, E-mail Monitoring
Human Resources, Employee Finances
Human Resources, Employee Personnel Files
Human Resources, Employee Reviews
Human Resources, Employee Termination
Human Resources, Exempt Employees: Is our employee 'exempt' or 'nonexempt'?
Human Resources, Gifts to Employees
Human Resources, Holiday Pay
Human Resources, Notary Public - Employer Rights With Respect To
Human Resources, Notary Public: Do Notaries Verify Contents of Documents?
Human Resources, Notice to employees on rights under NLRA
Human Resources, Overtime
Human Resources, Polygraph of an Employee
Human Resources, Training Requirements Mandated
Human Resources, Vacations: Requiring Vacation / Rotation of Duties
Human Resources, Vacations: Taking Two Consecutive Weeks Off?
Human Resources, Whistle Blowers: Duty to Report
Lending, Appraisals: Abundance of Caution
Lending, Appraisals: Accepting a Transferred Appraisal
Lending, Appraisals: Advance to Pay Delinquent Taxes
Lending, Appraisals: Appraisal Requirements for Secondary Collateral
Lending, Appraisals: Charging for Updated Appraisals
Lending, Appraisals: Commercial Real Estate Appraisal Reviews
Lending, Appraisals: Evaluations and Workouts
Lending, Appraisals: Is there model language for waiving the timing requirement to receive a copy of the appraisal?
Lending, Appraisals: Multiple Properties
Lending, Appraisals: Notice of right to receive copy of appraisal
Lending, Appraisals: Using an Existing Appraisal
Lending, CFPB Mortgage Reforms: Affiliates and Small Creditor Exemption
Lending, CFPB Mortgage Reforms: Coverage Questions & Answers
Lending, CFPB Mortgage Reforms: Qualified Mortgages, 3% Fee Cap and Insurance Premiums
Lending, CFPB Mortgage Reforms: Rural and Underserved Counties - 2013 List vs 2014 List
Lending, Commercial Loans: Accrual Methods, HB 1979 (2013) and Commercial Accrual Methods (Actual/360 & 365/360)
Lending, Commercial Loans: Credit Reports on Individuals
Lending, Commercial Loans: Late Charge - Commercial Loan
Lending, Commercial Loans: Late Charges, Interest Only, Accrual of Interest
Lending, Construction Lending: Multiple Advances
Lending, Construction Lending: Retainage
Lending, Credit Insurance
Lending, Credit Reports: Providing Free Credit Reports
Lending, Debt Cancellation Agreements: FAQs on Debt Cancellation Agreements
Lending, Deceased Spouse: Is the husband liable for his deceased wife's credit card debt?
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, Demand Feature
Lending, Denial: Denying a Loan to a Qualified But Abusive Applicant
Lending, Documents: May Bankers Prepare Loan Documents on Real Estate Secured Loans? Unauthorized Practice of Law?
Lending, Documents: Return of Note After Payoff
Lending, Documents: Spanish Translation of Consumer Notes
Lending, Documents: UPL, Modifications and Extensions
Lending, ECOA, Appraisals: Copies of Appraisals & Notice
Lending, ECOA, Appraisals: Denials And Delivery of Appraisal Notice
Lending, ECOA, Notice: Minimum Loan Amount
Lending, ECOA: Adverse Action Multiple Applicants ECOA FCRA
Lending, ECOA: TRID Intent to Proceed and ECOA Notices
Lending, Environmental Issues: Environmental Impact Studies
Lending, Fair Lending: Adverse Action for Joint Applicants
Lending, Fair Lending: Adverse Action on Businesses > $1 Million
Lending, Fair Lending: Adverse Action, RBPN and NTHLA
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 And Consumer Reports
Lending, Fair Lending: FCRA Credit Scores And Modifications
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: Reg. B - Notice of Joint intent
Lending, Fair Lending: Regulation B and Credit Score Disclosures
Lending, Fair Lending: Spousal Guarantees
Lending, Fair Lending: Spousal Signatures Financial Statements
Lending, Fees: Administrative Fees Reasonableness/Waiving
Lending, Fees: Administrative Fees – Renewals and Refinances
Lending, Fees: Administrative Fees--FAQs on Loan Administrative Fee
Lending, Fees: Market Evaluation Fee
Lending, Fees: Returned Check Fee
Lending, Financing Statements: Debtors Name
Lending, Flood Disaster Protection Act: Assignment of Lien
Lending, Flood Disaster Protection Act: Assignment of Promissory Note
Lending, Flood Disaster Protection Act: Elevated Structures
Lending, Flood Disaster Protection Act: Flood Zone Discrepancies
Lending, Flood Disaster Protection Act: Improvements Not in Flood Zone
Lending, Flood Disaster Protection Act: Interim Construction Lending
Lending, Flood Disaster Protection Act: Inventory and Contents
Lending, Flood Disaster Protection Act: Loan Renewal and Expiration of Forced Placed Insurance
Lending, Flood Disaster Protection Act: Modifications
Lending, Flood Disaster Protection Act: Multiple Structures
Lending, Flood Disaster Protection Act: Record of Evidence of Receipt of Flood Notice
Lending, Flood Disaster Protection Act: Reliance on Previous Determinations
Lending, Flood Disaster Protection Act: Renewals
Lending, Flood Disaster Protection Act: Required Coverage Amount
Lending, Flood Disaster Protection Act: Revised Flood Zone
Lending, Flood Disaster Protection Act: Signature Requirements on SFHD and NSFH
Lending, Flood Disaster Protection Act: Structures on Residential Property
Lending, Foreclosure: Self-Assessment of Practices
Lending, Foreclosure: Unpaid Taxes
Lending, HMDA: 2016 and 2017 Reporting Threshold & Data Collection
Lending, HMDA: Home Equity Loan Reporting
Lending, HMDA: Incomplete and Withdrawn Applications
Lending, HMDA: Modification of Interim Construction Loan
Lending, HMDA: Reporting Agricultural Purpose Loans
Lending, Home Equity Lending: Is there a waiting period after establishing homestead?
Lending, Home Equity: Acknowledgement of Fair Market Value
Lending, Home Equity: Additional Collateral
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: 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: Financing Initial Escrow Deposit
Lending, Home Equity: Flood Insurance
Lending, Home Equity: HELOC (Home Equity Line of Credit)--Advances Requested by Executor
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: Modifying to Avoid Foreclosure
Lending, Home Equity: No Other Property/Travel Trailer
Lending, Home Equity: Non-Occupant Owner
Lending, Home Equity: Number of Loans
Lending, Home Equity: Owelty loans
Lending, Home Equity: PayingOff Tax Lien Lender
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: Second (Vacation) Homes
Lending, Home Equity: Setoff/Offset
Lending, Home Equity: Subsection (g) Notice to a Non-Owner Spouse
Lending, Home Equity: Substantially Equal Payments
Lending, Home Equity: Trusts
Lending, Home Equity: Urban Homestead on Multiple Lots
Lending, Home Equity: Waiting a Year to Close Another Home Equity Loan
Lending, Homestead: Which house is homestead?
Lending, Identification: Loans to customers only providing ITINs
Lending, Interest: Capitalization of Accrued Interest
Lending, IRS Filings: Revenue Ruling 93 70 - 1099 Filing
Lending, Late Charges: Questions on Late Charge Calculations
Lending, Lending Limits - State Banks
Lending, Lending Limits: State Bank Increasing Its Lending Limit
Lending, Minors: Age of Majority
Lending, OFAC Searches: OFAC Search of Parties to the Transaction
Lending, OREO: Covered Transactions
Lending, Payments: Extension/Deferral
Lending, Payments: Skip a Payment Fees
Lending, Payoff: Obtaining Payoffs From Other Lenders
Lending, Payoff: Return of Documents to Borrower
Lending, Political Candidate
Lending, Precious Metals and Jewelry: Gold and Jewelry as Collateral
Lending, Real Property: Subsequent Disclosures for a modification (TILA, RESPA, HMDA)
Lending, Reg. O: Lower Loan Rates for Employees
Lending, Reg. O: Coverage of Advisory Directors
Lending, Reg. O: Executive Officer--Personal and Partnership Loans
Lending, Reg. O: Financing Second Home For Executive Officer
Lending, Reg. O: Loans to Spouse
Lending, Reg. O: Report of Executive Officer Indebtedness
Lending, Reg. Z, ATR: Self-Employed Borrowers and ATR
Lending, Reg. Z: Business Purpose Exemption
Lending, Reg. Z: Business Purpose Exemption
Lending, Reg. Z: Curing a Violation
Lending, Reg. Z: ETILs to Non-Obligors
Lending, Reg. Z: Lot Loan
Lending, Reg. Z: No Disclosures Provided
Lending, Reg. Z: Truth-In-Lending Disclosures for Co-Borrowers
Lending, Reg. Z: Valuation Independence
Lending, Reg. Z: ‘Renewal’ vs. ‘Refinancing’ vs. ‘Modification’
Lending, Regulation Z: HPML Threshold for QMs
Lending, Regulation Z: Interim Construction Loan Overruns
Lending, Regulation Z: Itemization and Disclosure of Fees
Lending, Regulation Z: Modification – Rate Increase
Lending, Regulation Z: Private Education Loans
Lending, Regulation Z: Workout Situations, ATR, and HMDA
Lending, Residential Loan: Taxes - Deferral of Elderly Property Tax
Lending, Residential Loans, Applications: Information to obtain
Lending, Residential Loans, FCRA: Mortgage Lender Disclosure
Lending, Residential Loans, HMDA: HMDA reporting Assisted Living
Lending, Residential Loans, HMDA: HMDA – Reporting After a Merger
Lending, Residential Loans, HMDA: Home Improvement Loans
Lending, Residential Loans, HMDA: Reporting
Lending, Residential Loans, HMDA: “Corrections” to GMI
Lending, Residential Loans, Home Improvement: 2nd Home Improvement Loan With Refinance
Lending, Residential Loans, Reg. Z: Error in Prepaid Finance Charges
Lending, Residential Loans, Reg. Z: Escrow Requirements and 2 Year QM Transition
Lending, Residential Loans, Reg. Z: Escrow Under Higher Priced Mortgage Loans (HPML)
Lending, Residential Loans, Reg. Z: High Cost Loans
Lending, Residential Loans, Reg. Z: Higher Cost Home Loans
Lending, Residential Loans, Reg. Z: HOEPA, Decline to Provide Credit Life to Avoid HOEPA
Lending, Residential Loans, Reg. Z: HPML and Construction to Permanent Loans
Lending, Residential Loans, Reg. Z: HPML Escrow Requirements
Lending, Residential Loans, Reg. Z: Right of Rescission - Bridge Loans
Lending, Residential Loans, Reg. Z: Right of Rescission - Refinancing
Lending, Residential Loans, Reg. Z: Right of Rescission and Non-Owners
Lending, Residential Loans, Reg. Z: Short-term Balloon Notes
Lending, Residential Loans, Reg. Z: Tax Records and Ability to Repay
Lending, Residential Loans, RESPA, Foreclosure: 120 Day Delinquency Requirement
Lending, Residential Loans, RESPA, Foreclosure: Partial Payments – 120 Day Rule
Lending, Residential Loans, RESPA: Annual Escrow Analysis and Timing of Payments
Lending, Residential Loans, RESPA: Borrower Paying Referral Fee
Lending, Residential Loans, RESPA: Change in Circumstance
Lending, Residential Loans, RESPA: Credit Report Fees
Lending, Residential Loans, RESPA: Document Preparation Fees on the GFE
Lending, Residential Loans, RESPA: GFE and Important Dates
Lending, Residential Loans, RESPA: How much must we escrow
Lending, Residential Loans, RESPA: Modifications/Modify vs. Refinances
Lending, Residential Loans, RESPA: Refund to the Borrower
Lending, Residential Loans, RESPA: RESPA, Reg. Z, and Real Estate Note Renewal
Lending, Residential Loans, RESPA: Securing A Purchase Money Loan With Rental Property
Lending, Residential Loans, RESPA: Tolerance Thresholds on the GFE
Lending, Residential Loans, SAFE Act: Mortgage Loan Originators, Is My Teller an MLO?
Lending, Residential Loans, SAFE Act: Registration Begins; IBAT Offers Compliance Tips
Lending, Residential Loans, SAFE Act: Registration of Loan Originators
Lending, Residential Loans, SAFE Act: State License
Lending, Residential Loans, SAFE Act: State Regulation of Mortgage Loan Originators
Lending, Residential Loans, SAFE Act: What loan documents need to include the MLO name and NMLS number?
Lending, Residential Loans: APOR Limits
Lending, Residential Loans: Assumption
Lending, Residential Loans: Can We Make A Non-QM Loan?
Lending, Residential Loans: Chapter 157 Texas Finance Code
Lending, Residential Loans: Date of First Payment
Lending, Residential Loans: Deferments
Lending, Residential Loans: Definition of Contract
Lending, Residential Loans: Disclosures on a Triplex (TILA, RESPA, and HMDA)
Lending, Residential Loans: Home Improvement: 5-Day Waiting Period
Lending, Residential Loans: Homeownership Counseling
Lending, Residential Loans: Homestead Lien Refinance
Lending, Residential Loans: Insurance Claims
Lending, Residential Loans: Interim Construction Lending--Mortgage Policy
Lending, Residential Loans: Manufactured Housing, Landlord's Lien
Lending, Residential Loans: Mixed Purpose Loan
Lending, Residential Loans: Modification Fees
Lending, Residential Loans: Mortgage Fraud
Lending, Residential Loans: Mortgage Fraud - Application Notice
Lending, Residential Loans: Mortgage Loan - Coupon to Borrower
Lending, Residential Loans: Notice on False or Misleading Statements
Lending, Residential Loans: Payoff Statement Rules
Lending, Residential Loans: Refinance of a Balloon
Lending, Residential Loans: Repayment Dependent on Anticipated Tax Credit
Lending, Residential Loans: Secondary Mortgage, Fees
Lending, Residential Loans: Tax Lien Loans
Lending, Residential Loans: Tax Lien Loans
Lending, Residential Loans: Texas Mortgage Company Disclosures
Lending, Residential Loans: Texas – Information to Surviving Spouse
Lending, Secured Lending, Abundance of Caution: Abundance of Caution and Regulatory Relief
Lending, Secured Lending: Business Property Securing a Personal Loan
Lending, Secured Lending: Collateral Description in a Financing Statement (UCC-1)
Lending, Secured Lending: Debtor's Name in Financing Statements (UCC-1)
Lending, Secured Lending: Debtors name for Financing Statement (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, Secured Lending: Uncertificated Time Deposits
Lending, Service Members: "Extras" to Auto Loan
Lending, Service Members: Are Guarantors “Covered Borrowers”
Lending, Service Members: Expired Form - SCRA Notice Disclosure
Lending, Service Members: Helping Dependents Understand the Servicemembers Civil Relief Act
Lending, Service Members: Interest Rate Limitation
Lending, Service Members: Lower Interest Rates for Servicemen?
Lending, Service Members: MAPR and Administrative Fees
Lending, Service Members: MLA Policy
Lending, Service Members: MLA Questions
Lending, Service Members: Procedure for Providing SCRA Notice Disclosure
Lending, Service Members: Servicemembers Civil Relief Act--Covered Borrower Identification Statement
Lending, Service Members: Servicemembers Civil Relief Act--Determining When Active Duty Starts
Lending, Spec Loans: Builder “Purchasing” Home
Lending, Tax Liens: Person Property Tax Liens
Lending, TRID: Appraisal Notice Requirements
Lending, TRID: Assumptions
Lending, TRID: Business-Purpose Exemption
Lending, TRID: Changed Circumstance and Revised LE Timing
Lending, TRID: Closing Disclosure and RoR
Lending, TRID: Closing Disclosure, Settlement Agent
Lending, TRID: Dates on a Revised Loan Estimate
Lending, TRID: Expired Loan Estimates
Lending, TRID: Fees Paid By Seller
Lending, TRID: LE / CLoD and Right of Rescission
Lending, TRID: Lender Credit to Cure Excess Fee
Lending, TRID: Lender Credits
Lending, TRID: Loan Costs - CLoD
Lending, TRID: Loan Purpose on the LE
Lending, TRID: Post Consummation Changes to CLoD
Lending, TRID: Revised Loan Estimate
Lending, TRID: Revised Loan Estimate Timing
Lending, TRID: Rounding of Amounts
Lending, TRID: Sellers CLoD
Lending, TRID: Subordinate Financing/Grants
Lending, TRID: Texas Disclosure Form T-64
Lending, TRID: Three Day Waiting Period
Lending, TRID: Three-Business-Day Waiting Period and RoR
Lending, TRID: TRID and Modifications
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, Usury: Methods for Computing Interest
Lending, Usury: Methods for Computing Interest in Commercial Loans (Actual/360 & 365/360)
Lending, Workout: Capitalizing Past Due Payments
Operations, ATMs: Americans With Disabilities and ATM Standards
Operations, ATMs: Required Signage and Notices
Operations, ATMs: Safety Precautions Notice and Certification of Compliance
Operations, ATMs: Texas Safety Notice
Operations, ATMs: Texas Safety Notice – Information and Suggestions
Operations, Check Imaging
Operations, Complaints: Just what is a serious complaint?
Operations, Consumer Complaints
Operations, Corporate Governance
Operations, Directors: Oath of Directors at National Banks
Operations, Disaster Planning - Communications
Operations, Elder / Disabled Abuse: Duty to Report Suspected Elder or Disabled Abuse
Operations, Elder/Disabled Abuse: Report Online, by Phone or Call 911?
Operations, Electronic Records: Electronic Documents and Agreements
Operations, Email: Retention of Email
Operations, Employee Credit Reports: Sharing Credit Reports
Operations, Guns: Illegal to Have Gun in the Bank?
Operations, Holiday Gifts - Bank Bribery Act
Operations, Holidays
Operations, Hours of Operation: Changing Bank Hours
Operations, Hours of Operation: Saturday Drive-In Hours
Operations, Inactive Accounts and Escheat: Auto-Renewable Certificates of Deposit (CD)
Operations, Inactive Accounts and Escheat: Cashier's Check - Escheat
Operations, Inactive Accounts and Escheat: Charging a Dormant or Inactive Account Fee
Operations, Inactive Accounts and Escheat: Depositor Has Accounts With Activity and Some Without
Operations, Inactive Accounts and Escheat: Designation of Representative
Operations, Inactive Accounts and Escheat: Dormant Account Signature Cards
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: Unclaimed Property – Notice required each August 1st
Operations, Inactive Accounts and Escheat: When is an account “inactive”?
Operations, Internet Gambling: Regulation GG Responsibilities
Operations, Loan Production Office (LPO)
Operations, Lotteries
Operations, Lotteries: Charitable Contribution
Operations, Lotteries: Savings Promotion Raffle
Operations, LPO DPO: Permitted Activities
Operations, Mobile Banking: Deposit Holds / Funds Availability
Operations, Officers: Required Officers
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, Political Campaign Material at the Bank
Operations, Power of Attorney: Must Co-Attorneys-in-fact both act?
Operations, Privacy: Annual Notice
Operations, Privacy: Federal Model Privacy Form and the State Complaint Notice
Operations, Privacy: Information Security
Operations, Privacy: Model Language Disclosure Forms
Operations, Privacy: Notice of Availability
Operations, Prizes at New Branch Opening
Operations, Record Retention: Email Retention
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, Record Retention: Keeping Originals vs. Electronic Records
Operations, Record Retention: Optical Imaging/Keeping Originals?
Operations, Record Retention: Retaining Everything Electronically
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, Registered Agent: Appoint a registered agent, now!
Operations, Regulation E: Coverage Questions & Answers
Operations, Regulation E: Customer Penance Fee
Operations, Savings Bonds: Savings Bonds - FAQ Compilation
Operations, Security Breach
Operations, Security: Bait Money
Operations, Security: Coverage of ESIGN Consent
Operations, Signage, Handguns: Concealed Carry and Open Carry
Operations, Signage, Handguns: If We Use Cards or Oral, Must Give to All Carrying?
Operations, Signage, Handguns: Noncompliant Posting of Statutory Language
Operations, Signage: Bank And Branch Names
Operations, Signage: Texas DoB Certificate of Authority
Operations, SPAM - Federal and Texas Law
Operations, SSI Reclamations: Limiting Liability
Operations, Stored Value Cards: Inactivity Fees
Operations, Subpoena: Out of State Subpoena to Appear
Operations, Subpoena: Releasing Information to Law Enforcement
Operations, Tax Refunds: Cashing Tax Refund Checks
Operations, Tax Refunds: Tax Refund Fraud / Related Identity Theft
Operations, Third Party Relationships: Notification of Regulators
Operations, Trusts: Trustee Executing Power of Attorney
Operations, Wire Transfer: Name / Account Number Inconsistency
Operations, Wire Transfer: Recall of Wire by Originator
Operations, Wire Transfer: Wire Transfer Request by Phone
Operations: Securities Dealer/Broker in Banks
Regulators, Change of Exam Frequency for a State Bank
Safe Deposit Box, Access After Death of Renter
Safe Deposit Box, Change Ownership to a Trust
Safe Deposit Box, Deceased Owner: Death of Co-Trustee and Access to Box
Safe Deposit Box, Deceased Owner: Death of Joint Owner
Safe Deposit Box, Deceased Owner: Executor's Powers
Safe Deposit Box, Deceased Owner: May a safe deposit box be payable on death (POD)?
Safe Deposit Box, Deceased Owner: Removing Documents
Safe Deposit Box, Deputy: Rights of a Deputy
Safe Deposit Box, Drilled Box: Wrong Box Drilled
Safe Deposit Box, Fees: Service Charges and Late Fees
Safe Deposit Box, Keys: Routing Number on Keys
Safe Deposit Box, Opening Boxes on Saturdays and After Hours
Safe Deposit Box, Power of Attorney: Entry with Power of Attorney
Safe Deposit Box, Refusing Access Because of Overdraft
Safe Deposit Box, Removing an Owner
Safe Deposit Box, SAR: Question on Box Activity
Safe Deposit Box: Discount for Deposit Accountholders
Shareholders, Records: Review of Lists and Records

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