Compliance Action, Volume 18, Number 4

Fair Lending: The Effects Test is Alive and Well (4 Action Steps)

By Lucy Griffin

To clarify the standard for evaluating discrimination under the Fair Housing Act, HUD has published a final rule implementing a discriminatory effects standard that will apply to all housing discrimination cases.

E-Sign - Some Compliance Details (4 Action Steps)

By Patti Blenden

The myriad ways consumers conduct banking transactions and open new accounts today can present some challenges for electronic signature compliance.

Action Training
Identifying Tax Refund Fraud (Bulleted List)

By Lucy Griffin

Tis the season for tax refunds and tax refund fraud...and maybe a little refresher course in fraud training.

Compliance Notes

• Marketing Opportunity
• FDIC Offers More Deposit Insurance Seminars
• CFPB Seeks Comments on Student Loan Modifications
• FRB's Report on Debit and Interchange Fees
• Review of CFPB's Use of Attorneys in Exams
• OCC Comment Request on Insurance Sales
• Redefining Insured Deposit

Compliance Calendar

In the Editor's Opinion
Supervision or Enforcement?

By Lucy Griffin

In the supervision vs. enforcement debate, which is better? And which one reaps the most benefit for consumers?

Compliance Q & A

• Marketing "Free" Checking Accounts
• Disclosures to Co-Applicant Without Credit Report

Fair Lending Training