Latest Compliance - Delinquent Accounts/loans Topics

Question: In my review of files in the commercial lending department, I identified several loans that have the signature of the applicant's spouse.

The Federal Reserve's published Commentary to the high cost mortgage rule contains clarification and no real surprises.

When Congress enacted the National Flood Insurance Reform Act of 1994, it meant business. One of Congress' goals was to ensure that property needing flood insurance was in fact insured.

Atlanta has been a source for significant development in the fair lending arena.

Fair lending enforcement doesn't sit still. New issues and new interpretations of the Fair Housing Act and the Equal Credit Opportunity Act emerge with a relentless regularity.

How often is the input of the compliance manager brushed off with, "Oh, that's just compliance," or "If it weren't for compliance..." These are natural reactions to the often delivered the message

In a recent speech to the Maryland Bankers Association Compliance Conference, Paul Hancock, Chief, Housing &Civil Enforcement Section stated that the Department of Justice has three priority ar

The Federal Reserve has published its annual update to the Official Staff Commentary to Regulation Z.

Under the new regulation, CRA officially recognizes that commercial lending can be a method of helping to meet the credit needs of low and moderate income communities.

Question: Our HMDA LAR shows a drop in activity from last year. Will this be a concern in our next examination?