Vendor Guru Q&A - Compliance

Latest Compliance - Disclosures Topics

Weblinking: Compliance Advice from the OCC

08/01/2001

Hard on the heels of the FRB's interim rules on electronic disclosures comes guidance from the OCC on Weblinks.

More Privacy Issues

07/23/2001

by Mary Beth Guard

ATM Fees, Disclosures, and Proprietary ATMs

07/02/2001

Our Reg E disclosure states that our customers that use our proprietary ATM's and any ATM owned by our affiliateswould not be charged for any transactions. However, we have two ATMs located inside two different businesses. Both establishments are accessible by the public. These two ATMs are cash disbursement only. We have a sign that comes up to inform anyone who uses this machine that there would be a fee of $x.xx. Would we be in violation of our own policy/disclosure to charge a fee to our customers at these two ATMs?

Compliance Calendar

07/01/2001

July

Smothering The Best In Consumers

07/01/2001

It is very difficult to sit quietly at a Consumer Advisory Council meeting. It is tempting to share one's own ideas.

Solving Common Violations

06/01/2001

Reg DD: Truth in Savings

230.3(a): Form of disclosures

Compliance Calendar

06/01/2001

JUNE

RESPA Fee Checklist

05/07/2001

I am a mortgage broker. Certain local banks and credit unions want to refer loans to me. ...I could swear there used to be a RESPA checklist that outlined the things a person had to do in order to earn a fee, and of this list you had to do, I think, 5 of the entire list in order to legally earn a fee.

No ATM Fee: Do we need any disclosures?

05/07/2001

We don't charge an ATM fee Do we still have to post the disclosure on the ATM machine or put it on the printout?

Can we provide RESPA disclosures electronically?

05/07/2001

The Federal Reserve issued interim rules giving guidance for e-disclosures under Regs B, M, Z, etc. What about HUD? Can we, or can we not, provide RESPA disclosures electronically?

Deposits held by a bank as trustee under an irrevocable trust

08/07/2022

Do the amendment affect FDIC coverage of deposits maintained by a bank acting as trustee of any irrevocable trust?

Are written policies and procedures required?

07/31/2022

Does our bank have to have a written policy or procedures for handling garnishments?

Examiners and bank garnishment procedures

07/31/2022

Will our FDIC examiners be reviewing how we handle garnishments?

Beneficiaries included in the deposit insurance calculation

07/31/2022

What are the criteria for beneficiaries under the amended rules?

Handling Reg E claims on older transactions

07/31/2022

If an EFT claim is made long after the statement is sent showing the transaction, the rules of investigation don't apply. So why do we investigate any of these claims?

Latest Compliance - Disclosures Topics

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