Most Popular Compliance Content
Overdrafts and UDAP
11/27/2016
Is UDAP (Unfair or Deceptive Acts or Practices) a concern with overdraft services?
Real Estate for Commercial Development: HMDA
11/27/2016
We have a transaction that was primarily for the purchase of real estate for commercial development. There is a single family dwelling on the site that the buyer intends to raze or sell to a buyer willing to have it moved. The loan term is 12 months interest only which may be refinanced for the commercial development phase or may be paid in full. Would you consider HMDA reportable?
Are gifts “kickbacks”?
11/27/2016
Does Section 8 prevent us from accepting Christmas gifts from providers such as appraisers and title companies?
State-Specific Disclosures: Residence State?
11/20/2016
Are state-specific disclosures (such as home equity or ARM, etc.) specific to the borrower's residence state or the state of the originating bank is? If a borrower crosses a state line to use a branch nearer their home or a borrower is buying a vacation home in another state and goes to a bank in that state, which state applies to the disclosures?
Enforcement of Section 8
11/20/2016
Wasn’t there a recent court decision that affects the CFPB’s ability to enforce Section 8?