Most Popular Compliance Content
Lost ATM/Debit Card
11/06/2016
If a consumer lost their ATM/DEBIT card 13 times, are we allowed not to issue another card to the client? Our disclosure only notes a $5.00 fee for replacement cards, there is no limit on replacements.
Are Partial Counties Allowed in Fair Lending Analysis?
11/06/2016
Can I take partial counties for my Fair Lending data analysis?
Reg DD 1030.5: Including Advertisements
10/30/2016
I have a question about Reg DD, 1030.5: can you include advertisements when sending subsequent disclosures of a new terms and conditions to the customer?
IR Disclosed in Promissory Note is Incorrect
10/30/2016
If the interest rate disclosed in a promissory note is incorrect (it is lower than what is actually being charged), is that a Reg Z problem? What if the TILA disclosure is within tolerance and is considered correct, could this then be an issue with UDAAP?
Home Construction Secured Only By Investment Acct.
10/30/2016
Our borrower wants a new home construction loan that will be secured only by an investment account. It is for a home he will live in once completed. What, if any, TIL or other disclosures must the bank provide since there is no actual dwelling or dirt securing the loan?