Consumer Real Estate-Require Principal Pay Down?
07/29/2018
Can you require a principal pay down on a consumer real estate loan?
07/29/2018
Can you require a principal pay down on a consumer real estate loan?
07/22/2018
Is an adverse action required to send to a customer if the bank force closes the customer's checking account?
07/22/2018
1. Do you need a new credit application for commercial loans that are renewals, extensions or change in terms on an existing account? 2. Do you need permissible purpose to pull a credit report on commercial loan renewals, extensions or change in terms on an existing account?
07/22/2018
If we disclose to our customers in the initial disclosure that all Reg E disputes must in writing and the customer orally submits a dispute, but doesn't follow up in writing, can we deny the claim?
07/15/2018
If an applicant for an account passes all the BSA and CIP qualifications (ID verification, chexsystems, credit report) to open an account, yet the bank employee has an uneasy feeling or is suspicious of their intentions, are we able to decline the applicant for the account? If not, what options do we have to protect the institution from a loss? If so, what should we provide as the reason for the decline on the notice of action letter?
07/08/2018
Who signs the Beneficial Ownership Certification form where it states " I,____, hereby certify, to the best of my knowledge, that the information provided above is complete and correct ? The bank employee or the Beneficial Owner who is opening the account?
07/01/2018
Is Popmoney considered an automatic transfer with regards to Reg D (excessive withdrawals) limitations?
06/24/2018
An entity is refinancing a loan .....the purpose of the loan is to provide funds to refinance the existing debt on a SFR. The proceeds are not being used to pay off another financial institution but to pay off the partners per the HUD. Is this a true refinance?
06/24/2018
We offer Super Checking accounts that pay interest. Do the eligibility rules under Regulation D apply to this type of account?
06/24/2018
Is it required for a bank to have a policy regarding posting of job openings on Facebook?