Most Popular Lending Content
Set-off across state lines
05/04/2025
Our customer has a past due loan. Can the bank exercise the right of offset using a checking account that is held in a bank with the same charter but located out of state.
Advertising a 7/6 ARM product
05/04/2025
When advertising a 7/6 ARM product on a website is it acceptable to just show a payment amount per $1,000 based on a loan amount of $215,000 along with the interest rate and APR or should the payment be shown after the seven-year initial fixed-rate period as well to be in compliance?
HMDA: Income reporting of multiple applicants
05/04/2025
I have a HMDA loan that has four applicants. I know we need to collect GMI information for all four but only report two on the LAR. Do we report income for all four applicants on the LAR?
Use Cases for an ECM
04/27/2025
What are common use cases for an ECM in banking?
Offering loan application forms online
04/27/2025
We are considering putting our loan applications online as a PDF because we get asked a lot if we offer this. I am having trouble locating the do's and don'ts of this. Can someone please guide me in the right direction?