Latest Lending - Internal Controls Topics

Creditor use of ACH to obtain payments

11/22/2020

Is a creditor subject to the Payday Lending Rule permitted to receive payments by ACH transfer?

Disclosures and notices under the Payday Loan Rule

11/15/2020

Can disclosures and notices be provided electronically under the Payday Lending regulation?

Consumers protected by the Payday Loan Rule

11/08/2020

Who are the consumers the Payday Loan rule is designed to protect?

Delaying the Payday Loan Rule

11/01/2020

What does the "stay" of the compliance date for the Payday Loan Rule do?

If we have a rate sheet that we give to real estate agents and our loan originators, but we know the true use will be for them to hand it to consumers or post it where consumers can readily access it, wouldn't we need to have the APR on it?

Using the EHL logo

09/20/2020

We include the Equal Housing Lender logo in all our home loan ads. Are we also required to include the “Equal Opportunity Lender” logo?

Get in the FDIC's Good Graces: Qualifying for the CBLR Framework

08/02/2020

What is the Grace Period for the Community Bank Leverage Ratio (CBLR) Framework?

E-SIGN when paper is still used

06/07/2020

If we are still delivering disclosures and statements in paper form, do we have to be concerned with E-SIGN or UETA?

Required policy for payment extensions

04/26/2020

Do we need a policy on providing payment extensions to borrowers?

Rate Sheets and CAN-SPAM

03/01/2020

Are rate sheets we send to auto dealers and mortgage brokers CAN-SPAM covered?

Credit document imaging

10/13/2024

What is involved with credit document imaging?

Commercial credit document imaging

10/13/2024

What types of commercial credit documents are imaged by financial institutions?

Providing copy of appraisal final inspection

10/13/2024

Is there an ECOA/Regulation B delivery requirement for an appraisal final inspection to the borrowers prior to closing if the initial appraisal has already been delivered?

Reporting property location when multiple properties

10/06/2024

If I have a loan secured by four properties, which geocode do I use for HMDA reporting?

Collateral documents

10/06/2024

What types of collateral documents are commonly imaged by financial institutions?

Latest Lending - Internal Controls Topics

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