Latest Operations - Flood Topics

Deposit Agreements that Enhance Reg E

04/07/2024

We had a problem with debit card claims so we modified our deposit agreement. If they don’t cooperate in the claim process, we can deny it. Do you think this solves the problem?

Effective date of guidance

07/30/2023

When will the Interagency Guidance on Third-Party Relationships: Risk Management document become effective?

Responsibility for safety and soundness

07/23/2023

Can we shift responsibility for safety and soundness to a third-party service provider in our contract with them?

The scope of the Interagency Risk Management Guidance

07/16/2023

Are the areas addressed in the Guidance limited to laws and regulations addressing fair lending and prohibitions against unfair, deceptive or abusive acts or practices?

Tailored approach to risk management

07/09/2023

Does my small community bank need to adopt the same third-party relationship risk management approaches as larger, more complex banking organizations?

Risk management life cycle

07/02/2023

Can the details provided in the Guidance with respect to the aspects of the risk management life cycle be used as a check list for my bank’s risk management plan?

Deposit Agreements that Enhance Reg E

01/08/2023

We had a problem with debit card claims so we modified our deposit agreement. If they don’t cooperate in the claim process, we can deny it. Do you think this solves the problem?

Benefits of Loan Imaging

09/12/2021

What are some of the benefits of loan imaging?

Deposit Agreements that Enhance Reg E

02/21/2021

We had a problem with debit card claims so we modified our deposit agreement. If they don’t cooperate in the claim process, we can deny it. Problem solved!

Escrow Payment Options

01/10/2021

We want to offer an option to all escrowed borrowers to lump sum pay any deficiency or shortage. Since it’s optional, it should be OK. Do you agree?

Vendor Guru Q&A - Operations

Financial impact of outdated check processing systems

Working through a document backlog

Secure document sharing with account holders

Exceptions and temporary signature cards

Real-Time Transaction Level Check Processing

Information lifecycle management

Exception categorization strategy

Omni-channel banking and technological change

Estates are a Nondesignated beneficiary—what does that mean?

12/22/2024

Beneficiaries of an IRA are deceased, does the estate become a beneficiary?

APY accuracy in ads and rate sheets

12/22/2024

With high interest rates, we've seen a fluctuation in APYs on our CD products due to our rate sheet and advertisements being static, but the APY can differ depending on the opening amount and date opened, causing a discrepancy from what's posted. Is it sufficient to disclose that the APY is subject to change based on [X] factors?

Financial impact of outdated check processing systems

12/22/2024

How does an outdated check processing system negatively impact bottom line performance?

Appraisal Bias and the risk to your fair lending program

12/15/2024

How can appraisal bias effect my fair lending program? We use a third-party

After Hours Change Orders

12/15/2024

We're exploring the idea of cash lockers - night drop meets ITM (similar to Amazon lockers at Whole Foods). The concept is for commercial clients to be able to pick up change orders after hours. Have you heard of this anywhere or know of any best practices?

Latest Operations - Flood Topics

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