Most Popular Operations Content
Time Frame to File an Affidavit on Forged Items
12/03/2007
Is there a time frame for a customer to file an affidavit on forged items? Our customer noticed some forged checks in his bank statements. We filled out an affidavit. We were wondering if there is a time frame on doing this. One of the banks that the checks are being sent back to says the customer didn't do this in the right time frame.
Security Committee
12/03/2007
Who should be on the Security Committee?
Equal Housing Lender Logo
12/03/2007
The Q&A below in the InfoVault caught my attention. Where would I find the exemption for use of the EHL logo for national banks?<dir>Question: I am trying to find the required disclosures to include the following message on exterior signage "100% Financing Available, Low Down Payments and No Hidden Fees." Can you help? Answer: I don't believe any of the information provided in this signage triggers further disclosures. Refer to Section 226.16 of Reg Z (for open-end credit advertising requirements) and Section 226.24 (for closed-end credit advertising requirements). If this is a home loan promotion, you do need to include the Equal Housing Lender logo <strong>(<u>unless your institution is regulated by the OCC</u>)</strong>.</dir>
Email Taglines
12/03/2007
Our residential department has a tagline on all emails, advertising a new delivery channel. When our email goes outside it comes with standard text about "If you have received this in error......"Can I link to our website for the paragraph on CAN-SPAM and opting out of these advertisements? Otherwise, our email communications are getting cluttered. Also.....any ideas on tracking emails to the opt out people? We have a system for our mass mailings, but are still debating how to stop the emails with taglines.
Advertising on Website
12/03/2007
We would like to advertise on our bank's website a new CD product. With all of the disclosures required, the marketing department is having a tough time fitting all the required disclosures on the ad. Can we use a link on the ad to take them to the disclosures, or do they need to be on the ad itself?