04/12/2020
If a customer doesn’t report an unauthorized ACH debit within 60 days of settlement, how long is the ODFI responsible for unauthorized consumer debits? Our customer couldn’t review statements, so they reported it to us outside of our return deadline.
10/20/2019
Is the term “Equal Housing Lender” on our website sufficient or should we actually have the “Dog House” logo?
02/10/2019
Can our bank prohibit (or strongly discourage) employees from listing their bank name on their personal Facebook page?
12/24/2017
What can we use to try to help educate customers about warning signs of identity theft?
12/17/2017
In the event someone attempted identity theft at our bank, but we caught it and therefore didn’t suffer a loss, do we not have to file a SAR?
07/08/2013
I have a customer who was a partial recipient of loan proceeds. He asked that his part be disbursed in several cashier's checks made payable to his son. The son then would come in and cash the checks separately. Some needed a CTR and some not. I'm trying to decide if this warrants the filing of a SAR on either the father, the son or both?
05/21/2012
We are a small community bank and have a loan opportunity across state lines. We have never loaned outside our lending radius. We were wondering if the borrower is in one state and we are in another, do we use the note for the other state and not our state?
07/18/2011
I recently attended a Harland Laser Pro Regional Conference. It was indicated that the SAFE ACT states that mortgage lenders must register for a NMLSR. Does this include loan officers that just take Home Equity Loan and HELOC applications?
03/14/2011
It has been determined that a customer has fraudulently indicated employment on a loan application. At the time of the application he was employed, but at closing he had been terminated and did not notify the lending officer of his change in status. Other than a SAR, what else should I pursue to report this situation?
02/14/2011
A local attorney has informed one of our bank officers that the SAFE Act would require a lender to be a registered mortgage loan originator in order to close loans for lot purchases (land only). I haven't heard that in any of the seminars I have attended. Is this true?