01/17/2011
Are funds held as collateral exempt from an IRS levy, or do these funds need to be included in the bank's response to the IRS levy received?
10/18/2010
We qualify loan applicants based on gross income. Our credit officer says that tax free income from SSI or VA Disability is the gross income and shouldn't be grossed up. I say the income is net and should be. Who's right? If we don't gross tax SSI up, are we discriminating?
09/13/2010
04/12/2010
We have a customer who has titled his business as an investment company, and indicated that on his CIP form. Recently, he withdrew $15,000 in cash, and when asked the nature of his business, explained that it was "hard-money lending". Considering the amount of cash withdrawn, which is unusual for him, could he be an MSB? What is a hard-money lender?
12/14/2009
Marketing is working on our E-SIGN promotions and wants to know what the E-SIGN agreement will include. Is it just lending, deposits, or can it include both?
01/26/2009
What is the unsecured legal lending limit for nationally chartered banks?
12/15/2008
How do I manage through today’s risky lending environment?
11/24/2008
Our regulators have requested that our bank more clearly define and document its credit policies. What should be included?
11/24/2008
How should a bank go about setting up a monitoring program for concentrations of credit? What information are should we look for, what types of concentrations should we monitor?
11/03/2008
What individual risk assessments is a bank expected to perform? How do the individual risk assessments fit together with an "enterprise risk assessment"?