04/30/2007
Should a bank allow ACH transactions on home equity lines of credit that are generally accessed by a check? Consider that some checks are converted to an ACH transaction. Under what Regs would these types of transactions be governed and what is the risk to the bank and to the consumer?
04/02/2007
We are considering requiring our bank employees to only receive their statements via e-mail instead of print. Is there anything in the Regs that would prevent us from being able to do this since our employees are provided email access through the bank and can receive it there? Are we required to give them a choice of delivery method for their statement if this is available?
02/26/2007
Is it legally acceptable to send out initial disclosures electronically and to forgo mail altogether?
01/15/2007
We would like to look into using E-signatures with online applications to open accounts. Does anyone have any suggestions as to where to look for information on the requirements?
10/16/2006
We are considering requiring our employees to only receive their statements via e-mail instead of print. Is there anything in the Regs that would prevent us from being able to do this since our employees are provided email access through the bank and can receive it there? Are we required to give them a choice of delivery method for their statement if this is available?
02/27/2006
We are considering offering bill payment on our internet banking website. What regulations are applicable, and are there any additional disclosures required?
06/06/2005
Do internet transfers from a Money Market account count as in-house transfers as far as transfer limitations are concerned? We are currently making a large depositor physically make these transfers to meet regs.
04/05/2004
Several bank regulations (Reg Z, B, M, etc.) have been amended to allow for and provide guidance for providing disclosures electronically. What about RESPA disclosures? Can we provide them electronically and if so, under what conditions?
03/01/2004
If my bank offers electronic account statements but also sends paper statements, do I need to worry about ESIGN and the Fed's e-Regs?
09/15/2003
We are looking into offering a business check card (debit card for business). What info can you offer on what regs govern this type of product?