Banker's Compliance Consulting Blog

Regulation CC Final Rule Issued

It seems like we’ve been waiting FOREVER for the funds availability sections of Regulation CC...

Currency Transaction Report for a Joint Account

Question: How do you complete Part I of a CTR for deposits into a joint account?

TRID: Construction Loan Escrow Payment

Question: On a construction-permanent loan (one closing), should the escrow payment be reflected...

Determining Insurable Value

Question: In our last exam, we were told to look at the appraisal’s replacement cost value or...

Compliance for Commercial Lenders

Commercial lenders often believe that compliance doesn’t apply to them.

HMDA + Approved Not Accepted = Confusion

When it comes to HMDA, there is a lot of confusion on reporting the type of action taken,...

Elder Abuse on the Rise

When it comes to hot issues in the BSA world, we find it’s sometimes hard to get bankers to fully...

Overdrafts: Available vs. Ledger Balance

What’s the big deal with using the available balance vs. the ledger balance when it comes to...

TRID Sales Price: Multiple Properties

Question: What do you use for the Sale Price if the customer is taking out one loan to buy two...

Regulation B: Everyone Gets a Piece of Paper

When it comes to taking adverse action under Regulation B we like to say, “everyone gets a piece of...

Payday Lending Rule Partially Delayed

The title of this blog might have you breathing a sigh of relief but don’t get too excited just...

Commercial Lending: Spouse Require Joint Application?

Question: If a spouse owns more than 25% of a company, can we require them to sign the joint...

What Should Dave Wear?

Flood Insurance Extended for 6 Months

Well that was fast! Last Friday, we alerted you that the National Flood Insurance Program (NFIP),...