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Specific Reasons When Taking Adverse Action
By Jerod Moyer
| Apr 22, 2024
Under Regulation B, when you deny an application for credit, you owe the applicant an adverse...
TRID: Closing Disclosure Accuracy
By Jerod Moyer
| Apr 22, 2024
TRID requires that the Closing Disclosure (CD) be received by the borrower at least 3 (precise)...
FinCEN Issues Financial Trend Analysis on Elder Exploitation
By Amy Kudlacek
| Apr 22, 2024
On April 18th, FinCEN released a Financial Trend Analysis focused on Elder Financial Exploitation...
FREE Deposit Compliance Q & A Forum
By Jerod Moyer
| Apr 22, 2024
When you think of deposit compliance, one regulation that quickly springs to mind is Regulation E....
HMDA: Business Purpose Home Equity Loans
By David Dickinson
| Apr 22, 2024
HMDA is a regulation that leaves very little room for error and the potential consequences are...
What’s a TRID Application?
By Jerod Moyer
| Apr 12, 2024
We often say you can’t take the requirements of one regulation and apply those to another...
Section 1071: Management & Board Intersection
By Jerod Moyer
| Apr 12, 2024
When it comes to your Section 1071 implementation plan, it’s crucial that you don’t forget about...
Resources on Check Fraud
By Amy Kudlacek
| Apr 12, 2024
Check fraud continues to be a pressing issue for financial institutions. In fact, FinCEN reported...
HMDA Action Taken Date
By David Dickinson
| Apr 12, 2024
HMDA requires that financial institutions report the Action Taken Date on their HMDA-LAR. So, for...
Marijuana-Related Businesses
By Kevin Edwards
| Apr 11, 2024
As more and more states continue to legalize marijuana (whether for recreational use or medical...
Flood Insurance: Non-Participating Communities
By Jerod Moyer
| Apr 11, 2024
If you’re new to real estate lending, the concept of flood insurance is also probably quite new. In...
Elder Financial Exploitation Red Flags
By Amy Kudlacek
| Apr 11, 2024
Elder financial exploitation (EFE) is the most common form of elder abuse and is a real problem. In...
FDIC Advertising Updates: Policy & Procedures
By Jerod Moyer
| Apr 09, 2024
As you likely know, the FDIC released a Final Rule to update its signage and advertising...
What is a Qualified Mortgage (QM)?
By Kevin Edwards
| Apr 08, 2024
If you look up the definition of a Qualified Mortgage (QM) in Section 1026.43(e)(2) of Regulation...