Banker's Compliance Consulting Blog

FinCEN Issues Orders Under Fentanyl Act

Pursuant to the FEND Off Fentanyl Act, FinCEN identified three Mexico-based financial institutions...

Identifying Red Flags

Each financial institution that offers or maintains covered accounts is required to develop and...

Construction Loans vs Lines

Lenders often refer to a construction loan as a construction line of credit. While you can call it...

FDIC Issues Consumer Compliance Supervisory Highlights

The FDIC recently released its Consumer Compliance Supervisory Highlights (July 2025) which...

What is a Successor in Interest?

The term “successor in interest” is a legal term that applies to a lot of different areas…product...

CTRs & Night Deposits

Financial institutions often receive large cash deposits via the night drop, especially from their...

FinCEN Advisory on Iran

In case you missed it, FinCEN issued an Advisory regarding Iran’s illicit oil smuggling activities,...

Regulation B Appraisal Requirements & Business Purpose Loans

There’s a misconception out there among some lenders that the Regulation B appraisal requirements...

Truth in Savings Disclosures for Overdrafts

The Truth is Savings Act (Regulation DD) has several disclosure requirements related to overdrafts.

Obtaining Customer TINs

On June 27th, FinCEN issued an Order that provides banks with greater flexibility when it comes to...

BSA/AML/CFT: Drug Trafficking

When we talk about “trafficking” from a BSA/AML/CFT perspective, it can include a wide variety of...

TISA: Change in Terms

When someone opens a new deposit account, the Truth in Savings Act (Regulation DD) requires that...

Section 1071 Delay Insights

As we reported back in June, the CFPB published an Interim Final Rule that officially delayed the...

Suspicious Activity: When to Escalate

Financial institution employees need to be on the lookout for anything that seems unusual or...

TISA & Fraud

During our Monthly Connection, we received a question about closing a customer’s account due to...

Affiliated Business Arrangement Disclosure

We recently received a couple of questions regarding the Affiliated Business Arrangement...

Regulation Z: Payment Processing

Deciphering the specific requirements for crediting consumer loan payments as required by ...

Privacy Notice Formatting

Institutions are required to provide a Privacy Notice to consumers when a new, ongoing customer...

Completing CTRs: Part IV Filing Institution Contact Information

When filling out a Currency Transaction Report (CTR), you would think that completing your...

Complaint Documentation

Documenting complaints appropriately and getting to the root cause is an important part of your ...

Appraisals: Customer & Reasonable Compensation

The valuation independence rules found in Regulation Z are designed to …ensure that real estate...