Banker's Compliance Consulting Blog

MIRE Events: What About Modifications?

The flood insurance rules state that any time an institution makes, increases, renews or extends a...

2026 FREE Deposit Compliance Q & A

It’s that time again and we’d like to invite you to join us for our FREE Deposit Compliance Q & A...

Beneficial Owner Exceptive Relief

The “Exceptive Relief from Requirement to Identify and Verify Beneficial Owners at Each Account...

EFT Disputes & Card Loss or Theft

Loss or theft of an access device includes both the card being physically stolen or just the...

HMDA: Reporting Approved But Not Accepted

When reporting the action taken for HMDA, there are eight different options which include things...

Regulation Z’s Ability to Repay Rules: What’s Covered

Anytime you have a consumer-purpose, closed-end, dwelling-secured loan, there are potentially a lot...

Disclosing Absorbed & Offset Costs on the Closing Disclosure

When completing TRID disclosures, it’s important to understand that how you handle absorbed costs...

TRID's 0% Tolerance

Certain fees and charges disclosed on the Loan Estimate have a 0% tolerance.These include things...

BSA/AML/CFT: The Role of Frontline Personnel

Frontline personnel play a very important role within an institution’s BSA/AML/CFT Program.Tellers,...

Executive Order to Promote Access to Mortgage Credit

On March 13, 2026, President Trump issued an Executive Order (EO) entitled, “Promoting Access to...

Account-Opening Disclosures for Deposit Accounts

Regulation DD (Truth in Savings Act) requires a depository institution to …provide account...

Reporting Income for HMDA

During the loan application and underwriting process, loan officers often encounter different...

Military Lending Act Safe Harbor

In general, the Military Lending Act applies to any type of consumer credit (think Regulation Z)...

TRID Disclosures & the Unlimited Tolerance

There are certain fees and charges on a TRID-covered loan that are subject to an unlimited...

Reporting Demographic Information: Don't Touch It!

When an applicant provides their demographic information (race, sex, and ethnicity) in connection...

Red Flags for Elder Financial Exploitation

Detecting and preventing elder financial exploitation is all about awareness.Whether it is carried...

Small Filers & Exempt HMDA Data

If you are considered a “small filer” for HMDA, it basically means you don’t have to report as much...

FinCEN Issues Beneficial Owner Relief

On February 13th, FinCEN issued an Order granting “exceptive relief” to the beneficial owner...

Documenting Intent to Proceed for TRID

For applications subject to TRID, getting an applicant’s intent to proceed is an important step in...

TRID & Good Faith

“Good faith” is an important concept when it comes to providing TRID disclosures, such as the Loan...

Lender Role in the BSA/AML/CFT Program

Lenders typically aren’t involved in the day-to-day recordkeeping and reporting processes of an...

Regulation E Business Days

Many of the timing requirements found in Regulation E are based on “business days”.There are some...

HMDA: Reporting the Action Taken for Counteroffers

In one of our recent HMDA webinars, we received the following question:

HMDA: Reporting the Loan Amount

Reporting the loan amount for HMDA can be tricky.First of all, you are required to report the exact...

TRID: Estimates on the Closing Disclosure

The Closing Disclosure is required to be in the applicant’s hand at least three business days...

HMDA: Prequalifications vs. Preapprovals

Lenders, and others in the mortgage industry often use the terms “prequalification” and...

OFAC: What Your Frontline Needs to Know

When it comes to BSA/AML/CFT, your frontline personnel are a key to compliance.They are the ones...

TISA: What's the Purpose?

The Truth in Savings Act has been around for over 30 years and while it has seen some periodic...

Fair Lending & Commercial Lenders

It’s no secret that the regulatory compliance burden for commercial loans is often much less than...