Banker's Compliance Consulting Blog

Appraisals: Customer & Reasonable Compensation

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

Overdrafts & Fair Lending

When we talk to institutions about overdrafts, most are very aware that, if they originate an...

Seller-Paid Fees – Finance Charges?

Determining whether a fee is a finance charge can pose a challenge because there are often special...

The State of Fair Lending

You may have heard of President Trump’s Executive Order, “Restoring Equality of Opportunity and...

Regulation B: Completed Application

Regulation B is a little unique in that it defines both an “application” and a “completed...

FDIC Signage Reminders

During our most recent “Deposit Compliance Q & A FREE Forum”, we received a lot of questions...

Section 1071 for the Board: Policies, Procedures & Processes

We are in a holding pattern when it comes to the Section 1071 Rule. As we wait for a new regulation...

Written Loan Applications

Regulations, like Regulation B, TRID and HMDA, define what constitutes an application for their...

Regulation B: Specific Reasons for Denial

Regulation B says A creditor must disclose the principal reasons for denying an application or...

Flood Insurance: Co-Insurance Penalties

When it comes to flood insurance for condominiums, one thing that institutions need to be aware of...