Banker's Compliance Consulting Blog

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...

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...

Charging Per Overdraft

Question: We currently have a daily limit on the number of overdrafts we charge but are going to...

Private Flood Insurance: Disparate Impact?

What do fair lending and disparate impact have to do with the new private flood insurance rules?

Exceeds the Maximum NFIP Deductible

Question: What if we have a private policy that meets all of the Biggert-Waters requirements except...

Beneficial Owners: Can We Rely on Existing CIP Information?

We often get the question, “Can we rely on existing CIP information to satisfy the Beneficial...

Cancelling an Escrow Account on a HPML

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Complaint Policy: Do You Need One?

Complaint Programs: Four Common Elements

Complaints have been receiving more and more attention in the last couple of years. Do you want to...