Banker's Compliance Consulting Blog

Build Your Understanding of TRID Construction Loans

If you are a lender and you make closed-end, multiple advance loans to construct a consumer’s home,...

TRID for Beginners

What is an intent to proceed? Where does it go? How do I document it? Why do we even have to do it?

Suspicious Activity Reports & Computer Intrusion

Question: Should an attempt to hack into the bank’s website be reported as computer intrusion on...

Currency Transaction Report for a Joint Account

Question: How do you complete Part I of a CTR for deposits into a joint account?

TRID: Construction Loan Escrow Payment

Question: On a construction-permanent loan (one closing), should the escrow payment be reflected...

Determining Insurable Value

Question: In our last exam, we were told to look at the appraisal’s replacement cost value or...

Compliance for Commercial Lenders

Commercial lenders often believe that compliance doesn’t apply to them.

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...