Banker's Compliance Consulting Blog

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...

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?