Banker's Compliance Consulting Blog

Ability to Repay Documentation

The Ability to Repay requirements found in Regulation Z require lenders to make a good faith and...

TRID Closing Disclosure: Estimated Taxes, Insurance & Assessments

The Estimated Taxes, Insurance, and Assessments section within the Projected Payments Table on the...

FinCEN issues an Alert on Increasing Mail Theft

FinCEN recently issued an Alert in light of what it’s seeing as a …a nationwide surge in check...

Regulation E: Provisional Credit

When a customer notifies you of an error, you are required to start an investigation. Under ...

CFPB Issues Advisory Opinion on RESPA Section 8

The CFPB recently issued an Advisory Opinion that focuses on how RESPA’s Section 8 prohibitions...

HMDA Data: Universal Loan Identifier

If you are a “large filer” for HMDA, meaning you report ALL data fields, you are required to report...

HMDA Small Filers: Loan Purpose

HMDA applies to applications for the purpose of Home Purchase, Home Improvement, Refinancing, or...

ECOA Small Business Lending Data Collection

We’re still waiting!

TRID: Disclosing Title Insurance

When it comes to disclosing the lender’s and owner’s title insurance on the Loan Estimate, it can...

BSA for Operations: CTRs

BSA compliance is the responsibility of everyone in your institution. On the operations side, you...