Banker's Compliance Consulting Blog

Reporting Income for HMDA

During the loan application and underwriting process, loan officers often encounter different...

Military Lending Act Safe Harbor

In general, the Military Lending Act applies to any type of consumer credit (think Regulation Z)...

TRID Disclosures & the Unlimited Tolerance

There are certain fees and charges on a TRID-covered loan that are subject to an unlimited...

Reporting Demographic Information: Don't Touch It!

When an applicant provides their demographic information (race, sex, and ethnicity) in connection...

Red Flags for Elder Financial Exploitation

Detecting and preventing elder financial exploitation is all about awareness.Whether it is carried...

Small Filers & Exempt HMDA Data

If you are considered a “small filer” for HMDA, it basically means you don’t have to report as much...

FinCEN Issues Beneficial Owner Relief

On February 13th, FinCEN issued an Order granting “exceptive relief” to the beneficial owner...

Documenting Intent to Proceed for TRID

For applications subject to TRID, getting an applicant’s intent to proceed is an important step in...

TRID & Good Faith

“Good faith” is an important concept when it comes to providing TRID disclosures, such as the Loan...

Lender Role in the BSA/AML/CFT Program

Lenders typically aren’t involved in the day-to-day recordkeeping and reporting processes of an...