Banker's Compliance Consulting Blog

HMDA Refinance vs. Modification

When it comes to HMDA, a refinance is reportable, but a modification generally is not. So, what’s...

Fannie Mae/Freddie Mac Mortgage Loans

Do you make Fannie Mae or Freddie Mac backed mortgage loans? If so, we had some recent developments...

First MSB Enforcement Action

Earlier this year, the National Credit Union Administration (NCUA) issued its first enforcement...

Reasons for Denying a Loan

When you deny a loan, you are required to send an Adverse Action Notice. Regulation B goes on to...

Send Us Your Deposit Compliance Questions!

Free Compliance Resources! Published2021/04/26

How Much Flood Insurance?

How much flood insurance do you need? This is a question we get a lot. If you make, increase,...

HMDA Data Reporting

HMDA: Data Reporting

Joint Intent At Application

Regulation B states, a person’s intent to be a joint applicant must be evidenced at the time of...

HPML & HCM Questions

Do you have questions related to Higher-Priced and/or Higher-Cost Mortgage Loans? You are not...

HMDA: Collecting Demographic Information

Collecting an applicant’s demographic information (race, ethnicity & sex) isn’t always as easy as...