Banker's Compliance Consulting Blog

HMDA: What’s a Refinance?

HMDA banks are required to collect and report data regarding applications for dwelling-secured...

CFPB Issues Prepaid Interest Factsheet for General Qualified Mortgages

The CFPB brought some changes to the Qualified Mortgage (QM) world in 2021, including a revised ...

Pulling Credit Reports on Business Applicants

We get questions all the time about when you can and can’t pull a consumer report.

BSA Training for Everyone!

Bank Secrecy Act/Anti-Money Laundering compliance affects everyone in your bank in some way, shape,...

TRID Closing Disclosure: Estimated Taxes, Insurance & Assessments

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

Regulation CC: Additional Funds Availability Disclosures

You are likely aware that when you open a demand deposit account, you must provide the customer...

Record Cryptocurrency Seizure

If you’ve been paying attention, crypto/virtual currency has been coming up more and more. Not only...

Truth in Savings: Change in Terms

There are times when you need to (or just want to) change the terms of your deposit accounts. Maybe...

TRID Loan Estimate: Absorbed vs. Offset Costs

When it comes to itemizing charges on the Loan Estimate, the TRID Guidelines indicate there is a...

CFPB Requests Information on “Junk Fees”

CFPB Requests Information on “Junk Fees”