Banker's Compliance Consulting Blog

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...

One-Time Debit & ATM Opt-In

Regulation E states, a financial institution holding a consumer’s account shall not assess a fee or...

When Do You Have An Application?

Regulation B defines an application as an oral or written request for an extension of credit that...