Banker's Compliance Consulting Blog

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...

Relying on Previous Flood Determinations

One question we get quite often is, “can we rely on a prior flood determination”? In short, the...