Say “I Do” to ECOA Compliance – Spousal Consent The Equal Credit Opportunity Act (ECOA), Regulation B, prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, military status, or …
Natalie Yerger Say “I Do” to ECOA Compliance - Spousal Consent
Are You Ready to Ride the Wave of the EFTA Class Action Suits? Lately, hundreds of consumer class action suits regarding noncompliance with the EFTA are being filed against financial institutions and other companies accepting electronic payments via debit cards …
Are You Ready to Ride the Wave of the EFTA Class Action Suits?
The new “KYC”…Know Your Collateral! When we think of the commercial lending world, we think of creative underwriting and complex transactions; however, in its simplest form, it can be divided into two different approaches: the cash flow-based credit market or …
Using Robo-Calling and Robo-Texting for Marketing? Make Sure You’re Offering a Way Out! The Telephone Consumer Protection Act (TCPA) may have been one of the lesser known or discussed regulations until taking center stage over the summer since the Federal …
Julie J. Mixtacki Using Robo-Calling and Robo-Texting for Marketing? Make Sure You’re Offering a Way Out!
Website Terms of Use Agreement….Is it Just Another Disclosure? Many have opined that, if it’s not a reg, then we aren’t doing it! Good news is there is no regulation per se to require this agreement. Bad news is that …
Website Terms of Use Agreement….Is it Just Another Disclosure?
Beneficial Ownership – The Best Defense is A Good Offense! Its time to call the team onto the practice field and start arranging those X’s and O’s! FinCEN’s proposed beneficial ownership ruling is looming and your financial institution’s best defense …
Beneficial Ownership – The Best Defense is A Good Offense! FinCEN Julie J. Mixtacki
What does the Military Lending Act have to do with “Customer Due Diligence”? The Department of Defense released its Military Lending Act final rule on July 22, with much of it becoming effective on October 1, 2015 with mandatory compliance …
Consumer credit Evelyn I. Dehmey Military Lending Act What does the Military Lending Act have to do with “Customer Due Diligence”?
Steps to Mitigate Your Bank’s Credit Risk Loan portfolios typically have the largest impact on the overall risk profile and earnings of community banks. A strong credit culture provides a platform for the Bank to compete successfully in its market. …
Information Security’s Newest Financial Risk – The Federal Trade Commission $400 million, that is the estimated financial loss of 700 million comprised records, as based upon the 2015 Verizon Data Breach Investigations Report. While the number is staggering, it’s only …
Cyber Security Information Security’s Newest Financial Risk – The Federal Trade Commission Jeffrey J. Johns
Get the Credit You Deserve – Part I An important component of the Community Reinvestment Act (CRA) Examination is Community Development. We are completing a 3 part mini-series on Community Development to ensure that you are receiving the credit that …