Free Downloads
Articles/Downloads
2007 BSA/AML Manual Changes
Bonus on Accounts
Flood Insurance Compliance
Relying On A Previous SFHDF
Policies, Procedures and Processes
HMDA Temporary Financing
Other Documents
Real Estate Matrix 6.2
We have designed this tool to assist loan officers. Examiners from all regulatory agencies use it. Once you know what the collateral and loan proceeds are, the Real Estate Matrix indicates which regulations apply, when you must provide specific disclosures and a brief description of each regulatory requirement.
You may download the Matrix and distribute it to your loan officers.
Escrow Analysis (Revised 09/06)
This excel spreadsheet calculates escrow deposits as defined in Section 3500.17 and tells you what numbers to put on the HUD-1/1A. This is an Excel document. After opening it you can save the spreadsheet to your hard drive.
HOEPA Worksheet Version 2007
This worksheet is a user-friendly excel spreadsheet. Input the requested information and the program will tell you whether your loan is subject to HOEPA. You can find the required disclosure on the second sheet of this excel program.
HOEPA Worksheet Version 2008
HMDA Flowchart
This flowchart helps you determine which loans are applicable to HMDA and which are not.
CIP Lobby Notice
This is a free (8" x 10") notice you can display in your lobby to meet the requirements of Section 326 of the USA PATRIOT Act.
CIP Sample Policy
CIP Procedures
All files are provided in PDF format.