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The Mortgage Life Cycle

Be sure to JOIN US beginning February 13, 2020, for our webinar, “The Mortgage Life Cycle (A Five-Part Webinar Series)”.  Mortgage lending compliance is tough!  There are a lot of rules and a lot of specific timing requirements which can create headaches for even...

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Tailored BSA Training

Training is one of the most important aspects of your BSA program. In fact, it's one of the five pillars.  BSA training should be tailored to match the various responsibilities of your Team. In other words, BSA training for your tellers should look a little...

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FDIC Common Deposit Violations

In November, we had the pleasure of attending the 2019 Iowa Bankers Association Compliance Conference.  One of the breakout sessions addressed common errors and findings from the FDIC.  Whether you are FDIC regulated or not, any time you have access to a...

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URLA Effective Date Announced

We know you’ve been patiently waiting, so we wanted to update you on the status of the redesigned Uniform Residential Loan Application (URLA / Form 1003).  You may recall the URLA was completely redesigned to support changes in regulatory (for example, HMDA) and...

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Social Media Advertising

Be sure to JOIN US on January 21, 2020, for our webinar on “Advertising”.  We get a lot of questions regarding the advertising requirements for social media…both for deposit products and loan products.  Many people believe there are exemptions from the advertising...

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FinCEN Revises CTR Instructions Again

In our November 2019 Magazine, we informed you of the fact that FinCEN had changed their Currency Transaction Report instructions (CTR XML Schema User Guide) and the corresponding answer to Question #16 in their CTR FAQs, in regard to reporting a conductor in Part I...

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Do You Audit TRID files?

Be sure to JOIN US on January 23, 2020, for our webinar, “Auditing TRID”.  If you audit TRID files, do your files have a copy of the seller’s Closing Disclosure?  This is a very common error we see when we conduct loan reviews.  While you are not...

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Struggling with Complaints?

Be sure to JOIN US on January 14, 2020, for our webinar, “Complaints, Complaint Programs & Compliance”.  Are you struggling to get your team to buy in to your bank's complaint and complaint management program?  If so, you are not the only one.  The word...

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Understanding Annual Percentage Yields

Be sure to JOIN US on January 16, 2020, for our webinar, “Truth in Savings Act”.  We’ve all heard the term “annual percentage yield” but have you ever stopped to think about it really, how to calculate it, and/or accurately disclose it?  Click on the video below to...

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Loan Pricing & Fair Lending

Be sure to JOIN US on January 16, 2020, for our webinar on “Fair Lending”.  Does your bank offer some sort of relationship loan pricing?  Being proactive, and not reactive, when it comes to the potential fair lending risks will help you stay out of trouble...

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