|
Will assure that the bank is furnishing accurate information to consumer reporting agencies, including identifying the appropriate accounts and other relationships and the appropriate consumer(s).
Covers:
- Establishment and Implementation
- Standardization of Data
- Record Keeping
- Internal Controls
- Training
- Oversight of Service Providers
- Data Correction and Updating
- Dispute Investigation
- Data Reporting to Credit Reporting Agencies
- Policy Review
| | Prod Num: 282 Price: $75.00  |
|
|
| Establishes guidelines to assist the bank in protecting its interest in real estate-related transactions. Includes appraiser and evaluator qualifications and selection, as well as the competency requirements.
| | Prod Num: 124 Price: $225.00 |
|
|
| Provides procedures as required by the regulatory agencies. Includes information on exempt persons, internal records, currency transaction reports, Office of Foreign Assets Control, know your customer guidelines, wire transfers, anti-money laundering, and USA Patriot Act provisions.
| | Prod Num: 109 Price: $325.00 |
|
|
| Describes the responsibilities of the bank for disclosing to customers the new Check 21 requirements. Covers substitute checks and expedited recredit procedures and outlines the steps consumers must follow when making a claim. Includes sample text for Consumer Awareness disclosures and notices regarding claims.
| | Prod Num: 227 Price: $175.00 |
|
|
| Sets the tone for Community Reinvestment Act compliance, whether by strategic plan or lending, investment, or service tests. Includes information on delineation of assessment area, performance standards, performance evaluation, data collection, reporting, disclosures, and public file.
| | Prod Num: 120 Price: $175.00 |
|
|
| An overall policy for demonstrating how your bank will comply with the banking compliance regulations. Provides information on compliance officer and compliance council responsibilities, monitoring and control, and compliance risk ratings. Includes a risk ratings flow chart.
| | Prod Num: 104 Price: $175.00 |
|
|
| Covers the basis for the CIP procedures, definitions, procedures for verification through documents, non-documentary verification, lack of verification, and other items, such as when not to open the account, limited use of account, when the account will be closed, when additional information is required, record keeping, comparison with government lists, customer notice, and reliance on another financial institution.
| | Prod Num: 217 Price: $175.00 |
|
|
| Covers consumer disputes submitted to one or more credit reporting agencies (CRAs) for inclusion in a consumer report, including:
- Coverage
- Direct Dispute Submission Address
- Direct Dispute Notice Content
- Investigation and Reporting
- Frivolous or Irrelevant Disputes
- Policy Review and Procedures
| | Prod Num: 281 Price: $75.00 |
|
|
| Sets forth the bank’s systems and policies regarding the destruction of customer and consumer information. Defines various bank records and outlines steps to destroy information contained in them. Includes information to review a third-party service.
| | Prod Num: 232 Price: $125.00 |
|
|
| Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists.
| | Prod Num: 115 Price: $275.00 |
|
|
| Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications.
| | Prod Num: 117 Price: $125.00 |
|
|
| Designed to comply with all the regulatory agencies’ reporting requirements. Establishes internal procedures for disclosure, applications, activity reports, and loan file information.
| | Prod Num: 121 Price: $175.00 |
|
|
| Establishes fair lending activities, including taking loan applications, telephone inquiries, advertising, and credit evaluation standards. Also covers loan decisions, notifications, and adverse action. Includes discussion on prohibited actions, disparate treatment, and disparate impact.
| | Prod Num: 177 Price: $325.00 |
|
|
| Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures.
| | Prod Num: 123 Price: $175.00 |
|
|
| Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.
| | Prod Num: 119 Price: $175.00 |
|
|
| This policy offers guidance to a bank’s board of directors, management, and line personnel as to the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and guidance for education of bank staff and customers.
| | Prod Num: 224 Price: $225.00 |
|
|
| For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates.
| | Prod Num: 075 Price: $175.00 |
|
|
| Regulates the terms of certain extensions to active duty servicemembers, including Active Guard and Reserve duty, and their dependents.
| | Prod Num: 251 Price: $125.00 |
|
|
| This policy provides guidance to assess the risks associated with servicing MSBs. Topics include the identification, documentation, and monitoring of these entities, as well as the operational areas and reviews that must be conducted to be in compliance.
| | Prod Num: 235 Price: $175.00 |
|
|
| Reflects information contained in the FDIC’s Financial Institution Letter 46-2005 on Pre-Employment Background Screening. Covers the purpose and scope of the policy, responsibility, service providers, minimum screen requirements, additional screening procedures, and policy review. Note: This policy is included in our Human Resources policy (#184).
| | Prod Num: 237 Price: $125.00 |
|
|
| Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution.
| | Prod Num: 122 Price: $225.00 |
|
|
| Establishes procedures for receiving and handling consumer complaints. Sets forth the bank's intent to properly handle consumer credit contracts, late charge accounting practices, and cosigner practices.
| | Prod Num: 116 Price: $125.00 |
|
|
| Provides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting.
| | Prod Num: 118 Price: $175.00 |
|
|
| Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds.
| | Prod Num: 107 Price: $275.00 |
|
|
| Includes definitions for the various types of deposit accounts, as well as eligibility, transaction limitations, and penalties.
| | Prod Num: 105 Price: $125.00 |
|
|
| Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising, including considerations addressed in Regulation Q: Prohibition Against Payment of Interest on Demand Deposits.
| | Prod Num: 106 Price: $225.00 |
|
|
| Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution.
| | Prod Num: 108 Price: $225.00 |
|
|
| Designed to limit the risks that the failure of another depository institution poses to the bank. Provides the board with a methodology for establishing criteria to select a correspondent bank, and establishes responsibility and reporting requirements.
| | Prod Num: 103 Price: $175.00 |
|
|
| Policy states how the bank will implement its compliance with Regulation GG and how it will identify and block, or otherwise prevent and prohibit restricted transactions.
| | Prod Num: 263 Price: $175.00 |
|
|
| Addresses the collection, use, and retention of customer information including maintenance of accurate information, limiting employee access, protection via security procedures, maintaining customer privacy in business relationships with third parties, and disclosure of privacy principles to customers.
| | Prod Num: 200 Price: $375.00 |
|
|
| Covers the requirements of the Truth in Lending Act. Includes exempt transactions, open-end credit, credit cards, home equity lines of credit, closed-end credit, and right of rescission, as well as advertising for credit.
| | Prod Num: 114 Price: $325.00 |
|
|
| Provides the computation and reporting requirements of Regulation D and establishes internal procedures that assist personnel in complying with the reserve requirements.
| | Prod Num: 110 Price: $125.00 |
|
|
| Establishes limitations and duties regarding the release of information sought by government agencies.
| | Prod Num: 112 Price: $125.00 |
|
|
| Guides the bank in compliance with the SAFE Act in a manner appropriate to the nature, size, complexity, and scope of the bank's operations. Addresses registration requirements for mortgage loan originators and the bank, required information, use of unique identifiers and maintaining registrations.
| | Prod Num: 284 Price: $175.00 |
|
|
| Pertains to the protection of customer information from unauthorized or illegal disclosure. Covers the development and implementation of an information security program, including responsibility, assessment of risk, management and control of risk, employee education and training, testing, monitoring, oversight of service provider arrangements, updating/adjusting the program, and reporting to the board.
| | Prod Num: 202 Price: $275.00 |
|
|
| This policy outlines the financial relief protection extended to servicemembers when they are called into active military duty. Covers issues with direct implications to community banks, such as the bank’s obligations in reducing interest rates, installment and lease contracts, coverage of certain family members, and automatic extensions of power of attorney.
| | Prod Num: 223 Price: $175.00 |
|
|
| Provides the guidelines a bank must follow when reporting criminal activity, including insider misconduct.
| | Prod Num: 113 Price: $175.00 |
|
|
