Bank Policies


General Policies Personnel Deposits Security
Risk Management Collection & Privacy General Lending Lending - Compliance Related



General Policies
 
Code of Conduct and Ethics Program   Guides compliance with the Bank Bribery Act. Sets forth the basic policies of ethical conduct, the foundation of basic business standards, and personal conduct.  

Product Code: PLM-101
ICBA Member - $202.50
Non-Member - $225.00

     
Internal and External Audit   Designed to assist board members with their audit responsibilities. Includes audit function structure and committee meetings, technical duties, compliance, filing audit reports, roles and responsibilities of the auditor, the audit program, program effectiveness, external audit firms, and review of external audit.  

Product Code: PLM-085
ICBA Member - $202.50
Non-Member - $225.00

     
Internal Controls   Addresses the various controls to ensure efficient and effective bank operations, the reliability of financial reporting, and an effective risk management system. Covers administrative, accounting, and operating controls.  

Product Code: PLM-242
ICBA Member - $202.50
Non-Member - $225.00

     
Compliance Management   This is 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.  

Product Code: PLC-104
ICBA Member - $157.50
Non-Member - $175.00

     
Electronic Data Processing   Outlines the basic standards required to meet all areas of the bank's data processing operations. Provides structure and guidance to management, establishes controls, and addresses outside vendors, program security, and documentation.
 

Product Code: PLM-094
ICBA Member - $157.50
Non-Member - $175.00

     
Overdraft Protection   A new policy that guides a bank through the best practices in setting up an Overdraft Protection program.
 

Product Code: PLC-239
ICBA Member - $157.50
Non-Member - $175.00

     
Overdrafts   Designed to address the risk associated with overdrafts, including the responsibility to communicate the policy to customers, payment or return of items, collection, charge-off and account closings, error resolution, and reporting.
 

Product Code: PLL-084
ICBA Member - $157.50
Non-Member - $175.00

     
Bank Owned Life Insurance (BOLI)   Identifies risks inherent in the acquisition, retention, and use of BOLI. Covers specific types and limitations on BOLI, including key persons, cost recovery, split-dollar life insurance, and life insurance on borrowers.
 

Product Code: PLM-234
ICBA Member - $247.50
Non-Member - $275.00

     
Sale of Nondeposit Investments   Applies to all retail sales of nondeposit products, including marketing and promotional activities. Covers objectives, scope, responsibility, minimum standards, program management, setting and circumstances of sales, disclosures and advertising, suitability, qualifications and training, compensation, fiduciary accounts, third-party arrangements, compliance and audit, exceptions to policy, and policy review.
 

Product Code: PLM-230
ICBA Member - $157.50
Non-Member - $175.00

     
Wire Transfer   Identifies the risks and establishes the policies dealing with wire transfers. Covers how to accurately process requests made in person, by phone, or other electronic means, with emphasis on regulatory requirements, money laundering, and settlement by giving best practice examples.
 

Product Code: PLM-159
ICBA Member - $112.50
Non-Member - $125.00

     
Safe Deposit Box   Will ensure that the bank operates in a manner that complies with all applicable laws and provides absolute safety and privacy to customers with safe deposit boxes. Covers objectives, definitions and scope, responsibility, CIP, rental contracts, state law issues, customer and master keys, access, employee access, delinquency and termination, fees/charges, record keeping, insurance, audit, and policy review.
 

Product Code: PLM-162
ICBA Member - $247.50
Non-Member - $275.00

     
Fixed Asset Management   Describes the responsibilities and processes utilized in the management of the bank's building, fixtures, furniture, and equipment.  

Product Code: PLM-222
ICBA Member - $157.50
Non-Member - $175.00

     
Holding Company   Sets forth the underlying philosophy and structure for all relationships and transactions between the bank and the holding company.  

Product Code: PLM-225
ICBA Member - $157.50
Non-Member - $175.00

     
Insurance and Annuities Sales   Covers the bank's objectives regarding insurance and annuities sales, responsibilities, program management, setting circumstances of sales, qualifications and licensing, disclosures and advertising, salaries and compensation, third-party arrangements, compliance and audit, and the prohibitions of insurance sales.  

Product Code: PLM-201
ICBA Member - $337.50
Non-Member - $375.00

     
Cross-Selling of Products and Services   May be used as a freestanding policy or incorporated into your bank's broader-coverage marketing policy. Covers responsibilities for administering and overseeing the cross-selling program, participation and involvement, access and use of customer data for prospecting, compensation and incentives, elements for effective training and coaching, and quality assurance.  

Product Code: PLM-203
ICBA Member - $292.50
Non-Member - $325.00

     
Dormant Accounts   Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments.  

Product Code: PLM-185
ICBA Member - $157.50
Non-Member - $175.00

     
Branch Closing   Sets forth the procedures required by the regulatory agencies to close a branch office, including profit analysis and availability of services.
 

Product Code: PLM-092
ICBA Member - $157.50
Non-Member - $175.00

     
Marketing   Provides guidelines for the management of the bank's marketing function, including development of the annual marketing plan and ongoing decision making. Includes regulatory compliance, geographic limitations, and prohibited activities.  

Product Code: PLM-090
ICBA Member - $157.50
Non-Member - $175.00


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Personnel
 
Human Resources  

Provides management with a clear understanding of what the bank expects from its employees and, in turn, what employees can expect from the bank. Covers equal employment opportunity, employee classifications, employee compensation, hiring practices, vacations, sick leave, family and medical leave, education, termination, and sexual harassment. Includes new employee orientation and training.

 

Product Code: PLM-184
ICBA Member - $337.50 Non-Member - $375.00

     
Pre-Employment Background Screening  

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).

 

Product Code: PLM-237
ICBA Member - $112.50
Non-Member - $125.00

     
Insider and Affiliate Credit   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.  

Product Code: PLC-075
ICBA Member - $157.50
Non-Member - $175.00

     
Board of Directors  

Designed to assist the board in recognizing and carrying out its duties and responsibilities for overall direction of the bank. Includes planning and budgeting, monitoring operations, overseeing business performance, training, committees, and code of conduct.

 

Product Code: PLM-100
ICBA Member - $247.50
Non-Member - $275.00

     
Charitable Contributions   Establishes the types of contributions the bank will grant and sets forth the budgeting and operational procedures needed to implement the policy.  

Product Code: PLM-086
ICBA Member - $157.50
Non-Member - $175.00

     
Executive Officer   Defines the relationship between the board and executive management and between executive management and the bank's other personnel. Covers hiring practices, management succession, promotions, and salary administration.  

Product Code: PLM-087
ICBA Member - $157.50
Non-Member - $175.00

     
Business and Travel Expense   Defines the general types of expenses the bank will incur; establishes the budgeting and operational procedures needed to implement the policy; and provides policy guidelines for travel and entertainment.

Product Code: PLM-089
ICBA Member - $157.50
Non-Member - $175.00


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Deposits
 
Bank Secrecy and Anti-Money Laundering   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, and anti-money laundering.  

Product Code: PLC-109
ICBA Member - $292.50
Non-Member - $325.00

     
Customer Identification Program   This policy can be readily incorporated into your bank's existing BSA and AML policies. 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.  

Product Code: PLC-217
ICBA Member - $157.50
Non-Member - $175.00

     
Money Services Businesses   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.  

Product Code: PLC-235
ICBA Member - $157.50
Non-Member - $175.00

     
Regulation D: Definitions and Reserve Requirements Policy   Includes definitions for the various types of deposit accounts, as well as eligibility, transaction limitations, and penalties. Provides the computation and reporting requirements of Regulation D and establishes internal procedures that assist personnel in complying with the reserve requirements.  

Product Code: PLC-105
ICBA Member - $112.50
Non-Member - $125.00

     
Regulation DD: Deposit Account Terms   Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising.  

Product Code: PLC-106
ICBA Member - $202.50
Non-Member - $225.00

     
Regulation CC: Expedited Funds Availability Act   Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds.  

Product Code: PLC-107
ICBA Member - $247.50
Non-Member - $275.00

     
Check 21   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.  

Product Code: PLC-227
ICBA Member - $157.50
Non-Member - $175.00

     
Regulation E: Electronic Funds Transfer Act   Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution.

 

Product Code: PLC-108
ICBA Member - $202.50
Non-Member - $225.00

     
     
Regulation E: International Remittance Transfer Policy Act   Provides guidance for those banks that will act as Remittance Transfer Providers. Dodd-Frank added consumer protections for remittance transfers sent by consumers in the United States to individuals and businesses in foreign countries. The systems required by this regulation are intended to significantly improve the predictability of remittance transfers, as well as provide consumers with better information for comparison shopping. This policy is designed for those banks that will process more than 100 remittance transfers annually.

 

Product Code: PLC-293
ICBA Member - $157.50
Non-Member - $175.00

     
Regulation GG - Unlawful Internet Gambling Policy   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.  

Product Code: PLC-263
ICBA Member - $157.50
Non-Member - $175.00


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Security
 
Bank Security   Provides the requirements of the regulatory agencies and covers all aspects of bank security, including designation of a security officer, security devices, maintenance, testing, training, and robbery procedures.  

Product Code: PLM-214
ICBA Member - $202.50
Non-Member - $225.00

   
Suspicious Activity Reporting   Provides the guidelines a bank must follow when reporting criminal activity, including insider misconduct.  

Product Code: PLC-113
ICBA Member - $157.50 Non-Member - $175.00

   
Contingency Planning  

Designed to provide a risk management plan to avoid potential losses. Includes policy implementation, bank security, emergency procedures, back-up sites, loss prevention, liquidity, insurance policies, asset protection, and risk management training.

 

Product Code: PLM-072
ICBA Member - $157.50
Non-Member - $175.00

     
Emergency Preparedness and Disaster Recovery   Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing.  

Product Code: PLM-151
ICBA Member - $247.50
Non-Member - $275.00

     
Pandemic Policy   This may be used as a stand alone policy or incorporated into your Business Continuity Policy. Contains guidance from The Interagency Statement on Pandemic Planning. Includes sample Pandemic Plan.  

Product Code: PLM-253
ICBA Member - $157.50
Non-Member - $175.00


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Risk Management
 
ACH   Establishes policy guidelines to reduce risk exposure and ensure compliance with NACHA Operating Rules and applicable federal regulations when originating or receiving ACH transactions. On the risk side, the policy covers management of originator credit risk, exposure risk, regulatory risk, third-party processor risk, Internet transaction risk, operational risk liquidity risk and disaster risk management. Operational area covered include responsibility/authority, originator transaction processing, customer risk coding, check-to-ACH conversion (CTAC), third-party processors, exposure monitoring, compliance, Internet transactions, daily RDFI operations, scope of ODFI services, daily ODFI operations, operational contingencies, and policy review.
 

Product Code: PLM-229
ICBA Member - $292.50
Non-Member - $325.00

     
Remote Deposit Capture   Identifies and explains the inherent risks associated with RDC, establishes a sound risk management program and outlines internal controls and written procedures for managing the on-going risk.
 

Product Code: PLM-248
ICBA Member - $202.50
Non-Member - $225.00

     
Internet and E-Mail Risk Management   Establishes a set of policies for use of the Internet and e-mail facilities. Includes guidelines for customers' privacy, procedures in the case of disruptions of bank operations, bank computers, terminals, software, and their electronic connections.  

Product Code: PLM-183
ICBA Member - $247.50
Non-Member - $275.00

     
Model Risk Management Policy   Establishes methodology to mitigate potential risks arising from the bank's reliance on financial models and to ensure that the sources and the magnitude of the bank's model risk are understood and managed effectively.  

Product Code: PLM-295
ICBA Member - $157.50
Non-Member - $175.00

     
Technology Risk Management   Covers responsibility and management structure; security concerns related to physical systems, personnel, computers/databases, audit trails, and cyber threats; electronic banking; contingency planning; and potential exceptions.  

Product Code: PLM-176
ICBA Member - $337.50
Non-Member - $375.00

     
Social Media Policy and Guidelines   Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User Guidelines for Social Media.  

Product Code: PLM-289
ICBA Member - $220.50
Non-Member - $245.00

     
Interest Rate Risk   Establishes the guidelines to ensure that the bank is managed to recognize, measure, and control interest rate risk by setting risk limits, strategies, and reporting formats.

Updated to reflect the current expectations of the regulators as outlined in FIL-2-2012 Supervisory Guidance: Interest Rate Risk Management.

Major topics covered in the policy:
  • Risk measurement methodologies
  • Interest rate risk scenarios - rate shocks, risk components
  • Risk parameters
  • System maintenance - inputs and assumptions, system capabilities
  • Assumption sensitivity analysis
  • Risk management strategies
  • Assignment of responsibilities
  • Reporting
  • Independent review and back-testing
 

Product Code: PLM-095
ICBA Member - $247.50
Non-Member - $275.00

     
Risk Management Policy   Provides the overall framework for the supervision, management, operation, and control of the bank’s risk management program. Includes duties and responsibilities of the risk management committee and risk management officer.  

Product Code: PLM-228
ICBA Member - $157.50
Non-Member - $175.00

   
Vendor Risk Management   Provides guidance on managing the risks that may arise from outsourced relationships, including responsibilities, risk assessment, due diligence, contracts, security and confidentiality, controls, business resumption, and monitoring.  

Product Code: PLM-213
ICBA Member - $247.50
Non-Member - $275.00

   
Electronic Banking Risk Management  

Establishes detailed policy guidelines for use of electronic banking, including security of customer information, third-party vendors, security controls, passwords, authentication, and strategic risk.

 

Product Code: PLM-182
ICBA Member - $337.50
Non-Member - $375.00

     
Regulation F: Correspondent Banking   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 outlines procedures for identifying, monitoring, and managing correspondent relationships and correspondent concentration risks. Updated to guide compliance with the Interagency Guidance on Correspondent Concentration Risks (FIL-18-2010) and Regulation F: Limitations on Interbank Liabilities. Includes a Concentration Risk Worksheet in Microsoft® Excel to calculate and monitor credit and funding exposures for correspondents on a stand-alone and organization-wide basis.  

Product Code: PLM-103
ICBA Member - $265.50
Non-Member - $295.00

     
Funds Management   Designed to ensure that the bank is managed to provide adequate liquidity and a satisfactory and consistent level of profit within suitable interest rate risk constraints.  

Product Code: PLM-097
ICBA Member - $247.50
Non-Member - $275.00

     
Investment   Covers the delegation of investment authority and accountability, the definition of acceptable types of investments, and how to maximize the bank's profitability while meeting the local communities' credit/financing needs.
 

Product Code: PLM-098
ICBA Member - $247.50
Non-Member - $275.00

     
Capital, Earnings, and Dividend   Provides a clear outline of the bank's goals and parameters for maintaining an adequate capital base, and states how the payment of dividends relates to those goals and parameters.  

Product Code: PLM-102
ICBA Member - $202.50
Non-Member - $225.00

     
Loan Loss Allowance and Reserve   Address the bank's responsibilities to monitor its portfolio for adequate ALLL, including methodology, portfolio analysis, and examination guidelines.  

Product Code: PLL-077
ICBA Member - $157.50
Non-Member - $175.00

     
Planning and Budgeting   Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget.  

Product Code: PLM-088
ICBA Member - $202.50
Non-Member - $225.00

     
Liquidity Management   Designed to ensure that the bank is managed to provide an adequate level of liquidity to meet both predicted and unexpected cash needs while maintaining a planned net interest margin.  

Product Code: PLM-096
ICBA Member - $157.50
Non-Member - $175.00

     
Liquidity Contingency Funding Plan   Provides a written contingency funding plan as required by Interagency Guidance on Funding and Liquidity Risk Management.  Delineates strategies and actions addressing potential liquidity shortfalls in emergency situations.  Includes identification of stress events, stress levels, early warning indicators, parameters for liquidity stress testing, sources of funds and funding strategies, lines of responsibility and communication, as well as a detailed crisis action plan.  

Product Code: PLM-272
ICBA Member - $247.50
Non-Member - $275.00

     
Management of Country Risk  

Addresses the risk that economic, social, and political conditions in a foreign country may adversely affect a bank's financial interests. Covers responsibility, policies and procedures, country exposure reporting system, risk analysis, country risk ratings, exposure limits, and monitoring provisions.

 

Product Code: PLM-212
ICBA Member - $202.50
Non-Member - $225.00

   
Litigation Risk   Defines the risks associated with real or threatened litigation. Covers legal counsel's role and responsibilities, risk management, assessment of potential losses, and system controls.  

Product Code: PLM-211
ICBA Member - $202.50 Non-Member - $225.00


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Collection & Privacy
 
Fair Credit Reporting Act  

Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists.

 

Product Code: PLC-115
ICBA Member - $247.50
Non-Member - $275.00

Direct Dispute  

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

 

Product Code: PLC-281
ICBA Member - $67.50
Non-Member - $75.00

Accuracy & Integrity of Furnished Information  

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

 

Product Code: PLC-282
ICBA Member - $67.50
Non-Member - $75.00

     
Do-Not-Call   Provides banks with guidance on complying with FTC and FCC regulations dealing with telemarketing practices. Covers federal Do Not Call Registry, internal lists, customers and non-customers, training, and retention periods. Includes a template for a Do Not Call Policy that you can give to individuals when they request a copy.  

Product Code: PLC-240
ICBA Member - $157.50
Non-Member - $175.00

     
Disposal of Consumer and Customer Information   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.  

Product Code: PLM-232
ICBA Member - $112.50
Non-Member - $125.00

     
Information Security Program   This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information.  

Product Code: PLM-252
ICBA Member - $382.50
Non-Member - $425.00

     
Identity Theft Prevention Policy (Red Flag)   Provides guidance regarding the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and education of bank staff and customers. This policy includes the final rules and guidelines implementing sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) including "red flag" guidance.  

Product Code: PLC-224
ICBA Member - $202.50
Non-Member - $225.00

     
Safeguarding Customer Information   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.  

Product Code: PLC-202
ICBA Member - $247.50
Non-Member - $275.00

     
Fair Debt Collection Act  

Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications.

 

Product Code: PLC-117
ICBA Member - $112.50
Non-Member - $125.00

   
Collection, Workout,  Charge-Off, and Recovery   Establishes the bank's responsibilities to manage lending risks, including procedures for delinquent loans, collection, workouts, business continuation, placing loans on non-accrual status, repossession of collateral, and OREO.  

Product Code: PLL-078
ICBA Member - $292.50
Non-Member - $325.00

     
Regulation P: Consumer Privacy Policy  

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.

 

Product Code: PLC-200
ICBA Member - $337.50
Non-Member - $375.00

     
Right to Financial Privacy   Establishes limitations and duties regarding the release of information sought by government agencies.  

Product Code: PLC-112
ICBA Member - $112.50
Non-Member- $125.00

     
Regulation AA: Unfair and Deceptive Credit Practices   Establishes procedures for receiving and handling consumer complaints. States the bank's intent to prevent unfair, deceptive or abusive acts or practices in connection with any transaction for a consumer financial product or service. Sets guidelines to properly handle consumer credit contracts, late charge accounting practices, and cosigner practices. Policy template includes Review Procedures and Consumer Complaint Procedures.
 
 

Product Code: PLC-116
ICBA Member - $265.50
Non-Member - $295.00

     
Bank Security   Provides the requirements of the regulatory agencies and covers all aspects of bank security, including designation of a security officer, security devices, maintenance, testing, training, and robbery procedures.  

Product Code: PLM-214
ICBA Member - $202.50
Non-Member - $225.00

   
Suspicious Activity Reporting   Provides the guidelines a bank must follow when reporting criminal activity, including insider misconduct.  

Product Code: PLC-113
ICBA Member - $157.50
Non-Member - $175.00

   
Contingency Planning  

Designed to provide a risk management plan to avoid potential losses. Includes policy implementation, bank security, emergency procedures, back-up sites, loss prevention, liquidity, insurance policies, asset protection, and risk management training.

 

Product Code: PLM-072
ICBA Member - $157.50
Non-Member - $175.00

     
Emergency Preparedness and Disaster Recovery   Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing.  

Product Code: PLM-151
ICBA Member - $247.50
Non-Member - $275.00

     
Incident Response Plan   This customizable plan lays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes examples of incidents.  

Product Code: PLM-250
ICBA Member - $67.50
Non-Member - $75.00


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General Lending
 
Secondary Mortgage Market Policy   This policy establishes the guidelines for the bank to follow to stay in compliance with the rules, regulations, and industry standards that apply to the origination and sale of whole loans by the bank.  

Product Code: PLL-287
ICBA Member - $112.50
Non-Member - $125.00

     
Home Equity Lending   Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and closed-end loans.  

Product Code: PLL-236
ICBA Member - $157.50
Non-Member - $175.00

     
Quality Control System   Sets the guidelines for establishing a quality control system. Covers the purpose and scope of a quality control system, system operation, investigation, and policy review.  

Product Code: PLL-226
ICBA Member - $157.50
Non-Member - $175.00

     
Merchant Services   Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring.  

Product Code: PLL-233
ICBA Member - $202.50
Non-Member - $225.00

     
Credit Card Lending   Provides a basis for the bank to regulate its credit card lending practices and develop a comprehensive policy to guide this activity in the future. Covers credit line management, over-limit practices, negative amortization, workout and forbearance practices, settlements, income recognition and practices, and policy exceptions.  

Product Code: PLL-216
ICBA Member - $157.50
Non-Member - $175.00

     
Real Estate Lending   Covers nondiscrimination, loan applications, portfolio diversification, credit criteria, documentation, appraisals and evaluations, appraisal review, credit decisions, loan disclosures, insurance, secondary market, and exceptions to policy.
 

Product Code: PLL-083
ICBA Member - $292.50
Non-Member - $325.00

     
Subprime Lending   Addresses the regulatory agencies' concern about subprime lending. Covers definitions specific to subprime lending; risk management, including ALLL; capital adequacy; abusive practices; and training.  

Product Code: PLL-204
ICBA Member - $292.50
Non-Member - $325.00

     
Fair Lending   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.
 

Product Code: PLC-177
ICBA Member - $292.50
Non-Member - $325.00

     
Credit   Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions.  

Product Code: PLL-074
ICBA Member - $292.50
Non-Member - $325.00

     
Agricultural Lending   Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria.  

Product Code: PLL-076
ICBA Member - $202.50
Non-Member - $225.00

     
Consumer Lending   Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions.  

Product Code: PLL-080
ICBA Member - $202.50
Non-Member - $225.00

     
Commercial Lending   Covers the bank's approach to commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements.  

Product Code: PLL-079
ICBA Member - $202.50
Non-Member - $225.00

     
Loan Review   Covers loan review committee duties and loan review officer responsibilities and qualifications, as well as scope of review, sample selection, and types of review. Highlights a rating system that includes eight grades, upgrading and downgrading information, and portfolio monitoring with three tiers. Also includes a special concern classification, loan watch list, and corrective action reporting and training.  

Product Code: PLL-082
ICBA Member - $292.50
Non-Member - $325.00

     
Loan Workout Policy   Establishes an appropriate practice for renewing and restructuring troubled credits. Addresses the requirements that are appropriate for the complexity of the bank’s loans and that are consistent with safe and sound lending practices and regulatory reporting requirements. The text from this policy is included in the Collection, Workout, Charge-Off and Recovery Policy (PLL-078) (can be purchased if your bank needs a more comprehensive policy).  

Product Code: PLL-286
ICBA Member - $112.50
Non-Member - $125.00


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Lending - Compliance Related
 
Regulation Z: Loan Terms, Disclosures, and Advertising   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.  

Product Code: PLC-114
ICBA Member - $292.50
Non-Member - $325.00

     
Regulation B: Equal Credit Opportunity Act   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.
 

Product Code: PLC-118
ICBA Member - $157.50
Non-Member - $175.00

     
Flood Insurance   Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures.  

Product Code: PLC-123
ICBA Member - $157.50
Non-Member - $175.00

     
Home Mortgage Disclosure Act Reporting   Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.  

Product Code: PLC-119
ICBA Member - $157.50
Non-Member - $175.00

     
Real Estate Settlement Procedures Act   Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution.  

Product Code: PLC-122
ICBA Member - $202.50
Non-Member - $225.00

     
Environmental Risk and Liability   Covers the bank's approach to commercial/business loans, including credit types, interest rates, pricing, borrower information requirements, legal lending limits, credit criteria, collateral, documentation, credit structure, and financial statement requirements.  

Product Code: PLL-081
ICBA Member - $247.50
Non-Member - $275.00

     
Appraisals and Evaluations   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.  

Product Code: PLL-124
ICBA Member - $202.50
Non-Member - $225.00

     
Community Reinvestment   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.  

Product Code: PLC-120
ICBA Member - $157.50
Non-Member - $175.00

     
Fair Housing Requirements   Designed to comply with all the regulatory agencies' reporting requirements. Establishes internal procedures for disclosure, applications, activity reports, and loan file information.  

Product Code: PLC-121
ICBA Member - $157.50
Non-Member - $175.00

     
Servicemembers Civil Relief Act   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.  

Product Code: PLC-223
ICBA Member - $157.50
Non-Member - $175.00

     
John Warner National Defense Authorization Act of 2007   Regulates the terms of certain extensions to active duty servicemembers, including Active Guard and Reserve duty, and their dependents.  

Product Code: PLC-251
ICBA Member - $112.50
Non-Member - $125.00

     
SAFE Act   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.  

Product Code: PLC-284
ICBA Member - $157.50
Non-Member - $175.00


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