ACH Policy
| 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. Return to Top
| | Prod Num: 229
Price: $325.00
 |
| Agricultural Lending Policy
| Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria. Return to Top
| | Prod Num: 076
Price: $225.00
|
| Allowance for Loan and Lease Loss and Reserve Policy
| Address the bank's responsibilities to monitor its portfolio for adequate ALLL, including methodology, portfolio analysis, and examination guidelines. Return to Top
| | Prod Num: 077
Price: $175.00
|
| Bank Owned Life Insurance (BOLI) Policy
| 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. Return to Top
| | Prod Num: 234
Price: $275.00
|
| Bank Security Policy
| 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. Return to Top
| | Prod Num: 214
Price: $225.00
|
| Board of Directors Policy
| 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. Return to Top
| | Prod Num: 100
Price: $275.00
|
| Branch Closing Policy
| Sets forth the procedures required by the regulatory agencies to close a branch office, including profit analysis and availability of services.(Includes sample regulatory and customer notifications.) Return to Top
| | Prod Num: 092
Price: $175.00
|
| Business and Travel Expense Policy
| 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. Return to Top
| | Prod Num: 089
Price: $175.00
|
| Capital, Earnings and Dividend Policy
| 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. Return to Top
| | Prod Num: 102
Price: $225.00
|
| Charitable Contributions Policy
| Establishes the types of contributions the bank will grant and sets forth the budgeting and operational procedures needed to implement the policy. Return to Top
| | Prod Num: 086
Price: $175.00
|
| Code of Conduct and Ethics Program Policy
| Guides compliance with the Bank Bribery Act. Sets forth the basic policies of ethical conduct, the foundation of basic business standards, and personal conduct. Return to Top
| | Prod Num: 101
Price: $225.00
|
| Collection, Workout, Charge-Off and Recovery Policy
| 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.
Updated to include the Loan Workout requirements bank examiners will be looking for. Return to Top
| | Prod Num: 078
Price: $325.00
|
| Commercial Lending Policy
| Covers 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. Return to Top
| | Prod Num: 079
Price: $225.00
|
| Compliance Management Policy
| 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. Return to Top
| | Prod Num: 104
Price: $175.00
|
| Consumer Lending Policy
| Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions. Return to Top
| | Prod Num: 080
Price: $225.00
|
| Contingency Planning Policy
| 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. Return to Top
| | Prod Num: 072
Price: $175.00
|
| Credit Card Lending Policy
| 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. Return to Top
| | Prod Num: 216
Price: $175.00
|
| Credit Policy
| Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions. Return to Top
| | Prod Num: 074
Price: $325.00
|
| Cross Selling of Products and Services Policy
| 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. Return to Top
| | Prod Num: 203
Price: $325.00
|
| Disposal of Consumer and Customer Information Policy
| 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. Return to Top
| | Prod Num: 232
Price: $125.00
|
| Do-Not-Call Policy
| 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. Return to Top
| | Prod Num: 240
Price: $175.00
|
| Dormant Account Policy
| Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments. Return to Top
| | Prod Num: 185
Price: $175.00
|
| Electronic Banking Risk Management Policy
| Establishes detailed policy guidelines for use of electronic banking, including security of customer information, third-party vendors, security controls, passwords, authentication, and strategic risk. Return to Top
| | Prod Num: 182
Price: $375.00
|
| Electronic Data Processing Policy
| 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. Return to Top
| | Prod Num: 094
Price: $175.00
|
| Emergency Preparedness and Disaster Recovery Policy
| Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing. Return to Top
| | Prod Num: 151
Price: $275.00
|
| Environmental Risk and Liability Policy
| Uses the principles established by CERCLA to set internal procedures for recognition of potential risks and liabilities, operations, and loan documentation. Return to Top
| | Prod Num: 081
Price: $275.00
|
| Executive Officer Policy
| 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. Return to Top
| | Prod Num: 087
Price: $175.00
|
| Fixed Assets Management Policy
| Describes the responsibilities and processes utilized in the management of the bank’s building, fixtures, furniture, and equipment. Return to Top
| | Prod Num: 222
Price: $175.00
|
| Funds Management Policy
| 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. Return to Top
| | Prod Num: 097
Price: $275.00
|
| Holding Company Policy
| Sets forth the underlying philosophy and structure for all relationships and transactions between the bank and the holding company. Return to Top
| | Prod Num: 225
Price: $175.00
|
| Human Resources Policy
| 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. Return to Top
| | Prod Num: 184
Price: $375.00
|
| Information Security Program Policy
| 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. Return to Top
| | Prod Num: 252
Price: $425.00
|
| Insider and Affiliate Credit Policy
| 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. Return to Top
| | Prod Num: 075
Price: $175.00
|
| Insurance and Annuity Sales Policy
| 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. Return to Top
| | Prod Num: 201
Price: $375.00
|
| Interest Rate Risk Policy
| 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. Return to Top
| | Prod Num: 095
Price: $275.00
|
| Internal and External Audit Policy
| 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. Return to Top
| | Prod Num: 085
Price: $225.00
|
| Internet and E-Mail Risk Management Policy
| 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. Return to Top
| | Prod Num: 183
Price: $275.00
|
| Investment Policy
| 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. Return to Top
| | Prod Num: 098
Price: $275.00
|
| Liquidity Management Policy
| 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. Return to Top
| | Prod Num: 096
Price: $175.00
|
| Litigation Risk Policy
| 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. Return to Top
| | Prod Num: 211
Price: $225.00
|
| Loan Review Policy
| 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. Return to Top
| | Prod Num: 082
Price: $325.00
|
| Management of Country Risk Policy
| 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. Return to Top
| | Prod Num: 212
Price: $225.00
|
| Marketing Policy
| 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. Return to Top
| | Prod Num: 090
Price: $175.00
|
| Merchant Services Policy
| 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. Return to Top
| | Prod Num: 233
Price: $225.00
|
| Overdraft Protection Policy
| A new policy that guides a bank through the best practices in setting up an Overdraft Protection program. Return to Top
| | Prod Num: 239
Price: $175.00
|
| Overdrafts Policy
| 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. Return to Top
| | Prod Num: 084
Price: $175.00
|
| 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. Return to Top
| | Prod Num: 253
Price: $175.00
|
| Planning and Budgeting Policy
| Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget. Return to Top
| | Prod Num: 088
Price: $225.00
|
| Pre-Employment Background Screening Policy
| 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). Return to Top
| | Prod Num: 237
Price: $125.00
|
| Real Estate Lending Policy
| 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. Includes full appraisal policy. Return to Top
| | Prod Num: 083
Price: $325.00
|
| Regulation F: Correspondent Banking Policy
| 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. Return to Top
| | Prod Num: 103
Price: $295.00
|
| Remote Deposit Capture Policy
| 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. Return to Top
| | Prod Num: 248
Price: $225.00
|
| 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. Return to Top
| | Prod Num: 228
Price: $175.00
|
| Safe Deposit Box Policy
| 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. Return to Top
| | Prod Num: 162
Price: $275.00
|
| Safeguarding Customer Information Policy
| 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. Return to Top
| | Prod Num: 202
Price: $275.00
|
| Sale of Nondeposit Investments Policy
| 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. Return to Top
| | Prod Num: 230
Price: $175.00
|
| Technology Risk Management Policy
| 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. Return to Top
| | Prod Num: 176
Price: $375.00
|
| Vendor Risk Management Policy
| 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. Return to Top
| | Prod Num: 213
Price: $275.00
|
| Wire Transfer Policy
| 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. Return to Top
| | Prod Num: 159
Price: $125.00
|
|
Board of Directors Policy
| 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. Return to Top
| | Prod Num: 100
Price: $275.00
|
| Business and Travel Expense Policy
| 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. Return to Top
| | Prod Num: 089
Price: $175.00
|
| Charitable Contributions Policy
| Establishes the types of contributions the bank will grant and sets forth the budgeting and operational procedures needed to implement the policy. Return to Top
| | Prod Num: 086
Price: $175.00
|
| Executive Officer Policy
| 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. Return to Top
| | Prod Num: 087
Price: $175.00
|
| Human Resources Policy
| 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. Return to Top
| | Prod Num: 184
Price: $375.00
|
| Insider and Affiliate Credit Policy
| 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. Return to Top
| | Prod Num: 075
Price: $175.00
|
| 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. Return to Top
| | Prod Num: 253
Price: $175.00
|
| Pre-Employment Background Screening Policy
| 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). Return to Top
| | Prod Num: 237
Price: $125.00
|
|
Bank Secrecy and Anti-Money Laundering Policy
| 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. Return to Top
| | Prod Num: 109
Price: $325.00
|
| Check 21 Policy
| 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. Return to Top
| | Prod Num: 227
Price: $175.00
|
| Customer Identification Program Policy
| 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. Return to Top
| | Prod Num: 217
Price: $175.00
|
| Money Services Businesses Policy
| 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.
Return to Top
| | Prod Num: 235
Price: $175.00
|
| Regulation CC: Expedited Funds Availability Act Policy
| Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds. Return to Top
| | Prod Num: 107
Price: $275.00
|
| 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. Return to Top
| | Prod Num: 105
Price: $125.00
|
| Regulation DD: Deposit Account Terms Policy
| 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. Return to Top
| | Prod Num: 106
Price: $225.00
|
| Regulation E: Electronic Funds Transfer Act Policy
| Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution. Return to Top
| | Prod Num: 108
Price: $225.00
|
| 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. Return to Top
| | Prod Num: 263
Price: $175.00
|
|
Bank Security Policy
| 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. Return to Top
| | Prod Num: 214
Price: $225.00
|
| Contingency Planning Policy
| 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. Return to Top
| | Prod Num: 072
Price: $175.00
|
| Emergency Preparedness and Disaster Recovery Policy
| Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing. Return to Top
| | Prod Num: 151
Price: $275.00
|
| Information Security Program Policy
| 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. Return to Top
| | Prod Num: 252
Price: $425.00
|
| Suspicious Activity Reporting Policy
| Provides the guidelines a bank must follow when reporting criminal activity, including insider misconduct. Return to Top
| | Prod Num: 113
Price: $175.00
|
|
ACH Policy
| 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. Return to Top
| | Prod Num: 229
Price: $325.00
|
| Allowance for Loan and Lease Loss and Reserve Policy
| Address the bank's responsibilities to monitor its portfolio for adequate ALLL, including methodology, portfolio analysis, and examination guidelines. Return to Top
| | Prod Num: 077
Price: $175.00
|
| Capital, Earnings and Dividend Policy
| 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. Return to Top
| | Prod Num: 102
Price: $225.00
|
| Electronic Banking Risk Management Policy
| Establishes detailed policy guidelines for use of electronic banking, including security of customer information, third-party vendors, security controls, passwords, authentication, and strategic risk. Return to Top
| | Prod Num: 182
Price: $375.00
|
| Funds Management Policy
| 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. Return to Top
| | Prod Num: 097
Price: $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. Return to Top
| | Prod Num: 250
Price: $75.00
|
| Interest Rate Risk Policy
| 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. Return to Top
| | Prod Num: 095
Price: $275.00
|
| 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.
Return to Top
| | Prod Num: 242
Price: $225.00
|
| Internet and E-Mail Risk Management Policy
| 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. Return to Top
| | Prod Num: 183
Price: $275.00
|
| Investment Policy
| 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. Return to Top
| | Prod Num: 098
Price: $275.00
|
| Liquidity Management Policy
| 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. Return to Top
| | Prod Num: 096
Price: $175.00
|
| Litigation Risk Policy
| 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. Return to Top
| | Prod Num: 211
Price: $225.00
|
| Management of Country Risk Policy
| 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. Return to Top
| | Prod Num: 212
Price: $225.00
|
| Planning and Budgeting Policy
| Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget. Return to Top
| | Prod Num: 088
Price: $225.00
|
| Regulation F: Correspondent Banking Policy
| 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. Return to Top
| | Prod Num: 103
Price: $295.00
|
| 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. Return to Top
| | Prod Num: 228
Price: $175.00
|
| Technology Risk Management Policy
| 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. Return to Top
| | Prod Num: 176
Price: $375.00
|
| Vendor Risk Management Policy
| 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. Return to Top
| | Prod Num: 213
Price: $275.00
|
|
Accuracy & Integrity of Furnished Information Policy
| 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
Return to Top
| | Prod Num: 282
Price: $75.00
|
| Collection, Workout, Charge-Off and Recovery Policy
| 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.
Updated to include the Loan Workout requirements bank examiners will be looking for. Return to Top
| | Prod Num: 078
Price: $325.00
|
| Direct Dispute Policy
| 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
Return to Top
| | Prod Num: 281
Price: $75.00
|
| Disposal of Consumer and Customer Information Policy
| 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. Return to Top
| | Prod Num: 232
Price: $125.00
|
| Do-Not-Call Policy
| 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. Return to Top
| | Prod Num: 240
Price: $175.00
|
| Fair Credit Reporting Act Policy
| Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists. Return to Top
| | Prod Num: 115
Price: $275.00
|
| Fair Debt Collection Act Policy
| Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications. Return to Top
| | Prod Num: 117
Price: $125.00
|
| Identity Theft Policy
| 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. Return to Top
| | Prod Num: 224
Price: $225.00
|
| Regulation AA: Unfair and Deceptive Credit Practices Policy
| 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. Return to Top
| | Prod Num: 116
Price: $125.00
|
| 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. Return to Top
| | Prod Num: 200
Price: $375.00
|
| Right to Financial Privacy Policy
| Establishes limitations and duties regarding the release of information sought by government agencies. Return to Top
| | Prod Num: 112
Price: $125.00
|
| Safeguarding Customer Information Policy
| 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. Return to Top
| | Prod Num: 202
Price: $275.00
|
|
Agricultural Lending Policy
| Establishes the parameters and structure covering agricultural lending, including interest rates, pricing of loans, lending limits, and credit criteria. Return to Top
| | Prod Num: 076
Price: $225.00
|
| Allowance for Loan and Lease Loss and Reserve Policy
| Address the bank's responsibilities to monitor its portfolio for adequate ALLL, including methodology, portfolio analysis, and examination guidelines. Return to Top
| | Prod Num: 077
Price: $175.00
|
| Appraisals and Evaluations Policy
| Recently updated to incorporate the requirements of the Interagency Appraisal and Evaluation Guidelines, released on 12/2/10. This customizable policy template covers: Appraiser and Evaluator Qualifications and Selection, Engagement Letters, Appraisals From Other Financial Institutions (including purchased participations), Third Party Arrangements, Useful Life of Appraisals, Appraiser/Evaluator/Lending Staff Independence, Appraisal/Evaluation Review, Appraisal Audits for Loans Sold on the Secondary Market, Reappraisals or Reevaluations of Collateral and Representations and Warranties. Return to Top
| | Prod Num: 124
Price: $225.00
|
| Collection, Workout, Charge-Off and Recovery Policy
| 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.
Updated to include the Loan Workout requirements bank examiners will be looking for. Return to Top
| | Prod Num: 078
Price: $325.00
|
| Commercial Lending Policy
| Covers 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. Return to Top
| | Prod Num: 079
Price: $225.00
|
| Community Reinvestment Act Policy
| 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. Return to Top
| | Prod Num: 120
Price: $175.00
|
| Consumer Lending Policy
| Establishes standards for individual credit decisions such as anti-discrimination, credit criteria, credit documentation, regulatory requirements, loan types, and exceptions. Return to Top
| | Prod Num: 080
Price: $225.00
|
| Credit Card Lending Policy
| 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. Return to Top
| | Prod Num: 216
Price: $175.00
|
| Credit Policy
| Addresses the composition and control of the loan portfolio as a whole, and establishes standards for individual credit decisions. Return to Top
| | Prod Num: 074
Price: $325.00
|
| Environmental Risk and Liability Policy
| Uses the principles established by CERCLA to set internal procedures for recognition of potential risks and liabilities, operations, and loan documentation. Return to Top
| | Prod Num: 081
Price: $275.00
|
| Fair Debt Collection Act Policy
| Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications. Return to Top
| | Prod Num: 117
Price: $125.00
|
| Fair Housing Requirements Policy
| Designed to comply with all the regulatory agencies’ reporting requirements. Establishes internal procedures for disclosure, applications, activity reports, and loan file information. Return to Top
| | Prod Num: 121
Price: $175.00
|
| Fair Lending Policy
| 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. Return to Top
| | Prod Num: 177
Price: $325.00
|
| Flood Insurance Policy
| Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures. Return to Top
| | Prod Num: 123
Price: $175.00
|
| 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. Return to Top
| | Prod Num: 236
Price: $175.00
|
| Home Mortgage Disclosure Act Reporting Policy
| Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public. Return to Top
| | Prod Num: 119
Price: $175.00
|
| Insider and Affiliate Credit Policy
| 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. Return to Top
| | Prod Num: 075
Price: $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. Return to Top
| | Prod Num: 251
Price: $125.00
|
| Loan Review Policy
| 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. Return to Top
| | Prod Num: 082
Price: $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 (#078) (can be purchased if your bank needs a more comprehensive policy). Return to Top
| | Prod Num: 286
Price: $125.00
|
| Merchant Services Policy
| 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. Return to Top
| | Prod Num: 233
Price: $225.00
|
| Overdrafts Policy
| 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. Return to Top
| | Prod Num: 084
Price: $175.00
|
| Quality Control System Policy
| 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. Return to Top
| | Prod Num: 226
Price: $175.00
|
| Real Estate Lending Policy
| 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. Includes full appraisal policy. Return to Top
| | Prod Num: 083
Price: $325.00
|
| Real Estate Settlement Procedures Act Policy
| Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution. Return to Top
| | Prod Num: 122
Price: $225.00
|
| Regulation AA: Unfair and Deceptive Credit Practices Policy
| 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. Return to Top
| | Prod Num: 116
Price: $125.00
|
| Regulation B: Equal Credit Opportunity Act Policy
| 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. Return to Top
| | Prod Num: 118
Price: $175.00
|
| Regulation Z: Loan Terms, Disclosures, and Advertising Policy
| 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. Return to Top
| | Prod Num: 114
Price: $325.00
|
| SAFE Act Policy
| 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. Return to Top
| | Prod Num: 284
Price: $175.00
|
| Servicemembers Civil Relief Act Policy
| 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. Return to Top
| | Prod Num: 223
Price: $175.00
|
| Subprime Lending Policy
| Addresses the regulatory agencies' concern about subprime lending. Covers definitions specific to subprime lending, risk management (including ALLL), capital adequacy, abusive practices, and training. Return to Top
| | Prod Num: 204
Price: $325.00
|
|
Appraisals and Evaluations Policy
| Recently updated to incorporate the requirements of the Interagency Appraisal and Evaluation Guidelines, released on 12/2/10. This customizable policy template covers: Appraiser and Evaluator Qualifications and Selection, Engagement Letters, Appraisals From Other Financial Institutions (including purchased participations), Third Party Arrangements, Useful Life of Appraisals, Appraiser/Evaluator/Lending Staff Independence, Appraisal/Evaluation Review, Appraisal Audits for Loans Sold on the Secondary Market, Reappraisals or Reevaluations of Collateral and Representations and Warranties. Return to Top
| | Prod Num: 124
Price: $225.00
|
| Community Reinvestment Act Policy
| 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. Return to Top
| | Prod Num: 120
Price: $175.00
|
| Fair Debt Collection Act Policy
| Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications. Return to Top
| | Prod Num: 117
Price: $125.00
|
| Fair Housing Requirements Policy
| Designed to comply with all the regulatory agencies’ reporting requirements. Establishes internal procedures for disclosure, applications, activity reports, and loan file information. Return to Top
| | Prod Num: 121
Price: $175.00
|
| Fair Lending Policy
| 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. Return to Top
| | Prod Num: 177
Price: $325.00
|
| Flood Insurance Policy
| Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures. Return to Top
| | Prod Num: 123
Price: $175.00
|
| Home Mortgage Disclosure Act Reporting Policy
| Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public. Return to Top
| | Prod Num: 119
Price: $175.00
|
| Insider and Affiliate Credit Policy
| 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. Return to Top
| | Prod Num: 075
Price: $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. Return to Top
| | Prod Num: 251
Price: $125.00
|
| Real Estate Settlement Procedures Act Policy
| Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution. Return to Top
| | Prod Num: 122
Price: $225.00
|
| Regulation AA: Unfair and Deceptive Credit Practices Policy
| 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. Return to Top
| | Prod Num: 116
Price: $125.00
|
| Regulation B: Equal Credit Opportunity Act Policy
| 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. Return to Top
| | Prod Num: 118
Price: $175.00
|
| Regulation Z: Loan Terms, Disclosures, and Advertising Policy
| 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. Return to Top
| | Prod Num: 114
Price: $325.00
|
| SAFE Act Policy
| 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. Return to Top
| | Prod Num: 284
Price: $175.00
|
| Servicemembers Civil Relief Act Policy
| 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. Return to Top
| | Prod Num: 223
Price: $175.00
|
|
Profitable Bank Policy System
| | Here's How Our Policy Systems Work
Young & Associates has developed the Profitable Bank Policy System to provide you with the major policies your bank might need. Our policy system is comprehensive, updated regularly, and provides guidance with every change to ease the policy revision process within your bank.
The Profitable Bank Policy System includes:
- A comprehensive manual providing the framework for developing policies. Each policy has specific instructions on the areas that must be customized for your bank. The instructions are number-coded to correspond to the material on computer disk.
- All policies in hard copy and on computer disk. Using any IBM-compatible word processor, and following the instructions provided, you can customize the policies for your bank. There is no retyping and no new software program to learn.
Buy the Policy System and Save!
Young & Associates policy systems are designed to give your bank the policies you need at a substantial savings. By purchasing this policy system, your bank can save over 50% on up-to-date, well-written policies for your bank!
The following policies are included:
Foundation Policies
- Credit
- Regulation O: Insider and Affiliate Credit
- Funds Management
- Investment
- Compliance Management
- Board of Directors
- Code of Conduct and Ethics Program
- Capital, Earnings, and Dividend
- Regulation F: Correspondent Banking
- Electronic Data Processing
- Risk Management
- Holding Company
Lending Policies
- Agricultural Lending
- Allowance for Loan and Lease Loss and Reserve
- Collection, Workout, Charge-Off, and Recovery
- Commercial Lending
- Consumer Lending
- Environmental Risk and Liability
- Loan Review
- Real Estate Lending
- Overdrafts
- Subprime Lending
- Credit Card Lending
- Merchant Services
- Home Equity Lending
- Quality Control
Management Policies
- Internal and External Audit
- Contingency Planning
- Charitable Contributions
- Executive Officer
- Planning and Budgeting
- Business and Travel Expense
- Marketing
- Human Resources
- Branch Closing
- Sale of Nondeposit Investments
- Wire Transfer
- Bank Security
- Interest Rate Risk
- Liquidity Management
- Technology Risk Management
- Emergency Preparedness and Disaster Recovery
- Regulation P: Consumer Privacy
- Safeguarding Customer Information
- Safe Deposit Box
- Electronic Banking Risk Management
- Internet and E-Mail Risk Management
- Management of Country Risk
- Litigation Risk
- Vendor Risk Management
- Cross-Selling of Products and Services
- Fixed Asset
- Automated Clearing House (ACH)
- Identity Theft Prevention
- Bank Owned Life Insurance (BOLI)
- Overdraft Protection
- Do Not Call
- Internal Controls
- Remote Deposit Capture
- Information Security Program
Return to Top
| | Prod Num: 067
Price: $4650.00
|
| Profitable Bank Policy System Updates - Annual Subscription
| | To help you keep your policies current, the Profitable Bank Policy System has an optional updating service. With an annual subscription, you receive "policy updates" to policies in the system.
As changes to industry standards affect existing policies, and/or as new policies are developed, you will have peace of mind knowing that your policies are current. Return to Top
| | Prod Num: 068
Price: $495.00
|
| Regulatory Compliance Policy System
| | Here's How Our Policy Systems Work
Young & Associates has developed the Regulatory Compliance Policy System to provide you with the major policies your bank might need. Our policy system is comprehensive, updated regularly, and provides guidance with every change to ease the policy revision process within your bank.
The Regulatory Compliance Policy System includes: - A comprehensive manual providing the framework for developing policies. Each policy has specific instructions on the areas that must be customized for your bank. The instructions are number-coded to correspond to the material on computer disk.
- All policies in hard copy and on computer disk. Using any IBM-compatible word processor, and following the instructions provided, you can customize the policies for your bank. There is no retyping and no new software program to learn.
Buy the Policy System and Save! Young & Associates policy systems are designed to give your bank the policies you need at a substantial savings. By purchasing this policy system, your bank can save nearly 50% on up-to-date, well-written policies for your bank! The following policies are included:
Management Policies
- Compliance Management
- Code of Conduct and Ethics Program
- Insider and Affiliate Credit
- Insurance and Annuity Sales
Deposit Policies
- Regulation D: Definitions and Reserve Requirements Policy
- Regulation DD: Deposit Account Terms, Disclosures, and Advertising
- Regulation CC: Expedited Funds Availability Act (Includes Check 21)
- Regulation E: Electronic Fund Transfer Act
- Bank Secrecy and Anti-Money Laundering (Includes Customer Identification Program)
- Money Services Businesses
Operations Policies
- Bank Security
- Regulation F: Correspondent Banking
- Financial Privacy
- Suspicious Activity Reporting
- Regulation P: Consumer Privacy
- Safeguarding Customer Information
- Dormant Accounts
- Disposal of Consumer and Customer Information
- Identity Theft Prevention
- Regulation GG: Unlawful Internet Gambling
General Lending Policies
- Regulation Z: Loan Terms, Disclosures, and Advertising
- Fair Credit Reporting Act
- Regulation AA: Unfair and Deceptive Credit Practices
- Fair Debt Collection Practices
- Servicemembers Civil Relief Act
- John Warner National Defense Authorization Act
Fair Lending Policies
- Regulation B: Equal Credit Opportunity
- Regulation C: Home Mortgage Disclosure Act Reporting
- Regulation BB:Community Reinvestment
- Fair Housing Requirements
- Fair Lending
Real Estate Lending Policies
- Real Estate Settlement Procedures
- Flood Insurance
- Environmental Risk
- Appraisals and Evaluations
- SAFE Act
Return to Top
| | Prod Num: 069
Price: $3725.00
|
| Regulatory Compliance Policy System Updates - Annual Subscription
| | To help you keep your policies current, the Regulatory Compliance Policy System has an optional updating service. With an annual subscription, you receive "policy updates" to policies in the system.
As changes to regulations or industry standards affect existing policies, and/or as new policies are developed, you will have peace of mind knowing that your policies are current.
Return to Top
| | Prod Num: 070
Price: $495.00
|
|
Audit Tracking System
| Easy-to-use Microsoft® Access-driven tool that helps institutions track the remediation of exception items from multiple audits/exams so that repeat findings are a thing of the past.
- Track the progress of remediating exception items from recommendation to implementation to remediation testing.
- Provide management with easy-to-read reports on new, open, past due, and closed exception items.
- Assign accountability for exception items to individual people or departments.
- Receive alerts in Outlook once an estimated implementation date has passed.
Requires Microsoft® Access 2003 or higher Return to Top
| | Prod Num: 269
Price: $295.00
Demo/Additional Info |
| BSA/AML Risk Assessment Development Workbook
| This instructional workbook will assist a BSA Officer or Compliance Officer in completing an overall BSA/AML risk assessment in accordance with the FFIEC’s examination procedures expectations. Internal auditors wishing to perform a BSA/AML risk assessment on the bank’s compliance program will also find this a very valuable tool. The process is examined in detail as it guides you through the determining factors such as the bank’s size and structure, geographic locations, customers and entities, operations, and products and services. A prerequisite to completing the risk assessment is performing customer due diligence to determine those customers or customer types that involve higher BSA/AML risks. Return to Top
| | Prod Num: 238
Price: $295.00
|
| Compliance Management Profile Risk Assessment Workbook
| Updated in 2011 to cover recent regulatory changes, including Appraisals, Reg E, Reg Z, Reg DD, Reg GG, SAFE Act, BSA/OFAC, Fair Debt Collection, and Flood. This easy-to-use tool will provide a structured method for evaluating your bank’s compliance management program, as well as a better understanding of where your compliance efforts are paying off and/or what areas demand more attention. Covers compliance management from a global/overall perspective as well as by regulation. Includes workbook and 28 interactive risk rating templates on CD. Return to Top
| | Prod Num: 244
Price: $345.00
|
| Information Security Awareness Training Toolkit
| Designed to help your bank's Information Security Officer create a customized Information Security Awareness Training Program to educate bank employees on critical information security issues such as:
- Social engineering attacks
- Acceptable use of IT resources
- Workstation security
- Intrusion Response
Includes:
- Training Script (provided in Microsoft Word)
- Customizable PowerPoint Training Presentation
- A screensaver to install on bank workstations for the ongoing promotion of Information Security Awareness
Program Requirements:
Training Script and Slides – Microsoft® Word and PowerPoint XP or higher
Screensaver – Microsoft® Windows XP Return to Top
| | Prod Num: 276
Price: $399.00
|
| Information Security Risk Assessment Toolkit
| Provides the tools to develop and maintain a comprehensive Information Security Risk Assessment.
Includes:
- Information Security Risk Assessment Questionnaire for gathering information about media containing non-public information from each department
- Information Security Risk Assessment Workbook
- Customizable Information Security Risk Assessment Policy
System Requirements -- Microsoft® Excel and Word. Return to Top
| | Prod Num: 270
Price: $250.00
Demo/Additional Info |
| Liquidity Toolkit
| The Liquidity Toolkit includes:
- Liquidity Cash Flow Planning and Stress Testing Model
- Liquidity Contingency Funding Plan
- Liquidity Management Policy
Return to Top
| | Prod Num: 273
Price: $1250.00
Demo/Additional Info |
| Red Flag Identity Theft Toolkit
| The Red Flag Identity Theft Toolkit will help you develop and implement a comprehensive identity theft program for your bank. The Toolkit will allow you to identify specific forms of activity that should raise a "red flag" to potential risk of identity theft and develop an implementation strategy to detect, prevent, and mitigate identity theft as required by the revised FACT Act regulation. It also covers potential "red flags" in connection with requests for change of address relating to credit and debit cards and address discrepancies from consumer reporting agencies. It can be used by different departments individually or the bank as a whole, and provides the information needed for the required board reporting. Includes: 1) Identity theft risk assessment workbook in Microsoft Excel® (interactive risk rating templates), 2) Implementation checklist, 3) Identity theft policy, and 4) Training manual that can be customized to meet the unique needs of your bank. Return to Top
| | Prod Num: 249
Price: $395.00
|
| Red Flag Identity Theft Toolkit for Credit Unions
| The Red Flag Identity Theft Toolkit will help you develop and implement a comprehensive identity theft program for your credit union. The Toolkit will allow you to identify specific forms of activity that should raise a "red flag" to potential risk of identity theft and develop an implementation strategy to detect, prevent, and mitigate identity theft as required by the revised FACT Act regulation. It also covers potential "red flags" in connection with requests for change of address relating to credit and debit cards and address discrepancies from consumer reporting agencies. It can be used by different departments individually or the credit union as a whole, and provides the information needed for the required board reporting. Includes: 1) Identity theft risk assessment workbook in Microsoft Excel® (interactive risk rating templates), 2) Implementation checklist, 3) Identity theft policy, and 4) Training manual that can be customized to meet the unique needs of your credit union. Return to Top
| | Prod Num: 255
Price: $395.00
|
| Regulation GG Toolkit
| Unlawful Internet Gambling Toolkit. This easy-to-use toolkit includes a training manual, policy, and compliance monitoring checklist (in Microsoft® Excel. The manual covers payment and transmitting systems, exemptions, due diligence requirements and identifying and blocking transactions. The policy is fully customizable in Microsoft® Word and the checklist is a useful tool to monitor your compliance with the regulation once you have your policy and procedures implemented. Return to Top
| | Prod Num: 262
Price: $295.00
Demo/Additional Info |
| Regulation O Toolkit
| The Regulation O Toolkit provides an easy-to-use, automated method to perform your bank’s Reg O review at both the customer and bank/aggregate level and generates reports to document compliance. The toolkit includes a compliance checklist, the Reg O Workbook which is a Microsoft® Excel-driven spreadsheet that calculates your bank’s maximum amount of Reg O loans, and assures that all individuals and their related interests are within proper tolerances, training manual and Reg O Policy template. Return to Top
| | Prod Num: 264
Price: $295.00
|
| SAFE Act Toolkit
| The SAFE Act requires that an employee of the bank who acts as a residential mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry (the “Registry”), obtain a unique identifier, and maintain this registration. The Act further states that the bank must require its employees to comply with the Act’s requirements and adopt and follow written policies and procedures designed to assure compliance with the Act. The bank is strictly prohibited from engaging in any act or practice to evade any of the requirements of this Act.
This Toolkit contains:
- A SAFE Act Policy
- Training Manual
- Implementation Checklist
- Sample Procedures
- Audit Checklist
System Requirements -- Microsoft® Excel and Word. Return to Top
| | Prod Num: 285
Price: $375.00
|
| Vendor Risk Management Workbook
| Designed to assist your bank in performing and documenting scheduled reviews of its critical vendors that have access to non-public information. Monitors financial condition, contract/vendor background, controls, performance, and business continuity of your bank’s critical vendors. Provides a centralized location for storing all vendor reviews and an easy-to-use way to document your vendors’ safety and soundness to your board and examiners. Allows you to create Next Review and Cancellation Reminders in your Microsoft Outlook calendar to stay up-to-date with your reviews. Includes an easy-to-use Microsoft® Excel spreadsheet to maintain all vendor reviews and instructions for completing the worksheet.
Requires Microsoft® Excel 2002/XP or higher. Return to Top
| | Prod Num: 265
Price: $275.00
Demo/Additional Info |
|
BoardPac
| | Use BoardPac to create concise, effective, and attractive board reports!
Simplifies Board Reporting:
- Easy to use, menu-driven spreadsheet and pre-formatted report templates (covering loans, investments, funds management, etc.) will assist you in providing the necessary board reports.
- Simply input basic balance sheet and income and expense figures and BoardPac will produce comparative financial statements, graphs, and budget comparisons.
- Holds up to 24 months of data.
Key Reports include:
- Capital Adequacy
- Comparative Balance Sheet
- Report of Off-Balance Sheet Items
- Comparative Income/Expense Statement
- Financial Ratios Report
- Budgeting Report
System Requirements:
Microsoft™ Excel 97 and above Return to Top
| | Prod Num: 025
Price: $395.00
|
| Budget Management Model
| | Develop a budget that clearly reflects your bank’s goals and is easy to understand and implement.
Simplify the Budgeting Process!
Use call report information or last year’s budget to develop a complete year’s budget and balance sheet.
Highly Flexible!
- Develop “what-if” scenarios to see the potential impact of changes in strategy or business conditions.
- Forecast bank-wide trends, identify the seasonal nature of your business, and see your bank’s sources and uses of funds for the year on a single page.
- Branch accounting for up to 25 profit centers.
- Adjust on the fly.
Quick Reference!
Need assistance? The comprehensive manual explains and guides you through the budgeting process.
Use What the Experts Use!
Developed and used by Young & Associates expert management team to ensure effectiveness and reliability.
System Requirements
Available in Microsoft Excel 2000 and above Return to Top
| | Prod Num: 154
Price: $495.00
|
| Capital Stress Testing Model
| A practical risk management tool that will assist bank management and the board in conducting effective, proactive capital planning. Easy-to-use and understand, this Microsoft® Excel-based spreadsheet allows you to create useful “what-if” scenarios to determine the impact of unexpected change in net income on the bank’s capital level over a three-year period. While not a regulatory requirement, a capital stress provides an important tool for the development of a Capital Contingency Plan.
Requires Microsoft® Excel 2003 or higher. Return to Top
| | Prod Num: 288
Price: $149.00
|
| Commercial Loan Analysis Model
| | Get the information, analysis, and documentation you need when evaluating a commercial loan, either at origination or as part of a loan review. Create three-year spreads of a borrower’s financial statements and determine a loan grade based on financial strengths and weaknesses.
This easy-to-use model provides:
- Cash flow analysis
- Debt service projections
- Balance sheet trend analysis
- Comparison with Robert Morris & Associates industry data
- Financial underwriting analysis for up to 6 co-borrowers
- Collateral valuation worksheet
System Requirements
Available in Microsoft Excel 97 and 2000 Return to Top
| | Prod Num: 026
Price: $495.00
|
| Commercial Risk Rating Model
| Our Commercial Risk Rating Model analyzes all 5 C's of Credit (Capacity, Character, Collateral, Capital, and Conditions) for individual commercial loan transactions. Available for 7, 8 and 9 Risk Rating Scales.
- Objective - Benchmarks criteria against industry averages by NAICS.
- Subjective - Provides flexibility to select certain criteria and assign a subjective rating, as well as to add comments to account for circumstances deemed important and appropriate regarding the credit.
- Cutting Edge - Measures Conditions (industry risk) based on economic data obtained by Young & Associates, Inc.
- Easy to Understand - Color-coded for easy interpretation of results. Includes a weighted "Composite" risk rating to determine the loan's overall credit risk to the institution.
- User-friendly - Easy-to-use navigation features makes grading commercial loans simple.
- Support - Includes 1 year of technical support.
- Annual Update - Optional annual update service to adjust industry benchmarks or changes in regulatory expectation ($200 per year).
Requires Microsoft® Excel 2003 or higher. Return to Top
| | Prod Num: 277
Price: $995.00
Demo/Additional Info |
| Complete Risk Rating Package
| Includes the Commercial Loan Risk Rating Model (#277), and Consumer Loan Risk Rating Model (#279). Return to Top
| | Prod Num: 283
Price: $1195.00
Demo/Additional Info |
| Consumer Risk Rating Model
| Our Consumer Risk Rating Model analyzes all 3 C's of Credit (Capacity, Character, Collateral, Capital, and Conditions) for individual consumer loans.
Available for 7, 8 and 9 Risk Rating Scales.
- Objective - Benchmarks criteria against industry standards (e.g. credit scores, debt-to-income).
- Subjective - Provides flexibility to select certain criteria and assign a subjective rating, as well as to add comments to account for circumstances deemed important and appropriate regarding the credit.
- Cutting Edge - Based on current mortgage industry standards.
- Easy to Understand - Color-coded for easy interpretation of results. Includes a weighted "Composite" risk rating to determine the loan's overall credit risk to the institution.
- Support - Includes 1 year of technical support.
- Annual Update - Optional annual update service to adjust industry benchmarks or changes in regulatory expectation. ($100 per year).
Requires Microsoft® Excel 2003 or higher. Return to Top
| | Prod Num: 279
Price: $395.00
Demo/Additional Info |
| Liquidity Cash Flow Planning and Stress Testing Model
| Dynamic tool designed to assist your bank in performing quantitative liquidity assessments as required by Interagency Guidance on Funding and Liquidity Risk Management.
- Forecast funding sources, funding needs, and cash flow gaps
- Monitor availability of contingent liquidity
- Monitor funding concentrations and dynamic cash flow ratios
- Perform liquidity stress testing and multiple-scenario what-if analyses
Includes 1 year of technical support
Available in Microsoft Excel® Return to Top
| | Prod Num: 271
Price: $950.00
Demo/Additional Info |
| PFS Calculator
| PFS Calculator (Automated and Self Calculating Personal Financial Statement)
Provides banks with an easy-to-use, automated method of collecting personal financial information from borrowers.
-
Saves time and effort. File can be emailed to borrowers to complete, eliminating the tedious administrative task of mailing each year.
-
Assists in standardizing submission of personal financial information from borrowers.
-
Can be customized to show bank name, address (for multiple branch locations), phone, fax, etc.
-
Unlimited use. File can be used and distributed to borrowers again and again.
-
Ensures accuracy of calculations. Once entered by the borrower, entries are automatically calculated, eliminating the need to double check numbers.
-
Easy to read. No need to worry about illegible digits or handwriting.
-
Easy for borrower to understand and complete.
-
Easy to update. Once completed, borrower just needs to save the file and update applicable information the following year.
Return to Top
| | Prod Num: 254
Price: $79.00
Demo/Additional Info |
| The Branch Profitability Model
| | The Branch Profitability Model™
Easy to Understand:
- Provides side-by-side comparison of balance sheets and income statements for up to 15 branch offices.
- Identifies the strengths and weaknesses of each branch currently and over time.
- Pre-formatted graphs provide you with trend lines for loans, deposits, and total profitability by branch.
Easy to Use:
With just a few minutes of data input, the model will spread investments, loan loss reserves, and other non-allocated income and expense items to each of your branches using detailed, proven methodologies.
Improves Communication:
Discuss and evaluate branch performance with your branch managers.
Strengthens the Planning Process:
Set goals and objectives for branch managers.
Generate effective presentations for strategic planning and board meetings.
System Requirements:
Available in Microsoft™ Excel 97 and 2000 Return to Top
| | Prod Num: 059
Price: $295.00
|
| The Commercial Real Estate (CRE)/Commercial Loan Stress Testing Model
| Includes two easy-to-use Microsoft® Excel spreadsheets to complete the required stress tests using multiple stress test scenarios (e.g., collateral values, debt service coverage ratio, interest rates, etc). Most information can be downloaded from the bank's mainframe, eliminating the tedious task of entering all data manually. Also includes easy-to-understand instructions for completing both worksheets, and explains the importance of stress testing to the bank's overall risk assessment of portfolios.
Requires Microsoft® Excel 2002/XP or higher. Return to Top
| | Prod Num: 258
Price: $825.00
Demo/Additional Info |
| The Consumer Real Estate/HELOC Stress Testing Model
| Includes an easy-to-use Microsoft® Excel spreadsheet to complete required stress tests needed for consumer mortgage loans and home equity lines of credit. Stresses the collateral value as well as the debt to income ratio. Includes easy-to-understand instructions for completing the worksheet and explains the importance of stress testing to the bank's overall risk assessment of portfolios.
Requires Microsoft® Excel 2002/XP or higher. Return to Top
| | Prod Num: 256
Price: $425.00
Demo/Additional Info |
| The Portfolio Segment Stress Testing Model
| Includes an easy-to-use Microsoft® Excel spreadsheet to complete required stress tests for the higher-risk segments of the bank's loan portfolio. Stressing the bank’s credit risk grades and credit scores by loan type will determine the impact to the bank’s loan provisions and capital. Includes easy-to-understand instructions for completing the worksheet, and explains the importance of stress testing to the bank's overall risk assessment of portfolios.
Requires Microsoft® Excel 2002/XP or higher. Return to Top
| | Prod Num: 257
Price: $425.00
Demo/Additional Info |
| The Stress Testing Complete Package
| Includes the Commercial Real Estate (CRE)/Commercial Loan Stress Testing Model (#258), Portfolio Segment Stress Testing Model (#257), and Consumer Real Estate/HELOC Stress Testing Model (#256). Return to Top
| | Prod Num: 259
Price: $1295.00
Demo/Additional Info |
|
Compliance Update Newsletter - Annual Subscription
| | The Compliance Update is a monthly newsletter that provides a thorough compliance review and covers developments that affect the banking industry. Each month our compliance experts scour the regulatory issuances, final rules, and amendments to provide you with the compliance information you need, when you need it. Provided to you in .pdf format, your Compliance Update will by sent to you via e-mail each month.
The Compliance Update is packed with useful compliance information and analysis for your bank, including:
- Action Items- includes a compliance action follow-up checklist
- What’s Hot- covers proposed rules, new laws, and what they mean to you and your bank
- Reg Watch- keeps you posted on what’s looming on the horizon
- Q&A- provides answers to your questions on compliance issues
- Compliance Calendar- keeps you up-to-date with deadlines at a glance
- Feature Articles- analyzes the issues, written by compliance people for compliance people
Return to Top
| | Prod Num: 018
Price: $249.00
|
|
Liquidity Contingency Funding Plan
|
- Provides a written contingency funding plan as required by the 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.
Return to Top
| | Prod Num: 272
Price: $275.00
|
|
|
|
