Bank Policies |
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General Policies | ||||
Current Expected Credit Loss (CECL) Policy | Designed to allow Management of the institution, with oversight from the Board of Directors or a committee identified by the board, to maintain an adequate methodology for establishing, estimating, and maintaining allowances for credit losses (ACLs) to properly reflect an accurate financial position of the organization while ensuring that the institution complies with guidance outlined by the regulatory agencies and the Financial Accounting Standards Board (FASB) Accounting Standards Update (ASU) 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments and subsequent amendments issued since June 2016. These updates are codified in Accounting Standards Codification (ASC) Topic 326, Financial Instruments – Credit Losses (FASB ASC Topic 326). | Product Code: PLM – 308 ICBA Member – $395.00 Non-Member – $438.50 Purchase |
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E-Sign Act Policy | The E-Sign Act provides a general rule of validity for electronic records and signatures for transactions in or affecting interstate or foreign commerce. E-Sign allows the use of electronic records to satisfy any statute, regulation, or rule of law requiring that such information be provided in writing, if the consumer has affirmatively consented to such use and has not withdrawn such consent. | Product Code: PLC-308 ICBA Member – $157.50 Non-Member – $175.00 Purchase |
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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 – $238.50 Non-Member – $265.00 Purchase |
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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 – $247.50 Non-Member – $275.00 Purchase |
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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 – $247.50 Non-Member – $275.00 Purchase |
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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 – $207.00 Non-Member – $230.00 Purchase |
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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 – $202.50 Non-Member – $225.00 Purchase |
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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 – $175.50 Non-Member – $195.00 Purchase |
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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 – $175.50 Non-Member – $195.00 Purchase |
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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 – $270.00 Non-Member – $300.00 Purchase |
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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 – $175.50 Non-Member – $195.00 Purchase |
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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 – $162.00 Non-Member – $180.00 Purchase |
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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 – $265.50 Non-Member – $295.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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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 – $355.50 Non-Member – $395.00 Purchase |
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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 – $315.00 Non-Member – $350.00 Purchase |
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Dormant Accounts | Addresses responsibility, defining dormant/inactive accounts, processing, reporting, and service charges and interest payments. | Product Code: PLM-185 ICBA Member – $180.00 Non-Member – $200.00 Purchase |
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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 – $202.50 Non-Member – $225.00 Purchase |
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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 – $184.50 Non-Member – $205.00 Purchase |
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Diversity and Inclusion | Diversity and inclusion standards have been set and this policy assists a financial institution in defining how it will implement, monitor, and convey their standards in the hiring and promoting of employees and in dealing with suppliers. Includes a policy statement suitable for public sharing. | Product Code: PLM-325 ICBA Member – $171.00 Non-Member – $190.00 Purchase |
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ADA General Accessibility Accommodations Policy | Describes the bank�s intention to ensure that its services are accessible and accommodating to individuals with disabilities. Includes a policy statement; roles and responsibilities of bank board, executives, committees, and employees; grievance processes; and contact for inquiries, questions, assistance, and general information. | Product Code: PLM-328 ICBA Member – $117.00 Non-Member – $130.00 Purchase |
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ADA Website Accessibility Accommodations Policy | Addresses the need of the bank�s website to provide equal treatment to all its customers and the public under Title II of the ADA, the Rehabilitations Act of 1973, and Department of Justice (DOJ) web accessibility directives in accordance with Web Content Accessibility Guideline (WCAG) 2.0 Level AA and the United States Access Board�s Section 508 Standards. Includes a policy statement which is suitable for public documents; policy application; roles and responsibilities; complaint process for improving accessibility and accommodations; and contact for inquiries, questions, assistance, and general information. | Product Code: PLM-327 ICBA Member – $117.00 Non-Member – $130.00 Purchase |
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I.T. Asset Lifecycle Policy | Establishes lifecycles for the hardware and software that is used within the bank as defined by the manufacturer or determined by the bank, identified by the manufacturer’s plans for providing technical support and developing patches to correct any identified security vulnerabilities or operability issues. | Product Code: PLM-330 ICBA Member – $135.00 Non-Member – $150.00 Purchase |
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Work From Home Policy | This policy is written to include both long-term and emergency situations for bank employees working at home or in a remote location, and addresses the determination and availability of employees, productivity issues, home office and equipment assessment, remote access considerations, safeguarding information, monitoring, and reimbursement considerations. A short-term telecommuting agreement is also included. | Product Code: PLM-337 ICBA Member – $175.50 Non-Member – $195.00 Purchase |
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CAN SPAM Policy | Outlines the specific procedures when initiating electronic mail messages to any recipient with the primary purpose of communicating a commercial message, primarily emails whose purpose is to advertise or promote a commercial product or service, which includes website content. | Product Code: PLM-338 ICBA Member – $112.50 Non-Member – $125.00 Purchase |
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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 – $355.50 Non-Member – $395.00 Purchase |
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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 – $135.00 Non-Member – $150.00 Purchase |
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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 – $193.50 Non-Member – $215.00 Purchase |
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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 – $279.00 Non-Member – $310.00 Purchase |
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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 – $184.50 Non-Member – $205.00 Purchase |
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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 – $189.00 Non-Member – $210.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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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, Customer Identification Program and Customer Due Diligence, wire transfers, and anti-money laundering. | Product Code: PLC-109 ICBA Member – $324.00 Non-Member – $360.00 Purchase |
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Marijuana/Cannabis and MRB Policy | This policy establishes the responsibilities and requirements for conducting banking activities for legal marijuana and cannabis businesses, including those Tier 2 and Tier 3 businesses that have a secondary or tertiary relationship with marijuana related businesses. | Product Code: PLC-331 ICBA Member – $247.50 Non-Member – $275.00 Purchase |
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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, including Customer Due Diligence, 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 – $175.50 Non-Member – $195.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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Regulation D: Reserve Requirements of Depository Institutions | 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 – $139.50 Non-Member – $155.00 Purchase |
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Regulation DD: Deposit Account Terms, Disclosures, and Advertising Policy | Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising. | Product Code: PLC-106 ICBA Member – $234.00 Non-Member – $260.00 Purchase |
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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 – $265.50 Non-Member – $295.00 Purchase |
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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 – $234.00 Non-Member – $260.00 Purchase |
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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 – $175.50 Non-Member – $195.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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Security | ||||
Bank Protection Act 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. | Product Code: PLM-214 ICBA Member – $225.00 Non-Member – $250.00 Purchase |
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Suspicious Activity Reporting | Provides the guidelines a bank must follow when reporting criminal activity, including insider misconduct. | Product Code: PLC-113 ICBA Member – $180.00 Non-Member – $200.00 Purchase |
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Business Continuity Management 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. | Product Code: PLM-072 ICBA Member – $202.50 Non-Member – $225.00 Purchase |
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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 – $265.50 Non-Member – $295.00 Purchase |
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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 – $175.50 Non-Member – $195.00 Purchase |
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Risk Management | ||||
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 – $229.50 Non-Member – $255.00 Purchase |
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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 – $265.50 Non-Member – $295.00 Purchase |
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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 – $175.50 Non-Member – $195.00 Purchase |
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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 – $355.50 Non-Member – $395.00 Purchase |
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Cybersecurity | Written to assist all affected directors, officers, and staff in understanding and managing cyber risks. Topics include threat intelligence, situational awareness, risk assessment, inventory log management and monitoring, strategic planning, incident response, change management, staffing, training, and vendor management. | Product Code: PLM-313 ICBA Member – $180.00 Non-Member – $200.00 Purchase |
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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 – $279.00 Non-Member – $310.00 Purchase |
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Social Media Toolkit | Toolkit includes: Social Media Policy with Guidelines, Social Media Risk Assessment & Audit Checklist, Customizable Powerpoint Training for Managers and Users of Social Media. 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-290 ICBA Member – $400.50 Non-Member – $445.00 Purchase |
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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:
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Product Code: PLM-095 ICBA Member – $270.00 Non-Member – $300.00 Purchase |
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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 – $175.50 Non-Member – $195.00 Purchase |
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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 – $315.00 Non-Member – $350.00 Purchase |
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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 – $355.50 Non-Member – $395.00 Purchase |
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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 – $270.00 Non-Member – $300.00 Purchase |
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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 – $270.00 Non-Member – $300.00 Purchase |
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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 – $265.50 Non-Member – $295.00 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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Allowance for Loan Lease Loss Policy | 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 – $247.50 Non-Member – $275.00 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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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 – $211.50 Non-Member – $235.00 Purchase |
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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 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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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 – $292.50 Non-Member – $325.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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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 – $135.00 Non-Member – $150.00 Purchase |
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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 – $427.50 Non-Member – $475.00 Purchase |
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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 – $234.00 Non-Member – $260.00 Purchase |
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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 – $270.00 Non-Member – $300.00 Purchase |
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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 – $139.50 Non-Member – $155.00 Purchase |
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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 – $319.50 Non-Member – $355.00 Purchase |
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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 – $355.50 Non-Member – $395.00 Purchase |
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Right to Financial Privacy | Establishes limitations and duties regarding the release of information sought by government agencies. | Product Code: PLC-112 ICBA Member – $139.50 Non-Member- $155.00 Purchase |
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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 – $301.50 Non-Member – $335.00 Purchase |
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Bank Protection Act 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. | Product Code: PLM-214 ICBA Member – $225.00 Non-Member – $250.00 Purchase |
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Suspicious Activity Reporting | Provides the guidelines a bank must follow when reporting criminal activity, including insider misconduct. | Product Code: PLC-113 ICBA Member – $180.00 Non-Member – $200.00 Purchase |
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Business Continuity Management 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. | Product Code: PLM-072 ICBA Member – $202.50 Non-Member – $225.00 Purchase |
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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 – $265.50 Non-Member – $295.00 Purchase |
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Incident Response Plan | Lays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes an Incident Response policy, steps to take for specific types of incidents, a sample customer notification letter, and an incident response form. | Product Code: PLM-250 ICBA Member – $135.00 Non-Member – $150.00 Purchase |
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General Lending | ||||
Marijuana Business and MRB Lending Policy | Establishes a prudent framework for financial institutions to responsibly conduct business with legal marijuana/cannabis businesses in their communities while acknowledging and mitigating the legal and regulatory risks posed by doing so. The Marijuana Business and MRB Lending Policy can be customized to fit the institution�s risk profile and line of business strategy and assures lending, compliance, and BSA/AML staff have access to necessary information that addresses the many marijuana/cannabis issues that must be understood, documented, and monitored. Includes a Due Diligence Checklist. | Product Code: PLL-333 ICBA Member – $247.50 Non-Member – $275.00 Purchase |
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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 – $139.50 Non-Member – $155.00 Purchase |
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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 – $184.50 Non-Member – $205.00 Purchase |
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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 – $274.50 Non-Member – $305.00 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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Real Estate Lending | Covers in detail the general policies that apply to all real estate secured lending, portfolio diversification, notices, pricing, CRE, product structure, IORR, construction lending, development loans, and concentration management. | Product Code: PLL-083 ICBA Member – $324.00 Non-Member – $360.00 Purchase |
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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 – $324.00 Non-Member – $360.00 Purchase |
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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 – $324.00 Non-Member – $360.00 Purchase |
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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 – $324.00 Non-Member – $360.00 Purchase |
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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 – $229.50 Non-Member – $255.00 Purchase |
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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 – $229.50 Non-Member – $255.00 Purchase |
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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 – $229.50 Non-Member – $255.00 Purchase |
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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 – $319.50 Non-Member – $355.00 Purchase |
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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 – $139.50 Non-Member – $155.00 Purchase |
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Lending – Compliance Related | ||||
Regulation Z Suite | This is a suite of policies covering all Regulation Z subjects, with separate policies for each Regulation Z subject. The policies that you will receive include:
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Product Code: PLC-114 ICBA Member – $337.50 Non-Member – $375.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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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 – $247.50 Non-Member – $275.00 Purchase |
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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 – $265.50 Non-Member – $295.00 Purchase |
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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 – $247.50 Non-Member – $275.00 Purchase |
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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 – $193.50 Non-Member – $215.00 Purchase |
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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 – $180.00 Non-Member – $200.00 Purchase |
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Servicemembers Civil Relief Act | 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. | Product Code: PLC-223 ICBA Member – $229.50 Non-Member – $255.00 Purchase |
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Military Lending Act | This policy outlines the objective of the Military Lending Act to extend protections to a broader range of closed-end and open-end products. Includes information on the MAPR, disclosure requirements, limitations and interpretations of the Department of Defense. | Product Code: PLC-323 ICBA Member – $139.50 Non-Member – $155.00 Purchase |
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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 – $225.00 Non-Member – $250.00 Purchase |
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