Library

Keep up to date with our Regulatory Compliance Manager Subscription Service

Learn More

If there’s a subject that you’d like to research, please call 800-934-REGS or email us [email protected] and we’ll get the information to you.

Update

CRA Asset-size Thresholds Announced for 2025

By | December 23, 2024

The annual CRA asset-size thresholds for covered financial institutions were announced by the FDIC and Federal Reserve on December 19, 2024 and by the OCC on December 23, 2024 applicable for 2025. TCA – A Better Way!

mortgage loan disclosure

HOEPA Calculation Worksheet for 2025 Loans

By | December 20, 2024

Tool to calculate whether your loan transaction is subject to HOEPA based on the points and fees and prepayment penalties paid by the borrower. Worksheets are updated annually to reflect changes loan amount thresholds. Select the worksheet based on the year the loan has been originated. Example: loan originated in December 2023 – select the HOEPA Calculation Worksheet 2023.01.

Download

Want to read more? Subscribe to RCM.

Please send an email to [email protected] or call 800-934-REGS for more information.

Already a member? Login Here.

Question and Answer

Are there any requirements for specific disclosures on periodic home equity loan statements for consumers in bankruptcy? 12 CFR Part 1026.41 (Regulation Z) has requirements for closed-end consumer credit transactions but unclear about HELOCs.

By | December 20, 2024
Question and Answer

The FDIC logo change was pushed until May 1, 2025, but my institution was wondering if the logo on our printed rate sheets given to customers upon request needs to be updated. My understanding is that the gold/black signs we have at the teller windows, and banker desks are NOT changing, and I think printed logos aren’t changing, but really, it’s mainly about the digital channels – and those need to be navy blue and black. So, if I’m correct, then the rate sheets do not require updates?

By | December 20, 2024
Question and Answer

When will an institution have to comply with the upcoming 1071 Small Business Lending reporting requirements?

By | December 19, 2024
Question and Answer

Is the SCRA Notice expired? The expiration date is November 30, 2024. Is there an updated version?

By | December 19, 2024
Question and Answer

On a loan where the borrower enacted their rights under SCRA, how is interest paid by the borrower refunded? Is it Interest from time the Institution was notified, or time Borrower was to report? Is it a refund of any interest to the borrower or can the institution decide?

By | December 18, 2024
Question and Answer

How do we keep up to date with FinCEN Advisories and SAR Key Terms?

By | December 18, 2024
Question and Answer

Can a customer be held liable for $500 of a fraudulent transaction that occurred more than two business days after the loss of a mobile phone if the debit card number is saved to a mobile application?

By | December 17, 2024
Question and Answer

For the purposes of Regulation E Error Resolution Claims, when is the provisional credit due?

By | December 17, 2024

Do You Need Compliance Help?

We’re here to review your current compliance strategy and help you find A Better Way to manage risk.

Phone

800-934-REGS

/

Email for Non-Confidential Information Only

[email protected]

/

Office Location

2021 Midwest Road, Suite 200,
Oak Brook, IL 60523

Endorsed By