Federal banking regulations cheat sheet
What is the CFPB Dodd-Frank mortgage rules readiness guide?
The Consumer Financial Protection Bureau (CFPB or Bureau) is updating the CFPB Dodd-Frank Mortgage Rules Readiness Guide (Guide) to help financial institutions come into and maintain compliance with the mortgage rules outlined in the Summary of the Rules in this Guide. The CFPB has designed this Guide for use by institutions of all sizes.
What is the abbreviation for Bank Secrecy Act?
BANK SECRECY ACT, ANTI-MONEY LAUNDERING, AND OFFICE OF FOREIGN ASSETS CONTROL Section 8.1 INTRODUCTION TO THE BANK SECRECY ACT. The Financial Recordkeeping and Reporting of Currency and Foreign Transactions Act of 1970 (31 U.S.C. 5311 et seq.) is referred to as the Bank Secrecy Act (BSA).
What is Regulation Z of the fair credit billing act?
Regulation Z was first revised in 1970 to prohibit creditors from sending consumers unsolicited credit cards. Subsequent revisions to the regulation in the 1970s implemented billing dispute provisions of the Fair Credit Billing Act of 1974 and the Consumer Leasing Act of 1976. During the 1980s, Regulation Z was changed
What is the Federal Reserve Act of 2009?
In 2009, the Federal Reserve Board (Board) amended Regulation E to prohibit institutions from charging overdraft fees for ATM and one-time debit card transactions, unless the consumer opts in or affirmatively consents to the institution’s overdraft services (74 Fed. Reg. 59033 (Nov. 17, 2009) and 75 Fed. Reg. 31665 (June 4, 2010)).
[PDF File]The CFPB Dodd-Frank mortgage rules readiness guide
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The CFPB amended Regulations X and Z by expanding the types of mortgage loans that are subject to the protections of the Home Ownership and Equity Protection Act of 1994 (HOEPA), ... The CFPB issued final rules to amend Regulation Z jointly with the Federal Reserve Board, FDIC, FHFA, NCUA, and OCC.
[PDF File]Expedited Funds Availability Act - FDIC: Federal …
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Federal Home Loan Bank (FHLB) members. For purposes of subparts C and D, ‘‘bank’’ also includes any person engaged in the business of banking, Federal Reserve Banks, FHLBs, and that the government unit pays checks. For purposes of subpart D only, ‘‘bank’’ also refers to the . U.S. Treasury and the USPS to the extent that they act as
[PDF File]Green Book-update Oct-2021
https://info.5y1.org/federal-banking-regulations-cheat-sheet_1_571394.html
A Guide to Federal Government ACH Payments 5-3 Section 1: Background Reclamation is a procedure used by the federal government (government) to recover benefit payments made through the ACH to the account of a recipient who died or became legally incapacitated or a beneficiary who died before the date of the payment(s).
[PDF File]A Guide to CRA Data Collection and Reporting
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The regulations and Qs&As may be revised from time to time. Thus, institutions ... announced by the federal banking agencies annually by December . 31. The agencies also publish the ... • a transmittal sheet, • a definition of its assessment area(s),
[PDF File]Regulation E Electronic Fund Transfer Act - Federal …
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• remote banking programs; and • remittance transfers. The EFTA is implemented through Regulation E, which includes official interpretations. In 2009, the Federal Reserve Board (Board) amended Regulation E to prohibit institutions from charging overdraft fees for ATM and one-time debit card transactions, unless the consumer opts in or
[PDF File]Notice to Customers: A CTR Reference Guide
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Federal law requires financial institutions to report currency (cash or coin) transactions over $10,000 conducted by, or on behalf of, one person, as well as multiple currency transactions that aggregate to be over $10,000 in a single day. These transactions are reported on Currency Transaction Reports (CTRs).
[PDF File]BANK SECRECY ACT, ANTI-MONEY LAUNDERING, …
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1 Federal Banking Agencies consist of the Federal Reserve Board (FRB), Office of the Comptroller of the Currency (OCC), Office of Thrift Supervision (OTS), National Credit Union Administration (NCUA), and the FDIC. transaction. PACS was launched in October 2002 and permits secure filing of CTRs over the Internet using encryption technology.
[PDF File]Regulation Z Truth in Lending - Federal Reserve
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Competitive Equality Banking Act of 1987 and to require disclosures for adjustable-rate mortgage loans. Other Regulation Z amendments imple mented the Fair Credit and Charge Card Disclosure Act of 1988 and the Home Equity Loan Consumer Protection Act of 1988, which required disclosure of key terms at the time of application.
[PDF File]The Dodd-Frank Act: a cheat sheet - IFLR
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a cheat sheet. Morrison 2 Foerster THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, OR DODD-FRANK ... regulations that prohibit banks, bank holding companies and certain ... Federal banking regulators. As a result, a full
[PDF File]to Banking Laws and Regulations
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ABA’s Quick Reference Guide to Banking Laws and Regulations 5 Table of Contents (Regulations Only) Regulation Legislative Source Page
[PDF File]Colors of Money - DAU
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Colors of Money Greg Martin BCEFM Department Fort B elvoir V A 703-805-3007 gregory.martin@dau.mil 27 June 2018
[PDF File]EFTA Reg E ERROR RESOLUTION FLOW CHART Applies to Consumer
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Select the appropriate chart based on whether the customer’s access device was lost or stolen (debit card lost, online banking user name and password stolen, etc.) or whether the transaction was first noted on the account statement (i.e. ACH transaction that is unauthorized or an incorrect amount, counterfeit debit card transaction, etc.).
[PDF File]DFS Proposed Regulations: Part 500 - Cybersecurity ...
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services industry are stark. Adoption of the program outlined in these regulations is a priority for New York State. Section 500.01 Definitions. For purposes of this Part only, the following definitions shall apply: (a) Affiliate means any Person that controls, is controlled by or is under common control with another Person.
[PDF File]A GUIDE TO HMDA Reporting - Federal Financial Institutions ...
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8 The Federal HMDA reporting agencies (the Board, CFPB, HUD, FDIC, NCUA, and OCC), referred to as the “appropriate Federal agency” in Regulation C, agreed that, beginning on January 1, 2018, all HMDA filers will file their HMDA data with the CFPB. The CFPB will process the HMDA data for the Federal HMDA reporting agencies and the FFIEC, and
[PDF File]Regulation E Electronic Fund Transfer Act - Federal Reserve
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• remote banking programs; and • remittance transfers. The EFTA is implemented through Regulation E, which includes official interpretations. In 2009, the Federal Reserve Board (Board) amended Regulation E to prohibit institutions from charging overdraft fees for ATM and one-time debit card transactions, unless the consumer opts in or
[PDF File]Green Book-update Oct-2021
https://info.5y1.org/federal-banking-regulations-cheat-sheet_1_571394.html
A Guide to Federal Government ACH Payments 5-1 Green Book 5. Reclamations 5) Chapter 5: Reclamations 5 Reclamations Overview Section 1 defines reclamation and provides some background information on the subject. Section 2 covers an RDFI’s liability in the reclamation process. Topics include full and limited
[PDF File]COMPLIANCE GUIDELINES Regulatory Compliance Reference ...
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Definition of account types creates requirements Federal Reserve: Small Entity Compliance Guide Limits on auto transfers between accounts New Accounts Bookkeeping GENERAL REQUIREMENTS: Documentation Reporting Civil Money Penalties could apply Federal Reserve Consumer Compliance Handbook Regulation C - 12 CFR 1003 - Home Mortgage Disclosure Act ...
[PDF File]REG CC QUICK REFERENCE CHART JULY 1, 2020
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that banking day of deposit. (3) For purposes of the New Account hold ONLY , Traveler’s Cheques are treated the same as Cashier, Teller or Certified Checks . (4) Be sure to verify that your Reg CC account disclosures and your lobby posters state that 7 days is typically the longest period of time stated for Exception or Safeguard deposit holds.
[PDF File]BANK SECRECY ACT, ANTI-MONEY LAUNDERING, AND OFFICE OF ...
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1 Federal Banking Agencies consist of the Federal Reserve Board (FRB), Office of the Comptroller of the Currency (OCC), Office of Thrift Supervision (OTS), National Credit Union Administration (NCUA), and the FDIC. transaction. PACS was launched in October 2002 and permits secure filing of CTRs over the Internet using encryption technology.
[PDF File]to Banking Laws and Regulations
https://info.5y1.org/federal-banking-regulations-cheat-sheet_1_ce7fc8.html
ABA’s Quick Reference Guide to Banking Laws and Regulations 5 Table of Contents (Regulations Only) Regulation Legislative Source Page
[PDF File]A Guide to CRA Data Collection and Reporting
https://info.5y1.org/federal-banking-regulations-cheat-sheet_1_2d2116.html
The regulations and Qs&As may be revised from time to time. Thus, institutions ... announced by the federal banking agencies annually by December . 31. The agencies also publish the ... • a transmittal sheet, • a definition of its assessment area(s),
[PDF File]Expedited Funds Availability Act - FDIC: Federal Deposit ...
https://info.5y1.org/federal-banking-regulations-cheat-sheet_1_084bab.html
Federal Home Loan Bank (FHLB) members. For purposes of subparts C and D, ‘‘bank’’ also includes any person engaged in the business of banking, Federal Reserve Banks, FHLBs, and that the government unit pays checks. For purposes of subpart D only, ‘‘bank’’ also refers to the . U.S. Treasury and the USPS to the extent that they act as
[PDF File]CFPB Consumer Laws and Regulations SAFE Act
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Act regulations for federally regulated institutions subject to its supervisory responsibilities are at 12 CFR Part 1007, foll owed by its rule for State compliance and Bureau registration at 12 CFR Part 1008. 76 Fed. Reg. 78483 (Dec. 19, 2011).
[PDF File]Examzone Series 6 Study Sheet
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o Treasuries pay interest subject only to federal income tax o Municipal bonds pay interest exempt from federal income tax o Corporate bond interest taxable at federal, state, and local level Dividends are taxable at dividend tax rates Capital gains are taxable for the year realized
[PDF File]FinCEN Guidance, FIN-2019-G001, May 9, 2019
https://info.5y1.org/federal-banking-regulations-cheat-sheet_1_10491f.html
5. Bank Secrecy Act Regulations - Definitions and Other Regulations Relating to Money Services Businesses, 76 FR 43585 (July 21, 2011). defining a money services business as, “a person wherever located doing business, whether or not on a regular basis or as an organized or licensed business concern, wholly or in substantial
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