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OCC Bulletin January 24, 2007	Home Mortgage Disclosure Act Higher exemption threshold for depository institutions under Regulation C.
OCC Bulletin December 20, 2006	Revisions to 12 CFR 215 The Federal Reserve System has published amendments to 12 CFR 215 (Regulation O) in the Federal Register, removing certain reporting requirements regarding extensions of credit to bank insiders.
OCC Bulletin January 22, 2007	Community Reinvestment Act Two separate revisions are made to the CRA regulation in this rulemaking.
OCC Bulletin August 25, 2004	Final Rule Implementing Check Clearing for the 21st Century Act On July 26, 2004, the Federal Reserve Board released final amendments to Regulation CC and its commentary to implement the Check Clearing for the 21st Century Act, which was enacted on October 28, 2003, and becomes effective on October 28, 2004.
OCC Bulletin October 20, 2003	Bank Secrecy Act Examination Procedures The examination procedures allow examiners to tailor the examination scope according to the reliability of the bank's compliance management system and the level of risk assumed by the institution.
OCC Bulletin March 11, 2003	Office of Foreign Assets Control The U. S. Treasury Department's Office of Foreign Assets Control (OFAC) published a final rule on February 11, 2003, concerning the disclosure of certain civil penalties information. OFAC administers and enforces economic sanctions programs.
Bank Technology News October 2009 John Adams	IT Cleanup in the Home Equity Aisle Two risky strategies of the past -- high-cost home equity loans made without tax and insurance escrow accounts, and the use of tech platforms siloed between different types of real estate lending -- are coming back to bite mortgage lenders via tough new regulations.
OCC Bulletin March 16, 2006	Amendments to Regulation CC and J Addressing Remotely Created Checks The amendments are effective on July 1, 2006. The Board's Federal Register notice is attached.
OCC Bulletin October 5, 2004	Final Rule: Extension of the Lending Limits Pilot Program The program, which provides special lending limits for family residential real estate loans and small business loans, has been extended to June 11, 2007. The program also now includes certain agricultural loans
OCC Bulletin January 27, 2006	Bank Secrecy Act/Anti-Money Laundering The attached document provides a joint statement on sharing suspicious activity reports with controlling companies.
OCC Bulletin December 23, 2005	Bank Security Act/Anti-Money Laundering Process for taking administrative enforcement actions against banks based on BSA violations.
OCC Bulletin April 12, 2005	Community Reinvestment Act A joint interim rule for the Community Reinvestment Act (CRA) regulations has been adopted in final form, without change.
OCC Bulletin December 14, 2005	Small Entity Compliance Guide This compliance guide summarizes the obligations of financial institutions to protect customer information and illustrates how certain provisions of the Security Guidelines apply to specific situations.
OCC Bulletin June 8, 2006	Flood Disaster Protection Act The Federal Emergency Management Agency's revised Standard Flood Hazard Determination form incorporates minor revisions to the instructions.
OCC Bulletin August 22, 2006	Do-Not-Call List Requirements The Telephone Consumer Protection Act and its implementing regulations establish requirements for all entities that conduct "telemarketing," either directly or through a third party -- including national banks.
OCC Bulletin April 25, 2005	Bank Secrecy Act/Anti-Money Laundering Joint statement on providing banking services to money services businesses.
OCC Bulletin August 12, 2002	International Banking Activities Capital Equivalency Deposits A new rule amends the OCC's regulation regarding the capital equivalency deposits (CED) that foreign banks with federal branches or agencies must establish and maintain.
OCC Bulletin January 13, 2004	Preemption and Visitorial Powers Two new final rules deal with the applicability of state law to national banks and the OCC's current regulation concerning the scope of the agency's "visitorial powers" over national banks.
OCC Bulletin April 18, 2006	Final Rule: Bank Secrecy Act/Anti-Money Laundering The Financial Crimes Enforcement Network has issued a final rule that imposes special measures against Commercial Bank of Syria (CBS), including its subsidiary, Syrian Lebanese Commercial Bank.
OCC Bulletin October 4, 2006	Home Equity Lending: Addendum to OCC Bulletin 2005-22 The addendum provides guidance addressing the timing and content of communications with consumers obtaining open- end home equity lines of credit that contain an interest-only feature.
OCC Bulletin February 2, 2005	Standards for National Banks' Residential Mortgage Lending Practices OCC guidelines establishing standards to further ensure that national banks do not become involved in predatory, abusive, unfair, or deceptive residential mortgage lending practices take effect 60 days after their publication in the federal register.
OCC Bulletin December 29, 2005	Nontraditional Mortgage Products Request for Comment on Proposed Nontraditional Mortgage Product Guidance
OCC Bulletin	Community Reinvestment Act: Income Level, Median Family Income U.S. Census and 2006 Department of Housing and Urban Development (HUD) estimated median family incomes for metropolitan statistical areas (MSAs), metropolitan divisions (MDs), and nonmetropolitan portions of each state.
OCC Bulletin August 24, 2005	Community Reinvestment Act The revisions to the Community Reinvestment Act regulations, effective September 1, 2005, include a new test -- the community development test -- for intermediate small banks.
OCC Bulletin December 6, 2006	Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices This Interagency Guidance describes sound risk management practices that will enable institutions to pursue CRE lending in a safe and sound manner.
OCC Bulletin August 15, 2006	Assessment of Fees: Final Rule The attached final rule amends part 8 of the OCC's rules concerning the timing of payments of OCC assessments. The effective date of the final rule is August 24.
U.S. Banker September 2009 Glen Fest	Closing Costs Community bankers understand the need for more transparency in mortgage loan disclosure requirements under Reg Z and RESPA. The problem, they say, is that disparate rules are costly and so confusing that they will delay settlements.
OCC Bulletin October 4, 2006	Nontraditional Mortgage Products: Guidance on Nontraditional Mortgage Product Risks Guidance discusses how institutions can offer nontraditional mortgage products in a safe and sound manner and in a way that clearly discloses the benefits and risks to borrowers.
OCC Bulletin October 13, 1999	Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions...
OCC Bulletin January 13, 2006	Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices.
OCC Bulletin December 6, 2005	Community Reinvestment Act: Notice and Request for Comment Thirteen new questions and answers are being published for comment.
OCC Bulletin May 3, 2005	Accounting and Reporting for Mortgage Loan Commitments Interagency Advisory on Accounting and Reporting for Commitments to Originate and Sell Mortgage Loans
OCC Bulletin May 6, 2005	Bank Secrecy Act/Anti-Money Laundering Interagency interpretive guidance on providing banking services to money services businesses operating in the United States.
OCC Bulletin January 12, 2006	Home Mortgage Disclosure Act Exemption Threshold for Depository Institutions under Regulation C: the final rule amending the staff commentary that interprets the requirements of the regulation.
OCC Bulletin August 24, 2005	Community Reinvestment Act The final rule revising the Community Reinvestment Act will make key changes to the Office of the Comptroller of the Currency regulations.
OCC Bulletin October 1, 2001	Uniform Standards for the Electronic Delivery of Disclosures; Regulations M, Z, B, E, and DD The Board has lifted the mandatory compliance date for these rules. National banks may continue to provide electronic disclosures under their existing policies and practices, or may follow the interim rules, until the Board issues permanent rules...
This Old House Sid Davis	Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal.
The Motley Fool September 25, 2007 Buz Livingston	Dump "Liar Loans" Many lenders have either shut down or reduced their subprime lending practices in the last few months. However, isn't this a bit like closing the barn door after the horse has escaped?
OCC Bulletin December 6, 2005	Interim Final Rule: Assessment of Fees The interim final rule revises the current process for assessment collection.
OCC Bulletin June 22, 2006	2006 Revisions to Uniform Standards of Professional Appraisal Practice This statement highlights the revisions in Uniform Standards of Professional Appraisal Practice, effective July 1, 2006, and reminds banks to consider the ramifications of the revisions to their appraisal practices.
OCC Bulletin October 4, 2006	Nontraditional Mortgage Products: Proposed illustrations of consumer information and request for comments.
The Motley Fool January 24, 2007 Mary Dalrymple	Study Your College Loan Options Know when to use a private or a federal loan to pay your tuition bill.
OCC Bulletin January 15, 2004	Reporting and Disclosure Requirements for National Banks with Securities The final rule, entitled "Reporting and Disclosure Requirements for National Banks With Securities Registered Under the Securities Exchange Act of 1934; Securities Offering Disclosure Rules," amends 12 CFR 11 and 12 CFR 16.
The Motley Fool November 28, 2006 Mary Dalrymple	Gas Up Your Mortgage? Could an accelerator program be a good idea if you've worked through your priorities and decided that paying off your mortgage quickly ranks at the top?
OCC Bulletin July 3, 2002	Office of Foreign Assets Control Notice of Proposed Rulemaking: OFAC intends to periodically publish certain information about civil penalties and informal settlements to increase awareness of its enforcement activities and to encourage compliance.
BusinessWeek July 14, 2003 Anne Tergesen	Home Loans with Bells and Whistles Some new twists on mortgages offer more flexibility -- for a price.
OCC Bulletin May 20, 2004	Fair Credit Reporting Medical Information Regulations Section 411 of the FACT Act prohibits creditors from obtaining or using medical information pertaining to a consumer in connection with any determination of the consumer's eligibility or continued eligibility for credit, and restricts the sharing of medical information and related lists or descriptions among affiliates.
OCC Bulletin July 29, 2002	Customer Identification Programs This bulletin transmits a notice of a proposed regulation that requires all banks to implement a customer identification program (CIP) that is appropriate given the bank's size, location, and type of business.
Bank Technology News March 2006 Michael Grebb	Cutting To the Chase New rules under the Home Mortgage Disclosure Act require lenders to collect and reveal data on a loan applicant's race, sex and income. Institutions must also share how they determine rate spreads for different applicants.
Registered Rep. March 1, 2008 Kristen French	The Lending Squeeze The tightening credit conditions is causing some financial advisors to have trouble getting loans for clients.