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Generalized checklist for consumer RE-secured loans including compliance checklist.
This checklist works well for us.
This is the form our bank use.
This is from the Laser Pro TILA-RESPA User Training Guide. Instructions for completing Section K for Prorated items. Hope this helps.
Uploaded in response to: Can anyone help me enter Prorated Property Taxes in LaserPro on the new Loan Estimate?
I have attached what we use for our annual branch audits. Some of the items will not apply to your situation, but the basics are there. We then do a follow up of the audit and send it to the branch manager for a response if there are any findings.
Hope this helps
Uploaded in response to: What do you look for/at when performing a branch audit?
We've been using this form for about a year now. It's simple, easy to use and understand, and doesn't take much time to complete. I haven't had any problems getting the responsible officers to turn them in.
Uploaded in response to: Risk Assessment
THis is a calculator from Bankers Online this morning It works for both Saturday and non Saturday banks.
Nominating Committee Policy including board member duties and responsibilites
Uploaded in response to: Does anyone have a list of board of director responsibilites?
Revised document previously submitted. This document relates better to the Closing Disclosure.
Uploaded in response to: Does anyone have a flowchart or something that explains their workflow for the upcoming TRID rule?
Form used to document liquidity verification check and policy compliance prior to purchasing an investment.
Post-purchase investment form to document purchases done by an investment adviser who has discretionary authority.
LE/CD Timing Calculator
We made this sheet to help track the accumulative 10% fee change.
TRID timeline reference chart. Revised this document from another cbanc contributor.
TRID three-day closing disclosure rule flow chart.
This is the scope of the planned audit provided to the department before the audit. The procedures are then documented in the audit report.
Uploaded in response to: Does anyone have a procedure or outline they use to conduct a wire transfer internal audit?
Most recent Reg AA policy/procedures
Uploaded in response to: I was wondering if anyone could supply their most recent Regulation AA Policy and Procedure.
Procedures for CRA and questions/requested items for a Compliance Exam
Uploaded in response to: Looking for CRA information
Member Closure letter
Uploaded in response to: Does anyone have a letter template to use when closing account for account abuse?
These are procedures (in the form of a Compliance Advisory) for the new TRID rules. Internal procedures for your bank will need to be customized. The procedures do not include specific rules for completion of the Loan Estimate and Closing Disclosure.
Letter, audit certification and training document that can be mailed or hand delivered to your Remote Deposit Capture customers annually to help satisfy the new FFIEC Guidance requirements.
This is a document we compiled together as a general policy for our internet banking & mobile banking products because of our set-up. Our customers have to be internet banking users before they can be mobile banking users. It is a total length of 4 pages long in which it describes a background of the bank & desription of what all our ebanking products entail. It also includes a risk matrix of our internet & mobile banking products.
This is a short (less than 1 page) sample security message that can be used to educate customers to help meet the new FFIEC Supplemental Guidance on Internet Banking Authentication. It can be sent out as a statement message or secure message. You will want to customize it with the various security features that you offer.
Here is a sample policy for social media usage. It's brevity is purposeful as you want to be able to enable but still adhere to certain guidelines organizationally.
Looking a social media assessment? Look over in the consultant listings where we are also offering a small number of assessments to help you get started.
This is an overview of TRID that I did with all the Mortgage Staff, including LO's. It doesn't go into to detail on how to fill out the forms - just the basics of what is required.
Uploaded in response to: TRID training
This risk assessment of the ATR-QM rules is separated into a section for Qualified Mortgages and a section for non-QMs. It is further subdivided into sections for Legal Risk, Strategic Risk, Operational Risk, Compliance Risk, and Reputational Risk. It identifies the associated risk and risk fields for likelihood of occurrence, adverse impact, inherent risk, mitigating controls, adequacy of controls, residual risk, and comments. Our bank will do both QM and non-QM loans but do fall under the small creditor QM rules. You will have to customize and risk rate to your bank's operations.