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Notice of incompleteness

03/21/2023
We sent a notice of incompleteness to a customer and one of the items they need more time to get this info. It is permissible to provide another notice of incompleteness (“NOI”) to extend the current NOI deadline for a later date?

Notice when canceling a customers debit card

03/13/2023
If we cancel a customer's debit card do we have to notify them?

RESPA and Collecting a Cushion for Escrow Accounts

12/27/2022
Does RESPA require that we collect a cushion for escrow accounts? How large of a cushion must be collected?

CD Early Withdrawal Penalties

12/23/2022
Can CD early withdrawal penalties be waived? Are there any requirements that need to be met?

REG CC and Foreign Banks

12/15/2022
Do Reg CC exception holds apply to check deposits drawn on foreign banks?

CAN-SPAM Act and 3rd party emails

11/28/2022
A local association has agreed to forward an ad for the Bank along with its e-mailed newsletter. Does CAN-SPAM apply if the Bank isn't sending the e-mail?

Multiple Pod Beneficiaries

11/14/2022
If an account has multiple Pod beneficiaries on it and one beneficiary passes before the account owner, would the remaining Pod beneficiaries will receive the funds in the account upon the death of the account holder? In other words, none of the funds would be paid to the deceased POD's heirs?