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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?

Deposit Holds

11/07/2022
Can a large deposit hold be placed on a next day item (cashier's check) for the amount over $5,525?

Sinage Requirements for a Loan Production Office

10/31/2022
Not all loan production offices are the same, and the signage required is going to depend on which activities take place there.

Confirming Selection of Gender

10/23/2022
I had a borrower who selected that they did not wish to provide information regarding sex but a sex was also selected. If I recall if someone selects I do not wish to provide the information and selects a gender, can you confirm that the selection of gender made should be placed on the HMDA LAR?

HELOC Draw Period of ending

10/21/2022
Is it a requirement to inform a customer that the draw period for HELOC is ending?

Customer Letter on Debit Card Dispute

10/13/2022
We require a customer letter for debit card disputes,and we need the letter to submit to our processor for their investigation. If the customer does not provide us with their letter, do we have to close the case with the customer on that 10th business day and give them final credit?

Disclosures and Denied HELOC

09/26/2022
We had an applicant apply for a HELOC. We know HELOC disclosures need to be sent out within three days for phone applications but on the day after the application was submitted, we denied it but the adverse action was sent out four days after application. Should we have sent the HELOC disclosures within three days knowing it was going to be denied because the denial letter was not sent out until after the three-day timeline?