Bankers Compliance Resources

As of October 25th, 2017

Compliance Management

Annual Threshold Adjustment Chart (updated Dec 30,

2016)

Audit-Exam Exception Tracking Report

2015 Compliance Calendar

2016 Compliance Calendar (updated Oct 21, 2016)

2017-2018 Compliance Calendar

Check Handling Guide

Common Compliance Acronyms (updated Jan 18, 2017)

Complaint Resolution Form

Complaint Tracker

Do Not Call/Fax/Email Matrix

Elder Financial Abuse

E-Sign Guide

HR: Background Check Disclosure and Authorization

Form

Iowa Banking Guide

Loans to Insiders - Reg. O and State Bank Requirements

Loans to Insiders - Reg. O and State Bank Requirements

(effective July 1, 2017)

Record Retention Manual

Reports to be reviewed by the Board of Directors

Required Signage

Regulations A to Z

Bank Secrecy Act (BSA)

Beneficial Owner Form – Complex Ownership

Beneficial Owner Form – Consumer Ownership

Beneficial Owner Form – Completed Sample – Multiple Bus

Ownership

Beneficial Owner Form – Completed Sample – Bus &

Consumer Ownership

BSA Exemption Review Form

BSA/AML Examination Updated Guide 12-2014

Business Customer Due Diligence Risk Rating Form

CIP Worksheet

Consumer Due Diligence Risk Rating Form

CIP Worksheet

Consumer due Diligence Risk Rating Form

Legal Entity Customer

SAR Incident Determination Report

Sample Policies

Anti-Money Laundering (updated Jan

28, 2016)

Bank Secrecy Act

BCC Sample Policies - LO Compensation

BCC Sample Procedures - LO

Compensation

BCC Sample Policies - Servicing

BCC Sample Procedures - Servicing

Complaint Policy

Customer Identification Program

Do Not Call

Identity Theft Red Flags and Address

Discrepancies

Information Sharing - 314(a) and

314(b) Policy

Office of Foreign Assets Control

Unlawful Internet Gambling

SAFE Act Policy

SAFE Act Procedures

Bankers Compliance Resources

Deposit Account Forms & Compliance Guides

ACH Originator Annual Review Worksheet

Affidavit of Forgery, Alteration or Unauthorized Remotely

Created Check

Affidavit of Unauthorized ATM

Bonus-Premium Flow Chart

Check 21 Consumer Notice

Check 21 Expedited Claim Notices

Check 21 Expedited Recrediting

Garnishment of Accounts Containing Federal Benefit

Payments

Garnishments: Notice of Garnishment to Account Holder

Garnishments: Notice of Right to Garnish Federal Benefits

Iowa Statutory POA Certification (courtesy of Iowa Trust

and Estates Counsel)

Iowa Statutory POA Form (courtesy of Iowa Trust and

Estates Counsel)

Lotteries and Games of Chance

NOW Account Eligibility

Realtor Trust Fund Interest Remittance Form

(beneficiary, Iowa Realtors Association Foundation)

Realtor Trust Fund Interest Remittance Form

(beneficiary, State of Iowa - page 47 of manual)

Reg. CC Reference Guide - Holds 7/21/2011

Reg. CC Flow Chart

Reg. D Allowable Withdrawal Limit Guide

Reg. E Consumer Liability Guide (updated Jan 27, 2016)

Reg. E Error Resolution Notices

Reg. E Error Resolution Worksheet

Stop Payment vs Authorization Revoked or Unauthorized

(NEW - July 2016)

Subpoena, Summons, Garnishment & Tax Levy Guide

Loan Documentation Checklists

Closed-end Home Loans - For

applications received on/after Oct. 3,

2015

Commercial Loan Checklist Non-RE

Secured

Commercial Loan Checklist Real Estate

Secured

Commercial Loan Checklist Unsecured

Commercial Loan Request Summary

(Feb 2017)

Commercial Loan Request Summary-

NotHMDA Reportable (Feb 2017)

Consumer Installment Loans (not

secured by auto) (updated Jan 11,

2017)

Direct Automobile Loans (updated Jan

11, 2017)

Home Equity Lines of Credit

Residential Adjustable Rate First

Mortgage - For applications received

on/after Oct. 3, 2015 (updated June 16,

2016)

Residential Fixed Mortgage - For

applications received on/after Oct. 3,

2015 (updated June 16, 2016)

Advertising Checklists

Consumer Closed-End Credit

Consumer Open-End Credit

Home Equity Lines of Credit

(Updated Oct 21, 2016)

Deposit Accounts

Investment & Insurance

Bankers Compliance Resources

Loan Forms & Compliance Guides (1 of 3)

FCRA

Completion Guide for Combined Reg. B/FCRA Adverse Action Notice

Credit Report Dispute Resolution Form

Flood Disaster Protection Act

Flood Insurance Calculation Form

Flood Zone Worksheet (save to your desktop to work on)

Force-Placed Hazard & Flood Insurance Guide (updated June 9, 2016)

HUD Forms

HUD Homeowner Counseling Notice

HUD SCRA Notice (updated April 1, 2016)

Iowa Law Issues

Allowable Fees under the Iowa Code Guide (updated Jan 9, 2017)

Allowable Fees under the Iowa Code Guide (effective July 1, 2017)

Iowa Banking Guide

Mortgage Mediation Notice

State of Iowa Student Loan Disclosure Model Form

UCC 9-614 Notice of Disposition-Consumer

UCC 9-613 Notice of Disposition-Non-Consumer

Military Lending Act

Rule effective Oct. 3, 2016

o IBA MLA Compliance Webinar - Part I for purchase

o IBA MLA Compliance Webinar - Part II for purchase

o Frequently asked Q&A

o THE DISCLOSURE articles

o Department of Defense MLA Database (for safe harbor purposes)

o Military Lending Act Comparison Guide (Old Rules vs New Rules)

o MLA Coverage Flowchart (updated Dec 19, 2016)

o MLA SCRA Comparison Guide

Misc. Lending Forms

Regulatory Requirements for Mobile Home Only Loans

2005 Bankruptcy Reform National Creditor Registration Service

Enrollment Form

Identity Theft Complaint Packet

Manufactured Home Only (no land) Guide

National Motor Vehicle Title Information System (NMVTIS)

Private Mortgage Insurance Guide (updated Jan 22, 2016)

Bankers Compliance Resources

Loan Forms & Compliance Guides (2 of 3)

Reg. B - ECOA

Adverse Action Notice Reason Guide

Adverse Action Notice Review Form

Appraisal Requirements Chart

Completion Guide for Combined Reg. B/FCRA Adverse Action Notice

GMI Collection for Reg. B Purposes

Reg. C - HMDA

Current Rule

o Commercial Loan Request Summary

o GMI Collection for HMDA Reporting Banks

o HMDA Input Sheet

o HMDA Flow Chart

o HMDA and Temporary Financing Flow Chart

HMDA - Revision effective Jan. 1, 2017 & Jan. 1, 2018

o 2018 & 2019 HMDA Institutional coverage Guide (revised 9/5/2017)

o Action Taken Reporting Guide (revised 9/5/2017)

o CFPB Summary of Reportable HMDA Data - Regulatory Reference Chart

o Covered Loan Guide (revised 9/5/2017)

o 2018 HMDA Data Input Sheets (10/23/2017)

o HMDA Data Points Related to Property Guide

o HMDA Loan Tracker (10/25/2017)

o LAR Data Field Guide (10/23/2017)

o Multiple AUS & Result Guide

o Reportable Interest Rate Guide (revised 9/5/2017)

o Transition Rule Race & Ethnicity Guide

o URLA Demographic Addendum

o THE DISCLOSURE articles

Reg. X - RESPA

CHARM and HELOC Order Form

Force-Placed Hazard & Flood Insurance Guide (updated June 9, 2016)

Small Creditor - Small Servicer Guide (effective June 9, 2017)

Bankers Compliance Resources

Loan Forms & Compliance Guides (3 of 3)

Reg. Z

Ability to Repay - Qualified Mortgage Rules

o ATR-QM Features, Limitations and Prohibitions (updated Jan 9, 2017)

o ATR Documentation Worksheet-Amortizing Loan (no balloon payment)

o ATR Documentation Worksheet-Amortizing Loan with Balloon Payments

o Balloon Payment QM Documentation Worksheet (updated Jan 5, 2017)

o General QM Documentation Worksheet (updated Jan 5, 2017)

o GSE-Agency QM Documentation Worksheet (updated Jan 5, 2017)

o Points and Fees per 1026.32(b)

o Small Creditor QM Documentation Worksheet (updated Jan 5, 2017)

o Small Creditor - Small Servicer Guide (updated June 9, 2017)

o Sample Underwriting Guidelines Grid

ARM Loan Rate Change Notice Guide - Initial Notice

ARM Loan Rate Change Notice Guide - Ongoing Notice

Coverage Considerations under Reg. Z

Escrow Account Closing Notice 1215

Finance Charge Chart

Force-Placed Hazard & Flood Insurance Guide (updated June 9, 2016)

Higher Priced Mortgage Loan & High Cost Mortgage Loan Rules

o Appraisal Requirements Chart

o HCML-HPML Guide

o HOEPA Disclosure

Private Education Loans

Private Education Loan Application & Solicitation Model Form

Private Education Loan Applicant Self-Certification

Private Education Loan Final Model Disclosure

Private Education Loans Model Approval Disclosure

Reduction-Termination of LOC letter requirements

TILA-RESPA Integrated Disclosure (TRID) Tools

o Business Day Definition Applicable to TRID Provisions

o CFPB TILA-RESPA Integrated Disclosure Guide to the Loan Estimate and Closing Disclosure

o CFPB TILA-RESPA Integrated Disclosure Small Entity Guide

o Comparison of Pre-DFA Mortgage Disclosures to Integrated Mortgage Disclosures

LE-CD Fee Placement Guide (updated Feb 18, 2016)

LE-CD Fee Tolerance Guide (April 11, 2016)

Loan Product Guide - TRID

Loan Purpose Definitions for TRID

Recordings of CFPB TRID Webinars

Separation of Borrower-Seller Info on CD Guide (added Feb 10, 2016)

Shopping for Settlement Services Guide

TRID Forms Completion Guide (updated June 9, 2017)

TRID Full Day Seminar PPT

"Your Home Loan Toolkit" Order Form