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How Temenos challenges the banking industry’s conventions

Banking services are increasingly embedded in people’s everyday lives. This has opened the door for new and disruptive business models to gain popularity.

Taking HMDA Speculation Out of Spec Homes

Many Financial Institutions are once again subject to HMDA reporting. Senior Compliance Consultant Shelly Nicholl provides guidance to assist those FI’s in clearing up the confusion on reporting construction loans to builders for spec homes.

Fair Lending Refresher

Fair Lending is a dangerous subject for Financial Institutions. Keeping staff trained and up to date on Fair Lending matters can mitigate risks of serious costly fair lending violations.

Back to the Basics – Escrow: Part 2

Matt Goble, Senior Compliance Advisor discusses the very specific rules that a lender must follow in establishing and servicing an escrow account. These rules, found in Regulation X (RESPA) (12 CFR Part 1024.17) , govern all aspects of an escrow account established for a covered loan.

Supervisory Issues in Debt Collection, Part 2

In recent examinations of debt collectors, the CFPB has identified several violations of the FDCPA and Regulation F. Jon Tavares continues his discussion on these violations and encourages that any entity collecting debts, whether they are collecting debts owed to them or are a third-party debt collector, to take note of the CFPB’s Report.