Jon Tavares
Senior Compliance Consultant
Jon Tavares, JD, LLM, CRCM, NCCO is a Senior Compliance Consultant with the Temenos Compliance Advisory Services team. Having served as Corporate Counsel for a community bank, Compliance Officer at a regional bank, and Regulatory Change Manager at a large bank, Jon brings varied and wide-ranging experience to the team. Jon is knowledgeable in all aspects of banking compliance with an emphasis on advertising, military lending, mortgage, and privacy rules. Jon earned a Bachelor of Arts from San Diego State University and Master of Laws and Juris Doctor degrees from The University of Alabama School of Law. He is a Certified Regulatory Compliance Manager and NAFCU Certified Compliance Officer.
Latest articles from Jon Tavares
Supervisory Issues in Debt Collection, Part 1
Join Senior Compliance Consultant Jon Tavares as he discusses some of the recent violations of the FDCPA and Regulation F found in recent debt collector examinations.
Consumer Complaints in Debt Collection
Join Jon Tavares as he discusses common consumer complaints addressed in the CFPB’s April 2022 Annual Report on the Fair Debt Collection Practices Act.
The SRCA 6% Limit and Community Property
Compliance expert Jon Tavares provides an overview of the Servicemembers Civil Relief Act's 6% interest rate cap and how it applies to community property.
Equal Housing Lender Logo Requirements
The Equal Housing Lender logo is almost ubiquitous in financial institution advertising that we almost forget it’s there, but many institutions are not very clear on the requirements for its use.
Payday Rule: Where Are We Now?
This article will give a very brief overview of the Payday Rule’s requirements, what has occurred with the Payday Rule since it was published and where it currently stands. For…
NOW….Should You Continue Offering These Accounts
In a NOW Account, a depository institution has reserved the right to require at least seven days’ notice prior to a withdrawal or transfer that is subject to check, draft,…
Hybrid Prepaid-Credit Cards
Well, this is it gang! We’ve finally reached the end of the Prepaid Rule. Today, I will cover the requirements for hybrid prepaid-credit cards. Let’s start with a few definitions.…
Miscellaneous Prepaid Requirements
We’re almost there gang! This is my penultimate post in this Prepaid Rule series. In fact, this is it for Regulation E. If you haven’t seen the previous articles in…
Pre-Acquisition Disclosures Under the Prepaid Rule
My last article described the definition of a prepaid account. In this article, I will describe the pre-acquisition disclosures that you must provide with any prepaid account. Before a consumer…
What Is Considered a Prepaid Account?
Is this a prepaid account? With the Prepaid Rule becoming effective in April, this is the most pressing question on a compliance officer’s mind. Well, you’re in luck! We’ve got…