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.
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.
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…
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,…
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.…
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…
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…
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…
Charlie Consumer walks in and says that there’s been an unauthorized transaction on his account for $100 a week for the past 2 years. If your first thought is that…
It seems like such a simple concept, but sometimes knowing what counts as a day – or more precisely, a business day – can be difficult. Let’s start with the easy…
