{"id":1107,"date":"2020-10-01T14:08:59","date_gmt":"2020-10-01T20:08:59","guid":{"rendered":"https:\/\/avalaunchsites.com\/bma\/?p=1107"},"modified":"2021-11-01T09:20:52","modified_gmt":"2021-11-01T15:20:52","slug":"compliance-update-september-2020","status":"publish","type":"post","link":"https:\/\/avalaunchsites.com\/bma\/2020\/10\/compliance-update-september-2020\/","title":{"rendered":"Compliance Update \u2013 September 2020"},"content":{"rendered":"[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_link_target=”_self” column_shadow=”none” column_border_radius=”none” width=”1\/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” overlay_strength=”0.3″ column_border_width=”none” column_border_style=”solid” bg_image_animation=”none”][vc_row_inner column_margin=”default” text_align=”left”][vc_column_inner column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” width=”1\/1″ tablet_width_inherit=”default” overlay_strength=”0.3″ column_border_width=”none” column_border_style=”solid” bg_image_animation=”none”][nectar_gradient_text heading_tag=”h2″ color=”extra-color-gradient-2″ gradient_direction=”diagonal” text=”Latest Regulatory News”][vc_column_text]\n

Regulation B \/ Request for Information<\/h3>\n

The Consumer Financial Protection Bureau (CFPB) is requesting comments on creating a regulatory environment that will;<\/p>\n

    \n
  1. Expands Access to Credit<\/li>\n
  2. Ensure that all consumers and communities are protected from credit discrimination<\/li>\n<\/ol>\n

    Specifically, the CFPB is looking for comments on whether or not additional clarity \/ guidance is needed under the Equal Credit Opportunity Act (ECOA) and\/or Regulation B in these areas;<\/p>\n

      \n
    • Disparate Impact<\/strong> \u2013 Approach to the disparate impact analysis<\/li>\n
    • Limited English Proficiency<\/strong> \u2013 Methods to encourage lending services in languages other than English<\/li>\n
    • Special Purpose Credit Programs<\/strong> \u2013 How to facilitate use and regulatory uncertainty<\/li>\n
    • Affirmative Advertising<\/strong> \u2013 Ways to encourage the use of advertising to disadvantaged consumers<\/li>\n
    • Small Business Lending<\/strong> \u2013 Methods to support the credit needs of small minority & women owned businesses<\/li>\n
    • Sex Discrimination<\/strong> \u2013 Definition of this in light of the Supreme Court Decision<\/li>\n
    • Federal Preemption<\/strong> \u2013 The scope of preemption of State Law is inconsistent with ECOA & Regulation B<\/li>\n
    • Public Assistance Income<\/strong> \u2013 How lenders can determine the continuance of public assistance benefits<\/li>\n
    • Artificial intelligence (AI) & Machine Learning<\/strong> \u2013 The use of both for underwriting decisions<\/li>\n
    • Adverse Action Notices<\/strong> \u2013 Full usage review of Adverse Action Notice<\/li>\n<\/ul>\n

      Note:<\/strong> Comments are due by December 1, 2020 (This has been extended from October 2, 2020)<\/span><\/p>\n

      Reference: Federal Register; August 3, 2020; pp. 46600-46603 and August 25, 2020; pp. 52332-52333<\/em>[\/vc_column_text][vc_column_text css=”.vc_custom_1601582784867{margin-top: 40px !important;}”]\n

      HPML Escrow Exemption for Certain Smaller Institutions<\/h3>\n

      The CFPB has proposed changes to Regulation Z to provide a new exemption from the requirement to establish an escrow account for a higher priced mortgage loan (HPML). This would implement Section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174; signed into law on 05.24\/18).<\/p>\n

      Proposed Exemption will be available to insured depository institutions and credit unions that do not offer mortgage lending as a major business line. The exemption will apply if these criteria must be met;<\/p>\n

        \n
      • Asset Size<\/strong> \u2013 Asset size must be 10 billion or less. Note: adjusted annually for the CPI<\/li>\n
      • Volume<\/strong> \u2013 Originate less than 1,000 first mortgage loans in the prior calendar year<\/li>\n
      • Location<\/strong> \u2013 Originated a first mortgage loan designated as \u201crural\u201d or \u201cunderserved\u201d in the previous calendar year<\/li>\n
      • No Escrow Program<\/strong> \u2013 You must not escrow for any mortgages that you service, except in limited instances<\/li>\n<\/ul>\n

        Note<\/strong>: Comments are due by September 21, 2020<\/span><\/p>\n

        Reference: Federal Register; July 22, 2020; pp. 44228-44244<\/em>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” text_align=”left”][vc_column_inner column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” width=”1\/1″ tablet_width_inherit=”default” overlay_strength=”0.3″ column_border_width=”none” column_border_style=”solid” bg_image_animation=”none”][nectar_gradient_text heading_tag=”h2″ color=”extra-color-gradient-2″ gradient_direction=”diagonal” text=”Emerging Regulatory Issues”][vc_column_text]\n

        Improving Corporate Governance Through Diversity Act \u2013 H.R. 5084<\/h3>\n

        Key Provisions:<\/strong><\/p>\n

          \n
        1. Require certain issuers of securities to disclose the racial, ethnic, and gender composition of their
          \nboard of directors, executive officers, and the status of any directors or officers that are veterans.<\/li>\n
        2. Require the disclosure of any plan to promote racial, ethnic, and gender diversity among these
          \ngroups.<\/li>\n
        3. Require the SEC to establish a Diversity Advisory Group to report on strategies to increase racial,
          \nethnic, and gender diversity among board members.<\/li>\n<\/ol>\n

          11.14.19<\/strong> Introduced in the House by Gregory Meeks
          \n11.19.19<\/strong> Passed the House[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” text_align=”left”][vc_column_inner column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” width=”1\/1″ tablet_width_inherit=”default” overlay_strength=”0.3″ column_border_width=”none” column_border_style=”solid” bg_image_animation=”none”][nectar_gradient_text heading_tag=”h2″ color=”extra-color-gradient-2″ gradient_direction=”diagonal” text=”Complaint Management Compliance Tips”][vc_column_text]\n

          Four Tips for Greater Compliance<\/h3>\n
            \n
          1. Consumer Complaint Policy<\/strong>\n
              \n
            • Clearly outline the banks management program<\/li>\n
            • Define what constitutes a complaint, including those which are identified as high-risk<\/li>\n
            • Access and ease of filing a complaint, such as on the Website<\/li>\n<\/ul>\n<\/li>\n
            • Complaint Management Processes and Procedures<\/strong>\n
                \n
              • Detail out the complaint lifecycle through tracking<\/li>\n
              • Responsibility and Accountability clearly defined within the team<\/li>\n
              • Process to escalate complaints<\/li>\n
              • When to report to Management \/ Board<\/li>\n<\/ul>\n<\/li>\n
              • Training<\/strong>\n
                  \n
                • Confirm that all front-line employees and trained and re-trained<\/li>\n
                • Confirm all employees know the escalation procedures<\/li>\n
                • Know the time sensitivity of all complaints<\/li>\n
                • Understand the resolution process both internally and externally<\/li>\n<\/ul>\n<\/li>\n
                • Tracking, Trending, and Reporting<\/strong>\n
                    \n
                  • Learn from all complaints<\/li>\n
                  • Analyze your tracking, trending, and reporting<\/li>\n
                  • Provide complaint management guidelines for reviewing and analyzing causes<\/li>\n
                  • Retention and Reporting guidelines and resolution tracking<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

                    Reference: Michael Berman, CEO of Ncontacts; Banking Compliance; September \/ October 2020; pp. 35-36<\/em>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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