{"id":1122,"date":"2020-12-11T13:24:43","date_gmt":"2020-12-11T20:24:43","guid":{"rendered":"https:\/\/avalaunchsites.com\/bma\/?p=1122"},"modified":"2021-11-01T09:20:31","modified_gmt":"2021-11-01T15:20:31","slug":"compliance-update-december-2020","status":"publish","type":"post","link":"https:\/\/avalaunchsites.com\/bma\/2020\/12\/compliance-update-december-2020\/","title":{"rendered":"Compliance Update \u2013 December 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=”Regulatory Important Topic”][vc_column_text]\n
\u00a0<\/span>Helping Customers Through the PPP Forgiveness Process<\/b><\/h5>\n
    \n
  1. Review the rules governing the loan forgiveness process on the U.S. SBA Website\u00a0<\/span><\/li>\n
  2. Train Staff on how to review the calculations and documents within the application\u00a0<\/span><\/li>\n
  3. Consider Utilizing Specialized Software to help through the process\u00a0<\/span><\/li>\n
  4. Prepare for the SBA to potentially audit certain borrowers applications\u00a0<\/span><\/li>\n
  5. Prepare for the SBA to potentially limit the amounts of forgiveness for some borrowers\u00a0<\/span><\/li>\n
  6. Post links to the SBA\u2019s rules on your website that include helpful FAQ\u2019s\u00a0<\/span><\/li>\n
  7. Communicate frequently with the staff the reasons why a loan was denied forgiveness\u00a0<\/span><\/li>\n<\/ol>\n

    \u00a0<\/span>For further information: Reference \/ Utah Banker \/ Issue 3, 2020 \/ Page 5 \/ Author: Jay Kenney SVP, PCBB\u00a0<\/span><\/i>[\/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=”Compliance Topic Updates”][vc_column_text]\n

    Regulations M and Z Exemption Thresholds\u00a0<\/span><\/h5>\n

    Under the Dodd-Frank Act of 2010, the CFPB has reviewed the dollar amount thresholds for both exempt leases (Regulation M) and consumer credit transactions (Regulation Z). The CFPB review determined that the thresholds will both remain at the current $58,300.\u00a0<\/span>[\/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 Issues”][vc_column_text]\n

    \u00a0<\/span>STAR Act \/\/ H.R. 8787\u00a0<\/span><\/h3>\n

    \u00a0<\/span>11\/19\/20 – Introduced in the House by Debbie Lesko\u00a0<\/span><\/strong><\/p>\n

    \u00a0<\/span>Key Provisions:\u00a0<\/span><\/h4>\n
      \n
    • Student Aid and Tax-Advanced Accounts Reform (STAR)\u00a0<\/span><\/li>\n
    • Help families save for higher education by reforming 529 plans & retirement accounts (IRA\u2019s & 401k\u2019s)\u00a0<\/span><\/li>\n
    • Update the Student Aid contributions formula to better fit for families with multiple children by subtracting all sibling 529 plans. This will change the eligibility of financial aid for each student.\u00a0<\/span><\/li>\n
    • Would allow parents and grandparents to pay off student debt from these retirement accounts.\u00a0<\/span><\/li>\n
    • Would also allow individuals to take up to $5,250 tax and penalty free amounts from IRA\u2019s and 401k\u2019s to pay back on these student loans.\u00a0<\/span><\/li>\n<\/ul>\n

      \u00a0<\/span>PASS Act \/\/ H.R. 8820\u00a0<\/span><\/h3>\n

      \u00a0<\/span>11\/24\/20 – Introduced in the House by Lauren Underwood\u00a0<\/span><\/strong><\/p>\n

      \u00a0<\/span>Key Provisions:\u00a0<\/span><\/h4>\n
        \n
      • Pandemic Accommodation to Support Students\u00a0<\/span><\/li>\n
      • Amend the student loan relief section of the CARES Act to continue through September 30, 2021.\u00a0<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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