{"id":1168,"date":"2021-04-07T02:21:50","date_gmt":"2021-04-07T08:21:50","guid":{"rendered":"https:\/\/avalaunchsites.com\/bma\/?p=1168"},"modified":"2021-07-20T10:28:14","modified_gmt":"2021-07-20T16:28:14","slug":"compliance-update-april-2021","status":"publish","type":"post","link":"https:\/\/avalaunchsites.com\/bma\/2021\/04\/compliance-update-april-2021\/","title":{"rendered":"Compliance Update \u2013 April 2021"},"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=”Your Transition from the LIBOR Index”][vc_column_text css=”.vc_custom_1617783215504{padding-bottom: 0px !important;}”]As we reviewed in this publication last June, it still stands that the LIBOR Index will no longer be available after 2021.<\/p>\n

As the transition remains a global priority, the Federal Security Board (FSB) published a progress report and provided a roadmap of milestones that you should follow to navigate this process in a timely manner. You can find this publication under \u201cfsb.org\/2020\/10\/global-transition-roadmap-for-libor<\/a>\u201d or you can find under just \u201cfsb.org<\/a>\u201d.<\/p>\n

After 3 decades, it was determined that LIBOR was vulnerable to interest rate manipulation. Because of this, it was announced that this benchmark rate would be discontinued beginning December 31, 2021.[\/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=”Drafting and Maintaining Effective Institution Policies”][vc_column_text]The 7 Best Practices for Drafting Effective Policies<\/p>\n

1. Use plain English:
\n– All financial institutions staff should be able to understand and implement the policy, so keep it simple.<\/p>\n

2. Tailor Policies to your Institution:
\n– Include in your policies the \u2018secret sauce\u2019 that highlights your institutions differences.<\/p>\n

3. Keep them Brief:
\n– Your policies should be concise so that the important components are not obscured.<\/p>\n

4. Create a Culture of Compliance:
\n– Policies can assist in creating a culture of compliance.<\/p>\n

5. Stay up to Date:
\n– Policies need to convey the current governance body. They should be reviewed and updated at least annually.<\/p>\n

6. Content is Key:
\n– Include a Policy Statement, Specific Goals, Oversight Authority, Exceptions, and the Impacted Business Unit.<\/p>\n

7. Establish Accountability:
\n– Accountability is the bedrock of an effective policy. Name who is responsible for implementing and acting as the policy lead.<\/p>\n

Reference: ABA Bank Compliance \/ March \u2013 April 2021 \/ Perspective by Michael Berman \/ Pages 34-35<\/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=”Regulatory Question and Answer”][vc_column_text css=”.vc_custom_1617784338769{padding-bottom: 0px !important;}”]\n

Question: Regulations During Emergency Procedures<\/strong><\/h6>\n

May a Branch post a general notice regarding the Regulation CC exceptions to the fund\u2019s availability schedule in the event of an emergency?<\/p>\n

Answer:<\/strong> Regulation CC requires financial institutions to provide notices about an exception hold based on emergency conditions in a \u201creasonable<\/strong> form and within a reasonable<\/strong> time given the circumstances.\u201d<\/p>\n

Comment 4a to that section offers the example of a bank experiencing a weather or power outage emergency that affects its own operation, in which case \u201cit may be reasonable for the depositary bank to provide a general notice to all depositors via posting at branches and ATM\u2019s, or through other forms of media.\u201d<\/p>\n

No notice is required if the funds subject to the exception become available before the notice must be sent.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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