{"id":1224,"date":"2021-06-24T16:03:51","date_gmt":"2021-06-24T22:03:51","guid":{"rendered":"https:\/\/avalaunchsites.com\/bma\/?p=1224"},"modified":"2021-07-15T11:24:50","modified_gmt":"2021-07-15T17:24:50","slug":"compliance-update-june-2021","status":"publish","type":"post","link":"https:\/\/avalaunchsites.com\/bma\/2021\/06\/compliance-update-june-2021\/","title":{"rendered":"Compliance Update \u2013 June 2021"},"content":{"rendered":"[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_gradient_text heading_tag=”h2″ color=”extra-color-gradient-2″ gradient_direction=”diagonal” text=”Bank Call Report”][vc_column_text css=”.vc_custom_1626369881847{padding-bottom: 0px !important;}”]\n

The Federal Financial Institutions Examination Council (FFIEC) has announced that it will <\/i><\/b><\/span>proceed with two sets of proposed Bank Call Report changes. One set impact Schedule RC-O and the other set impacts RC-E.<\/span><\/p>\n

Schedule RC-O<\/span><\/strong><\/h4>\n

The following new item will be added to Schedule RC-O (Other Data for\u00a0<\/span>Deposit Insurance Assessments) in the FFIEC 031 and FFIEC 041 Call Reports.<\/p>\n

New Memo Item 5<\/i><\/span><\/strong>:<\/strong> This will allow the applicable portion of the CECL transitional amount or modified CECL transitional amount that has been added to retained earnings for regulatory capital purposes.\u00a0<\/span><\/i><\/p>\n

This new item will be reported by large and highly complex institutions that have adopted Accounting Standards Update 2016-13 and reported have a CECL transition election in effect as of the quarter-end report date.<\/p>\n

Schedule RC-E<\/strong><\/h4>\n

The following new items will be added to Schedule RC-E in all versions of the Call Report:<\/p>\n

    \n
  • Fully Insured, Affiliate Sweep Deposits (New Memo Item 1(h)(1)<\/li>\n
  • Not Fully Insured, Affiliate Sweep Deposits (New Memo Item 1(h)(2)<\/li>\n
  • Fully Insured, Non-Affiliate Sweep Deposits (New Memo Item 1(h)(3)<\/li>\n
  • Not Fully Insured, Non-Affiliate Sweep Deposits (New Memo Item 1(h)(4)<\/li>\n
  • Total Sweep Deposits that are not Brokered Deposits (New Memo Item 1(i)<\/li>\n<\/ul>\n

    These new items will be reported quarterly on the FFIEC 031 and FFICE 041 report forms, and semi-annually on the FFIEC 051 form.<\/p>\n

    In addition, there will be additional new items added to the Schedule RC-E in the FFIEC 031 Call Report only. See the reference for this additional information.<\/p>\n

    Reference: Federal Register; May 24,2021; pp. 27961-27966<\/i><\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][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_1624571883733{padding-bottom: 0px !important;}”]\n

    Question: Can a Bank Charge a late fee if a borrower does not pay an existing late fee?<\/b><\/span><\/h3>\n

    Answer: <\/strong>No.<\/i><\/b> You cannot charge a late fee for a late fee. This is called pyramiding of late fees and is prohibited in the servicing practices section of Regulation Z 1026.36(c)(2).<\/p>\n

    Reference: 12 CFR 1026.36(c)(2).<\/i><\/p>\n[\/vc_column_text][divider line_type=”No Line” custom_height=”10″][vc_column_text css=”.vc_custom_1624571939172{padding-bottom: 0px !important;}”]\n

    Question: Does the phrase Annual Percentage Rate need to be explained in the advertisement?<\/b><\/span><\/h3>\n

    Answer: <\/strong>No<\/i><\/b>. The term annual percentage rate needs to be used, but it is not required to be explained. While Regulation Z advertising requirements states that the abbreviation APR may be used, a common practice has been to use the term first and then the abbreviation in the same advertisement.<\/p>\n

    Reference: Regulation Z 12 CFR 1024.24(c)<\/i><\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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