{"id":1421,"date":"2023-03-28T09:46:46","date_gmt":"2023-03-28T15:46:46","guid":{"rendered":"https:\/\/avalaunchsites.com\/bma\/?p=1421"},"modified":"2023-03-28T10:27:58","modified_gmt":"2023-03-28T16:27:58","slug":"emerging-bank-call-report-changes-march-2023","status":"publish","type":"post","link":"https:\/\/avalaunchsites.com\/bma\/2023\/03\/emerging-bank-call-report-changes-march-2023\/","title":{"rendered":"Emerging Bank Call Report Changes &#8211; March 2023"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][nectar_gradient_text heading_tag=&#8221;h2&#8243; color=&#8221;extra-color-gradient-2&#8243; gradient_direction=&#8221;diagonal&#8221; text=&#8221;Emerging Issues&#8221;][vc_column_text css=&#8221;.vc_custom_1680017802109{padding-bottom: 0px !important;}&#8221;]\n<h3>Bank Call Report<\/h3>\n<p>The FFIEC has proposed several changes to the Bank Call Report that would become effective with the 06\/30\/2023 filing.[\/vc_column_text]<div class=\"nectar-fancy-ul\" data-list-icon=\"dot\" data-animation=\"false\" data-animation-delay=\"0\" data-spacing=\"default\" data-alignment=\"left\"> \n<ul>\n<li style=\"font-weight: 500;\" aria-level=\"1\">Schedule RI \u2013 Income Statement\n<ul>\n<li aria-level=\"1\">Non cash Income from negative Amortization on Closed-End Loans Secured by 1-4 Family Residential Properties \u2013 this would be deleted<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 500;\" aria-level=\"1\">Schedule RC-C, Part I \u2013 Loans and Leases<\/li>\n<\/ul>\n <\/div>[vc_column_text css=&#8221;.vc_custom_1680017941290{padding-bottom: 0px !important;}&#8221;]<strong>Reverse Mortgages<\/strong> \u2013 the detailed line items for \u201cHome Equity Conversion Mortgage (HECM) Reverse Mortgages\u201d and \u201cProprietary Reverse Mortgages\u201d would be combined into single line items as follows:[\/vc_column_text]<div class=\"nectar-fancy-ul\" data-list-icon=\"dot\" data-animation=\"false\" data-animation-delay=\"0\" data-spacing=\"default\" data-alignment=\"left\"> \n<ul>\n<li style=\"font-weight: 500;\" aria-level=\"1\">Reverse Mortgages Outstanding That Are Held For Investment [15(a)] \u2013 this would include the information that was previously reported on 15(a)(1) and 15(a)(2).<\/li>\n<li aria-level=\"1\">Estimated Number Of Reverse Mortgage Loan Referrals To Other Lenders During The Year From Whom Compensation Has Been Received For Services Performed In Connection With The Origination Of The Reverse Mortgages. [15(b)] \u2013 this would include the information that was previously reported on 15(b)(1) and 15(b)(2).<\/li>\n<li aria-level=\"1\">Principal Amount Of Reverse Mortgage Originations That Have Been Sold During The Year. [15(c)] \u2013 this would include the information that was previously reported on 15(c)(1) and 15(c)(2).<\/li>\n<\/ul>\n <\/div>[vc_column_text css=&#8221;.vc_custom_1680018304307{padding-bottom: 0px !important;}&#8221;]<span style=\"font-weight: 900;\">Schedule RC-F \u2013 Other Assets<br \/>\n<\/span>FDIC Loss &#8211; Sharing Indemnification Assets [Item RC-F-6(d)] \u2013 this would be deleted.<\/p>\n<p><span style=\"font-weight: 900;\">Schedule RC-N \u2013 Past Due &amp; Nonaccrual Loans, Leases, &amp; Other Assets<br \/>\n<\/span>Loans &amp; Leases Reported In Items 1 Through 8 Above That Are Covered By Loss- Sharing Agreements With The FDIC [Item RC-N-12] \u2013 this would be deleted along with sub-items 12(a)(1)(a) through 12(f).<\/p>\n<p><strong>Other Schedules that may have updates and Comment Deadline<br \/>\n<\/strong>RC \u2013 M Memoranda<br \/>\nSU \u2013 Supplemental Information<\/p>\n<p><i><span style=\"font-weight: 900;\">Comment Deadline \u2013 April 24, 2023<\/span><\/i><\/p>\n<p><em>Reference: Federal Register: February 21, 2023; pp. 10644-10649<\/em>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; css=&#8221;.vc_custom_1675960185212{margin-bottom: 0px !important;}&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][nectar_gradient_text heading_tag=&#8221;h2&#8243; color=&#8221;extra-color-gradient-2&#8243; gradient_direction=&#8221;diagonal&#8221; text=&#8221;Compliance Questions &amp; Answers&#8221;][vc_column_text css=&#8221;.vc_custom_1680018351690{margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;]\n<h3><span style=\"font-weight: 900;\">Question \/ EFTA<\/span><\/h3>\n<p>Does Regulation E require an error resolution log to be kept for tracking the date, amounts\/liabilities, etc.?<\/p>\n<h3>Answer.<\/h3>\n<p>Keeping a log or spreadsheet is not specifically required by the regulation. However, Regulation E does require financial institutions to maintain some record of their compliance with its provisions. In addition, when auditors or examiners review an institutions Regulation E compliance, they usually ask for the log or other record of the Regulation E error resolution process.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; 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