{"id":911,"date":"2020-02-01T12:00:35","date_gmt":"2020-02-01T19:00:35","guid":{"rendered":"https:\/\/avalaunchsites.com\/bma\/?p=911"},"modified":"2020-09-17T12:46:27","modified_gmt":"2020-09-17T18:46:27","slug":"compliance-update-february-2020","status":"publish","type":"post","link":"https:\/\/avalaunchsites.com\/bma\/2020\/02\/compliance-update-february-2020\/","title":{"rendered":"Compliance Update \u2013 February 2020"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; overlay_strength=&#8221;0.3&#8243; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; overlay_strength=&#8221;0.3&#8243; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#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; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; overlay_strength=&#8221;0.3&#8243; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][nectar_gradient_text heading_tag=&#8221;h2&#8243; color=&#8221;extra-color-gradient-2&#8243; gradient_direction=&#8221;diagonal&#8221; text=&#8221;Regulatory Questions and Answers: 3rd Party Insurance Vendor&#8221;][vc_column_text]<strong>Question<\/strong><br \/>\nAs a Bank, you have an arrangement with an insurance company to offer homeowner\u2019s insurance to borrowers that have received a mortgage. Do you need to provide a <span style=\"text-decoration: underline;\"><strong>privacy opt out notice<\/strong><\/span> regarding the insurance company or can the bank get consent?<\/p>\n<p><strong>Answer<\/strong><br \/>\nSection 1016.15 of Regulation P provides the following information; an opt out notice is <span style=\"text-decoration: underline;\"><strong>not required<\/strong><\/span> with regard to obtaining a consumer\u2019s consent. You will also want to look at other considerations which may include:<\/p>\n<ul>\n<li>Verify with your third-party contract to verify your bank\u2019s expectations of privacy<\/li>\n<li>Vendors handling of nonpublic information and\/or the type of information the insurance company receives<\/li>\n<li>Be aware of regulatory additional requirements, i.e. RESPA<\/li>\n<\/ul>\n<p><strong>Reference:<\/strong> Regulation P: 12 CFR 1016.15[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#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; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; overlay_strength=&#8221;0.3&#8243; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][nectar_gradient_text heading_tag=&#8221;h2&#8243; color=&#8221;extra-color-gradient-2&#8243; gradient_direction=&#8221;diagonal&#8221; text=&#8221;Regulatory Questions and Answers: Risk Based Pricing &amp; Products&#8221;][vc_column_text]<strong>Question<\/strong><br \/>\nAre risk-based pricing and risk based pricing products applicable to fair lending?<\/p>\n<p><strong>Answer<\/strong><br \/>\nRegulation B does apply to all credit including consumer, commercial both business and agricultural.\u00a0 Risk based pricing \u2013 without clear adjustments for various risk factors, creative underwriting, and no formal application processes often exist in commercial lending departments and present significant risk challenges for effective fair lending monitoring by banks.<\/p>\n<p><strong>Reference:<\/strong> 12 CFR 1002.2(f) and (g); New York Region Fair Lending Banker Call Transcript, July 17, 2013.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#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; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; overlay_strength=&#8221;0.3&#8243; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][nectar_gradient_text heading_tag=&#8221;h2&#8243; color=&#8221;extra-color-gradient-2&#8243; gradient_direction=&#8221;diagonal&#8221; text=&#8221;Emerging Regulatory Issue: OCC on Leveraged Lending&#8221;][vc_column_text]One of the nation\u2019s top banking regulators is discussing the risk of leveraged lending with bank boards and management, as questions loom over how vulnerable the economy is concerning risky corporate loans.<\/p>\n<p>In a semiannual report of risk in the banking industry released Monday, January 17th. The Office of the Comptroller of the Currency said it is challenging banks to evaluate the \u201c<em>potential effect on the financial system from originating and distributing weakly underwritten loans to leveraged borrowers.<\/em>\u201d<\/p>\n<p>Leveraged loans, which are large sums of money lent to corporate borrowers with poor credit ratings, have been cited as a possible risk to the financial system in recent years.<\/p>\n<p>The loans themselves are packaged into collateralized loan obligations that are carved up and bought by institutional investors, raising memories of the subprime consumer loans and mortgage-backed securities that brought the economy to its knees in 2007 and 2008.<\/p>\n<p>The head of the OCC, Joseph Otting, has said in the past that banks should have the right to\u00a0\u201c<em>do what they want\u201d with leveraged loans, as long as it does not affect their safety and soundness.<\/em>\u201d<\/p>\n<p>Still, the OCC is advising banks to understand their relationships in the leveraged loan market and the risks that those loans carry.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#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; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; overlay_strength=&#8221;0.3&#8243; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][nectar_gradient_text heading_tag=&#8221;h2&#8243; color=&#8221;extra-color-gradient-2&#8243; gradient_direction=&#8221;diagonal&#8221; text=&#8221;Emerging Regulatory Update: 2020 HMDA Guide&#8221;][vc_column_text]February 14, 2020: The Federal Financial Institutions Examination Council issued its 2020 Home Mortgage Disclosure Act reporting guide.<\/p>\n<p>The resource includes technical updates and is designed to help financial institutions better understand HMDA requirements, including data collection and reporting.<\/p>\n<p><a href=\"https:\/\/www.fdic.gov\/news\/news\/financial\/2020\/fil20009.html\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Access to the Guide<\/strong><\/a>[\/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; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; overlay_strength=&#8221;0.3&#8243; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; overlay_strength=&#8221;0.3&#8243; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243;&#8230;<\/p>\n","protected":false},"author":3,"featured_media":1089,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-911","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-compliance-security-updates"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Compliance Update \u2013 February 2020 - BMA<\/title>\n<meta name=\"description\" content=\"Compliance Update \u2013 February 2020. 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