Understanding ppdocs requires examining multiple perspectives and considerations. Late Charges - Consumer and Commercial | For Bankers. I am trying to find a chart that outlines allowable late fees for consumer and commercial loans - real estate and non-real estate. I have pulled in what IBAT has and what is on PPDocs, and I have confused myself even more when looking at TFC chap 346, 342, 303, and so on. CRA Data Entry Software 2025?
If I missed this in another thread I apologize, but does anyone know when the 2025 CRA Data Entry Software will be available for download? It's important to note that, this usually is available in March, and I would like to get my stack of loan/mortgages entered in and filed away. Thank you for any information you c...
CTR for wife and husband | For Bankers. We have a customer that w/d over $10,000. She also deposit a check made payable to her husband with cash back.
Should the husband's cash back be included on the CTR. OFAC Extension of Retention from 5 to 10 years. I'm looking for the guidance that shows the graduated record retention requirements during the period between March 2025 and March 2030. I remember seeing something back when the final rule was published but I can't find it now.
I'm looking for how it was worded to update policy documents. Construction Only - ATR /QM | For Bankers. ATR QM rule does not apply to Construction loans of 12 months or less. On a 12 month construction only loan with monthly interest only payments and a balloon payment due in month 12, how is the 12 month term being measured?
This is a question for those of you who currently do constructio... H-9 VS H-8 Model Form | For Bankers. Lender used the incorrect model form- Notice of Right to Cancel. They should have used H-8 but they used H-9.
QC is citing as a high/major deficiency. I thought this was a low level deficiency-(?)- If the lender re-opens rescission with the correct Model Form that should resolve the ... Joint intent - Entity + Guarantor | For Bankers. How do you handle commercial lenders + joint intent.
I understand that Reg. B requires joint intent when a guarantor applies contemporaneously with an entity. It's a battle to try to get lenders to document this. Do most of you actually get joint intent in this situation?
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