library_books Quick Reference Guides

Complete Quick Reference Guide Set for Credit Unions

Because you may not know which regulatory guide is right for your organization, we are pleased to now offer a complete set of our comprehensive regulatory guides for only $410 - a cost savings of $70 for the entire set. Of course, you can still order individual guides at any time.

Consumer Complaints and Information Requests

Are you struggling with your complaints and inquiries management? Do you sometimes feel like you don’t know where to even begin? Bring an end to your struggles with our handy new quick reference guide on Consumer Complaints and Inquiries. Our expert staff has gathered all the information you need in one place, so you won't get bogged down with all the regulatory requirements for the various consumer complaint mechanisms.

Credit Card Billing

Confused by the Credit CARD Act’s billing requirements for credit cards? This guide simplifies the billing requirements for credit cards including the timing for delivery of periodic statements, how to impose over-the-limit fees, and a checklist for your conforming payments notice. This guide only applies to credit cards, and not to open-end lines of credit that are overdraft lines of credit or dwelling secured lines of credit.

Currency Transaction Reporting Exemptions

Are you unclear about who you can and cannot exempt from Currency Transaction Reports (CTRs)? Do you need additional direction on the exemption process - from initial exemption to ongoing review? This Quick Reference Guide is an invaluable tool for your BSA, compliance, audit, and operations departments. Our short, easy to follow guide on Currency Transaction Reporting Phase I and II exemptions will answer any exemption questions you may have.

Customer Due Diligence Guide to the Beneficial Ownership Rules

In this short guide, we share relevant definitions and control and ownership prong examples. We also outline the principal steps a financial institution must take to comply with the new rules.

Deposit Account Disclosures

No Customer Service Representative should be without the Deposit Account Disclosure Quick Reference Guide! What are the disclosure requirements for deposit account opening?

E-SIGN Act

This concise document de-mystifies the required disclosures to the consumer, delineates exclusions from the Electronic Signatures in Global and National Commerce Act (E-Sign Act), along with a number of other considerations that an institution must take into account.

Fair Debt Collection Practices Act

Think the FDCPA does not apply to you? Think again! Technically, the FDCPA only applies to third party debt collectors, so it is often overlooked by most financial institutions that collect their own debt. The Consumer Financial Protection Bureau (CFPB) issued CFPB Bulletin 2013-07 "Prohibition of Unfair, Deceptive or Abusive Acts or Practices in the Collection of Consumer Debts" which appears to expand the coverage, via Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), of portions of the conduct restrictions of the FDCPA to financial institutions collecting their own debt.

FDIC Insurance

With the continuing changes in FDIC insurance rules from Congress and the FDIC, explaining FDIC insurance to staff and customers can be challenging. This succinct, easy to use guide makes understanding and explaining FDIC insurance a cinch and is a must-have for every teller and customer service representative.

Finance Charges

It can be difficult to know what charges are considered finance charges for Regulation Z purposes. But did you know that some common charges, like credit report fees, may in fact be finance charges, depending on the nature of your transaction? Our short, easy-to-use flowchart is the simplest way to accurately identify finance charges, and will be an invaluable tool for every member of your loan, compliance and internal audit departments.