Lending

INTRODUCTION

BANK OWNED STOCK LOANS

BANK PERSONAL LOAN SERVICE COSTS

BANK SET-OFF

CARES ACT - PAYCHECK PROTECTION PROGRAM

CFPB - FAIR CREDIT REPORTING ACT POLICIES AND PROCEDURES

CORE LENDING PRINCIPLES FOR SHORT-TERM, SMALL-DOLLAR INSTALLMENT LENDING

CREDIT EXPOSURE ARISING FROM DERIVATIVE AND SECURITIES-FINANCING TRANSACTIONS (STATE CHARTERED BANKS)

CREDIT REPORTS: FAIR CREDIT REPORTING ACT

CREDIT REPORTS FOR EMPLOYMENT PURPOSES: FAIR CREDIT REPORTING ACT

DEBT CANCELLATION CONTRACTS AND DEBT SUSPENSION AGREEMENTS

EFFECTIVE RISK MANAGEMENT PRACTICES FOR PURCHASED LOANS AND PURCHASED LOAN PARTICIPATIONS

EQUAL CREDIT OPPORTUNITY ACT - DISCLOSURE AND DELIVERY REQUIREMENTS FOR COPIES OF APPRAISALS AND OTHER WRITTEN VALUTATIONS

EQUAL CREDIT OPPORTUNITY ACT - SPECIAL PURPOSE CREDIT PROGRAMS

EQUAL CREDIT OPPORTUNITY ACT - REGULATION B - ARTIFICIAL INTELLIGENCE

FACT ACT

          FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 (“FACT” ACT) -
          EFFECTIVE DATES

          FACT ACT - ACCURACY AND INTEGRITY OF INFORMATION FURNISHED
          TO CONSUMER REPORTING AGENCIES

          FACT ACT - CREDIT SCORE DISCLOSURE FOR HOME LOAN APPLICANTS

          FACT ACT - DUTY TO PROVIDE INFORMATION TO IDENTITY THEFT VICTIMS

          FACT ACT - FAIR CREDIT REPORTING ACT - RISK-BASED PRICING NOTICES

          FACT ACT - FRAUD AND ACTIVE DUTY ALERTS

          FACT ACT - FREE CREDIT REPORTS

          FACT ACT - INFORMATION BLOCKING AND REPOLLUTION PREVENTION

          FACT ACT - NEGATIVE INFORMATION NOTICES

          FACT ACT - PRESCREEN OPT-OUT NOTICE

          FACT ACT - PROTECTION OF MEDICAL INFORMATION

          FACT ACT - SAMPLE CREDIT SCORE DISCLOSURE NOTICE

          FACT ACT - SAMPLE NOTICE TO THE HOME LOAN APPLICANT

FAIR CREDIT REPORTING ACT: FINAL CREDIT SCORE DISCLOSURES RULES

FAIR LENDING JOINT POLICY STATEMENT

FAIR LENDING: SELF-TESTING COMPLIANCE PRIVILEGE

FDIC CLARIFIES SCOPE OF PAYDAY LENDING RULES

FDIC - DISCONTINUATION OF FORECLOSURE PROCEEDINGS

FDIC FINAL OVERDRAFT PAYMENT SUPERVISORY GUIDANCE

FDIC’S SUPERVISORY POLICY ON PREDATORY LENDING

FEDERAL LENDING LAWS AND REGULATIONS

FINANCIAL INSTITUTIONS ENCOURAGED TO WORK WITH STUDENT LOAN BORROWERS EXPERIENCING FINANCIAL DIFFICULTIES

GUARANTY AGREEMENTS

GUIDANCE ON DECISIONS TO ABANDON FORECLOSURE PROCEEDINGS

GUIDANCE ON PRIVATE STUDENT LOANS WITH GRADUATED REPAYMENT TERMS AT ORIGINATION

HOME EQUITY LINES OF CREDIT (“HELOC”)

HOME EQUITY LINES OF CREDIT NEARING THEIR END-OF-DRAW PERIODS

ILLUSTRATIONS OF CONSUMER INFORMATION FOR NONTRADITIONAL MORTGAGE PRODUCTS

ILLUSTRATIONS OF CONSUMER INFORMATION FOR SUBPRIME MORTGAGE LENDING

INCREASED FOCUS ON LIBOR TRANSITION PREPAREDNESS

INSTALLMENT LOAN PROCEDURES

INTERAGENCY LENDING PRINCIPLES FOR OFFERING RESPONSIBLE SMALL-DOLLAR LOANS

INTERAGENCY POLICY STATEMENT ON DOCUMENTATION OF LOANS

INTERAGENCY STATEMENT ON FAIR LENDING COMPLIANCE AND THE ABILITY-TO-REPAY AND QUALIFIED MORTGAGE STANDARDS RULE

INTERAGENCY STATEMENT ON LENDING TO CREDITWORTHY SMALL BUSINESSES

INTERAGENCY STATEMENT ON SUPERVISORY APPROACH FOR QUALIFIED AND NON-QUALIFIED MORTGAGE LOANS

INTEREST EXCLUSION ON LOANS SECURED BY RURAL OR AGRICULTURAL REAL PROPERTY

INTERNAL REVENUE SERVICE: BANK REPORTING REQUIREMENTS

INTERNAL REVENUE SERVICE: TAX LEVIES AND BANK SET-OFF

INVESTIGATING CREDIT REPORT DISPUTES

LENDING: AGE OF MAJORITY

LENDING LIMITS - CREDIT EXPOSURE FROM DERIVATIVES (NATIONAL BANKS AND SAVINGS ASSOCIATIONS)

LENDING LIMITS FOR STATE AND NATIONAL BANKS

LENDING TO A LIMITED LIABILITY COMPANY

LIMITATIONS ON INTEREST CHARGED (USURY)

       QUICK SUMMARY OF NEBRASKA USURY RATES

LOAN PARTICIPATIONS

LOANS TO INSIDERS: NEBRASKA STATE LAW

LOANS TO INSIDERS: REGULATION O

MILITARY LENDING ACT - DOD INTERPRETIVE RULE

MINIMUM CHARGE IN LIEU OF INTEREST

MONITORING THE USE OF FUNDING FROM FEDERAL FINANCIAL STABILITY AND GUARANTEE PROGRAMS

MORTGAGE SERVICING PRACTICE CONCERNING MILITARY HOMEOWNERS WITH PERMANENT CHANGE OF STATION ORDERS

NEBRASKA CONSUMER CREDIT DEFAULT PROCEDURES: RIGHT TO CURE

NEBRASKA FARM MEDIATION ACT: VOLUNTARY MEDIATION NOTICE

NEBRASKA UNIFORM LIMITED LIABILITY COMPANY ACT

NONTRADITIONAL MORTGAGE PRODUCTS

OCC - DEBT COLLECTION AND DEBT SALES ACTIVITY (NATIONAL BANKS AND FEDERAL SAVINGS ASSOCIATIONS)

OCC SPECIAL LENDING LIMITS PROGRAM (REAL ESTATE – SMALL BUSINESS – SMALL FARM LOANS)

OPTING OUT OF EXECUTIVE OFFICER LICENSING REQUIREMENTS

OVERDRAFT FEES FOR AUTHORIZE POSITIVE, SETTLE NEGATIVE TRANSACTIONS-FDIC SUPERVISORY GUIDANCE

OVERDRAFT PROTECTION PROGRAMS: FFIEC GUIDANCE

OVERDRAFT PROTECTION PROGRAMS: RISK MANAGEMENT PRACTICES-OCC

PAYDAY LENDING ACT– LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS

REDUCING OR SUSPENDING HOME EQUITY LINES OF CREDIT (SUGGESTED BEST PRACTICES)

REFINANCINGS AND REGULATION Z

REGULATION AA UNFAIR CREDIT CONTRACT PROVISIONS

       REPEAL OF REGULATION AA - INTERAGENCY GUIDANCE REGARDING UNFAIR
       OR DECEPTIVE CREDIT PRACTICES

       UNFAIR LATE CHARGES PROHIBITED LATE CHARGE CHART

REGULATION B

          REGULATION B

          REGULATION B: DOS AND DONTS

          REGULATION B - DISCRIMINATION BASED ON SEXUAL ORIENTATION AND
          GENDER IDENTITY

          REGULATION B: ETHNICITY AND RACE INFORMATION COLLECTION

          REGULATION B: JOINT CREDIT REPORTS

          REGULATION B: ORAL V. WRITTEN APPLICATION ISSUES

          REGULATION B: SECTION 8 HOUSING CHOICE VOUCHER HOMEOWNERSHIP
          PROGRAM

          REGULATION B: SOCIAL SECURITY DISABILITY INCOME VERIFICATION

          REGULATION B: SPOUSAL SIGNATURES

          REGULATION B: SUGGESTED FAIR LENDING ACTIVITIES

          REGULATION B (EQUAL CREDIT OPPORTUNITY ACT): BUSINESS, COMMERCIAL
          OR AGRICULTURAL CREDIT

REGULATION O: “GRANDFATHERED” LOANS

REGULATION Z

          REGULATION Z: CONSUMER LOANS (INCREASE IN THRESHOLD)

          REGULATION Z: RIGHT OF RESCISSION

          REGULATION Z SINGLE-DOCUMENT DISCLOSURES: CLOSED-END CREDIT

          REGULATION Z (TRUTH IN LENDING): 2021 JUNETEENTH HOLIDAY - IMPACT
          ON CERTAIN CLOSED-END MORTGAGE REQUIREMENTS

          REGULATION Z (TRUTH IN LENDING): CONSUMER PROTECTIONS

          REGULATION Z (TRUTH IN LENDING): NOTICE OF SALE OR TRANSFER OF
          MORTGAGE LOANS

          REGULATION Z (TRUTH IN LENDING): PRIVATE EDUCATION LOANS

          REGULATION Z (TRUTH IN LENDING): SUMMARY

RETAIL LENDING: RISK MANAGEMENT OF 'BUY NOW, PAY LATER' LENDING

REVISIONS TO CREDIT REPORTS

“RULE OF 78’s” RESTRICTIONS AND STATEMENTS OF PREPAYMENT AMOUNT

SAFE ACT COMPLIANCE

SAFE ACT – REGISTRATION OF RESIDENTIAL MORTGAGE LOAN ORIGINATORS

SBA DISASTER LOAN ASSISTANCE – ECONOMIC INJURY DISASTER LOANS (EIDLs)

SBA'S EXPRESS BRIDGE LOAN PILOT PROGRAM

SERVICEMEMBERS CIVIL RELIEF ACT

SMALL BUSINESS & SMALL FARM LOAN REPORTING

STATEMENT ON DEPOSIT ADVANCE PRODUCTS

STATEMENT ON LOSS MITIGATION STRATEGIES FOR SERVICERS OF RESIDENTIAL MORTGAGES

SUBPRIME MORTGAGE LENDING GUIDANCE

TAXPAYER FIRST ACT-DISCLOSURE TO THIRD PARTIES

TITLED VEHICLE AND MOTORBOAT LOAN PROCEDURES

TRUTH IN LENDING ACT – CREDIT CARD ACT

USE OF ALTERNATIVE DATA IN CREDIT UNDERWRITING

'VALID WHEN MADE' - OCC 'TRUE LENDER' FINAL RULE

'VALID WHEN MADE' PRINCIPLE UPHELD

WORKING WITH RESIDENTIAL BORROWERS: FDIC ENCOURAGES INSTITUTIONS TO CONSIDER WORKOUT ARRANGEMENTS FOR BORROWERS UNABLE TO MAKE MORTGAGE PAYMENTS

WRITTEN CREDIT AGREEMENTS

WRITTEN CREDIT AGREEMENTS STATUTE OF FRAUDS