ACH Originator Training Document
Enable banks to provide an annual training document to their Originators. It includes the topics ACH Originators should know such as key terms, initiating entries, exposure limits, same day ACH rules, return reason codes, etc., and also includes the current year updates as well as changes coming in the near future. This document also helps banks meet the expectation to train the Originators on their responsibilities. Cost: $100
ACH Risk Assessment Template
This template is intended to be used as a guide for developing the bank’s individual ACH Risk Assessment. Information contained in this template is based on 2022 Nacha Operating Rules & Guidelines but should be customized based on the most recent guidance and regulatory requirements. This document includes separate worksheets for various risks such as fraud, operational, credit, legal/compliance, reputation, strategic, etc., with a summary page to reflect the bank’s overall ACH risk. Cost $200.
Consumer Handbook on Adjustable-Rate Mortgages (CHARM) booklet
Informational booklet containing general information on Adjustable Rate Mortgages (ARMs) that is provided by the lender to the loan applicant at the time of application for certain adjustable mortgages as required by RESPA and Reg. Z.
This printed-and-bound manual covers the regulatory and statutory considerations for banks subject to the Home Mortgage Disclosure Act (HMDA). The materials contain institutional and transaction coverage requirements and exclusions, reportable activity, applicant demographic data collection, and details related to specific data points. The manual also includes information related to disclosure and reporting of HMDA data and other helpful resources. Cost $100 each.
Home Loan Took Kit
Information booklet provided within three business days of application containing information related to the purchase of a consumer’s primary residence including how much the borrower can afford, questions to ask the lender, and features worksheets and checklists to fill out during the home buying process. Booklet is required by Reg. Z.
Iowa Deposit Documentation Manual
This printed and bound manual covers the regulatory and statutory considerations for opening consumer and commercial deposit accounts. The materials contain summaries and analysis of Iowa banking law and federal regulations and includes reference materials and other articles to assist banks in developing their account opening procedures. Cost $100 each
Sample Beneficial Ownership Procedures
This word document helps banks meet the requirements under the Bank Secrecy Act related to Beneficial Ownership of Legal Entity Customers. The BSA requires banks to create, maintain and update procedures related to these requirements. This document contains fields that require customization based on the bank’s current procedures and processes. Cost $100
This printed-and-bound manual contains a detailed summary of the final rule, addressing the scope of the rule, disclosure timing requirements, when redisclosure is permitted and required, as well as a section-by-section instructions for completing the Loan Estimate and Closing Disclosure. The manual also contains example disclosures for a fixed rate and balloon payment loan product.
What You Should Know about Home Equity Lines of Credit (HELOC) booklet
Information booklet provided at time of application to assist consumers in understanding the terms and costs related to a home equity line of credit plan when their home is used as collateral. Booklet is required by Reg. Z
Written Statement of Unauthorized Debit (WSUD)
This fillable PDF document can be completed for bank customers who identify unauthorized, ineligible or improper debits or debits for which authorization has been revoked in their accounts to initiate the process of reversing the entry. Cost $50
Send completed PDF order form to email@example.com. The Bank will be billed separately for these orders.