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Bank Policies & Procedures: E-Sign Act Policy
The E-Sign Act provides a general rule of validity for electronic records and signatures for transactions in or affecting interstate or foreign commerce. E-Sign allows the use of electronic records...
Bank Policies & Procedures: Emergency Preparedness/Disaster Recovery (PLM-151)
Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing.
Bank Policies & Procedures: Fair Lending (PLC-177)
Establishes fair lending activities, including taking loan applications, telephone inquiries, advertising, and credit evaluation standards. Also covers loan decisions, notifications, and adverse...
Bank Policies & Procedures: Fair Credit Reporting Act (PLC-115)
Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists.
Bank Policies & Procedures: Fair Debt Collection Act (PLC-117)
Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications.
Bank Policies & Procedures: FDIC Signage & Advertisement Requirements (PLC-344)
The FDIC has recently updated the requirements regarding FDIC insurance. As part of that update, all FDIC-insured institutions must have a policy regarding these FDIC requirements. Streamline...
Bank Policies & Procedures: Fixed Asset Management (PLM-222)
Describes the responsibilities and processes utilized in the management of the bank's building, fixtures, furniture, and equipment.
Bank Policies & Procedures: Holding Company (PLM-225)
Sets forth the underlying philosophy and structure for all relationships and transactions between the bank and the holding company.
Bank Policies & Procedures: Flood Insurance (PLC-123)
Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures.
Bank Policies & Procedures: Funds Management (PLM-097)
Designed to ensure that the bank is managed to provide adequate liquidity and a satisfactory and consistent level of profit within suitable interest rate risk constraints.
Bank Policies & Procedures: Home Equity Lending (PLL-236)
Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and...
Bank Policies & Procedures: Home Mortgage Disclosure Act Reporting (PLC-119)
Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.
Bank Policies & Procedures: I.T Asset Lifecycle Policy (PLM-330)
Establishes lifecycles for the hardware and software that is used within the bank as defined by the manufacturer or determined by the bank, identified by the manufacturer's plans for providing...
Bank Policies & Procedures: Identity Theft Prevention Policy (Red Flag) (PLC-224)
Provides guidance regarding the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and education of bank staff and customers. This policy includes the...
Bank Policies & Procedures: Human Resources (PLM-184)
Provides management with a clear understanding of what the bank expects from its employees and, in turn, what employees can expect from the bank. Covers equal employment opportunity, employee...
Bank Policies & Procedures: Information Security Program Policy (PLM-252)
This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information.
Bank Policies & Procedures: Incident Response Plan (PLM-250)
Lays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes an Incident Response policy, steps to take for specific types of incidents, a...
Bank Policies & Procedures: Internal and External Audit (PLM-085)
Designed to assist board members with their audit responsibilities. Includes audit function structure and committee meetings, technical duties, compliance, filing audit reports, roles and...
Bank Policies & Procedures: Insider and Affiliate Credit (PLC-075)
For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates.
Bank Policies & Procedures: Interest Rate Risk (PLM-095)
Establishes the guidelines to ensure that the bank is managed to recognize, measure, and control interest rate risk by setting risk limits, strategies, and reporting formats. Updated to reflect the...