K·Coe Insights: Posts from category

Community Banks

Action Required for Regulation CC Changes in 2020

By K·Coe Editorial | February 25, 2020

Reading Time: 3 minutes Time’s Up for Old Reg: What’s Changing and Why Regulations, like old computers or cell phones, can become out of date or require updating.  Regulation CC (12 CFR 229), as originally executed, implements the Expedited Funds Availability Act (EFA Act), which was enacted in August 1987 and became effective September …

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HMDA – Confidence that you are “Getting it Right” in 2020

By K·Coe Editorial | January 8, 2020

Reading Time: 2 minutes Having to perform a “regulator mandated” Home Mortgage Disclosure Act (HMDA) resubmission is hard work. And, if you don’t put the work in before you submit your Loan Application Register (LAR), you may get the opportunity to do just that anyways. As we begin the New Year and wrap up …

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Flood Violations Surge for Banks: Continued Lack of Compliance to Blame

By K·Coe Editorial | November 24, 2019

Reading Time: 2 minutes With thousands of dollars at stake per violation, banks need to be sure they have processes in place to insure flood compliance.  This continues to be a hot topic with the examiners and we continue to find violations as we perform testing for community banks.  With the National Flood Insurance …

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Scary Scams

By K·Coe Editorial | October 7, 2019

Reading Time: 3 minutes October brings promise of candy corn, bright orange pumpkins, and trick-or-treaters delivering happy fright on Halloween night.  October also symbolizes the month to recognize another type of fright – perhaps the most monstrous fright lurking and circling your business:  the attack of the cyber criminals. This very real threat is …

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