MICHIGAN COMPLIANCE OFFICERS ASSOCIATION



|I. Welcome |

|II. Introductions |

|III. Discussion |

|AML |

| |HSBC Settlement |

| |OFAC SDN Tool |

| |FinCEN 2012 A011 |

| |FinCEN 2012 A012 |

| |FinCEN 2012 G005 |

| |Notice of Proposed Rulemaking: Definitions of Transmittal of Funds and Funds Transfer |

| |FBAR Filing Extension |

| |First Bank Civil Money Penalty |

|Lending |

| |NMLS Federal Registry Report 2012 – 3rd Quarter Report |

| |3rd Quarter State Licensing Report |

|Other |

| |US v. Community State Bank Consent Order |

| |Consolidated Reports of Condition and Income (Call Report) for Fourth Quarter 2012 |

| |Rental – Purchase Agreements |

| |FFIEC IT Booklet Supervision of Technology Service Providers |

| |HIPAA Rule |

| |JP Morgan Chase Board Review Committee Report: London Whale |

| |Social Media Guidance |

| |Supervision of Flood Insurance in Some Communities |

| |Top Ten Mortgage Website Issues Part 1 |

| |Top Ten Mortgage Website Issues Part 2 |

| |US v. Community State Bank |

| |Michigan Settlement with Mortgage Document Processor Over Robo-Signing |

| |California Foreclosure Requirements |

| |GAO: Agencies |

| |JP Morgan Chase Task Force Report: London Whale |

| |Proposed Recommendations Regarding Money Market Mutual Fund Reform |

|Regulatory Agencies |

| |CFPB |

| |Truth in Lending Proposal |

| |CFPB Bulletin on Servicing Transfers |

| |Access to Credit Report |

| |Ability to Repay Standards Under the Truth in Lending Act -- Proposal |

| |Statement on Servicing Rule |

| |Fair Credit Reporting Correction |

| |CFPB Escrow Requirements Rule: What it Means for Consumers |

| |CFPB Final Rule: High Cost Mortgages |

| |CFPB Final Rule: Loan Originator Compensation |

| |CFPB Final Rule: RESPA Servicing |

| |CFPB High Cost Mortgage Rule: What it Means for Consumers |

| |CFPB Loan Originator Compensation Rule |

| |CFPB Servicing Fact Sheet |

| |CFPB Servicing Rules Summary |

| |Ability-to-Repay and Qualified Mortgage Standards – Final Rule |

| |Senator Letter Regarding CFPB Structure |

| |Truth in Lending – Dollar Threshold |

| |Policy to Encourage Trial Disclosure Programs; Information Collection |

| |Summary of the Ability-to-Repay and Qualified Mortgage Rule |

| |Summary of Final ECOA Rule on Providing Appraisals and Valuations |

| |What the ECOA Appraisals Rule Means for the Consumers |

| |CFPB Final Rule: ECOA Appraisals |

| |Buyer Beware |

| |Truth in Lending Exam Procedures |

| |Request for Information Regarding Credit Card Markets |

| |Reg M Dollar Threshold |

| |White Paper for CFPB on Credit Reporting |

| |CFPB--DOJ Fair Lending Memorandum of Understanding |

| |CFPB Fair Lending Report |

| |ABA Staff Analysis: Ability-to-Repay and Qualified Mortgage Standards |

| |Escrow Requirements Under the Truth in Lending Act (Regulation Z); Final |

| |Consumer Financial Protection Bureau Issues Rule to Protect Consumers from Irresponsible |

| |Mortgage Lending |

| |CFPB Rule on Publishing Rules on Web Page |

| |Procedure Relating to Rulemaking |

| |Final Qualified Mortgage Standards |

| |Delayed Implementation of Certain New Mortgage Disclosures |

| |CFPB Supervisory Highlights Fall 2012 |

| |CFPB Generic Warning Letter Mortgage Advertising Older Americans |

| |CFPB Generic Warning Letter Mortgage Lending Veterans |

| |The FCRA |

| |Remittance Rule Implementation (Subpart B of Regulation E) |

| |The CFPB Ability to Repay / Qualified Mortgage Rule |

| |MBA Summary of Ability to Repay Rule |

| |Electronic Fund Transfers (Regulation E); Proposed Rule |

| |Remittance Rule Delay |

| |Protecting Consumers from Irresponsible Mortgage Lending |

| |FDIC |

| |Policy Statement on the Principles for Stress Tests |

| |FDIC – Community Banking Study |

| |Notice of Expiration: Temporary Unlimited Coverage |

| |FDIC Regulatory Calendar |

| |Supervisory Insights Journal |

| |Consolidated Reports of Condition and Income |

| |Modifications to Statement of Policy Section 19 |

| |FHFA |

| |2012 Third-Quarter Credit Supplement |

| |Maximum Conforming Loan Limits |

| |Selling Guide Announcement SEL-2013-01 |

| |Fannie Mae Reports Net Income of $1.8 Billion for Third Quarter 2012 |

| |FHFA and CFPB Partner on Development of National Mortgage Database |

| |FRB |

| |Rules of Practice for Hearings |

| |Comprehensive Capital Analysis |

| |Change in Control |

| |FedLine |

| |Supplemental Policy Statement on the Internal Audit Function and Its Outsourcing |

| |The Impact of House Prices on Consumer Credit |

| |The Properties on Income Risk in Privately Held Businesses |

| |Challenges in Housing and Mortgage Markets |

| |A Boost in the Paycheck: Survey Evidence on Workers’ Response to the 2011 Payroll Tax Cuts |

| |2013 Supervisory Scenarios |

| |Revised Interagency Examination Procedures for Regulation Z |

| |Do Rising Top Income Shares Affect the Incomes or Earnings of Low and Middle-Income Families? |

| |Estimates of the Size and Source of Price Declines Due to Nearby Foreclosures |

| |Reg W Interpretation |

| |Investing in Securities without Reliance on Nationally Recognized Statistical Rating |

| |Organization Ratings |

| |Consolidated Supervision Framework for Large Financial Institutions |

| |The Federal Reserve’s Large-Scale Asset Purchase Programs: Rationale and Effects |

| |Reminder Regarding Not Our Items and Changes to Associated Adjustments Processes |

| |Agencies Provide Guidance on Regulatory Capital Rulemakings |

| |FedLine |

| |Harness the Power Delivered with AMI Premium |

| |Consent Order |

| |Profitability and the Lifecycle of Firms |

| |Enhanced Prudential Standards and Early Remediation Requirements |

| |Supplemental Policy Statement |

| |FTC |

| |Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit |

| |Transactions Act |

| |Children |

| |Debt Buying Industry |

| |HUD |

| |Cancellation of the Annual Mortgage Industry Premium (MIP) |

| |FHA Issues Guidance to Help FHA-Insured Families in Disaster Areas |

| |Implementation of the Fair Housing Act |

| |Audit of Incorrect Payments to the Project Contractor for Data Conversion Tasks Related to the |

| |Implementation of HUD |

| |Guidance for FHA-Approved Mortgagees Originating and Servicing |

| |Home Equity Conversion Mortgage Program |

| |Manual Underwriting for Loans with Decision Credit Score Below 620 |

| |HUD Settlement over Maternity Leave |

| |Revisions to FHA |

| |Joint Issuance |

| |Interagency Statement on Section 612 of the Dodd-Frank Act |

| |Community Reinvestment Act |

| |Appraisals for Higher-Priced Mortgage Loans |

| |NCUA |

| |Definition of Troubled Condition |

| |NCUA Report |

| |Regulations Affecting Credit Unions; Technical Amendments |

| |Fidelity Bond and Insurance Coverage |

| |Designation of Low-Income Status |

| |NCUA Regulatory Review 2013 |

| |Alternatives to the Use of Credit Ratings |

| |Prompt Corrective Action |

| |NCUA Releases National Supervision Policy Manual |

| |OCC |

| |Description: Extension of Time Period for Certain Protections |

| |TCF Consent Order |

| |TCF Consent Order CMP |

| |Rules of Practice and Procedure |

| |Description: Notice of Compliance Extension |

| |OCC’s Quarterly Report on Bank Trading and Derivatives Activities Third Quarter 2012 |

| |JP Morgan Chase Consent Order |

| |Lending Limits |

| |Dodd-Frank Act Stress Test (Company-Run) |

| |Speech from OCC Director |

| |Semiannual Risk Perspective |

| |Treasury |

| |Final FATCA Rule |

| |Electronic Signature Requirements |

| |Upcoming Changes to Social Security ACH Benefit Payments |

| |IRS Truncated Taxpayer Identification |

|Next Meeting: 2013 Schedule |

|Adjourn |

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