MICHIGAN COMPLIANCE OFFICERS ASSOCIATION



|I. Welcome |

|II. Introductions |

|III. Michigan Mortgage Advisory Board |

|IV. Discussion |

|AML |

| |FinCEN Advisory FIN-2013-A006 |

| |FinCEN BSA Penalties NJ Bank |

|Lending |

| |City of Richmond California |

| |ABA Letter Regarding Implementation Timing |

| |2nd QTR 2013 NMLS State Mortgage Licensing Report |

| |2nd QTR NMLS Federal Registry Report |

| |Reverse Mortgage Guidance |

|Other |

| |Financial Stability Oversight Council (FSOC) Announces |

| |Financial Institution Responsibilities: Payday Lending |

| |Stability Board Report |

| |Guidance to Employee Benefit Plans & the Definition |

| |Changes to the NACHA Operating Rules |

| |SEC Changes |

|Regulatory Agencies |

| |CFPB |

| |Director Cordray Remarks |

| |Development of Metrics |

| |Electronic Fund Transfers |

| |Reminder: Accessing your scholarships and |

| |Rules of Practice for Issuance of Temporary Cease-and-Desist Orders |

| |Explainer: scoring student loan servicers |

| |Steven Antonakes Named |

| |Supervisory Highlights: Summer 2013 |

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

| |Meracord Enforcement Press Call |

| |CONSUMER FINANCIAL PROTECTION BUREAU TAKES ACTION AGAINST MERACORD FOR PROCESSING ILLEGAL |

| |DEBTSETTLEMENT |

| |Amendments to the 2013 Mortgage Rules Under the Equal Credit |

| |The FCRA |

| |International Fund Transfers |

| |Payroll Card Accounts (Regulation E) |

| |Amendments to the 2013 Mortgage Rules under the Equal Credit Opportunity Act |

| |CFPB Examiners Find Mortgage Servicing Problems |

| |Ability-to-Repay and Qualified Mortgage Rule: SMALL ENTITY COMPLIANCE GUIDE |

| |International Fund Transfers |

| |JPMorgan Consent Order |

| |Appraisals for Higher-Priced Mortgage Loans |

| |FDIC |

| |Regulatory Capital Rules |

| |UDAP Check Cashing |

| |Deposit Insurance Regulations |

| |Removal of Transferred OTS Regarding Employment Activities of Examiners |

| |Removal of Transferred OTS Recordkeeping Requirements |

| |FDIC Supervisory Approach to Payment Processing Relationships |

| |FHFA |

| |Quality Control and Additional Information Related to the Ability to Repay |

| |Edit |

| |Selling Guides Update due to Ability to Repay Rule |

| |FHFA Quarterly Performance |

| |ELIGIBILITY MATRIX |

| |Selling Guide Quick Links |

| |FHFA Launches National Education Campaign |

| |FHFA Seeks Public Input on Reducing Fannie Mae and Freddie Mac Multifamily Businesses |

| |FRB |

| |2014 HMDA Edits |

| |Revised Interagency Examination Procedures for Regulation Z |

| |Memorandum Opinion Debit Card Interchange Fees |

| |Basel III Interim Rule Transition Plan |

| |Basel III Interim Rules-Capital Plan |

| |New $100 Bill |

| |Survey of Terms of Business Lending |

| |Consumer Credit - G.19 |

| |Regulation TT |

| |Financial Holding Companies |

| |Revised RESP A Interagency Examination Procedures |

| |Financial Accounts of the United States |

| |JPMorgan Settlement |

| |SUNSOUTH BANCSHARES, INC. |

| |FTC |

| |FTC Files Amicus Brief Supporting Class Action Suit that Challenges Payday Lender |

| |FTC Brings First Case Alleging Text Messages Were Used In Illegal Debt Collection Scheme |

| |FTC Sends Refunds to Consumers Harmed by "Credit Card" |

| |FTC Sends Refunds to Consumers Harmed by Robocallers Who Claimed to Reduce Credit Card Interest |

| |Rates |

| |Text Spammers Settle FTC Charges They Illegally Sent Consumers Bogus Offers for "Free" Gift |

| |Cards |

| |Telemarketing Sales Rule Fees |

| |HUD |

| |Mortgagee Letter 2013-26 |

| |MORTGAGEE LETTER 2013-32 |

| |MORTGAGEE LETTER 2013-27 |

| |Mortgagee Letter 2013-04 |

| |Mortgagee Letter 2013-05 |

| |MORTGAGEE LETTER 2013-27 |

| |Mortgagee Letter 2013-28 |

| |Mortgagee Letter 2013-29 |

| |Streamlined Reporting |

| |HECM FINANCIAL ASSESSMENT AND PROPERTY |

| |HUD CHARGES FIFTH THIRD BANK, MORTGAGE BROKER |

| |Qualified Mortgage Definition |

| |Joint Issuance |

| |Interagency Guidance on Privacy Laws and Reporting Financial Abuse of Older Adults |

| |Proposed Regulatory Capital Reporting |

| |Company-Run Stress Tests |

| |Credit Risk Retention |

| |Capital Reporting |

| |NCUA |

| |Charitable Donations Rule Proposed |

| |LIBOR Suit |

| |Efiling |

| |Economic Update |

| |OCC |

| |Community Banks in Nine Southern States Show Improving Performance |

| |OCC Encourages National Banks and Federal Savings Associations to Work With Customers |

| |Unauthorized Banking: AmTrade International Bank |

| |Counterfeit Official Checks: Savings Institute Bank and Trust, Willimantic, CT |

| |Description: Comptroller's Handbook Revisions and Rescissions |

| |Chase Add-On Settlement |

| |Chase Consent Order |

| |Chase Settlement |

| |Chase Cease and Desist Order |

| |OCC Enforcement Actions |

| |OCC Announces EverBank Agrees to Pay $37 Million to Customers, $6.3 Million to Housing |

| |Risk Retention Rule |

| |Treasury |

| |Affordable Care Act |

|Next Meeting: 2014 Schedule In Process |

|Adjourn |

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