LOBBY NOTICE REQUIREMENTS - Bankers Online
|LOBBY NOTICE REQUIREMENTS |
|NOTICE / POSTER |AVAILABILITY |SPECIAL INSTRUCTIONS |0BTAIN FROM |
|FDIC Member |POST |Post at “each window or station where deposits|Compliance Department or |
|For all banks: FDIC 328.1 | |are accepted”. |Marketing |
|OCC 12 CFR 328 | | |Compliance or Marketing: Order from FDIC - |
| | | |FAX (301) 772-8360 |
|[D/Up not exempt] | | |“glueable 2-sided decals” |
|[W/Up not exempt] | | |“decals with base” (plastic) |
|[ATMs exempt] | |[Black on gold; 3 x 7] |“decals with chain” (to hang) |
|[Recm’d for New Accts] | | | |
|CRA Notice |POST |Post in lobby of main office and each office |Legal (proforma) |
|OCC 12 CFR 25.6 | |public lobby, including those lending areas |Compliance (proforma) |
|OCC 12 CFR 345 | |separated from main lobby. Bank must adhere |Marketing (sign) |
|FDIC 345.6 | |to regulatory samples. “Office” defined by | |
| | |FDIC and OCC as a facility that accepts | |
| | |deposits [FDIC- Appn B #2; OCC Bulletin | |
| | |#BB-93-11]. Includes loan production centers | |
| | |that accept deposits as a courtesy to | |
| | |customers | |
|CRA Public File |Main bank: “Public File” (Comments, |To be available to requestor at no charge. | |
|OCC 12 CFR 25.43 |public section of CRA evaluation, |Update annually. Keep all issues for last 2 | |
|FDIC 345.43 |branch list, branches opened and |years at main office. | |
| |closed, list of services, map, | | |
| |modified LAR, and other bank info.) | | |
| |Branches: Public section of CRA | | |
| |evaluation and list of services. | | |
| |Provide modified LAR as requested. | | |
|Bank Financial Disclosure Notice | POST |Post in lobby of main and branch offices. |Compliance (proforma) |
|OCC 12 CFR 18.7 | | |Marketing (sign) |
|FDIC 350.7 and .7(b) | | | |
| | | | |
|Finanical Disclosure Stmt |Contact Comptroller. |Update annually. |Cashier/Comptroller Dept. |
| | |First copy to be at no charge. | |
|Equal Housing Poster | POST |To be “prominently displayed” in public |Compliance Department or |
|OCC 24 CFR 110.15 | |lobbies and special lending areas “where |Markting (signs) |
|FDIC 338.4(a) & (b) | |deposits are rec’d or R/E secured loans are |Compliance or Marketing order from: FDIC, |
|F/R 12 CFR 338 | |made.” |2009 Beaver Rd, Landover, MD 20785 |
| |[Rev. 3/89] | |(202)898-7390; OCC Communications Dept. |
| | | |Washington, D.C. 20210 |
| | | |or FAX: (202) 874-5263 |
| | |[11 x 14] | |
|Home Mtg Discl Notice | POST |In lobby of main and branch offices. |Legal (proforma) |
|12 CFR 203.5(d) for all banks | | |Compliance (proforma) |
|in MSA. | | |Marketing (sign) |
|FDIC 203 if in MSA-Appn A | | | |
|LOBBY NOTICE REQUIREMENTS |
|NOTICE / POSTER |AVAILABILITY |SPECIAL INSTRUCTIONS |0BTAIN FROM |
|Mtg Loan Disclosure Stmt & Data |Contact Legal Department |Disclosure Stmt: Updated by FFIEC annually |Legal (Statement) |
|12 CFR 203.5(b). | |based on our tapes to them. Provide w/n 3 days|Mortgage (Modified LAR) |
|FDIC 203.5(b) | |of receipt from FFIEC or w/n 10 days at one | |
|12 USC 2804 | |office in additional MSA | |
| | |Modified LAR: If request made 1/1 to 3/1: by | |
| | |3/1. If request made after 3/1, w/n 30 days | |
| | |of request. | |
|Expedited Funds (Reg CC) | POST |Post in “conspicious location” - where |Compliance (proforma) |
|12 CFR 229.18 and | |deposits are accepted...which describes time |Marketing (sign) |
|Commentary for all banks. | |periods of availability...Includes ATMs, new | |
|FDIC 229.18 | |accounts, lobbies. See definition of “office”| |
|[D/Up exempt] | |in CRA, above. | |
|[W/Up not exempt] | | | |
|[ATMs not exempt] | | | |
|[Recm’d for New Accts - if deposits | | | |
|taken] | | | |
|Customer Identification Pgm (BSA) | POST or ORAL |This describes the identification requirements|Sample language in 31 CFR |
|31 CFR 103.121(b)(5) | |of this bank and provides the notice in a |103.121(b)(5)(iii) |
| | |manner reasonably designed to ensure that a | |
| | |customer is able to view the notice, or is | |
|[New Accts – posting is preferred] | |otherwise given notice, before opening an | |
| | |account. | |
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