ABA Banking Journal

1. Security 2.0: Not Just a New Kettle of Phish
Security 2.0 is a radical new approach to foiling malware.
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2. Investment homes secured by borrower home: HMDA or not?
Q. We are making a new loan to a consumer to purchase rental houses. This loan will be set up as revolving line of credit, ...
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3. Can regs bar use of negative credit history?
Q. We have a borrower with a low credit score and previous bankruptcy to whom we made a small car loan earlier this year. He ...
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4. Handling loan-insurance tie-ins without getting into knots.
Q. Can we require customers to insure their home with our affiliated insurance company in order to receive a special loan offer? A. This appears ...
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5. When must OFAC checks be done?
Q. We have been cited by our examiner for not performing Office of Foreign Asset Controls checks on account signers prior to opening the account.
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6. Policy choices in event of recession.
THE U.S. ECONOMY MAY AVOID recession in 2008, but it will be a close call. Growth is slowing in reaction to the credit crunch, falling ...
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7. This web's for you.
IT MAY SEEM COUNTERINTUITIVE to be introducing a revamped publication website in the pages of a print magazine, but the fact is, a large part ...
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8. That's "edutainment".
[ILLUSTRATION OMITTED] Did you notice the formula for compound interest snuck into the latest episode of Desperate Housewives? It hasn't quite come to that--yet. However, ...
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9. Birth of the Fed.
Today, with the stumbling economy needing all the help it can get, many eyes are on the Federal Reserve System. Chairman Benjamin Bernanke now holds ...
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10. Tier 1 ratios: stable so far.
As metrics go the Tier 1 ratio is one the most important in banking. The ratio takes the amount of Tier 1 capital--typically common and ...
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