The AML FinCEN Form 8300 Toolkit provides the tools your bank needs to understand, complete, and provide training on Form 8300. Includes the rights to provide the tools needed to properly complete Form 8300 to business customers.

Based on FinCEN's guidance, effective August 13, 2012.

Includes:

• FinCEN Form 8300 Instructions and Definitions Manual / Report of Cash Payments over $10,000 Received in a Trade or Business Instruction Manual
• FinCEN Form 8300 Completion Instructions: Covers the new requirements, data fields, and terminology, and provides step-by-step instruction on how to complete the form.
• FinCEN Form 8300: Provided in an easy-to-use, fill-able .pdf format. An excellent training tool!
• Customizable AML Policy: Covers AML Programs and Procedures, Required Reports, and Record-Keeping Requirements.
• FinCEN Form 8300 Compliance Review Model: Convenient checklist format. Ensures your compliance under FinCEN regulations.
• FinCEN Form 8300 Completion PowerPoint Training: Train personnel on the FinCEN requirements with this easy-to-understand training tool.
• Rights To Provide Your Business Customers With the Necessary Components (Items 1 - 3 listed above)

Provide your business customers with the tools they will need to properly complete Form 8300: Reports of Cash Payments Over $10,000 Received in a Trade or Business.

Based on FinCEN's guidance, effective August 13, 2012.

Includes:

• FinCEN Form 8300 Instructions and Definitions Manual / Report of Cash Payments over $10,000 Received in a Trade or Business Instruction Manual
• FinCEN Form 8300 Completion Instructions: Covers the new requirements, data fields, and terminology, and provides step-by-step instruction on how to complete the form.
• FinCEN Form 8300: Provided in an easy-to-use, fill-able .pdf format. An excellent training tool!
• Rights To Provide Your Business Customers With the Necessary Components (Items 1-3 listed above)

This instructional workbook will assist a BSA Officer or Compliance Officer in completing an overall BSA/AML risk assessment in accordance with the FFIEC’s examination procedures expectations. Internal auditors wishing to perform a BSA/AML risk assessment on the bank’s compliance program will also find this a very valuable tool. The process is examined in detail as it guides you through the determining factors such as the bank’s size and structure, geographic locations, customers and entities, operations, and products and services. A prerequisite to completing the risk assessment is performing customer due diligence to determine those customers or customer types that involve higher BSA/AML risks.

Updated in 2011 to cover recent regulatory changes, including Appraisals, Reg E, Reg Z, Reg DD, Reg GG, SAFE Act, BSA/OFAC, Fair Debt Collection, and Flood. This easy-to-use tool will provide a structured method for evaluating your bank’s compliance management program, as well as a better understanding of where your compliance efforts are paying off and/or what areas demand more attention. Covers compliance management from a global/overall perspective as well as by regulation. Includes workbook and 28 interactive risk rating templates on CD.

HMDA Survival Toolkit includes everything you will need to ensure that your bank's HMDA data is accurate prior to submission and that bank policies and procedures are in place when they need to be.

Includes:

• HMDA Survival Guide: Covers everything you need to know about HMDA and more…
• HMDA Data Integrity Reporting: Questions and Answers/Scenarios/Examples with remarks
• HMDA Data Reporting Coverage and Merger/Acquisitions Q&A
• Customizable HMDA Policy
• HMDA Data Collection Worksheet: In Fill-able PDF Format to assist in data integrity reporting
• HMDA Compliance Review Model: Contains LAR Findings and Testing, Modified LAR - Disclosure Statement - Notice Requirements
• Sample HMDA Report Template: Contains Transaction Testing Scope, Data Integrity Findings Grid, Assigned Priority Classifications for any and all possible HMDA Findings/Violations, Disclosure Statement - Modified LAR - Notice Requirements
• Customizable HMDA Guide PowerPoint Presentation: Train your staff on the new HMDA requirements
• Looking Forward to the Longer LAR and the New Commercial Loans LAR
  
  

The Red Flag Identity Theft Toolkit will help you develop and implement a comprehensive identity theft program for your bank. The Toolkit will allow you to identify specific forms of activity that should raise a "red flag" to potential risk of identity theft and develop an implementation strategy to detect, prevent, and mitigate identity theft as required by the revised FACT Act regulation. It also covers potential "red flags" in connection with requests for change of address relating to credit and debit cards and address discrepancies from consumer reporting agencies. It can be used by different departments individually or the bank as a whole, and provides the information needed for the required board reporting. Includes: 1) Identity theft risk assessment workbook in Microsoft Excel® (interactive risk rating templates), 2) Implementation checklist, 3) Identity theft policy, and 4) Training manual that can be customized to meet the unique needs of your bank.

The Red Flag Identity Theft Toolkit will help you develop and implement a comprehensive identity theft program for your credit union. The Toolkit will allow you to identify specific forms of activity that should raise a "red flag" to potential risk of identity theft and develop an implementation strategy to detect, prevent, and mitigate identity theft as required by the revised FACT Act regulation. It also covers potential "red flags" in connection with requests for change of address relating to credit and debit cards and address discrepancies from consumer reporting agencies. It can be used by different departments individually or the credit union as a whole, and provides the information needed for the required board reporting. Includes: 1) Identity theft risk assessment workbook in Microsoft Excel® (interactive risk rating templates), 2) Implementation checklist, 3) Identity theft policy, and 4) Training manual that can be customized to meet the unique needs of your credit union.

For banks that provide more than 100 international remittance transfers (ACH transfers, wire transfers, online bill payments) in one year, the proposed new Section 919 of Regulation E: Electronic Fund Transfer Act – International Remittance Transfer will require significant changes in way you do business, including:

• New Terms
• New Disclosures
• New Challenges

Prepare Now! The Regulation E: International Fund Transfer Compliance Toolkit provides everything you need to ensure compliance with the new IFT regulation when it becomes final. (Final rule anticipated in late spring 2013.)

Includes proposal update which will automatically update your Reg E Toolkit upon finalization of the proposal.

Includes:

• Regulation E: International Remittance Transfer Policy: Ensure your bank’s policy is in compliance with the rule. Can be easily customized for the unique needs of your bank.
• International Fund Transfer / IFT Compliance Guide: An easy-to-use summary of the remittance transfer rule.
• Model Forms: Appendix A
• IFT Compliance Guide PowerPoint Training Tool: Ensure necessary training for your tellers, agents and customer representatives; as well as back office staff that approve, process and monitor transactions.
• Regulation E: IFT Compliance Review Model: Microsoft® Excel-based format provides an excellent tool to ensure complete compliance with the rule requirements.
• Regulation E: IFT Error Resolution Worksheet: Ensure compliance with the rule’s Error Resolution Requirements.
• Regulation E: IFT Error Resolution Log: Track and ensure compliance with the rule’s Error Resolution Requirements.
• Regulation E: IFT Report Template: Covers Transaction Testing Scope, IFT Findings Grid, Assigned Priority Classifications for any and all possible IFT Findings / Violations, Disclosure Obligations, Cancellation – Refund and Error Resolution Rights, Training Requirements.

Unlawful Internet Gambling Toolkit. This easy-to-use toolkit includes a training manual, policy, and compliance monitoring checklist (in Microsoft® Excel. The manual covers payment and transmitting systems, exemptions, due diligence requirements and identifying and blocking transactions. The policy is fully customizable in Microsoft® Word and the checklist is a useful tool to monitor your compliance with the regulation once you have your policy and procedures implemented.

The Regulation O Toolkit provides an easy-to-use, automated method to perform your bank’s Reg O review at both the customer and bank/aggregate level and generates reports to document compliance. The toolkit includes a compliance checklist, the Reg O Workbook which is a Microsoft® Excel-driven spreadsheet that calculates your bank’s maximum amount of Reg O loans, and assures that all individuals and their related interests are within proper tolerances, training manual and Reg O Policy template.

The SAFE Act requires that an employee of the bank who acts as a residential mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry (the “Registry”), obtain a unique identifier, and maintain this registration. The Act further states that the bank must require its employees to comply with the Act’s requirements and adopt and follow written policies and procedures designed to assure compliance with the Act. The bank is strictly prohibited from engaging in any act or practice to evade any of the requirements of this Act.

This Toolkit contains:

• A SAFE Act Policy
• Training Manual
• Implementation Checklist
• Sample Procedures
• Audit Checklist

System Requirements -- Microsoft® Excel and Word.

The Government Accountability Office issued a call to financial regulators to step up enforcement of the Servicemembers Civil Relief Act / SCRA through much more detailed examinations.

How prepared is your bank? In light of the hot litigation environment and enhanced scrutiny by regulators, it is absolutely necessary that every lender and servicer / collector be certain to understand this important law.

Ensure your bank's SCRA compliance with the limits, prohibitions and waivers; along with the special circumstances, such as eviction, property purchases, mortgages, leases and the latest SCRA foreclosure protections, mortgage servicing practices with permanent change of station order / PCS and revised disclosure notice.

The SCRA Compliance Management Toolkit will provide the information you need to make sure your bank understands and is in full compliance with the SCRA. The Toolkit covers:

• SCRA Policy and Notice Disclosure: Ensure your bank's policy is up-to-date and in compliance with the Act. Covers - Affidavit Requirement, Interest Rate, Installment Contracts / Leases, Mortgages / Trust Deeds, Mortgage Servicing Practices with PCS, Extension f Power of Attorney, Exercise of Right, Impact on Loan Portfolio
• SCRA Compliance Review Objectives / Instructions: For use with the SCRA Compliance Review Procedures and the SCRA Compliance Review model. Covers - Interest Rate, Residential / Motor Vehicle Purchases / Leases, Foreclosure and Eviction from Bank-Owner Property, Mortgage Servicing Practices with PCS, Life Insurance Assigned as Security, Adverse Action, Relief of Other Obligors, Review Objectives, Applicable Laws and Regulations
• SCRA Regulatory Compliance Review Procedures: Ensure your bank's compliance with the Act.
• SCRA Compliance Review Model with Report Format: Excellent tool to ensure complete compliance with the SCRA requirements, along with automatically generating your Compliance Review Report! Covers all the requirements under the Act, along with Transaction Testing.
• SCRA PowerPoint Training: Ensure the necessary SCRA training for your staff!

The new CTR and SAR forms have changed drastically and will require more effort to complete and submit. To help your BSA Officer understand the new guidance, complete and submit the new electronic forms, and train bank staff and the board, Young & Associates, Inc. has developed the Complete CTR and SAR Instruction Toolkit.

Everything you need to understand, complete, and provide training on the new CTR and SAR forms. Based on FinCEN's guidance, effective July 1, 2012.

Includes:

• New CTR and SAR Instruction Manuals: Cover the new requirements, data fields, and terminology and provide step-by-step instruction on how to complete the new forms. Include completion examples/scenarios to clarify the various situations that might apply at your bank.
• Filing FinCEN's New CTR and SAR Guidance (Department of the Treasury)
• New Forms: CTR Form 112 and SAR Form 111 in “fillable," .pdf format. Great training tools!
• New CTR and SAR Completion Compliance Review Models: Convenient checklist format. Ensure the accuracy of your submissions.
• BSA/AML Regulatory Training Requirements: Comprehensive training for bank staff and the board.
• New CTR/SAR PowerPoint Training Presentation: Train bank staff and your board on the new requirements with this easy-to-understand training tool. Can be customized for the unique needs of your bank.

System Requirements: Microsoft® Word 2003 and Power Point 2003, and Microsoft Windows XP or higher

The rules related to Unfair, Deceptive or Abusive Acts or Practices / UDAAP affect every product and / or service offered by your bank.

The Dodd-Frank Act expanded UDAP to UDAAP by adding rules for abusive acts or practices. Regulatory agencies have been placing increased attention on the topic for several years and that attention is expected to increase over the next several years. This toolkit will help you develop a complete Compliance Management System for UDAAP.

A significant number of banks have received enforcement actions as a result of engaging in unfair, deceptive or abusive acts or practices. When problems arise with UDAAP, regulators require banks to develop a Compliance Management System. Don't wait until you are required by the regulators to develop your system. Develop it now. A well-developed Compliance Management System prevents UDAAP problems.

The UDAAP Compliance Management System Toolkit Contains:

• UDAAP Policy and Procedures: Ensure your bank's policy is in compliance with the rules.Contains:
  • UDAAP Risk Assessment: Managing Risks Related to UDAAP: Outlines guidance on best practices to address areas with the greatest potential for UDAAP.
  • UDAAP Complaint Management System / Consumer Complaint Procedures: Excellent system to ensure complaint management. Covers - Red Flags, Complaint Analysis, Substantive Complaints, Regulatory Reference, Complaint Management Worksheet
• UDAAP Compliance Review Procedures: Ensure your bank's compliance with the rules.
• UDAAP Consumer Complaint Form: Excellent tool to gather intelligence from consumer contacts for organization, retention and use as part of your bank's Compliance Management System.
• UDAAP Complaint Management Worksheet: Ensures the ongoing review of records of recent consumer complaints and inquiries about your bank and service providers.
• UDAAP Complaint Management Log: UDAAP examination procedures speak of a complaint log. This is an excellent companion feature and compliance tool to your Compliance Management System.
• UDAAP PowerPoint Training: Ensure the necessary UDAAP training for your staff. UDAAP affects every product and / or service offered by your bank.
• UDAAP Compliance Review Model with Report Format: Excellent tool to ensure complete compliance with the UDAAP requirements, along with automatically generating your Compliance Review Report!

The Compliance Update is a monthly newsletter that provides a thorough compliance review and covers developments that affect the banking industry. Each month our compliance experts scour the regulatory issuances, final rules, and amendments to provide you with the compliance information you need, when you need it. Provided to you in .pdf format, your Compliance Update will by sent to you via e-mail each month.

The Compliance Update is packed with useful compliance information and analysis for your bank, including:

• Action Items- includes a compliance action follow-up checklist
• What’s Hot- covers proposed rules, new laws, and what they mean to you and your bank
• Reg Watch- keeps you posted on what’s looming on the horizon
• Q&A- provides answers to your questions on compliance issues
• Compliance Calendar- keeps you up-to-date with deadlines at a glance
• Feature Articles- analyzes the issues, written by compliance people for compliance people

Prod Num: 018
Price: $249.00

Will assure that the bank is furnishing accurate information to consumer reporting agencies, including identifying the appropriate accounts and other relationships and the appropriate consumer(s).

Covers:

• Establishment and Implementation
• Standardization of Data
• Record Keeping
• Internal Controls
• Training
• Oversight of Service Providers
• Data Correction and Updating
• Dispute Investigation
• Data Reporting to Credit Reporting Agencies
• Policy Review

Prod Num: 282
Price: $75.00

Recently updated to incorporate the requirements of the Interagency Appraisal and Evaluation Guidelines, released on 12/2/10. This customizable policy template covers: Appraiser and Evaluator Qualifications and Selection, Engagement Letters, Appraisals From Other Financial Institutions (including purchased participations), Third Party Arrangements, Useful Life of Appraisals, Appraiser/Evaluator/Lending Staff Independence, Appraisal/Evaluation Review, Appraisal Audits for Loans Sold on the Secondary Market, Reappraisals or Reevaluations of Collateral and Representations and Warranties.

Prod Num: 124
Price: $225.00

Provides procedures as required by the regulatory agencies. Includes information on exempt persons, internal records, currency transaction reports, Office of Foreign Assets Control, know your customer guidelines, wire transfers, anti-money laundering, and USA Patriot Act provisions.

Prod Num: 109
Price: $325.00

Describes the responsibilities of the bank for disclosing to customers the new Check 21 requirements. Covers substitute checks and expedited recredit procedures and outlines the steps consumers must follow when making a claim. Includes sample text for Consumer Awareness disclosures and notices regarding claims.

Prod Num: 227
Price: $175.00

Sets the tone for Community Reinvestment Act compliance, whether by strategic plan or lending, investment, or service tests. Includes information on delineation of assessment area, performance standards, performance evaluation, data collection, reporting, disclosures, and public file.

Prod Num: 120
Price: $175.00

An overall policy for demonstrating how your bank will comply with the banking compliance regulations. Provides information on compliance officer and compliance council responsibilities, monitoring and control, and compliance risk ratings. Includes a risk ratings flow chart.

Prod Num: 104
Price: $175.00

Covers the basis for the CIP procedures, definitions, procedures for verification through documents, non-documentary verification, lack of verification, and other items, such as when not to open the account, limited use of account, when the account will be closed, when additional information is required, record keeping, comparison with government lists, customer notice, and reliance on another financial institution.

Prod Num: 217
Price: $175.00

Covers consumer disputes submitted to one or more credit reporting agencies (CRAs) for inclusion in a consumer report, including:

• Coverage
• Direct Dispute Submission Address
• Direct Dispute Notice Content
• Investigation and Reporting
• Frivolous or Irrelevant Disputes
• Policy Review and Procedures

Prod Num: 281
Price: $75.00

Sets forth the bank’s systems and policies regarding the destruction of customer and consumer information. Defines various bank records and outlines steps to destroy information contained in them. Includes information to review a third-party service.

Prod Num: 232
Price: $125.00

Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists.

Prod Num: 115
Price: $275.00

Establishes the bank's intent for proper debt collection practices, including collection guidelines, collection activities, and third-party communications.

Prod Num: 117
Price: $125.00

Designed to comply with all the regulatory agencies’ reporting requirements. Establishes internal procedures for disclosure, applications, activity reports, and loan file information.

Prod Num: 121
Price: $175.00

Establishes fair lending activities, including taking loan applications, telephone inquiries, advertising, and credit evaluation standards. Also covers loan decisions, notifications, and adverse action. Includes discussion on prohibited actions, disparate treatment, and disparate impact.

Prod Num: 177
Price: $325.00

Ensures the proper use of flood hazard determination form, customer notification, insurance coverage, escrow, and forced placement procedures.

Prod Num: 123
Price: $175.00

Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.

Prod Num: 119
Price: $175.00

This policy offers guidance to a bank’s board of directors, management, and line personnel as to the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and guidance for education of bank staff and customers.

Prod Num: 224
Price: $225.00

For compliance with insider lending. Designed to address the particular credit and legal standards that apply to insiders, including lending limitations for individuals and affiliates.

Prod Num: 075
Price: $175.00

Regulates the terms of certain extensions to active duty servicemembers, including Active Guard and Reserve duty, and their dependents.

Prod Num: 251
Price: $125.00

This policy provides guidance to assess the risks associated with servicing MSBs. Topics include the identification, documentation, and monitoring of these entities, as well as the operational areas and reviews that must be conducted to be in compliance.

Prod Num: 235
Price: $175.00

Reflects information contained in the FDIC’s Financial Institution Letter 46-2005 on Pre-Employment Background Screening. Covers the purpose and scope of the policy, responsibility, service providers, minimum screen requirements, additional screening procedures, and policy review. Note: This policy is included in our Human Resources policy (#184).

Prod Num: 237
Price: $125.00

Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution.

Prod Num: 122
Price: $225.00

Establishes procedures for receiving and handling consumer complaints. States the bank's intent to prevent unfair, deceptive or abusive acts or practices in connection with any transaction for a consumer financial product or service. Sets guidelines to properly handle consumer credit contracts, late charge accounting practices, and cosigner practices. Policy template includes Review Procedures and Consumer Complaint Procedures.

Prod Num: 116
Price: $295.00

Provides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting.

Prod Num: 118
Price: $175.00

Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds.

Prod Num: 107
Price: $275.00

Includes definitions for the various types of deposit accounts, as well as eligibility, transaction limitations, and penalties. Provides the computation and reporting requirements of Regulation D and establishes internal procedures that assist personnel in complying with the reserve requirements.

Prod Num: 105
Price: $125.00

Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising.

Prod Num: 106
Price: $225.00

Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution.

Prod Num: 108
Price: $225.00

Provides guidance for those banks that will act as Remittance Transfer Providers. Dodd-Frank added consumer protections for remittance transfers sent by consumers in the United States to individuals and businesses in foreign countries. The systems required by this regulation are intended to significantly improve the predictability of remittance transfers, as well as provide consumers with better information for comparison shopping. This policy is designed for those banks that will process more than 100 remittance transfers annually.

Prod Num: 293
Price: $175.00

Designed to limit the risks that the failure of another depository institution poses to the bank. Provides the board with a methodology for establishing criteria to select a correspondent bank and outlines procedures for identifying, monitoring, and managing correspondent relationships and correspondent concentration risks. Updated to guide compliance with the Interagency Guidance on Correspondent Concentration Risks (FIL-18-2010) and Regulation F: Limitations on Interbank Liabilities. Includes a Concentration Risk Worksheet in Microsoft® Excel to calculate and monitor credit and funding exposures for correspondents on a stand-alone and organization-wide basis.

Prod Num: 103
Price: $295.00

Policy states how the bank will implement its compliance with Regulation GG and how it will identify and block, or otherwise prevent and prohibit restricted transactions.

Prod Num: 263
Price: $175.00

Addresses the collection, use, and retention of customer information including maintenance of accurate information, limiting employee access, protection via security procedures, maintaining customer privacy in business relationships with third parties, and disclosure of privacy principles to customers.

Prod Num: 200
Price: $375.00

Covers the requirements of the Truth in Lending Act. Includes exempt transactions, open-end credit, credit cards, home equity lines of credit, closed-end credit, and right of rescission, as well as advertising for credit.

Prod Num: 114
Price: $325.00

Establishes limitations and duties regarding the release of information sought by government agencies.

Prod Num: 112
Price: $125.00

Guides the bank in compliance with the SAFE Act in a manner appropriate to the nature, size, complexity, and scope of the bank's operations. Addresses registration requirements for mortgage loan originators and the bank, required information, use of unique identifiers and maintaining registrations.

Prod Num: 284
Price: $175.00

Pertains to the protection of customer information from unauthorized or illegal disclosure. Covers the development and implementation of an information security program, including responsibility, assessment of risk, management and control of risk, employee education and training, testing, monitoring, oversight of service provider arrangements, updating/adjusting the program, and reporting to the board.

Prod Num: 202
Price: $275.00

This policy outlines the financial relief protection extended to servicemembers when they are called into active military duty. Covers issues with direct implications to community banks, such as the bank’s obligations in reducing interest rates, installment and lease contracts, coverage of certain family members, and automatic extensions of power of attorney.

Prod Num: 223
Price: $175.00

Provides the guidelines a bank must follow when reporting criminal activity, including insider misconduct.

Prod Num: 113
Price: $175.00