Search
Bank Policies & Procedures: Funds Management (PLM-097)
Designed to ensure that the bank is managed to provide adequate liquidity and a satisfactory and consistent level of profit within suitable interest rate risk constraints.
Bank Policies & Procedures: Home Equity Lending (PLL-236)
Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and...
Bank Policies & Procedures: Home Mortgage Disclosure Act Reporting (PLC-119)
Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.
Bank Policies & Procedures: I.T Asset Lifecycle Policy (PLM-330)
Establishes lifecycles for the hardware and software that is used within the bank as defined by the manufacturer or determined by the bank, identified by the manufacturer's plans for providing...
Bank Policies & Procedures: Identity Theft Prevention Policy (Red Flag) (PLC-224)
Provides guidance regarding the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and education of bank staff and customers. This policy includes the...
Bank Policies & Procedures: Human Resources (PLM-184)
Provides management with a clear understanding of what the bank expects from its employees and, in turn, what employees can expect from the bank. Covers equal employment opportunity, employee...
Bank Policies & Procedures: Information Security Program Policy (PLM-252)
This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information.
Bank Policies & Procedures: Incident Response Plan (PLM-250)
Lays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes an Incident Response policy, steps to take for specific types of incidents, a...
Bank Policies & Procedures: Internal and External Audit (PLM-085)
Designed to assist board members with their audit responsibilities. Includes audit function structure and committee meetings, technical duties, compliance, filing audit reports, roles and...
Bank Policies & Procedures: Insider and Affiliate Credit (PLC-075)
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.
Bank Policies & Procedures: Interest Rate Risk (PLM-095)
Establishes the guidelines to ensure that the bank is managed to recognize, measure, and control interest rate risk by setting risk limits, strategies, and reporting formats. Updated to reflect the...
Bank Policies & Procedures: Internal Controls (PLM-242)
Addresses the various controls to ensure efficient and effective bank operations, the reliability of financial reporting, and an effective risk management system. Covers administrative,...
Bank Policies & Procedures: Internet/E-Mail Risk Management (PLM-183)
Establishes a set of policies for use of the Internet and e-mail facilities. Includes guidelines for customers' privacy, procedures in the case of disruptions of bank operations, bank computers,...
Bank Policies & Procedures: Investment (PLM-098)
Covers the delegation of investment authority and accountability, the definition of acceptable types of investments, and how to maximize the bank's profitability while meeting the local...
Bank Policies & Procedures: Liquidity Risk Management (PLM-096)
Designed to ensure that the bank is managed to provide an adequate level of liquidity to meet both predicted and unexpected cash needs while maintaining a planned net interest margin.
Bank Policies & Procedures: Liquidity Contingency Fund Plan (PLM-272)
Provides a written contingency funding plan as required by Interagency Guidance on Funding and Liquidity Risk Management. Delineates strategies and actions addressing potential liquidity...
Bank Policies & Procedures: Litigation Risk (PLM-211)
Defines the risks associated with real or threatened litigation. Covers legal counsel's role and responsibilities, risk management, assessment of potential losses, and system controls.
Bank Policies & Procedures: Loan Review (PLL-082)
Covers loan review committee duties and loan review officer responsibilities and qualifications, as well as scope of review, sample selection, and types of review. Highlights a rating system that...
Bank Policies & Procedures: Loan Workout Policy (PLL-286)
Establishes an appropriate practice for renewing and restructuring troubled credits. Addresses the requirements that are appropriate for the complexity of the bank’s loans and that are consistent...
Bank Policies and Procedures: Marijuana Business and MRB Lending Policy (PLL-333)
Establishes a prudent framework for financial institutions to responsibly conduct business with legal marijuana/cannabis businesses in their communities while acknowledging and mitigating the legal...
Bank Policies & Procedures: Marijuana/Cannabis & MRB Policy (PLC-331)
This policy establishes the responsibilities and requirements for conducting banking activities for legal marijuana and cannabis businesses, including those Tier 2 and Tier 3 businesses that have a...
Bank Policies & Procedures: Management of Country Risk (PLM-212)
Addresses the risk that economic, social, and political conditions in a foreign country may adversely affect a bank's financial interests. Covers responsibility, policies and procedures, country...
Bank Policies & Procedures: Money Services Businesses (PLC-235)
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...
Bank Policies & Procedures: Marketing (PLM-090)
Provides guidelines for the management of the bank's marketing function, including development of the annual marketing plan and ongoing decision making. Includes regulatory compliance, geographic...
Bank Policies & Procedures: Merchant Services (PLL-233)
Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring.
Bank Policies & Procedures: Military Lending Act (PLC-323)
This policy outlines the objective of the Military Lending Act to extend protections to a broader range of closed-end and open-end products. Includes information on the MAPR, disclosure...
Bank Policies & Procedures: Model Risk Management Policy (PLM-295)
Establishes methodology to mitigate potential risks arising from the bank's reliance on financial models and to ensure that the sources and the magnitude of the bank's model risk are understood and...
Bank Policies & Procedures: Planning and Budgeting (PLM-088)
Identifies the responsible parties and outlines the process for developing and implementing the strategic plan and the budget.
Bank Policies & Procedures: Pre-Employment Background Screen (PLM-237)
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...
Bank Policies & Procedures: Quality Control System (PLL-226)
Sets the guidelines for establishing a quality control system. Covers the purpose and scope of a quality control system, system operation, investigation, and policy review.
Bank Policies & Procedures: Overdrafts (PLL-084)
Designed to address the risk associated with overdrafts, including the responsibility to communicate the policy to customers, payment or return of items, collection, charge-off and account...
Bank Policies & Procedures: Pandemic Policy (PLM-253)
This may be used as a stand alone policy or incorporated into your Business Continuity Policy. Contains guidance from The Interagency Statement on Pandemic Planning. Includes sample Pandemic Plan.
Bank Policies & Procedures: Real Estate Lending (PLL-083)
Covers in detail the general policies that apply to all real estate secured lending, portfolio diversification, notices, pricing, CRE, product structure, IORR, construction lending, development...
Bank Policies & Procedures: Reg B: Equal Credit Opportunity (PLC-118)
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...
Bank Policies & Procedures: Reg CC: Expedite Funds Availability (PLC-107)
Establishes internal procedures to address proper funds availability, disclosure, collection of checks, return of unpaid checks, and payment of interest on deposited funds.
Bank Policies & Procedures: Real Estate Settlement Procedure (PLC-122)
Establishes internal procedures to ensure proper compliance with the act, such as disclosures, escrow accounts, mortgage servicing transfers, and error resolution.
Bank Policies & Procedures: Reconsideration of Value (ROV) Policy (PLM-345)
The Reconsideration of Value Policy is designed to streamline the process of handling appraisal disputes efficiently and in compliance with regulatory guidelines. This customizable policy helps...
Bank Policies & Procedures: Reg D: Reserve Requirements of Depository Institutions (PLC-105)
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...
Bank Policies & Procedures: Reg E: Electronic Funds Transfer (PLC-108)
Establishes the internal procedures for proper issuance of access devices, disclosure, limitations on customer liability, documentation of transfers, and error resolution.
Bank Policies & Procedures: Reg DD: Deposit Account Terms, Disclosures, and Advertising Policy (PLC-106)
Addresses acceptable account terms, appropriate disclosure of these terms, and uniformity in advertising.
Bank Policies & Procedures: Reg F: Correspondent Banking (PLM-103)
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...
Bank Policies & Procedures: Reg P: Consumer Privacy Policy (PLC-200)
Addresses the collection, use, and retention of customer information, including maintenance of accurate information, limiting employee access, protection via security procedures, maintaining...
Bank Policies & Procedures: Reg Z Suite (PLC-114)
This suite of policies includes Lending Advertising Policy, Closed-End Consumer Non-Real Estate Loans Policy, Consumer Closed-end Real Estate Loan Policy, HELOC and Other Open End Products Policy,...
Bank Policies & Procedures: Reg GG - Unlawful Internet Gambling Policy (PLC-263)
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.
Bank Policies & Procedures: Regulation E: International Remittance Transfer Policy Act (PLC-293)
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...
Bank Policies & Procedures: Remote Deposit Capture (PLM-248)
Identifies and explains the inherent risks associated with RDC, establishes a sound risk management program and outlines internal controls and written procedures for managing the on-going risk.
Bank Policies & Procedures: Right to Financial Privacy (PLC-112)
Establishes limitations and duties regarding the release of information sought by government agencies.
Bank Policies & Procedures: Risk Management Policy (PLM-228)
Provides the overall framework for the supervision, management, operation, and control of the bank’s risk management program. Includes duties and responsibilities of the risk management committee...
Bank Policies & Procedures: Safe Deposit Box (PLM-162)
Will ensure that the bank operates in a manner that complies with all applicable laws and provides absolute safety and privacy to customers with safe deposit boxes. Covers objectives, definitions...
Bank Policies & Procedures: SAFE Act (PLC-284)
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...
Bank Policies & Procedures: Safeguarding Customer Information (PLC-202)
Pertains to the protection of customer information from unauthorized or illegal disclosure. Covers the development and implementation of an information security program, including responsibility,...
Bank Policies & Procedures: Secondary Mortgage Market (PLL-287)
This policy establishes the guidelines for the bank to follow to stay in compliance with the rules, regulations, and industry standards that apply to the origination and sale of whole loans by the...
Bank Policies & Procedures: Social Media Toolkit (PLM-290)
Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User...
Bank Policies and Procedures: Sale of Nondeposit Investments (PLM-230)
Applies to all retail sales of nondeposit products, including marketing and promotional activities. Covers objectives, scope, responsibility, minimum standards, program management, setting and...
Bank Policies & Procedures: Servicemembers Civil Relief Act (PLC-223)
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...
Bank Policies & Procedures: Social Media Policy and Guideline (PLM-289)
Provides guidance on how social media will be approached, proper methods for promoting the bank’s message and image, and consequences of not following guidelines. Includes Management and User...
Bank Policies & Procedures: Unfair Deceptive or Abusive Acts and Practices (PLC-116)
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...
Bank Policies & Procedures: Technology Risk Management (PLM-176)
Covers responsibility and management structure; security concerns related to physical systems, personnel, computers/databases, audit trails, and cyber threats; electronic banking; contingency...
Bank Policies and Procedures: Vendor Risk Management (PLM-213)
Provides guidance on managing the risks that may arise from outsourced relationships, including responsibilities, risk assessment, due diligence, contracts, security and confidentiality, controls,...
Bank Policies & Procedures: Wire Transfer (PLM-159)
Identifies the risks and establishes the policies dealing with wire transfers. Covers how to accurately process requests made in person, by phone, or other electronic means, with emphasis on...