Let me make it clear about Guidance papers

To print an entire index summarizing the topic question associated with Department’s currently applicable Administrative foibles and Guidance Documents, click for the PDF variation.

BANKING INSTITUTIONS STATEMENTS OF POLICY

1. Powers of the State BankSets forth the powers of the bank that is state-chartered defines products or services a state-chartered bank may provide.
2. Loan manufacturing workplaces in NebraskaPertains to loan manufacturing offices in Nebraska and includes explanations of the different aspects of interest.
3. Bank card Banking institutions in NebraskaContains a summary of concerns and responses regarding charge card banking institutions in Nebraska.
4. Bank and Bank Branch Naming PolicySets forth policies in regards to the usage and approval regarding the chartered title of the bank, the names of most bank workplaces used inside the State of Nebraska, and also the guidelines prohibiting the utilization of confusingly comparable names by bank workplaces into the community that is same county.
5. re re re Payment of costs to an Insider of a BankCovers the dilemmas surrounding the re re payment of costs up to a bank insider.
6. Formal and casual Administrative ActionsDescribes formal and casual action that is administrative, including corrective action procedures, because they relate genuinely to bank assessment results.
7. Capital ComputationDefines exactly exactly exactly what “primary money” is, for purposes of computing capital at a state-chartered bank.
8. Violations of Banking StatutesBriefly defines how a Department reacts to civil and banking that is criminal violations.
9. Loan LimitsSets forth policies concerning the maximum quantity a bank might loan to an individual.
10. Livestock LoansSets forth policies regarding guidelines and limitations regarding loans guaranteed by livestock.
11. Inclusion of Nonledger Assets in Total Amount Loaned Under State Lending LimitsPertains towards the remedy for ledger and nonledger assets within the exact same personal credit line.
12. Participation LoansSets forth policies about the purchase and renewal of participation loans.
13. Lending Limits Where Bank’s Capital DeclinesDiscusses lending restrictions for a bank that experiences a decline in bank money and includes examples for further clarification.
14. Other genuine EstateContains policies regarding a bank’s acquisition of other estate that is real.
15. Standard bank Bond CoverageContains policies regarding institution that is financial protection as needed by the Nebraska Banking Act.
16. Disclosure of Information to Bonding CompaniesCovers the sorts of disclosures of data that may or is not made to bonding organizations.
17. Outside Auditors and privacy of exams along with other MaterialsSets forth policies that assist external auditors of a standard bank with the coordination and interaction of data with examiners.
18. Reaction Program/Notification Unauthorized Access to Customer InformationContains policies for banking institutions in connection with utilization of a Reaction system in case of an information safety breach and establishes the necessity to inform the Department of an information protection breach.

BANKING INSTITUTIONS MISCELLANEOUS GUIDANCE PAPERS

1. Community Development Investments: A Banker’s Guide BrochureA pamphlet for bankers containing general information about community development assets.

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2. Financial Institution Directors: Duties & Responsibilities ManualA manual meant to assist people in the board of directors of the institution that is financial betterunderstand their duties and duties.
3. Executive Officer’s FAQAnswers questions that are common the certification of bank administrator officers.

MORTGAGE BANKING INTERPRETATIVE VIEWS

MORTGAGE BANKING MISCELLANEOUS GUIDANCE PAPERS

1. Conference of State Bank Supervisors—Guidance on Nontraditional Mortgage Product RisksDiscusses lender’s obligations concerning nontraditional home loans.
2. Illustrations of Consumer home elevators Nontraditional Mortgage ProductsProvides examples to help home loan bankers and home loan originators to know the guidance and also to satisfy their responsibilities concerning nontraditional home loans.
3. Conference of State Bank Supervisors—Statement on Subprime Mortgage LendingDiscusses lender’s responsibilities subprime that is concerning loans.
4. Home mortgage Originator License repair, Renewal, and Surrender FAQsAnswers typical concerns concerning upkeep, renewal, and surrender of real estate loan originator licenses.
5. Real estate loan Originator License Application Process FAQsAnswers typical concerns concerning the program procedure for real estate loan originator licenses.
6. General Licensing often Asked QuestionsAnswers common concerns concerning home mortgage originators and certification.
7. Home loan Banker and MLO Help With Temporary Branch Relocations
8. Temporary Branch Relocation Form

INSTALLMENT LOAN MISCELLANEOUS GUIDANCE PAPERS

1. Installment application for the loan General Hearing QuestionsContains commonly asked hearing concerns and topics for Installment Loan License Application hearings.
2. Installment Loan Licensing FAQsA listing of commonly expected concerns and responses concerning the Nebraska Installment Loan Act.

DELAYED DEPOSIT SOLUTIONS INTERPRETATIVE VIEWPOINTS

1. Determining optimum Service Fee that will Be Charged By Delayed Deposit LicenseesDiscusses the strategy for determining the utmost costs which get to be charged by delayed deposit services companies.
2. Concept of “Maker”Discusses certain requirements for the behave as they relate to jointly owned institution that is financial.
3. Concept of “Check”; Presentment; Penalty Charges; PrepaymentDiscusses the demands associated with the Act linked to depositing checks, authorizations to electronically debit accounts, notices to clients, prepayments, while the penalty fees that could be charged for checks came back funds that are nonsufficient.
4. Approach to PaymentDiscusses the Act’s prohibition of recharging a person extra costs or fees whenever spending the arises from a deposit that is delayed deal.
5. Holding of ChecksDiscusses certain requirements for the behave as they relate to presenting checks and also the thirty-four time period that is holding.
6. Assortment of Returned Checks; Partial Collection PaymentsDiscusses the collection means of checks came back for nonsufficient funds, like the usage of ACH and number of partial things, allowable charges, and required customer notices.
7. Collection Things; Documentation RequiredDiscusses the records which must certanly be retained by licensees associated with collection efforts on checks came back for nonsufficient funds.
8. Utilization of the Terms “Loan” and loan”Discusses that are“Payday conditions under which delayed deposit services licensees might use the terms “loans” and “payday loans” to explain their company in marketing.
9. Extensive re Payment PlanDiscusses certain requirements of this Act associated with payment that is extended (“EPP”), including amendment associated with the delayed deposit contract, regards to an EPP, and prepayment of a EPP.
10. Rescission; RedemptionDiscusses a maker’s directly to rescind a deposit that is delayed, a maker’s directly to redeem a delayed deposit transaction, and a maker’s directly to rescind an authorization for electronic re re re payment.
11. Army Personnel, Spouses and DependentsDiscusses limits regarding delayed deposit deals offered to military workers, their partners, and dependents beneath the Act as well as the Military that is federal Lending of 2006.

DELAYED DEPOSIT SERVICES MISCELLANEOUS GUIDANCE PAPERS