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Compliance Regulations and Guidance Affecting your Industry
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Compliance Trainings
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Employee Expense Reimbursement Fraud: Detection, Prevention and Deterrence
By - Peter Goldmann
On Demand Access Anytime
By - Peter Goldmann
On Demand Access Anytime
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Credit card surcharging - who is going to do it and what are the stipulations for compliance?
By - Ray Graber
On Demand Access Anytime
By - Ray Graber
On Demand Access Anytime
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Managing AML/KYC Compliance Risk - CDD/EDD, Transaction Monitoring and More
By - Doug Keipper
On Demand Access Anytime
By - Doug Keipper
On Demand Access Anytime
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The Australian AML/CTF Act - Preparing for an Independent Review
By - David Harley
On Demand Access Anytime
By - David Harley
On Demand Access Anytime
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Dodd-Frank Wall Street Reform and Consumer Protection Act
- Industry: Banking and Financial Services
Enacted by the Senate and House of Representatives of the United States of America in Congress assembled, this Act may be cited as the ‘‘Dodd-Frank Wall Street Reform and Consumer Protection Act’’. The Dodd–Frank Wall Street Reform and Consumer Protection Act is a federal statute in the United States and was signed by President Barack Obama on July 21, 2010. The aim of the legislation is to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes.
Japan - Certified Public Accountants Act
- Industry: Banking and Financial Services
The mission of certified public accountants, as professionals on auditing and accounting, shall be to ensure matters such as the fair business activities of such entities as companies and the protection of investors and creditors by securing the reliability of financial documents and any other information concerning finance from an independent standpoint, thereby contributing to the sound development of the national economy.
Japan - Electronically Recorded Monetary Claims Act(Act No.102 of 2007)
- Industry: Banking and Financial Services
This Act shall provide for accruals and assignments, etc. of Electronically Recorded Monetary Claims, as well as the necessary matters regarding the business and supervision, etc. of Electronic Monetary Claim Recording Institutions that conduct the electronic recording pertaining to said Monetary Claims.
Japan - Financial Instruments and Exchange Act (Act No. 25 of 1948)
- Industry: Banking and Financial Services
The purpose of this Act is, inter alia, by developing systems for disclosure of corporate affairs and other related matters, providing for necessary matters relating to persons who engage in Financial Instruments Business and securing appropriate operation of Financial Instruments Exchanges, to ensure fairness in, inter alia, issuance of the Securities and transactions of Financial Instruments, etc. and to facilitate the smooth distribution of Securities, as well as to aim at fair price formation of Financial Instruments, etc. through the full utilization of functions of the capital market, thereby contributing to the sound development of the national economy and protection of investors.
Japan - Banking Act (Act No. 59 of 1981)
- Industry: Banking and Financial Services
The purpose of this Act is, in view of the public nature of the business of banks and for the purpose of maintaining its credibility, securing the protection of Depositors, etc. and facilitating smooth functioning of financial services, to ensure sound and appropriate operations of the business of banks, thereby contributing to the sound development of the national economy.
Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federa ....
- Industry: Banking and Financial Services
The Secretary amends the Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL) Program, and William D. Ford Federal Direct Loan (Direct Loan) Program regulations to implement provisions of the Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008 (HEOA), and other recently enacted legislation
Effective Date: This rule is effective July 1, 2010
Unfair or Deceptive Acts or Practices
- Industry: Banking and Financial Services
On January 29, 2009, the Board published a final rule amending Regulation AA and the staff commentary to the regulation. The substantive requirements in the January 2009 Regulation AA Rule, which were scheduled to go into effect on July 1, 2010, have been superseded by provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act) that go into effect on February 22, 2010. Elsewhere in this issue of the Federal Register, the Board is implementing these Credit Card Act provisions in a new final rule amending Regulation Z. Accordingly, in order to avoid duplication and inconsistency, the Board is further amending Regulation AA to remove the substantive requirements in the January 2009 Regulation AA Rule. For procedural reasons, these requirements will be removed effective July 1, 2010. However, it is the Board’s intent that the substantive requirements of the January 2009 Regulation AA Rule will not take effect. The Board issued its January 2009 Regulation AA Rule jointly with rules issued by the Office of Thrift Supervision (OTS) and the National Credit Union Administration (NCUA). This final rule applies only to the Board’s Regulation AA and does not affect the rules issued by the OTS and NCUA.
Effective Date: This rule is effective July 1, 2010
Annual Financial and Actuarial Information Reporting; Pension Protection Act of 2006
- Industry: Banking and Financial Services
This is a final rule to amend PBGC’s regulation on Annual Financial and Actuarial Information Reporting. The amendments implement the provisions of the Pension Protection Act of 2006, Public Law 109–280 (PPA 2006), which changed the standards for determining which persons are required to report under section 4010 (Authority to Require Certain Information) of the Employee Retirement Income Security Act of 1974 and made other changes to the reporting requirements. In addition to providing guidance on implementing the PPA 2006 changes, the final rule waives reporting in certain cases for controlled groups with aggregate plan underfunding of $15 million or less, modifies the standards for determining which plans are exempt from the actuarial information requirements, revises the actuarial information requirements to conform with other PPA 2006 changes, and provides other clarifications
Effective Date: This rule is effective April 15, 2009
Prepaid Assessments - regulations requiring insured institutions to prepay their estimated quar ....
- Industry: Banking and Financial Services
The FDIC is amending its regulations requiring insured institutions to prepay their estimated quarterly risk-based assessments for the fourth quarter of 2009, and for all of 2010, 2011, and 2012. The prepaid assessment for these periods will be collected on December 30, 2009, along with each institution’s regular quarterly risk-based deposit insurance assessment for the third quarter of 2009. For purposes of estimating an institution’s assessments for the fourth quarter of 2009, and for all of 2010, 2011, and 2012, and calculating the amount that an institution will prepay on December 30, 2009, the institution’s assessment rate will be its total base assessment rate in effect on September 30, 2009.1 On September 29, 2009, the FDIC increased annual assessment rates uniformly by 3 basis points beginning in 2011.2 As a result, an institution’s total base assessment rate for purposes of estimating an institution’s assessment for 2011 and 2012 will be increased by an annualized 3 basis points beginning in 2011. Again for purposes of calculating the amount that an institution will prepay on December 30, 2009, an institution’s third quarter 2009 assessment base will be increased quarterly at a 5 percent annual growth rate through the end of 2012. The FDIC will begin to draw down an institution’s prepaid assessments on March 30, 2010, representing payment for the regular quarterly risk-based assessment for the fourth quarter of 2009
Effective Date: This rule is effective November 17,2009
Amendment of the Debt Guarantee Program To Provide for the Establishment of a Limited Six-Month ....
- Industry: Banking and Financial Services
To ensure an orderly phaseout of the Debt Guarantee Program (DGP), a component of the Temporary Liquidity Guarantee Program (TLGP), the FDIC is establishing a limited emergency guarantee facility. For most insured depository institutions and other entities participating in the DGP, the Debt Guarantee Program will conclude on October 31, 2009, with the FDIC’s guarantee expiring no later than December 31, 2012. To the extent that certain of those entities become unable to issue non-guaranteed debt to replace maturing senior unsecured debt because of market disruptions or other circumstances beyond their control, the emergency guarantee facility will be available on an application basis. In order to utilize the emergency guarantee facility, an entity must apply to, and receive prior approval from, the FDIC. If the application is approved, the FDIC will guarantee the applicant’s senior unsecured debt issued on or before April 30, 2010. Debt guaranteed under the emergency guarantee facility will be subject to an annualized assessment rate equal to a minimum of 300 basis points
Effective Date:This rule is effective October 23, 2009
Deposit Insurance Regulations; Temporary Increase in Standard Coverage Amount; Mortgage Servici ....
- Industry: Banking and Financial Services
The FDIC is adopting a final rule amending its deposit insurance regulations to: Reflect Congress’s extension, until December 31, 2013, of the temporary increase in the standard maximum deposit insurance amount (‘‘SMDIA’’) from $100,000 to $250,000; finalize the interim rule, with minor modifications, on revocable trust accounts; and finalize the interim rule on mortgage servicing accounts. The FDIC is also adopting technical, conforming amendments to its international banking regulations to substitute several existing references to ‘‘$100,000’’ with references to the SMDIA
Effective Date: This rule is effective October 19, 2009
Interest on Deposits - amendment to its regulations to eliminate restrictions on certain kinds ....
- Industry: Banking and Financial Services
The Federal Deposit Insurance Corporation (FDIC) is amending its regulations to eliminate restrictions on certain kinds of transfers from savings deposits for state chartered banks that are not members of the Federal Reserve System and insured branches of foreign banks. The Board of Governors of the Federal Reserve System (the FRB) has already amended its regulations to eliminate these restrictions for member banks. Because this change is ministerial, the FDIC has determined for good cause that public notice and comment is unnecessary and impracticable under the Administrative Procedure Act (the APA) and is implementing this change by means of a final rule without notice and comment.
Effective Date:This rule is effective September 15, 2009.
Final Rule Regarding Limited Amendment of the Temporary Liquidity Guarantee Program To Extend t ....
- Industry: Banking and Financial Services
To assure an orderly phase out of the Transaction Account Guarantee (TAG) component of the Temporary Liquidity Guarantee Program (TLGP), the FDIC is extending the TAG program for six months until June 30, 2010. Each insured depository institution (IDI) that participates in the extended TAG program will be subject to increased fees during the extension period for the FDIC’s guarantee of qualifying noninterest-bearing transaction accounts. However, each IDI that is currently participating in the TAG program will have an opportunity to opt out of the extended TAG program. Each IDI that is currently participating in the TAG program must review and update its disclosure postings and notices to accurately reflect whether it is participating in the extended TAG program.
Effective Date:This rule is effective October 1, 2009
Modification of Temporary Liquidity Guarantee Program
- Industry: Banking and Financial Services
The FDIC has issued this Final Rule to make permanent a minor modification to the Temporary Liquidity Guarantee Program (TLGP) to include certain issuances of mandatory convertible debt (MCD) under the TLGP debt guarantee program (DGP).
Effective Date:This rule is effective June 5, 2009
Truth in Savings - removal of provisions regarding the electronic delivery of disclosures
- Industry: Banking and Financial Services
NCUA is amending its Truth in Savings rule and official staff interpretation to remove the provisions regarding the electronic delivery of disclosures. The official staff interpretations are amended to include guidance on electronic disclosures. Additionally, NCUA is amending the rule to require all credit unions to disclose aggregate overdraft fees on periodic statements regardless of whether they promote the payment of overdrafts. The final rule also addresses account balance disclosures provided to members through automated systems
Effective Date:This rule is effective January 1 2010
Interest Rate Restrictions on Insured Depository Institutions That Are Not Well Capitalized
- Industry: Banking and Financial Services
The FDIC is amending its regulations relating to the interest rate restrictions that apply to insured depository institutions that are not well capitalized. Under the amended regulations, such insured depository institutions generally will be permitted to offer the ‘‘national rate’’ plus 75 basis points. The ‘‘national rate’’ will be defined, for deposits of similar size and maturity, as a simple average of rates paid by all insured depository institutions and branches for which data are available. For those cases in which the FDIC determines that the national rate as published on the FDIC’s Web site does not represent the prevailing rate in a particular market, as indicated by available evidence, the depository institution will be permitted to offer the prevailing rate in that market plus 75 basis points. The purpose of this final rule is to clarify the interest rate restrictions for certain insured depository institutions and examiners
Effective Date:This rule is effective December 3, 2009
Amendment of the Temporary Liquidity Guarantee Program To Extend the Debt Guarantee Program and ....
- Industry: Banking and Financial Services
The FDIC is issuing this final rule to amend the Temporary Liquidity Guarantee Program (TLGP) by providing a limited extension of the Debt Guarantee Program (DGP) for insured depository institutions (IDIs) participating in the DGP. The extended DGP also applies to other participating entities; however, other participating entities that did not issue FDICguaranteed debt before April 1, 2009 are required to submit an application to and obtain approval from the FDIC to participate in the extended DGP. The final rule imposes surcharges on certain debt issued on or after April 1, 2009. Any surcharge collected will be deposited into the Deposit Insurance Fund (DIF or Fund). The final rule also establishes an application process whereby entities participating in the extended DGP may apply to issue non- FDIC-guaranteed debt during the extension period. The final rule restates without change the interim rule published in the Federal Register by the FDIC on March 23, 2009.1
Effective Date: This rule is effective June 3, 2009
FEDERAL DEPOSIT INSURANCE CORPORATION
- Industry: Banking and Financial Services
The FDIC is amending our regulation to alter the way in which it differentiates for risk in the risk-based assessment system; revise deposit insurance assessment rates, including base assessment rates; and make technical and other changes to the rules governing the risk-based assessment system.
Effective Date:This rule is effective April 1, 2009
Processing of Deposit Accounts in the Event of an Insured Depository Institution Failure
- Industry: Banking and Financial Services
The FDIC is adopting a final rule establishing the FDIC’s practices for determining deposit and other liability account balances at a failed insured depository institution. Except as noted, the FDIC practices defined in the final rule represent a continuation of longstanding FDIC procedures in processing such balances at a failed depository institution. The final rule also imposes certain disclosure requirements in connection with sweep accounts. The final rule replaces the FDIC’s interim rule on this subject and applies to all insured depository institutions.
Effective Date: This rule is effective March 4, 2009
General and Non-Loan Programmatic Issues
- Industry: Banking and Financial Services
The Secretary amends the regulations for Institutional Eligibility Under the Higher Education Act of 1965, the Student Assistance General Provisions, the Federal Work-Study (FWS) Programs, the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program, the Federal Pell Grant Program, and the Leveraging Educational Assistance Partnership Program (LEAP) to implement various general and non-loan provisions of the Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008 (HEOA) and other recently enacted legislation. Effective Date: These regulations are effective July 1, 2010.
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