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WBA Compliance Center

The WBA Compliance Center is designed to highlight the services your bank can use to stay on top of the various compliance issues you will soon be facing.

The recently passed federal financial regulatory reform bill (Dodd-Frank Wall Street Reform and Consumer Protection Act) will deeply affect the future of the banking industry in Wisconsin. It has been conservatively estimated that the Dodd-Frank bill will generate 5,000 pages of new rules. Banks will be subject to at least 30 new or expanded regulations as a result of the enactment of the most sweeping rewrite of banking laws since the Great Depression. This will add to banks’ already high compliance costs and limit revenue opportunities.

Let WBA help you. Use the resources listed on this page to keep your compliance issues under control.

 

 

To help members avoid social media missteps, WBA now has a Model Social Media policy available for purchase by member banks. The policy, drafted by the WBA Legal Department, includes instructions and options enabling you to customize the policy to your institution’s unique needs. It is delivered electronically via the Internet, so you can quickly review and customize the text. The policy also incorporates the latest developments and opinions from the National Labor Relations Board (NLRB).

Order the WBA Model Social Media Policy

  

Latest Compliance News
FinCEN proposes AML rule for investment advisors
Aug. 27, 2015
FinCEN had published a proposed rule that would require certain investment advisors to establish AML programs and report suspicious...
2014 CRA data now available
Aug. 26, 2015
The FDIC, FRB and OCC have issued a joint press release announcing the availability of data on small business, small farm, and...
CFPB announces publication of credit report complaints
Aug. 26, 2015
The CFPB has announced in a news release the publication of its Complaint Report for the month of August, which features credit...
CFPB publishes layman's guide for fiduciaries
Aug. 25, 2015
The CFPB has published a "plain-language" guide for lay fiduciaries in certain states, including Illinois. Guides for more states will...
FDIC updates national rates
Aug. 24, 2015
The FDIC has updated its weekly national rates and rate caps.
FHFA adopts final rule with housing goals for Fannie, Freddie
Aug. 20, 2015
The FHFA has published its final rule establishing single-family and multifamily housing goals for Fannie Mae and Freddie Mac for...
Read more in the archive
  
WBA Model Policy Library for Corporate Governance

Introducing the WBA Model Policy Library for Corporate Governance! Here your bank is able to purchase a single policy or charter or can mix and match a variety. Click here for more information and a complete list of the materials developed for this resource.

  
TILA/RESPA Resources

TILA/RESPA Resources to help you implement the new disclosures:

  
Pre-Order "Your Home Loan Toolkit"

Effective October 3, 2015

Created by the CFPB, Your Home Loan Toolkit - A Step-by_step Guide will replace the existing Settlement Cost Booklet. This booklet is designed to be used in connection with the new Loan Estimate and Closing Disclosure Form.

Starting October 3, 2015 creditors must provide this new booklet to mortgage applicants as a part of the application process. Order the Settlement Cost Booklet for materials needed before October 3, 2015.

Booklets will begin shipping by July 8, 2015

To place your order with FIPCO, complete and fax the FIPCO order form or order from FIPCO’s website.

  
WBA Best Practices Library

WBA’s Best Practices Library is now open with over 75 resources including model forms, affidavits and even sample presentations for use in speeches! WBA's banker-driven committees have developed a variety of best practices for the use of WBA's members. Access this virtual library of free resources at www.wisbank.com/BestPractices.

  
Compliance Toolkits

As part of an ongoing effort to assist members with compliance efforts, WBA is adding a variety of compliance toolkits to its collection.

The latest is the WBA Third-Party Securities Networking Relationships Toollkit. Available free of charge, this toolkit, created by the Boardman Law Firm, details what bankers should know about broker-dealers providing services on bank premises.

Download any the kits below by clicking here.

WBA Third-Party Securities Networking Relationships Toolkit

WBA Executive & Incentive Compensation Toolkit

WBA FDIC Insurance Changes for Noninterest-bearing Transaction Accounts Toolkit

WBA SAFE Act Toolkit

WBA Dodd-Frank Toolkit

  
ABA Dodd-Frank Tracker

This regulatory reform calendar provided by the American Bankers Association organizes content into three categories: comment letter deadlines; effective and implementation dates; and hearings and meetings.

View calendar

  
WBA Compliance Journal

The WBA Compliance Journal is intended to provide accurate information in regard to the subject matter covered as of the date of publication; however, the information does not constitute legal advice. Click to read a preview of the latest issue of the WBA Compliance Journal.

  
Legal Q&A

The information provided in these articles is not intended to provide legal advice; rather, it is intended to provide general information about banking issues. Consult your institution’s attorney for special legal advice or assistance. Read Legal Q&A articles.

  
WBA Models

Model Pandemic Influenza Plan available
(Updated June 2009 with information on the H1N1 flu virus, and more)
Given the need for financial institutions to create a plan, WBA has prepared a model pandemic influenza plan for WBA members. The model is designed to be used on its own or as part of an institution's broader disaster recovery plan. Since the plan is intended as a model only, it must be customized by each financial institution to their specific situation prior to its implementation and use. Download the model here.

  
Education Opportunities
  
WBA Forms

WBA forms offered by FIPCO have been accepted as standard by bank regulatory agencies, attorneys and the Wisconsin judiciary. In conjunction with legal counsel, these forms are developed and reviewed and constantly updated by the WBA Drafting Team, helping to ensure compliance with State and Federal regulations.

 

Electronic Forms
Electronic files of commonly used WBA forms are available in various formats. These WBA form images are available using Microsoft® Word, Adobe Reader or other third party software systems. The images, or eForms, can be electronically filled out and printed.

WBA Hard Copy Forms
Over 430 forms relating to consumer, real estate, commercial, agricultural and municipal loans; deposit accounts; safe deposit boxes; and deposit and operations are available. Forms are purchased by financial institutions, dealerships, attorneys and realtors.

More information is available here. For more information contact FIPCO Sales.

  
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