Bank Policies: A Working Guide to Regulatory Compliance

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Regulatory compliance costs the banking industry hundreds of millions of dollars every year. And now the new risk management guidelines mandate that you have policies and procedures for everything from credit risk to liquidity risk. Even interest rate and legal risks must have their own policies and procedures.

Bank Policies: A Working Guide to Regulatory Compliance is your blueprint for developing and implementing the policies mandated by the regulators. Guidelines and sample materials help save hours of time and help ensure that your bank has effective, proven policies that have been implemented by banks just like yours.

Policies include:
•  Underwriting Standards
•  Identity Theft
•  Electronic Banking
•  Problem Loans
•  Social Media
•  Foreclosures
•  Private Banking
•  Strategic Planning
•  Asset/Liability Management
•  Debit Cards
•  Capital and Dividend Planning
•  Customer Privacy
•  CRA and Fair Lending Laws
•  Investments
•  Loan Review and Credit Scoring

The Bank Policies manual has been structured to meet the needs of different users — from policy developers to those supervising or evaluating the work of others. Policy developers will find that this book will help them to organize their approach to bank policy and to ensure that specific areas are covered and analyzed during the policy development process.

For those managing the development process, this manual will help in reviewing the effectiveness and adequacy of your bank policies — whether you are testing to see if a particular area is covered by a policy, determining whether a policy contains the information required, assessing the scope of a policy, or ensuring that a policy meets the requirements of regulatory agency examiners.

Subscribers will receive a downloadable file containing editable forms

Editable Documents

The publication subscription includes downloadable files delivered through the LexisNexis® Store download center. The downloadable files include the following features:

•  The entire publication is provided in a Folio infobase, offering a robust search engine and the ability to jump from one search match to the next through the entire publication. The Table of Contents for the entire publication can be viewed side-by-side with the text.

•  Editable Microsoft® Word files are included in the Folio infobase and can be downloaded and customized. The Word files are fully formatted and will be updated to reflect changes made in corresponding text sections of the publication. Word files are provided for a variety of documents, including exhibits, checklists, sample policies, sample procedures, sample audits, questionnaires, and model forms.

This publication includes editable Word files for the following documents:

No.     Title
   1.1      Policy Needs Assessment Worksheet
1.2      Sample Policy Tracking Form
1.3      Comptroller of the Currency's Pre-Opening Policy Analysis
1.4      Policy Review/Enhancement/Writing Timeline
1.6      General Policy Review Matrix
1.8      Minimum Policies and Procedures Checklist
2.1      Conflict of Interest/Code of Ethics
2.2      Capital Planning
2.3      Dividend Planning
2.4      Audit
2.5      Regulatory Compliance
2.6      Strategic Planning
2.7      Branching
2.8      Human Resources
2.9      Board Supervision
2.10    Affiliate Transactions
2.11    Management Succession
2.12    Risk Management
2.13    Marketing and Advertising
2.14    Training
2.15    New Products/Services
2.16    Compensation
2.17    Charitable Contributions
2.19    Internal Controls
2.20    Insider Activities
2.21    Standards for Safety and Soundness
2.22    Risk Control
2.23    Americans with Disabilities Act
2.24    Customer Data Protection/Privacy
2.25    Complying with the USA PATRIOT Act
2.26    Complaint
2.27    Financial Modeling
2.28    Litigation
2.29    Due Diligence — Acquisitions
2.30    Preventing Elder/Impaired Customer Abuse
2.31    Social Media
2.32    International Banking
3.1      Credit Risk
3.2      Loan Review
3.3      Loans to Insiders
3.4      Other Real Estate Owned
3.5      Problem Loans
3.6      Community Reinvestment Act — Large Institutions
3.7      Community Reinvestment Act — Intermediate Small Institutions
3.8      Community Reinvestment Act — Small Institutions
3.9      Allowance for Loan and Lease Losses
3.10    Credit Cards
3.11    Fair Lending
3.12    Asset Management
3.13    Real Estate Appraisals and Evaluations
3.14    Direct Leasing
3.15    Asset Securitization
3.16    Credit Scoring
3.17    Trade Financing
3.18    Subprime Lending
3.19    Accounts Receivable and Inventory Financing
3.20    Bankers' Acceptances
3.21    Mortgage Banking
3.22    Fair Credit Reporting Act
3.23    Stress Testing
3.24    Concentrations of Credit
3.25    Overdraft Policies
3.26    Collections Policy
3.27    Loan Originator Compensation and Steering
3.28    Commercial Real Estate Policy
3.29    SAFE Act Program
3.30    Environmental Risk Management
3.31    Foreclosures
3.32    Consumer Lending
4.01    Investments
4.02    Funds Management (A/L Management)
4.03    Brokered Funds
4.04    Retail Nondeposit Investment Sales
4.05    Discount Brokerage
4.06    Profit Planning/Budgeting
4.07    Regulatory Reporting
4.08    Interest Rate Risk
4.09    Fixed Assets
4.10    Expense Payments
4.11    Securities Trading
4.12    Transfer Agent Activities
4.13    Securitization Activities
4.14    Outsourcing
4.15    Private Banking
4.16    Purchases of Life Insurance
4.17    Due from/Due to Correspondent Accounts
4.18    Purchase of Insurance
4.19    Accounts Payable
4.20    Foreign Exchange
4.21    Accounting
4.22    Mortgage Servicing
5.1      Physical Security
5.2      Information Security
5.3      Daylight Overdrafts
5.4      Expedited Funds Availability
5.5      Contingency Planning and Disaster Recovery
5.6      Data Processing
5.7      Bank Secrecy Act
5.8      Record Retention and Recordkeeping
5.9      Personal Computer End-User Security
5.10    Wire Transfer
5.11    Deposits
5.12    Purchasing
5.13    Personal Banking
5.15    Teller Operations
5.16    Interbank Liabilities
5.17    Safe Deposit Box Operations
5.18    Night Deposit Services
5.19    Merchant Bank Card Processing
5.20    Antitying
5.21    Right to Financial Privacy
5.22    Customer Identification Program
5.23    Debit Card Product
5.24    Electronic Funds Transfer Systems
5.25    Economic Sanctions Under OFAC
5.26    Basic Financial Services
5.27    Call (Phone) Center
5.28    Data Management and Management Information Systems
5.29    Unclaimed Property/Escheat
5.30    Identity Theft
5.31    Prepaid Card Activities
5.32    Anti-Money Laundering
5.33    Automated Clearing House
5.34    Remote Deposit Capture
5.35    Identity Theft Prevention Program
5.36    Outsourcing Information Security
5.37    Prohibition on Funding of Unlawful Internet Gambling
5.38    Incident Response
5.39    Mobile Banking
5.40    Do Not Call
5.41    Social Media
5.42    Password Security
6.1      Security
6.2      Emergency and Disaster Recovery
6.3      Risk Assessment and Insurance
6.4      Internal and External Audit
6.5      Data Processing Management Steering Committee
6.7      Servicing Arrangements
6.8      Short- and Long-Range Planning
6.9      Computer Operations
6.10    Software, Programming, and Package Purchase
6.12    Microcomputer
6.14    Accounting for Software Development Costs
6.15    Ethics and Employee Conduct for DP Personnel
6.17    Local Area Networks
6.18    Electronic Funds Systems
6.20    Small Bank Data Processing
6.21    Training and Education
6.22    Contracting with Vendors
6.23    Forms Management
6.24    Regulatory Compliance Risk Management
6.25    Electronic Imaging
6.26    Service Requests
6.29    Forms Design
6.30    Microcomputer Controls
6.31    Transaction Processing
6.32    Management Information Systems
6.33    Electronic Banking
6.34    Electronic Banking Information Authentication
6.35    Electronic Mail (E-Mail) Systems
6.36    Internet Access
6.37    Online Privacy
6.38    PC/LAN Management
6.39    Terrorism
6.40    Server Security
6.41    Data and Records Destruction
6.42    Personal Computer End-User Security
6.43    Controls Review
7.01    Conflict of Interest/Code of Ethics Policy Checklist
7.02    Capital Planning Policy Checklist
7.03    Dividend Planning Policy Checklist
7.04    Audit Policy Checklist
7.05    Regulatory Compliance Policy Checklist
7.06    Strategic Planning Policy Checklist
7.07    Human Resources Policy Checklist
7.08    Board Supervision Policy Checklist
7.09    Affiliate Transactions Policy Checklist
7.10    Management Succession Policy Checklist
7.11    Risk Management Policy Checklist
7.12    Marketing and Advertising Policy Checklist
7.13    Training Policy Checklist
7.14    New Products/Services Policy Checklist
7.15    Compensation Policy Checklist
7.16    Charitable Contributions Policy Checklist
7.17    Management Supervision Policy Checklist
7.18    Internal Controls Policy Checklist
7.19    Insider Activities Policy Checklist
7.20    Standards for Safety and Soundness Policy Checklist
7.21    Risk Control Policy Checklist
7.22    Branching Policy Checklist
7.23    Complaint Policy Checklist
7.24    Preventing Elder/Impaired Customer Abuse Policy Checklist
7.24A Social Media Policy Checklist
7.24B Prohibition on Funding Unlawful Gambling Activities Policy Checklist
7.24C Litigation Policy Checklist
7.25    Loans to Insiders Policy Checklist
7.26    Allowances for Loan and Lease Losses Policy Checklist
7.27    Loan Review Policy Checklist
7.28    Other Real Estate Owned Policy Checklist
7.29    Problem Loans Policy Checklist
7.30    Community Reinvestment Act — Small Institutions Policy Checklist
7.31    Community Reinvestment Act — Intermediate Small Institutions Policy Checklist
7.32    Community Reinvestment Act — Large Institutions Policy Checklist
7.33    Asset Securitization Policy Checklist
7.34    Credit Risk Policy Checklist
7.35    Credit Cards Policy Checklist
7.36    Fair Lending Policy Checklist
7.37    Real Estate Appraisals and Evaluations Policy Checklist
7.38    Direct Leasing Policy Checklist
7.39    Trade Financing Policy Checklist
7.40    Subprime Lending Policy Checklist
7.41    Accounts Receivable and Inventory Financing Policy Checklist
7.42    Banker's Acceptances Policy Checklist
7.43    Credit Scoring Policy Checklist
7.44    Asset Management Policy Checklist
7.45    Mortgage Banking Policy Checklist
7.46    Concentrations of Credit Policy Checklist
7.47    Environmental Risk Management Policy Checklist
7.48    Overdrafts Policy Checklist
7.49    Stress Testing Policy Checklist
7.50    Collections Policy Checklist
7.50A Fair Credit Reporting Policy Checklist
7.50B Mortgage Originator Compensation Policy Checklist
7.50C Commercial Real Estate (CRE) Policy Checklist
7.50D Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) Policy Checklist
7.50E Foreclosure Policy Checklist
7.50F Leverage Finance Policy Checklist
7.50G Consumer Lending —Loan Portfolio Management Policy Checklist
7.51    Funds Management (A/L Management) Policy Checklist
7.52    Profit Planning/Budgeting Policy Checklist
7.53    Investments Policy Checklist
7.54    Brokered Funds Policy Checklist
7.55    Retail Nondeposit Investment Sales Policy Checklist
7.56    Discount Brokerage Policy Checklist
7.57    Outsourcing Policy Checklist
7.58    Expense Payment Policy Checklist
7.59    Private Banking Policy Checklist
7.60    Purchases of Life Insurance Policy Checklist
7.61    Regulatory Reporting Policy Checklist
7.62    Interest Rate Risk Policy Checklist
7.63    Fixed Assets Policy Checklist
7.64    Expense Payments Policy Checklist
7.65    Transfer Agent Activities Policy Checklist
7.66    Securities Trading Policy Checklist
7.67    Securitization Activities Policy Checklist
7.68    Due from/Due to Correspondent Accounts Policy Checklist
7.69    Purchase of Insurance Policy Checklist
7.70    Foreign Exchange Policy Checklist
7.71    Accounts Payable Policy Checklist
7.71A Accounting Policy Checklist
7.71B Mortgage Servicing Policy Checklist
7.72    Physical Security Policy Checklist
7.73    Information Security Policy Checklist
7.74    Daylight Overdrafts Policy Checklist
7.75    Expedited Funds Availability Policy Checklist
7.76    Private Sector Systems Policy Checklist
7.77    Contingency Planning and Disaster Recovery Policy Checklist
7.78    Bank Secrecy Act Policy Checklist
7.79    Personal Computer End-User Security Policy Checklist
7.80    Wire Transfer Policy Checklist
7.81    Deposits Policy Checklist
7.82    Purchasing Policy Checklist
7.83    Personal Banking Policy Checklist
7.84    Service Fees Policy Checklist
7.85    Teller Operations Policy Checklist
7.86    Interbank Liabilities Policy Checklist
7.87    Safe Deposit Box Operations Policy Checklist
7.88    Night Deposit Services Policy Checklist
7.89    Merchant Bank Card Processing Policy Checklist
7.90    Antitying Policy Checklist
7.91    Right to Financial Privacy Policy Checklist
7.92    Electronic Funds Transfer Systems Policy Checklist
7.93    Record Retention and Recordkeeping Policy Checklist
7.94    Data Management and Management Information Systems Policy Checklist
7.95    Call Center Policy Checklist
   7.96    Unclaimed Property/Escheat Policy Checklist
7.97    Customer Identification Program Policy Checklist
7.98    Data Processing Policy Checklist
7.99    Debit Card Product Policy Checklist
7.100  Economic Sanctions Under OFAC Policy Checklist
7.101  Basic Financial Services Policy Checklist
7.102  Bank Secrecy Act/CIP Sub-Policy Policy Checklist
7.103  Prepaid Cards Policy Checklist
7.104  Consigned Items Policy Checklist
7.105  Identity Theft Policy Checklist
7.106  Remote Deposit Capture 7.107  Information Security Outsourcing
7.107A  Mobile Banking Policy Checklist
7.107B  Do Not Call Policy Checklist
7.108  Data Processing Security Policy Checklist
7.109  Emergency Planning and Disaster Recovery Policy Checklist
7.110  Risk Assessment and Insurance Policy Checklist
7.111  Servicing Arrangements Policy Checklist
7.112  Computer Operations Policy Checklist
7.113  Microcomputer Policy Checklist
7.114  Electronic Funds Transfer Systems Policy Checklist
7.115  Electronic Imaging Policy Checklist
7.116  Transaction Processing Policy Checklist
7.117  Management Information Systems Policy Checklist
7.118  Data Processing Online Privacy Policy Checklist
7.119  Data Processing Regulatory Compliance Risk Management Policy Checklist
7.120  Forms Management Policy Checklist
7.121  Software, Programming, and Package Purchase Policy Checklist
7.122  PC/LAN Management Policy Checklist
7.123  Data Processing Management Steering Committee Policy Checklist
7.124  Accounting for Software Development Costs Policy Checklist
7.125  Ethics and Employee Conduct for Data Processing Personnel Policy Checklist
7.126  Local Area Networks Policy Checklist
7.127  Data Processing Management Policy Checklist
7.128  Internal and External Audit Policy Checklist
7.129  Short-and Long-Range Planning Policy Checklist
7.130  Small Bank Data Processing Policy Checklist
7.131  Training and Education Policy Checklist
7.132  Electronic Banking Information Authentication Policy Checklist
7.133  Electronic Banking Policy Checklist
7.134  Data and Records Destruction Policy Checklist
7.135  Personal Computer End-User Security Policy Checklist
7.136  Forms Design Policy Checklist
7.137  Service Request Policy Checklist
7.138  Internet Access Policy Checklist
7.139  Vendor Management Policy Checklist
7.140  E-Mail Systems Policy Checklist
7.141  Microcomputer Controls Policy Checklist
7.142  Server Security Policy Checklist
7.143  Terrorism Policy Checklist
7.144  Controls Review Policy Checklist
AppA.01 Conflict of Interest/Code of Ethics

Authors / Contributors

Table of Contents

Chapter 1: The Policy Development Process and Board 
Participation

Chapter 2: Executive Group Sample Policies

Chapter 3: Lending Sample Policies

Chapter 4: Treasury/Finance Sample Policies

Chapter 5: Operations Sample Policies

Chapter 6: Data Processing Sample Policies

Chapter 7: Policy Checklists

Part A - Executive

Part B - Lending

Part C - Treasury/Finance

Part D - Operations

Part E - Data Processing

Appendixes

Appendix A: Policy Implementation Information Worksheet

Appendix B: Regulatory Issuances on Standardized Examination Data Requests