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Compliance Couriers

Be careful when accepting check deposits from new businesses

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CFPB guidance targets “illegal junk fees” on bad check deposits, overdrafts

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CFPB orders VyStar Credit Union to pay 1.5 million for a botched conversion

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CFPB proposes capping OD fees for largest banks & CUs

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CFPB says it will ask court to void “open banking” rule

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CFPB seeks comments on “open banking” rule changes

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CFPB seeks information on so-called “junk fees”

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CFPB wants to ban NSF fees for “instantaneously declined transactions”

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CFPB withdraws 67 guidance documents

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CFPB withdraws proposal to bar certain NSF fees, but warns it may try again

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Changes to state MBL definition will take effect June 1

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Corporate Transparency Act declared unconstitutional, but BOI reporting still required here

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CUs can charge dormant/inactive account fees, but unclaimed property law has its limits

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CUs should consider action steps in response to “debanking” executive order

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Don’t unilaterally reopen closed consumer deposit accounts

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Fed proposes to cut interchange fees on debit card transactions

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FinCEN eases beneficial ownership verification at each new account opening

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FinCEN finalizes “beneficial ownership information” rule

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FinCEN issues “notice to customers,” a beneficial ownership information reference guide

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FinCEN issues additional updates to Beneficial Ownership Information

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FinCEN issues Compliance Guide and FAQs to help small businesses report Beneficial Ownership Information

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FinCEN provides “informal” guidance on completing CTRs for deposits into business accounts

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Free webinar to cover League account forms updates

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Get ready for new remittance transfer tax & “Trump Accounts”

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League comments on CFPB’s plan to bar certain NSF fees

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League overhauls funds transfer agreement form

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League seeks CU input on CFPB’s “open banking” proposal

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Maintaining account documentation standards

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Naming “heirs” as POD beneficiaries raises compliance risks

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Native American group sues Wisconsin bank, alleging discrimination

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Navy Federal ordered to refund members and banned from charging certain overdraft fees

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NCUA joins CFPB in warning against “unfair” overdraft & NSF fees

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NCUA Share Insurance webinar on April 13

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New state law covers ABLE accounts & other financial services

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NY FCU settles overdraft case for 5.2 million

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Postal Service redesigns its money orders

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President signs resolution nullifying overdraft fee rule

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Representative payee account and lending

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Texas federal court strikes down DOL overtime rule

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Three WCUL account forms updated

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Treasury proposes rules for 1% excise tax on remittances

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What is the status of pending federal regulations?

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Wisconsin allows prize-linked savings; League working on statewide program

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Wisconsin credit unions threatened with overdraft lawsuits

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Wisconsin CUs back Round 1 of NCUA Deregulation Project

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Federal Regulations

Wis. Admin. Code: DFI-CU 60

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Federal Statutes

Wis. Stats: 186 Credit Unions (state-chartered only) as regarding accounts

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Wis. Stats: 705 Multiple-party and Agency Accounts; Nonprobate Transfers at Death; Transfer on Death Security Registration.

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ii Releases

0002 WCUL Membership and Account Forms

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0008 Dormant Accounts

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0009 Taxpayer Identification Number (TIN) Certifications

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0012 Custodial Accounts Under UTMA and Services for Minors

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0015 WCUL Share Certificate #82012

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0019 Christmas and Vacation Club Accounts

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0049 Selected Check / Share Draft Issues Under the UCC

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0099 Reg. CC – Check Returns & Indorsements

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0100 Reg. CC – Expedited Funds Availability

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0101 Truth in Savings

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0113 NCUA Rules on Account Insurance Coverage

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0116 Trusts

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0127 Funds Transfers Under UCC Article 4A

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0129 Social Security Representative Payees & Veterans Affairs Fiduciaries

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0132 Regulation D – Reserve Requirements of Depository Institutions

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0133 Check Fraud – A Guide to Avoiding Losses

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0134 Public Deposits

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0136 Notice of Levy

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0137 Special Accounts for Hardships

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0148 OFAC Compliance

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0150 Electronic Transfer Accounts (ETAs)

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0151 Data Match Programs

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0159 BSA: Customer Identification Program and Customer Due Diligence

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0161 Organization Accounts

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0163 Reg. CC – Substitute Checks

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0168 Powers of Attorney

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0169 Overdraft Protection Programs

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0171 FFIEC’s Authentication and Access to Financial Institution Services and Systems Guidance

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0172 Worthless Check Information

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0173 Guardianship

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0176 Client Trust Accounts for Attorneys and Others

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0184 Saver’s Sweepstakes® Compliance FAQs

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Resources

America’s Credit Unions: Compliance e-Guide

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NCUA: NCUA Insurance Call Center – (800) 755-1030, ext. 1

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Other

#81034 – Account Information Change Request (Rev. 7/23)

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#81035 – Automatic Transfer Request (Rev. 7/23)

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#81036 – Custodial Account Ownership Agreement (Rev. 7/23)

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#81043 – Funds Transfer Agreement & Notice (Rev. 2/26)

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#81056 – Credit Union Membership Application (Rev. 5/15)

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#81057 – Business/Organization Account Ownership Agreement (Rev. 8/25)

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#81075 – Depository Declaration and Agreement (Rev. 9/02, Modified 1/21)

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#81080 – Customer Identification Card (Rev. 5/15)

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#82012 – Credit Union Share Certificate (Rev. 8/25)

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#82021 – Trust-Credit Union Agreement (Rev. 10/98)

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#82024 – Account Ownership Agreement (Rev. 9/25)

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#82058 – Deposit Account Adverse Action Notice (Rev. 7/23)

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#82089 – Real Estate Equity Advance Plan (R.E.A.P.) Share Draft Account Agreement (Rev. 06/15)

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#82090 – Rules For Use of Your R.E.A.P. Share Draft Account (Rev. 06/15)

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#83000 – Wisconsin Claim and Declaration of Loss for Lost, Stolen, or Destroyed Credit Union Cashier’s Check or Teller’s Check (Rev. 1/20)

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#83005 – Your Account Agreement, with Arbitration Agreement (Rev. 10/21)

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#83006 – Your Account Agreement (Rev. 4/21)

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