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Product Update Notification - 10/21/08 Regulation DD Policy Template Update Details What's New Topic 15 - Effect on State Laws. This new topic contains the following subtopics: Inconsistent Requirements Preemption Determinations Effect of Preemption Determinations Reversal of Determination What's Revised Topic 4 - Definitions. The following definitions were revised: Annual Percentage Yield Consumer Depository Institution Passbook Savings Account Topic 5 - General Account Disclosures. The following subtopics were revised: Form - Entire contents. Regulation E Disclosures - Entire contents. Rounding and Accuracy Rules - Bullet point 1 (Rounding). Topic 6 - Contents of Account Disclosures. The following subtopics were revised: Fees - New bullet points and final paragraph. Transaction Limits - New bullet points. Feature of Time Accounts - Bullet points 1 and 2 were revised. Topic 7 - Delivery of Account Disclosures. The entire contents of the "Account Opening" subtopic were revised. Topic 8 - Subsequent Account Disclosures. The following subtopics were revised: General Change in Terms - First set of bullet points 1 - 5 were revised. The following subtopics were added: Combined Statements Special Rule for Average Daily Balance Method Topic 10 - Payment of Overdraft Disclosures. A new subtopic entitled "General" was added. In addition, bullet points 9C, and 10 were revised within the "Advertising Disclosures for Overdraft Services" subtopic. Topic 11 - Payment of Interest. The following subtopics were revised: Permissible Methods of Paying Interest - Entire contents. Determination of Minimum Balance to Earn Interest - Entire contents. Compounding and Crediting - New second paragraph. Topic 13 - Bank Advertising. The following subtopics were revised: Misleading or Inaccurate Advertisements - Second bullet point 2. Permissible Rates - New final three paragraphs. Advertisement of Terms That Require Additional Disclosures - Revised bullet points 2 and 6. Bonuses - New final paragraph. Exemptions from Certain Advertisements - New bullet point 2 and revised bullet point 3. What's Deleted Topic 3 - Risk Management of Unfair or Deceptive Acts or Practices. This topic is now included in our Regulation AA Policy Template product. Product Contents Purpose and Contents - Topic 1 Policy Statement - Topic 2 Regulation DD Requirements - Topic 3 Definitions - Topic 4 General Account Disclosures - Topic 5 Contents of Account Disclosures - Topic 6 Delivery of Account Disclosures - Topic 7 Subsequent Account Disclosures - Topic 8 Periodic Statement Disclosures - Topic 9 Payment of Overdraft Disclosures - Topic 10 Payment of Interest - Topic 11 The Annual Percentage Yield - Topic 12 Bank Advertising - Topic 13 FDIC Requirements - Topic 14 Effect on State Laws - Topic 15 Fair Housing Requirements - Topic 16 CRA Requirements - Topic 17 Equal Credit Opportunity Act Requirements - Topic 18 Financial Advertising Code of Ethics Requirements - Topic 19 Audit Policy - Topic 20 Staff Training - Topic 21 Retention of Documentation - Topic 22 Ordering Information This product is available to purchase from Bankpolicies.com for: $200.00 - List Price - or - $25.00* - Update Price *Applies only to clients who have purchased the Regulation DD Policy Template within the last three years in addition to the following prior updates (if applicable): Regulation DD Policy Template Update - 12/18/07- $25.00 Regulation DD Policy Template Update - 12/05/06- $25.00 If you have ordered this product after 09/21/08 you are eligible to receive the product update at no charge. Click here to place an order for this product. Clients who are eligible for our Legacy Rewards Volume Discount can apply their applicable discount level to the list or update price (whichever applies). NOTE: Refer to our Place an Order page for important information regarding payment terms and our return policy. Orders placed for Product Updates are only available directly through Bankpolicies.com. Find Out What's New or Revised with our Product Update Program Our Product Update Program allows existing clients to receive e-mail notifications from us the same day we issue a new or revised product. We encourage you to subscribe today for this free and convenient service. |