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Checks and Balances: Doing Overdraft Protection Coverage the Right Way ( January 2005 )
<p>Characterized by the Comptroller of the Currency in September, 2003 as an "accident waiting to happen," bounce protection (the service by which a bank <i>chooses</i> to pay a transaction account customer's NSF item and assess an overdraft fee for this prompt repayment obligation) has become subject to considerable bank regulatory and customer scrutiny. -
Filling the M&A Financing Void ( March 2004 )
The national economy is improving, mergers and acquisitions (M&As) and other activity are picking up steam, and corporate demand for funding is rising. In this market, cashflow-based debt financing can offer significant advantages over equity-based funding, say experts from Wharton and from GE's Corporate Lending team. But Federal Reserve data indicate that banks are retreating from the corporate lending market. In the wake of their pullback, nonbank financial institutions like GE Corporate Lending appear ready to fill the void. -
U.S. Supreme Court Update ( November 2003 )
Among the cases to be decided by the U.S. Supreme Court during 2003-2004 are three that should be of interest to commercial clients: how a corporate owner's payments into a profit sharing plan under ERISA should be treated in a bankruptcy case (<i>Yates v. Henton</i>), how credit card limit fees are characterized in the Truth in Lending Act (<i>Household Credit Services, Inc. v. Pfennig</i>), and whether the IRS may collect the tax debts of a partnership from individual partners absent a separate assessment against those partners (<i>United States v. Galletti</i>). -
Protecting Yourself Against Investment Fraud ( January 1999 )
Pigeon drop and bank examiner schemes are common scams. Each year hundreds of people are swindled out of their money--sometimes their life savings. This primer provides a basic overview of these fraud schemes and provides some tips to stop and avoid investment fraud. -
Mortgage Banking Update ( November 2001 )
Articles include 'Federal Reserve Board Amends Regulation Z Disclosure Requirements,' 'Minesota Court Affirms Order Conditioning The Truth in Lending Act Rescission on Payment by Borrower of Principal, Interest and Late Charges,' and 'HUD Issues Guidance on Completing HUD-1 HUD-1A and Good Faith Estimate Forms For Home Mortgage Loans.' -
Private Mortgage Insurance And The Homeowner's Protection Act of 1998 ( October 1999 )
Looks at the Homeowner's Protection Act of 1998 and its effect on private mortgage insurance. -
FTC Review ( August 2000 )
In this edition of the FTC Review, the author discusses a FTC ruling that requires Doan's Pills to run corrective advertising. In addition, this edition provides an update on several FTC clean sweeps that are occurring in the travel and the internet. -
Consumer Finance Alert ( January 2000 )
This alert summarizes a US District Court of Delaware's decision holding mandatory arbitration clauses in a "pay day" loan agreement as unenforceable on the grounds that it frustrated the purposes of the Truth in Lending Act (TILA) and the Electronic Funds Transfer Act (EFTA).
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