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Accounts
Accounts IntroductionAccount Types and OwnershipAlien (Non-US Citizen) Accounts (Arkansas/Kansas/Oklahoma/Texas)Banking Hemp-Related Businesses (Texas)Business AccountsCharitable Donation AccountsCheck 21Check and Share Draft Laws/UCC Articles 3 and 4 (Arkansas/Oklahoma/Texas)Check and Share Draft Laws/UCC Articles 3 and 4 (Kansas/Missouri)Check Collection, Settlement and Funds Transfers Through Federal Reserve BanksChild Support Data Matching (Arkansas/Kansas/Oklahoma/Texas)Child Support Data Matching (Missouri)Deceased Member Issues (Arkansas/Oklahoma/Texas)Deceased Member Issues (Kansas/Missouri)Divorce and Accounts (Texas)Dormant and Inactive Accounts (Arkansas)Dormant and Inactive Accounts (Kansas/Missouri)Dormant and Inactive Accounts (Oklahoma)Dormant and Inactive Accounts (Texas)Escheat Requirements (Arkansas/Oklahoma/Texas)Escheat Requirements (Kansas/Missouri)Expedited Funds Availability - Regulation CCFiduciary AccountsGuardianship (Arkansas/Oklahoma/Texas)Health Savings AccountsIndividual Retirement Arrangements (IRAs)Interest on Lawyers Trust Account (IOLTA)Marijuana-, Hemp- and Cannabis-Related AccountsMembership Expulsion and/or Service Limitation (Arkansas/Oklahoma/Texas)Membership Expulsion and/or Service Limitation (Kansas/Missouri)Minor AccountsMultiple Party Accounts (Arkansas)Multiple Party Accounts (Oklahoma)Multiple Party Accounts (Texas)Overdraft Payment ProgramsPower of Attorney (Arkansas)Power of Attorney (Kansas/Missouri)Power of Attorney (Oklahoma)Power of Attorney (Texas)Prepaid AccountsPrivacyRepresentative PayeesReserve Requirements - Regulation DSafe Deposit BoxesSafe Deposit Boxes (Arkansas/Kansas/Oklahoma/Texas)Savings BondsShare Certificate Accounts/Certificates of Deposit (Oklahoma/Texas)Share InsuranceTrusts (Arkansas/Oklahoma/Texas)Trusts (Kansas/Missouri)Truth In SavingsUniform Transfer to Minors Act (Kansas/Missouri)Uniform Transfers to Minors Act (Arkansas)Uniform Transfers to Minors Act (Oklahoma)Uniform Transfers to Minors Act (Texas)US Savings BondsWire Transfers (Texas)
ACH/Electronic Payments
ACHAmericans with Disabilities Act - ATM AccessATM SurchargingAuthentication in Internet BankingElectronic Check ConversionElectronic Fund Transfers - Regulation EElectronic Returns Under Reg CCElectronic Signatures (ESIGN)Funds Transfers – Regulation J and UCC Article 4A (Arkansas/Oklahoma/Texas)Funds Transfers - Regulation J and UCC Article 4A (Kansas/Missouri)International ACH Transactions: International Payments (IAT)NACHA Account ValidationPerson-to-Person (P2P) TransactionsRemittance TransfersSame Day ACH PaymentsThird-Party SendersUniform Electronic Transactions Act (Arkansas/Oklahoma/Texas)Uniform Electronic Transactions Act (Kansas/Missouri)Unlawful Internet Gambling (Reg GG)VISA and MasterCard Debit Card Rules
Advertising
Advertising Consumer LeasesAdvertising Deposit AccountsAdvertising LoansAdvertising Overdraft ProgramsAdvertising Safe Deposit Facilities (Arkansas/Oklahoma/Texas)Americans with Disabilities Act - Audits and Website AccessibilityCAN-SPAMEndorsements and TestimonialsFederal Advertising RegulationsFTC Mortgage Acts and PracticesJunk Fax Prevention ActNative AdvertisingNCUA Advertising Signage RequirementsNight Deposit FacilitiesNon-Deposit Investment ProductsPotential Violations of Common Bond Advertising RequirementsPrescreen Opt-Out NoticePromotions and Lotteries (Arkansas/Oklahoma/Texas)Promotions and Lotteries (Kansas/Missouri)Social Media Risk ManagementTelephone Consumer Protection ActTrademark Law - The Lanham ActUDAP/UDAAP
Bank Secrecy Act
Bank Secrecy Act OverviewBank Secrecy Act Compliance ProgramBank Secrecy Act: Additional ResourcesCurrency Transaction ReportsCustomer Due Diligence and Beneficial OwnershipCustomer Identification ProgramFinCEN BSA Leadership ExpectationsInformation SharingMarijuana-Related and Hemp-Related BusinessesMember Due DiligenceMonetary InstrumentsOFACRecordkeepingReport of Foreign Bank and Financial AccountsRisk AssessmentSectoral Sanctions Identification ListSuspicious Activity ReportsVirtual CurrencyWire Transfers
Bankruptcy and Collections
BankruptcyCollection PracticesExemptions (Arkansas/Oklahoma/Texas)Exemptions (Kansas/Missouri)Fair Debt Collection Practices ActFair Debt Collection Practices Act (Texas)Foreclosure (Arkansas/Oklahoma/Texas)Foreclosure (Kansas/Missouri)Garnishment of Federal Benefit PaymentsGarnishments (Arkansas)Garnishments (Kansas/Missouri)Garnishments (Oklahoma)Garnishments (Texas)Late ChargesRepossession and Sale of Collateral (Arkansas/Oklahoma/Texas)Repossession and Sale of Collateral (Kansas/Missouri)Social Security Number GuideStatutory Lien and Setoff
Board Responsibilities
Bank Bribery ActBoard Meeting Agenda and MinutesBoard of Director LiabilityBoard of Directors Responsibility QuizBoard Structure and Officer DutiesBusiness Continuity Planning - Board ResponsibilitiesComplaint ManagementDirector ResponsibilitiesDirectorship Policy and Job DescriptionsFinancial Literacy RequirementsProperty Casualty InsuranceSmall Credit UnionsStrategic PlanningSuccession PlanningVendor Due Diligence
Employment
EEO Reporting RequirementsAffordable Care ActAmericans with Disabilities ActArrest and Conviction Reports for EmploymentCOBRACredit Reports for Employment (FCRA)Employee Discipline and DocumentationEmployee Polygraph Protection ActEmployee PrivacyEmployee Retirement Income Security Act (ERISA)Employment EligibilityEqual Employment OpportunityExecutive Compensation, Tax Cuts and Jobs Act of 2017Fair Labor Standards ActFamily and Medical Leave ActFederal Employment Record Keeping RequirementsGenetic Information Nondiscrimination ActImmigration/I-9Independent Contractor Tests (Texas)Interviewing Job ApplicantsManagement Official InterlocksNLRB RulingsOccupational Safety and Health ActPersonnel FilesTexas Payday Law (Texas)Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA)Whistle Blower LawsWorkers' Compensation Insurance Coverage (Texas)
Field of Membership
Field of Membership OverviewChartering and Merging (Arkansas/Oklahoma/Texas)Chartering and Merging (Kansas/Missouri)Denial of Service to Members (Oklahoma/Texas)Field of Membership ExpansionMembership EligibilityMergers and Insured Status Changes
Fraud
Fraud IntroductionCheck FraudCyber-Enabled FraudInternal FraudRisk ManagementTraining - Credit Union Fraud SymposiumWire Transfers
Investment
Broker-DealersCentral Liquidity FacilityDerivativesInvestment PoliciesInvestment PowersMonitoring and Reporting RequirementsNCUA Investment ResourcesPermissible and Impermissible Investment ActivitiesSafekeeping RulesSubordinated DebtValuation of Investments
Loans and Leasing
Ability to RepayAllowance for Loan and Lease LossesAppraisalsAssignment of Deposit Accounts and Certificates (Texas)Assignment of Securities as CollateralAuto Dealer Refusal to Accept Outside Financing (Texas)Auto Loans (Texas)Boat Loans (Texas)Cattle Loans (Texas)Chargeback RulesCommunity Property (Texas)Consumer LeasingCredit CardsCredit PracticesCurrent Expected Credit Loss (CECL)Dower and Homestead (Arkansas/Oklahoma/Texas)Dower and Homestead (Kansas/Missouri)Equal Credit Opportunity ActFACT ActFair Credit Reporting ActFair Housing ActFair Lending Laws and RegulationsFees for Loans (Arkansas/Oklahoma/Texas)Fees for Loans (Kansas/Missouri)First Lien Mortgage Loans (Texas)Flood InsuranceGuaranteed Asset Protection (Missouri)Holder in Due Course RuleHome Equity LendingHome Equity Loans (Texas)Home Improvement Loans (Texas)Home Mortgage Disclosure ActHome Ownership and Equity Protection ActIndirect Lending (Arkansas/Oklahoma/Texas)Indirect Lending (Kansas/Missouri)Interest RateLife Insurance AssignmentLoan ParticipationsMargin Stock LoansMember Business LendingMilitary Lending ActMobile/Manufactured Home Loans (Texas)Mortgage ServicingMulti-Featured Lending ProductsNon-Traditional Mortgage ProductsNotice to Borrowers (Texas)Other Real Estate OwnedPayday Alternative LoansPayday Lending Rules (Texas)Possessory and Special Liens (Oklahoma)Private Mortgage Insurance (PMI)Real Estate Settlement Procedures Act (RESPA)Requirements for Placement of Liens (Arkansas/Oklahoma/Texas)Requirements for Placement of Liens (Kansas/Missouri)SAFE Act - Registration of Mortgage Loan OriginatorsSales of Insurance and Other Loan Add-Ons (Arkansas/Oklahoma/Texas)Sales of Insurance and Other Loan Add-Ons (Kansas/Missouri)Secured Transactions/UCC Article 9 (Arkansas)Secured Transactions/UCC Article 9 (Kansas/Missouri)Secured Transactions/UCC Article 9 (Oklahoma)Secured Transactions/UCC Article 9 (Texas)Servicemember Loan Rate Limitation ActServicemembers (and Dependent) Consumer LendingServicemembers Civil Relief ActSkip-a-Payment (Missouri)Skip-a-Payment (Kansas)State Variations on Reg Z or Reg B (Arkansas/Oklahoma/Texas)State Variations on Reg Z or Reg B (Kansas/Missouri)Student LoansSub-Prime LendingSupervised Loans (Oklahoma)Troubled Debt Restructured (TDR) LoansTruth in Lending ActUsury (Arkansas/Oklahoma/Texas)Usury (Kansas/Missouri)Variable Rate Lending
Miscellaneous
ADA Parking Spot Signage (Texas)Bank Bribery ActBylaws (Arkansas/Kansas/Oklahoma/Texas)Notary Public (Arkansas)Notary Public (Oklahoma)Notary Public (Texas)Notary Public (Kansas)Online Compliance (Texas)Regulatory AuthoritiesRisk ManagementSafety at ATMs (Texas)Subpoenas of Records (Texas)
Record RetentionSecurity
Active ShooterBusiness Continuity PlanningChildren's Online Privacy Protection ActClosing of a Credit Union (Texas State-Chartered)Copier SecurityCybersecurityData BreachElder and/or Vulnerable Adult ProtectionsEMV Implementation (Credit Card Security)FFIEC Cloud ComputingFFIEC Online Banking Risk Assessment Gun Carry Laws (Texas)Identity TheftInformation Security ProgramInternal Controls and Fraud PreventionPandemic PreparednessPayment Card Industry (PCI) Data Security Standard (DSS)Privacy Breach Reporting Requirements (Arkansas)Privacy Breach Reporting Requirements (Oklahoma)Privacy Breach Reporting Requirements (Texas)Security Program for Credit UnionsSocial Media SecurityWire FraudWireless Device Security
Tax Issues
Backup WithholdingFederal Excise TaxFederal Tax LiensFederal Tax LiensIncome Tax ExemptionIndividual Taxpayer Identification Number (ITIN)IRS Form 1098IRS Form 1098-EIRS Form 1099-CIRS Form 1099-INTIRS Form 1099-MISCIRS Form 1099-OIDIRS Form 1099-QIRS Form 1099-RIRS Form 1120-POLIRS Form 990IRS Form W-8BENIRS Form W-9IRS LeviesIRS PublicationsIRS ReportingIRS SummonsPayroll TaxesSales and Use Taxes (Texas)Small Business Health Care Tax CreditState Tax Levies (Arkansas/Oklahoma/Texas)State Tax Levies (Kansas/Missouri)Unemployment Compensation Tax (Texas)Unrelated Business Income Taxes (UBIT)Withholding on Individual Retirement Account Distributions
ChecklistsCU PolicyProRecoveryPro
A - Z ListingAccount Insurance EstimatorCFPB Compendium of Guidance 2025Check Deposit Notice GeneratorCollaborative ToolsCompliance CalendarFAQsFederal Regulations ListInfoSight Listing by StateNewsletterRequired Compliance TrainingRISK Alerts
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