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Jonathan Foxx's Latest Stories
Compliance Matters: Multiple Advertisements
Question: We have an advertisement on our Web site and we also send out an e-mail advertisement that is the same as the Web site ad. Are these considered a single advertisement?
Loan Officer Compensation Plans: Some Basic Concepts
Question: We are in the process of reviewing our loan officer compensation plans, which means we are also looking closely at the employment agreements.
Human Resources Compliance
Question: Our bank is undergoing an internal review of its human resources department.
Providing a Copy of Appraisal: Policy and Procedures
Question: We are drafting a new policy and procedures for providing a copy of an appraisal to the consumer.
Jonathan Foxx's Latest Blog Posts
First Thing We Do ... Let’s Kill All the Regulators!
“First thing we do, let’s kill all the regulators!” Actually, Shakespeare's exact line is, ''The first thing we do, let's kill all the lawyers.''
Wells Fargo, A Predator’s Tale
It seems it all comes down to money, sooner or later. Anthropologists have long known that we are a predatory species.
Flipping the Bird at the CFPB!
Do you really want to tell the Consumer Financial Protection Bureau (CFPB) that it doesn’t regulate you?
Reinstating Credit Privileges
Question: We are a bank that received a warning from our regulator regarding the fact that we had suspended credit privileges for a borrower but did not restore the credit privi