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Hello, Jonathan Foxx
Jonathan Foxx's Latest Stories
Compliance Matters: Finance Charge Controversies
Question: In our weekly sales meeting, there was a big debate about how to explain APR (annual percentage rate) and the finance charge to borrowers.
ACH Transactions: Disclosure Requirements
Question: In revising our EFT policy, we want to be sure we have sections for all the areas involving ACH transactions.
Mortgage Fraud Challenges: How to Catch a Thief
Adverse Action Not Based on Credit Report
Question: We are a small mid-west bank with limited compliance staff. I receive your FAQ newsletter and actually have a folder for all of them!
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