Mar 6

Mar 6 VIDEO: SAR Timelines for Continuing Activity

In this Compliance Clip (video), Adam explores a key BSA/AML question that many financial institutions face: how to handle the timeline when suspicious activity continues after an initial SAR filing. Drawing on longstanding guidance and more recent clarification, Adam walks through how institutions should think about timing and the practical challenges that can arise. If you've ever wondered how the continuing activity timeline actually works in practice, this quick overview will point you in the right direction. A transcript of this video is now available.

Feb 27

Feb 27 VIDEO: Can an Applicant Request a Second Appraisal?

Adam Witmer

Appraisals

In this Compliance Clip (video), Adam tackles a nuanced appraisal question many lenders encounter: can a borrower request a second appraisal when the bank already has an acceptable one on file? Using a real-world scenario, Adam quickly explains the key regulatory and risk considerations, outlining practical compliance expectations, common missteps, and how institutions should approach situations like this. A transcript of this video is now available.

Feb 13

Feb 13 VIDEO: SAR Filings for Potential Structuring-Related Activity

Adam Witmer

BSA

In this Compliance Clip (video), Adam reviews FinCEN’s October 2025 FAQ guidance addressing whether a SAR is required for transactions near the $10,000 CTR threshold. He explains what the guidance says, how it applies to potential structuring activity, and what financial institutions should keep in mind for compliance. A transcript of this video is now available.

Feb 6

Feb 6 VIDEO: CFPB's Nov 2025 Proposed Changes to the 1071 Rule

Adam Witmer

Regulatory Update, Regulation B

In this Compliance Clip, Adam provides a high-level overview of the CFPB’s November 2025 proposed revisions to the Section 1071 small business data collection rule. While the proposal signals a significant shift from the March 2023 final rule, key details remain unsettled and could have meaningful implications for financial institutions. Watch the video as Adam briefly discusses what’s changing, what’s still uncertain, and why these proposed revisions deserve close attention.

Jan 30

Jan 30 VIDEO: Reporting a SAR on a Director to the Board

Adam Witmer

BSA

In this Compliance Clip (video), Adam discusses options for reporting a SAR to the board of directors when the SAR is on a director. He also discusses what to do if the SAR is on a member of senior management, like the president of the financial institution. This is a must-watch video for any BSA professional.

Nov 7

Nov 7 VIDEO: Ways to Identify Redlining

Adam Witmer

Fair Lending

In this Compliance Clip (video), Adam explains a number of ways the examiners may identify redlining in an organization. In addition, he breaks down the different types of comparative evidence and overt evidence that could result in redlining. This video provides a great framework for understanding how redlining could appear in your financial institution.

Aug 29

Aug 29 VIDEO: Minimum CIP Requirements

Adam Witmer

BSA

In this Compliance Clip (video), Adam talks about the minimum requirements for a financial institution’s Customer Identification Program. This is a BSA topic. A transcript of this video is now available.

Aug 15

Aug 15 VIDEO: Error Resolution Notices in Writing or Verbal

Adam Witmer

Regulation E

In this Compliance Clip (video), Adam addresses a common question on whether error resolution notices need to be provided in writing or can be delivered verbally. Adam dives into Regulation E and breaks down what you need to know to stay compliant when issuing error resolution notices.

Jul 25

Jul 25 VIDEO: When must a borrower receive the appraisal?

Adam Witmer

Regulation B, Appraisals

In this Compliance Clip (video), Adam breaks down the requirements in Regulation B as to when a borrower must get a copy of the appraisal used in their loan. Not only is the timeframe for delivering the appraisal discussed, Adam also covers when the appraisal delivery requirements of Regulation B apply. A transcript of this video is now available.

Jul 4

Jul 4 VIDEO: When is an FCRA Adverse Action Notice Required?

Adam Witmer

FCRA

In this Compliance Clip (video), discusses when and Adverse Action Notice is required under the Fair Credit Reporting Act. Adam provides instances when financial institutions need to furnish Adverse Action Notice to a consumer when an adverse action is taken.