• Home
  • myIBAT
  • IBAT Endorsements
  • Foundation
  • Leadership
  • Contact Us
  • Who We Are
    • IBAT
      • Board of Directors
      • IBAT Mission Statement
      • Committees
    • IBAT Services
    • IBAT Education Foundation
    • IBAT Leadership Division
    • IBAT Financial Services
      • IBAT FS News
      • IBAT FS Resources
    • The Missing Linc Blog
    • Directions to IBAT
    • Meet the Staff
  • IBAT Events
    • Regional Meetings
    • Bankers Legislative Day
    • Congressional Visit
    • Calendar
  • Government Affairs
    • 2010 IBAT Sweepstakes
    • State Legislation
      • Legislative Letters
      • State Bill Finder
      • State Legislative Priorities
      • Find Your Legislator
    • Federal Legislation
      • Legislative Letters
      • Federal Bill Finder
      • Federal Legislative Priorities
      • Find Your Legislator
    • PAC
      • How Do I Contribute?
        • Annual Auction
        • Dream Vacation
        • IBAT Steak Out
      • PAC Drives
      • Donors
    • Legislative Library
      • Legislative Letters
      • Testimony
      • Capitol Reports
      • Communities First Act
  • Legal/Compliance
    • Legal Ease
    • Capitol Comments
    • Compliance
      • Home Equity
        • Home Equity Q&A
        • Home Equity LOC Q&A
        • Regulatory Guidance
        • Home Equity Rules
      • Consumer Credit Law
        • Consumer Credit Late Charges & Fees
        • Consumer Credit Interpretive Letter
        • 360 Day Calendar Interpretive Letter
      • Compliance Forum
      • Compliance Vendors
    • Legal Library
      • Legal Ease Archives
      • Comment Letters & Archives
      • Compliance Bulletin & Archives
      • White Papers & Archives
      • Year End Checklist
      • CANS
      • RESPA Information
    • Blog Pound
    • Bank Attorney Group
    • Legal Products
  • Education
    • Ways to Learn
    • Seminars by Date
    • Annual Convention
    • Leadership Conference
    • TechMecca
    • Educational Products
  • Membership
    • Bank & S&L Benefits
    • Emergency Hotline
    • Company
      • Associate
      • Affiliate
      • Advisory Council
      • Associate Member Orientation
    • De Novo
    • Texas Regional Groups
    • Directories For Sale
  • Public Relations
    • Recognitions & Awards
      • 100 Yr. Banks
      • Trailblazer Award
      • Best of Community Banking Award
      • Five-Star Award
      • Chairman's Award
      • President's Award
      • Excellence in Leadership Award
      • Making a Difference Award
      • Teaching Excellence in Financial Literacy Award
    • Bottom Line Newsletter
    • Consumer Tips
    • Press Releases
      • Press Releases Archives
    • First Lady's Mainstreet Tour
    • The Texas Independent Banker Magazine
    • The Missing Linc Blog
    • Amber Alerts
    • Publications Library
      • The Texas Independent Banker Magazine Archives
      • Bottom Line Archives
      • Leadership Division Newsletter Archives
      • Consumer Tips Archives
      • Education Foundation Library
      • Services Library
    • Publications For Sale
  • Advertising
    • The Texas Independent Banker Magazine
      • Production Schedule
      • Rate Card
      • Contract
    • Sponsorships
      • 2010 Partnership Opportunities
      • 2011 Partnership Opportunities
  • Find It!
    • Find a Bank
    • Find a Product
    • Emergency Bank Notices
    • Find a Job
  • Not logged in
  • |
  • Login
  • Representative Lois Kolkhorst at the 2009 IBAT/TBA Bankers Legislative Day
  • IBAT President and CEO Chris Williston Presents The Resolution Honoring Diebold's 150 Year Anniversary

IBAT News

Syndicate content
  • IBAT's Bank of the Week
  • Reconciling RESPA Disclosures
  • Sub S Annual Conference Registration Open
  • C. Brett McDowell: 2010 Rising Star Award
  • BBB Warns of Mystery Charges

Late Charges & Fees Interpretive Letter

in
  • Compliance
  • Senior Management

PDF File

Download this PDF

The Independent Bankers Association of Texas (IBAT) exclusively represents Texas’ community banks and branches, located in more than 800 towns, cities and rural areas across the state. Providing safe and responsible financial services to all Texans, IBAT members range in size from $3 million to $16 billion with combined assets of $153 billion. Formed in 1974, IBAT is directed by volunteer leaders and a dedicated and experienced staff.

Copyright© ibat. All rights reserved. | Sign Up | Contact Us