• Bank Use of Trade Name and Shared Website 

• Failure to Comply with Historic Preservation Law Can Cause Major Delays for your Bank

• Sale of Debt Cancellation Contracts (DCCs) or Debt Suspension Agreements (DSAs)(06/18/04) 

• Authority to Offer Indexed Certificates of Deposit (04/07/04) 

• Creditor-placed Insurance (12/30/03) 

• Guidance on Institution Offering of Check Protection Programs (12/19/03) 

• Commissioner's letter to the OCC regarding preemption efforts (10-3-03). 

• Authority of bank subsidiary to conduct security and investigative services for others (redacted) (issued 3-20-03) 

• Purchase of Bank Owned Life Insurance (BOLI) (redacted) (issued 3-12-02) 

• Bank transfer of interest income on consumer credit to participating bank subsidiary (redacted) (issued 02-28-2002) 

• Use of the word bank by out-of-state financial conglomerate in advertising corporate and investment banking services in Michigan (redacted) (issued 02-22-2002) 

• Authority of out-of-state chartered, limited-purpose trust bank to exercise trust powers in Michigan (redacted) (issued 09-19-2001) 

• Use of "bank" by out-of-state non-depository state-chartered bank in conducting business in Michigan (redacted) (issued 09-12-2001) 

• Establishment of cash-dispensing terminals by non-depository entity (redacted) (issued 11-23-98) 

• Offering life insurance to loan customers (redacted) (issued 3-17-99) 

• Applicability to out-of-state lender having no branch in Michigan (redacted) (issued 12-18-98) 

• Discount points on construction financing (redacted) (issued 7-16-99) 

• HUD's RESPA policy statement (posted 3-31-99) 

• Applicability of licensing/registration provisions to industrial loan companies (redacted) (issued 10-1-99) 

• Industrial loan company not exempt from licensure (redacted) (issued 1-5-00) 

• Program established under Neighborhood Reinvestment Corporation Act (redacted) (issued 6-29-98) 

• Decision on wording: 
"to sell their property prior to the expiration of the pre-payment period, then notwithstanding XXXX's ability to call a default for a transfer without our consent, XXXX is still entitled to collect our pre-payment penalty" (redacted) (issued 11-29-99)

• Decision on wording: 
"3% prepayment penalty will be assessed if this loan is paid in full within the first three years of the loan" (redacted) (issued 1-12-00)

• Comment filed with Comptroller of the Currency on Notice of Request by Ohio Banks to Preempt the Act 

• 1/1/2000 Declaratory Ruling (Exhibit 1)
Comment filed with Comptroller of the Currency on Notice of Request by Ohio Banks to Preempt the Act (issued 11-22-00)

• Request for Declaratory Ruling 
Comment filed with Comptroller of the Currency on Notice of Request by Ohio Banks to Preempt the Act (issued 11-22-00)

• Delayed First Payment Under Installment Sale Contract (redacted) 
(issued 6-9-00)

• Guaranteed Automobile Protection (GAP) Contracts 
(updated for 12-9-98 on 12-10-98)

• Holder of contract taking lien against real estate 
(redacted) (issued 11-4-99)

• Licensure requirement applicable to depository institution affiliate 
(redacted) (issued 6-30-00)

• Purchase of Motor Vehicle Sales Finance Contracts 
(issued 2-26-92)

• Purchase of Vehicle Leases from Licensed Sales Finance Company 
(redacted) (issued 7-28-00)

• Return of original installment contract upon payment in full 
(redacted) (issued 10-15-99)

• Spot delivery 
1989 licensee letter posted 8/2000 in response to recent inquiries (reposted 8-22-00)

• Letter to licensed/registered nondepository financial institutions (issued 9-29-00) 

• Offering life insurance to loan customers (redacted) (issued 3-17-99) 

• Authority to sell home appliance warranty (Section 13) (redacted) (issued 9-21-98) 

• Imposition of check-cashing fee on payday advance (Section 13) (redacted) (issued 8-31-98) 

• Charging of assignment recording fees (redacted) (issued 9-15-99) 

• Processing fee on home equity line of credit (redacted) (issued 6-8-99) 

• Applicability of licensing/registration provisions to industrial loan companies (redacted) (issued 10-1-99) 

• Industrial loan company not yet exempt from licensure (redacted) (issued 1-5-00) 

• Program established under Neighborhood Reinvestment Corporation Act (redacted) (issued 6-29-98) 

• Applicability of usury laws to deposit accounts (redacted) (issued 6-8-99) 

• Assumed name (redacted) (issued 5-27-99) 

• Sale of Debt Cancellation Contracts (DCCs) or Debt Suspension Agreements (DSAs)(06/18/04) 

• Michigan's Credit Union Field of Membership

• Trade Name (redacted) (issued 12-29-99)