Regulatory Q&A discusses a variety of topics including payday lending, notifications regarding private mortgage insurance (PMI), individual development accounts (IDAs), and other issues.

Many regulatory changes go into effect in 2009 and 2010 as the government works to increase the knowledge of consumers who are shopping for credit.

A review of the new Regulation M and its segregated disclosures, intended to protect consumers during the leasing process.

The Truth in Savings Act mandates that financial institutions disclose certain information about the terms of consumer deposit accounts in specific forms and at specific times. Although many depository institutions provided disclosures of account terms before the act was passed in 1991, most did...