Banking

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Basic Checking Account Survey

 

 Basic Checking Accounts As of April 1, 2009

BANKING

INSTITUTIONS

Basic Savings Account Survey

 

Basic Savings Accounts As of April 1, 2009

 

BANKING

INSTITUTIONS

Guide for Civil Union Partners

Common Questions Regarding Personal Finance

 

A SUGGESTION: You may find it useful to read the following material in the order presented.  It will be easier to understand some concepts referred to in later sections.  (Currency of information:  The Tax Questions portion of this publication was updated June 2004.  All other material,  written in January 2001,  is presently under review and expected to be updated soon.)       

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Privacy of Consumer Financial and Health Information Regulation

Regulation
Monday, January 1, 2001
Reg-B-2001-01

File attachments: 

http://www.dfr.vermont.gov/sites/default/files/REG-B-01-1.pdf

This rule governs the treatment of nonpublic personal information about consumers by financial institutions.  This rule: (1) Requires a financial institution to provide notice to individuals about its privacy policies and practices; (2) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to non-affiliated third parties; (3) Requires financial institutions to obtain consumer consent prior to disclosing that information, subject to the exceptions in this regulation and 8 V.S.A. § 10204 and subject to the federal Fair Credit
Reporting Act and the Vermont Fair Credit Reporting Act; and (4) Provides an exemption for information about business customers.

Conversion of a Federal Credit Union into a State Chartered Credit Union

Regulation
Thursday, July 1, 1999
Reg-99-02(Bnk)

File attachments: 

http://www.dfr.vermont.gov/sites/default/files/REG-B-99-2.pdf

This Regulation establishes procedures for the conversion of a federal credit union to a Vermont state chartered credit union. Compliance with these regulations is in addition to any other state or federal laws and regulations that may be applicable to the proposed transaction, including state corporate laws and state and federal securities laws.

Secured Credit Cards

Regulation
Wednesday, December 1, 1999
Reg-99-01(Bnk)

File attachments: 

http://www.dfr.vermont.gov/sites/default/files/REG-B-99-1.pdf

This regulation specifies the minimum contract terms in the cardholder agreement for a secured credits card.

High Rate, High Point Notices for Residential Real Estate Loans

Regulation
Friday, January 1, 1999
Reg-98-02(Bnk)

File attachments: 

http://www.dfr.vermont.gov/sites/default/files/REG-B-98-2.pdf

This Regulation specifies the form, content, and timing of disclosures required by Title 9 V.S.A. §104 (the "Disclosure") for every loan secured by a first lien on residential real estate in which the borrower is expected to be charged in excess of four points or an interest rate in excess of three percent over the rate established pursuant to Title 32 V.S.A. § 3108, or both, on the loan. The Disclosure must be printed on a single sheet of colored paper that is easily distinguished from all other documents.

Form, Content & Timing of Residential Real Estate Mortgage Loan Commitment Letters

Regulation
Friday, January 1, 1999
Reg-98-01(Bnk)

File attachments: 

http://www.dfr.vermont.gov/sites/default/files/REG-B-98-1.pdf

This Regulation establishes the minimum requirements for residential mortgage loan commitment letters issued in this state. It includes both the content requirements and issuance requirements.

Household Members as Eligible for Credit Union Membership

Regulation
Sunday, January 28, 1996
Reg-96-02(Bnk)

File attachments: 

http://www.dfr.vermont.gov/sites/default/files/REG-B-96-2.pdf

This Regulation defines the term "household member" for use in establishing credit union membership.

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