The Legal Department publishes multiple manuals covering almost anything a banker may need to know. Below is our list of manuals that we recommend every bank have access to as a reference library as well as a link to the Master Index that contains an index of the topics contained in each manual and where to find them. Many of the manuals can be purchased with an accompanying webinar featuring presenters from the KBA Legal Department. Our presenters cover hot topics included in the manual and highlight important updates that bankers need to know about. The webinars are a great training tool for new bankers and for those who need a refresher, as well as a helpful resource for many common banking questions as they come up. Manuals with available webinar recordings are marked with a star (*) and more information and order forms can be found here.

Master Index Link 

Operations Manual – The Operations manual addresses many different aspects of day-to-day operations of the bank. Topics covered include check collection, privacy, marketing, HR, BSA, FACTA, contingency planning, IRS reporting and much more. This manual is updated annually.

Legal Update* – The Legal Update manual will guide your staff through the latest updates and compliance changes affecting banks today. We compile changes issued by lawmakers, regulators, and other governing bodies throughout the year. This includes a focus on deposits, operations, BSA, HR, and Lending changes. We cover a wide array of important updates for you to ensure your bank is aware of all the latest changes. This manual is published annually. We encourage banks to keep the two most recent editions of Legal Update available so you have all of the most up-to-date rules, regulations, and recommendations.

Account Documentation* – Bankers are continually challenged to provide great customer service and accurate information as new and innovative products are introduced in the marketplace. The Account Documentation manual focuses on best practices all bank employees should exercise when establishing new accounts to protect the bank from liability and create the right account for customers. The manual guides new accounts personnel through opening all types of accounts from accounts for minors, to business and other entity accounts. This manual is updated every two years.

Deposit Compliance* – The Deposit Compliance manual focuses on core federal banking laws and regulations and is designed to furnish a basic, technical foundation for you to develop and maintain an effective compliance program. New for 2022, this manual has been updated to be a guiding resource to banks for Regulation D (Reserve Requirements), Regulation E (Electronic Funds Transfers), Regulation CC (Expedited Funds Availability), Regulation DD (Truth in Savings), as well as Garnishments & Levies. This manual is updated every two years.

Lending Fundamentals – Federal Law* – The Lending Fundamentals – Federal Manual includes coverage of the major federal regulations impacting lending including Truth in Lending Act, RESPA, flood insurance, military lending, SAFE Act, appraisal requirements and coverage of the components of fair lending (Equal Credit Opportunity Act, Fair Housing Act, Community Reinvestment Act and Home Mortgage Disclosure Act). Also included in the manual are links to regulatory resources that are available for lending operations, and helpful charts and explanations on how different loan transactions are impacted by the state and federal laws and regulations. This manual is updated every two years.

Lending Fundamentals – State Law* – The Lending Fundamentals – State Manual provides a more focused look at how Kansas laws and regulations can affect your bank’s lending program. It includes coverage of the Kansas interest rate usury limits, a review of the Kansas Uniform Consumer Credit Code, as well as security interest and perfection laws for real estate and personal property secured loans. This manual also contains information on OSBC lending regulations, helpful practice tips on documenting loans and avoiding collateral pitfalls, and practical charts and explanations about how different loan transactions are impacted by state laws and regulations. This manual is updated every two years.

Record Retention – The Record Retention Guide supplies bankers with the latest information about state and federal record retention requirements for Kansas banks. The manual’s easy to use format provides information by document type, as well as by regulatory requirement. This manual is updated as needed, depending on updates to state and federal law. The last update was published in 2016.