All NPR journalists should read and follow the guidance in this handbook. Those who work for shows, podcasts and programming that are not part of the News division. I celebrate myself, and sing myself, And what I assume you shall assume, For every atom belonging to me as good belongs to you. I loafe and invite my soul. The DHS Acronyms, Abbreviations, and Terms DAAT list contains homeland security related acronyms, abbreviations, and terms that can be found in DHS documents. Student Handbook PDF About Highlands University. Presidents Letter. Campus Directory. Academic Calendar. First Day of ClassCollege Life. Chartered Student Clubs. Travel advice. To help Australians avoid difficulties overseas, we maintain travel advisories for more than 170 destinations. Travel advice for countries and events. Market+Risk+A+real-time+trading+%26+enterprise+wide+risk+management+system+and+framework+with%3A+-+Trade+Capture%2C+Trade+Repository..jpg' alt='The Handbook Of Credit Risk Management Originating House' title='The Handbook Of Credit Risk Management Originating House' />Accounting systems and records. If your firm owns all the shares in a recognised body or a licensed body which is an executor, trustee or nominee company, your firm and the recognised body or licensed body must not operate shared client accounts, but may ause one set of accounting records for money held, received or paid by the firm and the recognised body or licensed body andorbdeliver a single accountants report for both the firm and the recognised body or licensed body. If such a recognised body or licensed body as nominee receives a dividend cheque made out to the recognised body or licensed body, and forwards the cheque, either endorsed or subject to equivalent instructions, to the share owners bank or building society, etc., the recognised body or licensed body will have received and paid client money. One way of complying with rule 2. See also rule 2. 9. You must at all times keep accounting records properly written up to show your dealings with aclient money received, held or paid by you including client money held outside a client account under rule 1. All dealings with client money must be appropriately recorded ain a client cash account or in a record of sums transferred from one client ledger account to another andbon the client side of a separate client ledger account for each client or other person, or trust. No other entries may be made in these records. If separate designated client accounts are used aa combined cash account must be kept in order to show the total amount held in separate designated client accounts andba record of the amount held for each client or other person, or trust must be made either in a deposit column of a client ledger account, or on the client side of a client ledger account kept specifically for a separate designated client account, for each client or other person, or trust. All dealings with office money relating to any client matter, or to any trust matter, must be appropriately recorded in an office cash account and on the office side of the appropriate client ledger account. A cheque or draft received on behalf of a client and endorsed over, not passing through a client account, must be recorded in the books of account as a receipt and payment on behalf of the client. The same applies to cash received and not deposited in a client account but paid out to or on behalf of a client. Money which has been paid into a client account under rule 1. Money which has been paid into an office account under rule 1. Legal Aid Agency, or rule 1. Legal Aid Agency, and for the time being remains in an office account without breaching the rules, is to be treated as office money. Money paid into an office account under rule 1. All these payments must be appropriately identified and recorded on the office side of the client ledger account for the individual client or for the Legal Aid Agency. Client money in a currency other than sterling must be held in a separate account for the appropriate currency, and you must keep separate books of account for that currency. You must, at least once every five weeks acompare the balance on the client cash accounts with the balances shown on the statements and passbooks after allowing for all unpresented items of all general client accounts and separate designated client accounts, and of any account which is not a client account but in which you hold client money under rule 1. Reconciliations must be carried out as they fall due, or at the latest by the due date for the next reconciliation. In the case of a separate designated client account operated with a passbook, there is no need to ask the bank, building society or other financial institution for confirmation of the balance held. In the case of other separate designated client accounts, you must either obtain statements at least monthly or written confirmation of the balance direct from the bank, building society or other financial institution. There is no requirement to check that interest has been credited since the last statement, or the last entry in the passbook. All shortages must be shown. In making the comparisons under rule 2. Statements and passbooks for client money held outside a client account under rule 1. Any records kept under rule 8 liquidators, trustees in bankruptcy, Court of Protection deputies and trustees of occupational pension schemes must be kept together centrally, or you must maintain a central register of the appointments. The statements, passbooks, duplicate statements and copies of passbook entries relating to any joint account held under rule 9 must be kept together centrally, or you must maintain a central register of all joint accounts. A central register of all withdrawals made under rule 2. If a nominee company follows the option in rule 2. When you operate a clients own account as signatory under rule 1. You must either keep these records together centrally, or maintain a central register of the accounts operated under rule 1. If you use on line records made available by the bank, building society or other financial institution, you must save an electronic version in the firms accounting records in a format which cannot be altered. There is no obligation to keep a hard copy but the information recorded must be capable of being reproduced reasonably quickly in printed form for at least six years. If, when you cease to operate the account, the client requests the original statements or passbooks, you must take photocopies and keep them in lieu of the originals. This rule applies only to private practice. Previous CircularsNews VA Home Loans. Previous CircularsNews. View by Year 2. 01. Circular 2. 6 1. Change 1 December 2. VA Making Home Affordable Program. PURPOSE The purpose of this Circular is to extend the rescission date of the basic Circular. Circular 2. 6 1. Change 2 December 1. Use of Electronic Signatures in Conjunction with Department of Veterans Affairs VA Guaranteed Home Loans. PURPOSE The purpose of this circular is to extend the rescission date of the basic circular so that stations continue to provide guidance on VAs position as it relates to these procedures. Circular 2. 6 1. December 5, 2. Exhibit ARequirements for Notification, Evaluation, and Reduction of Lead Based Paint Hazards in VA Acquired Properties. PURPOSE To update VA guidance on implementation of Department of Housing and Urban Development HUD and Environmental Protection Agency EPA guidelines governing the notification, evaluation, and reduction of lead based paint LBP andor lead based paint hazards in federally owned residential housing managed by a private sector service provider. Circular 2. 6 1. December 1, 2. Department of Veterans Affairs County Loan Limits. PURPOSE This circular announces the Department of Veterans Affairs VA effective loan limits for loans closed on or after January 1, 2. Circular 2. 6 1. November 3, 2. Electronic Filing of Condominium Association Documents. PURPOSE The purpose of this circular is to announce that the Department of Veterans Affairs VA will require the electronic submission of documents for condominium approval requests through Web. LGY effective immediately. Circular 2. 6 1. October 2. Five Digit Builder Identification ID Number. PURPOSE The purpose of this circular is to inform Loan Guaranty LGY program participants that builder ID numbers are now five digits to accommodate areas that have used all of their four digit allocation. Circular 2. 6 1. October 1. Special Relief Following Hurricane Matthew. PURPOSE This circular expresses concern about Department of Veterans Affairs VA home loan borrowers affected by Hurricane Matthew, and describes measures mortgagees may employ to provide relief. Circular 2. 6 1. October 4, 2. Single Family Home Sustainability Initiative. PURPOSE The purpose of this circular is to define the Department of Veterans Affairs VA support for SIngle Family Home Sustainability Initiative. Circular 2. 6 1. September 2. Annual Increase in Construction Cost Index and Specially Adapted Housing SAH, Special Housing Adaptations SHA, and Temporary Residence Adaptations TRA Grants. PURPOSE Effective October 1, 2. Department of Veterans Affairs VA announces that the SAH, SHA, and TRA grant amounts will increase. Circular 2. 6 1. September 9, 2. Title Requirements for Manufactured or Mobile Home Conveyance. The Happy Atheist Epub Reader on this page. PURPOSE This circular provides clarification of the documents required to properly provide clear and marketable title for mobile homes conveyed to the Department of Veterans Affairs VA per 3. C. F. R. 4. 30. 0 in every state and territory in the United States. Circular 2. 6 1. August 1. Special Relief Following Louisiana Severe Storms and Flooding. PURPOSE This circular expresses concern about Department of Veterans Affairs VA home loan borrowers affected by severe storms and flooding in the State of Louisiana, and describes measures mortgagees may employ to provide relief. Circular 2. 6 1. August 1, 2. Special Relief Following a Natural Disaster. PURPOSE This circular expresses concern about Department of Veterans Affairs VA home loan borrowers affected by a natural disaster, such as the California wildfires or Federally declared natural disasters, and describes measures mortgagees may employ to provide relief. Circular 2. 6 1. July 2. Funding Fee Clarification. PURPOSE The purpose of this circular is to provide industry requested clarification of funding fee percentages detailed in Public Law 1. Veterans Access, Choice, and Accountability Act of 2. Circular 2. 6 1. July 1. Property Assessed Clean Energy PACE Loan Processing. PURPOSE The purpose of this circular is to address origination and loan processing requirements for Department of Veterans Affairs VA guaranteed loans when a property is subject to PACE obligations. Circular 2. 6 1. Change 1 July 1. Auction Service for the Termination of VA Loans. PURPOSE The purpose of this circular is to extend the rescission date of the basic circular to reflect that the Department of Veterans Affairs VA continues to authorize mortgage servicers and holders to employ an auction service in lieu of completing a traditional foreclosure sale, where feasible. Circular 2. 6 1. June 2. Special Relief Following West Virginia Severe Storms, Flooding, Landslides and Mudslides. PURPOSE This circular expresses concern about Department of Veterans Affairs VA home loan borrowers affected by severe storms, flooding, landslides and mudslides in the State of West Virginia, and describes measures mortgagees may employ to provide relief. Circular 2. 6 1. Change 1 June 2. Credit Report and Automated Underwriting System AUS Fee Policy. PURPOSE The purpose of this Circular is to clarify credit report invoice requirements, update a forms title, and extend the rescission date of the basic circular so that stations continue to provide guidance on VAs position as it relates to these procedures. Circular 2. 6 1. Change 2 June 6, 2. New VA Property Management and Servicing Contractor. PURPOSE The purpose of this Circular is to revise the servicing contractor information from Residential Credit Solutions RCS to Ditech Financial LLC and to update the Contract Assurance Portfolio Loan contact information. Circular 2. 6 1. May 1. Exhibit ATitle Requirements for Conveyance of Real Property. PURPOSE This circular provides clarification of the documents required to properly provide clear and marketable title for conveyed properties to the Department of Veterans Affairs VA in every state and territory in the United States. Circular 2. 6 1. Change 1 May 1. Appraisal Management System and Required Mortgage Industry Standards Maintenance Organization XML Appraisal Format. PURPOSE The purpose of this circular is to extend the rescission date of the basic circular so that stations continue to provide guidance on VAs position as it relates to these procedures. Circular 2. 6 1. May 3, 2. Special Relief Following Louisiana and Texas Severe Storms and Flooding. PURPOSE This circular expresses concern about Department of Veterans Affairs VA home loan borrowers affected by severe storms and flooding in the States of Louisiana and Texas, and describes measures mortgagees may employ to provide relief. Circular 2. 6 1. April 1. VA Loan Full File Loan Review File Upload Stacking Order. PURPOSE The purpose of this circular is to announce Department of Veterans Affairs new mandatory stacking order for files selected for VA full file loan review of all loan applications submitted to VA on, or after, June 1, 2. Circular 2. 6 1. April 1. Exhibit A Exhibit BPolicy Clarification for TILA RESPA Integrated Disclosure Fee Itemization Requirements and Regarding Loan Expenses Not Expressly Permitted by 3. CFR 3. 6. 4. 31. 3PURPOSE This Circular explains the Department of Veterans Affairs VA requirements regarding the Consumer Financial Protection Bureau CFPBs new Truth in Lending Act Real Estate Settlement Procedures Act Integrated Disclosure Closing Disclosure document. Circular 2. 6 1. April 7, 2. Policy Clarification for Unreimbursed Employee Business Expenses. PURPOSE The purpose of this circular is to clarify the Department of Veterans Affairs VA underwriting guidelines with regard to unreimbursed employee business expenses reported on Internal Revenue Service IRS Form 2. Circular 2. 6 1. Change 1 March 2.