Sheshunoff Information Services, Austin, has published a book on the top 101 compliance mistakes banks make on consumer credit regulations.

Among the most frequent violations, Sheshunoff lists failure to give borrowers good-faith estimates within three days of an application, to keep good records on real estate loans in flood hazard areas, and to disclose annual percentage rates accurately.

Sheshunoff is selling its list, compiled by sifting through regulatory agency records, for $245. The book also gives tips on avoiding violations as well as advice on how to correct mistakes.

The company also has published a compliance guide to the interstate banking and community development laws enacted last year.

The manual offers analysis of the laws, including chapters on the Bank Secrecy Act and flood insurance, both part of the community development law. The guide costs $195.

A third new product is a compliance officer's management manual. The guide, which includes chapters on formulating a compliance policy and starting a training program, comes on diskette for personal computers.

Each regulation is described along with its exemptions, requirements, and liabilities for noncompliance. The management manual's price is $595.

Sheshunoff, a sister company of American Banker, can be reached at 800- 456-2340 for more information.

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