Foreword and Disclaimer This Internet guide is designed for the purchasing bank and its branches and is not to be copied or distributed to other banks, even within a holding company unless the banks have the same charter. It is the purpose of this guide to aid in the compliance of federal statutes and regulations. State-specific guides are available for many states. Some states do not have specific record retention laws for their state banks to follow, therefore only the federal guide is needed. The records listed have been researched by Financial Records Consultants by referencing and quoting the statutes or regulations federal laws and state statutes have been researched for the states, where available. This guide is searchable and sectioned by department. Not all bank records are governed by any law. Many laws apply to the retention of bank records. Many records are considered "under the umbrella" of very specific records. Typically, these records are internal records or records that will apply as a by-product of general record and not a specific law. When no tangible law is applicable, the common, safe and sound business practice in the industry is used. Great care has been taken to research all available information, including and in addition to the sources listed in the legends section of the search result page, and in the record retention schedule section of this Internet guide. This guide is provided as a reference and organization tool only. We assume no liability for inadvertent errors or omissions. We assume no liability for a banks recordkeeping efforts or end result. It is the users' responsibility to be sure that no retention periods are changed unless management approval is given. Florida Bankers Association, FRC and/or Carolyn Jones are not responsible for any changes to or repercussions from of unauthorized changes. All supplied materials may be reproduced by the purchasing bank, but will remain the sole property of Carolyn Jones, Financial Records Consultants, aka FRC Group. The guide and its information are to be used by the purchasing bank only. Reproduction of the materials or development of software from the copyrighted information or copying of information or use outside of purchasing bank is strictly prohibited and covered under United States copyright law without written consent by Carolyn Jones or her designee. By purchasing this internet guide, the purchaser agrees that the log-in and password are confidential and are only to be used by the purchaser and not distributed in any way to any other company. © 2002-2004 "Bank’s Guide to Record Retention" by Financial Records Consultants/Carolyn Jones, for the exclusive use of the association and it’s member banks. All rights reserved. This book, or any part, may not be reproduced in any form without written permission from Financial Records Consultants or Carolyn Jones. Trademarks and logos of FRC are pending. This site is designed to provide accurate and authoritative information in regard to the subject matter covered. The information is made available posted with the understanding the site, and authors of the content, are not engaged in rendering legal, accounting or other professional service by providing this material. The information in the online guide has been prepared Financial Records Consultants for general informational purposes only. It does not constitute legal advice and is presented without any representation or warranty whatsoever, including as to the accuracy or completeness of the information. Product Info   |   DEMO   |   Testimonials   |   Articles   |   About Us   |    Contact Us  |    Disclaimer  |    Return to Main Page      Return to BankersOnline.com