COVID-19 | NDBA

Just as you are open for business, so is NDBA. While the NDBA staff is currently working in a hybrid situation, they are always available via phone or email during normal business hours. The staff directory may be found here.

Thank you so much for all you are doing to support our state and its people. We will come through this together! Stay healthy and we hope to see you in person one day soon.

Bank Resources:

NDBA
- NDBA Fraud Alert: Unemployment Insurance Fraud - provided by NDBA General Counsel Tracy Kennedy (August 27)
- Returning to Work after COVID-19: a Guide for Financial Institutions (May 28)
  Provided by OnCourse Learning
PPP Forms and Guidance:
- Updated First Draw Forms:
  - Form 2483 – First Draw Borrower Application (Updated 3/18/21)X
  - Form 2483-C – First Draw Borrower Application for Schedule C Filers Using Gross Income (Released 3/18/21)
  - Form 2484 – First Draw Lender Guaranty Application (Updated 3/18/21)
- Second Draw Forms:
  - Form 2483-SD – Second Draw Borrower Application (Released 3/1821)
  - Form 2483-SD-C – Second Draw Borrower Application for Schedule C Filers Using Gross Income (Released 3/18/21)
  - Form 2484-SD – Second Draw Lender Guaranty Application (Released 1/8/21)
  - Form 3508 – Loan Forgiveness Application and Instructions (Released 1/19/21)
  - Form 3508S – Application and Instructions for Loans Under $150K (Released 1/19/21)
  - Form 3508EZ – Loan Forgiveness Application and Instructions (Released 1/19/21)
  - Borrower's Disclosure of Certain Controlling Interests (Released 1/19/21)
- Guidance & Resources:
  - ABA Staff Analysis: SBA Procedural Notice on Hold Codes (Released 2/11/21)
  - SBA Procedural Notice Addressing Hold Code (Released 2/10/21)
  - SBA Procedural Notice on PPP Processing Fees (Released 2/8/21)
  - Loan Forgivemess Requirements and Loan Review Procedures as Amended by Economic Aid Act (Released 1/19/21)
  - How to Calculate Maximum Loan Amounts for First Draw PPP Loans and What Documents to Provide (1/19/21)
  - How to Calculate Maximum Loan Amounts for First Draw PPP Loans and What Documents to Provide - By Business Type (1/17/21)
  - Procedural Notice on Forgiveness (Released 1/15/21
  - Procedural Notice - Excess Loan Amount Errors (Released 1/15/21
  - SBA Paycheck Protection Platform Lender Instructions
    - Origination System User Guide (1/10/21)
    - API Technical Information (1/10/21)
  - Accessing Capital for Minority Underserved, Veteran and Women-Owned Business Concerns Guidance (Released 1/6/21)
  - Top-Line Overview of First Draw PPP Loans (Released 1/8/21)
  - Top-Line Overview of Second Draw PPP Loans (Released 1/8/21)
  - Interim Final Rule #1 – PPP as Amended by Economic Aid Act (Released 1/6/21)
  - Interim Final Rule #2 – PPP Second Draw Loans (Released 1/6/21)
  - Procedural Notice – Modifications to SBA Forms 3506, 3507 and 750 CA (PPP only) (Released 1/8/21
  - Procedural Notice - SBA Procedural Notice on Repeal of EIDL Advance Deduction Requirement
    (Released 1/8/21)
- Wisconsin Bankers Association Guide & Calculator (free to member banks)
  - PPP Loan Forgiveness Guide (May 6)
  - PPP Loan Forgiveness Calculation Tool (May 6)
- Compliance Alliance PPP Toolkit
SBA - items posted AFTER December 31, 2020
- SBA Interim Final Rule - Business Loan Program Temporary Changes; Paycheck Protection Program – COVID Revenue Reduction Score, Direct Borrower Forgiveness Process, and Appeals Deferment (July 28, 2021)
- SBA Direct Forgiveness Information - PPP COVID Revenue Reduction Score & Direct Forgiveness (July 22, 2021)
- SBA Procedural Notice - SBA Guaranty Purchases and Lender Servicing Responsibilities for PPP Loans (July 15, 2021)
- SBA PPP Loan Approvals through 05/10/2021
- SBA PPP Loan Approvals through 05/02/2021
- SBA Procedural Notice - Extension and Revision of Guidance on Whole Loan Sales of Paycheck Protection Program Loans (April 30, 2021)
- SBA Procedural Notice - Second Notice on Modifications to SBA Forms 3506, 3507 and 750 CA (April 8, 2021)
- SBA Paycheck Protection Program FAQs (April 6, 2021
- SBA Procedural Notice - Revised Procedures for Addressing Hold Codes and Compliance Check Error Messages on PPP Loans (March 29, 2021)
- SBA PPP - How to Calculate Maximum Loan Amounts for First Draw PPP Loans and What Documents to Provide by Business Type (March 12, 2021)
- SBA PPP - How to Calculate Revenue Reduction and Maximum Loan Amounts Including What Documentation to Providee (March 12, 2021)
- SBA Paycheck Protection Program FAQs (March 12, 2021
- SBA Paycheck Protection Program Loan Data (March 11, 2021
- PPP Update (March 4, 2021)
- SBA Interim Final Rule regarding Loan Amount Calculation and Eligibility (March 3, 2021)
- SBA and Treasury Announce PPP Re-Opening; Issue Guidance (January 8, 2021)
- SBA Interim Final Rules regarding pending relaunch of PPP (January 7, 2021)
SBA - items posted BEFORE December 31, 2020
- SBA PPP IFR - Paycheck Protection Program – Treatment of Owners and Forgiveness of Certain Nonpayroll Costs (August 25)
- SBA PPP Loan Forgiveness FAQs (August 11)
- SBA Final PPP FAQs (August 11)
- SBA PPP IFR - Appeals of SBA Loan Review Decisions Under the PPP (August 11)
- Senate Agreement Draft - CARES Act 2.0/Phase IV relief package (July 23)
- SBA Procedural Notice - Lender Submission of PPP (July 23)
- SBA Informational Notice - Identification and reporting of suspicious EIDL loan (July 22)
- SBA Office of Inspector General - EIDL Lender Alert (July 14)
- SBA Procedural Notice - Guidance on Monthly Form 1502 Filings (July 13)
- SBA PPP Activity Report by state (June 27)
- SBA's Revised Interim Final Rule - Revisions to Loan Forgiveness Interim Final Rule & SBA Loan Review Procedures. (June 22)
- SBA Procedural Notice - EIDL Refinance (June 19)
- SBA PPP Activity Report by state (June 20)
- SBA Form 3508EZ PPP Loan Forgiveness Application (June 17)
- SBA PPP Loan Forgiveness Application (June 17)
- SBA's Revised Interim Final Rule - Additional Revisions (June 12)
- PPP Revised Lender's Application (June 12)
- PPP Revised Borrower Application (June 12
- SBA PPP Activity Report by state (June 12)
- SBA EIDL COVID-19 Activity Report - by state (June 12)
- SBA's Revised Interim Final Rule - Business Loan Program Temporary Changes; Paycheck Protection Program – Revisions to First Interim Final Rule (June 11)
- PPP Revised Lender's Application (June 11)
- PPP Revised Borrower Application (June 11)
- SBA Form 1502 Procedural Notice (June 9)
- Joint Statement: Treasury/SBA Enactment of PPP Flexibility Ac t (June 8)
- SBA PPP Activity Report by state (June 7)
- SBA EIDL COVID-19 Activity Report - by state (June 6)
- SBA PPP Flexibility Act House Summary (June 4)
- SBA PPP H.R. 710 Bill Text (June 4)
- SBA PPP Activity Report by state (May 30)
- SBA EIDL COVID-19 Activity Report - by state (May 30)
- SBA PPP Activity Report (May 23)
- SBA's Interim Final Rule - PPP Borrower Loan Forgiveness (May 22)
- SBA's Interim Final Rule - Loan Review Procedures and Related Borrower and Lender Related Responsibilities (May 22)
- SBA PPP Form 1502 Reporting Process (May 21)
- SBA's Interim Final Rule - Business Loan Program Temporary Changes; PPP – Second Extension of Limited Safe Harbor, Certification Concerning Need for PPP Loan and Lender Reporting (May 20)
- SBA's Interim Final Rule - Treatment of Entities with Foreign Affiliates (May 18)
- SBA EIDL COVID-19 Activity Report (May 18)
- SBA PPP Activity Report (May 16)
- SBA PPP Loan Forgiveness Application (May 15)
- SBA - How to Research PPP Loan Data (May 14)
- SBA's Interim Final Rule - Business Loan Program Temporary Changes; PPP – Eligibility of Certain Electric Cooperatives (May 14)
- SBA's Interim Final Rule - Business Loan Program Temporary Changes; PPP – Loan Increases (May 13)
- SBA PPP Approvals by State (May 8)
- SBA's Interim Final Rule - Business Loan Program Temporary Changes; PPP – Requirements – Extension of Limited Safe Harbor/Certification Concerning Need for PPP Loan Request (May 8)
- SBA ND EIDL Fact Sheet (May 5)
- SBA PPP IFR Nondiscrimination & Additional Eligibility Criteria (May 5)
- News Release: EDIL for Ag Businesses (May 5)
- SBA Sale Procedural Guidance (May 1)
- SBA PPP Participation Data (May 1)
- SBA's Interim Final Rule - Seasonal Employees (April 28)
- SBA's Interim Final Rule - PPP Disbursements and Lender Fees (April 28)
- SBA PPP Guidance for calculating Loan Amounts (April 24)
- SBA's Interim Final Rule - Requirements for Promissory Notes Authorizations Affiliation & Eligibility (April 24)
- SBA's PPP Increase Act of 2020 - Section by Section (April 21)
- SBA's PPP Increase Act of 2020 - Legislative Text (April 21)
- SBA Paycheck Protection Program FAQs (May 19)
- SBA Paycheck Protection Program FAQs (May 19)
- SBA Paycheck Protection Program FAQs (May 13)
- SBA Paycheck Protection Program FAQs (May 13)
- SBA Paycheck Protection Program FAQs (May 6)
- SBA Paycheck Protection Program FAQs (May 5)
- SBA Paycheck Protection Program FAQs (May 3)
- SBA Paycheck Protection Program FAQs (April 29)
- SBA Paycheck Protection Program FAQs (April 26)
- SBA Paycheck Protection Program FAQs (April 24)
- SBA Paycheck Protection Program FAQs (April 23)
- SBA Paycheck Protection Program FAQs (April 14)
- SBA Paycheck Protection Program FAQs (April 13)
- SBA Paycheck Protection Program FAQs (April 10)
- SBA Paycheck Protection Program FAQs (April 8)
- SBA Paycheck Protection Program FAQs (April 6)
ABA
- ABA PPP FAQs (June 11)
- ABA PPP FAQs (May 27)
- ABA PPP FAQs (May 21)
- ABA PPP FAQs (May 6)
- ABA PPP FAQs (April 27)
- ABA PPP Talking Points (April 24)
- ABA PPP FAQs (April 23)
- ABA CARES Act FAQs (April 22)
Treasury Department
- Economic Impact Payments PAQs for Financial Institutions (May 1)
NDBA
- NDBA Bank Reopening Survey Results (May 5)
From the Regulators (Federal Reserve, FDIC & OCC)
- Main Street Lending Program FAQs (June 20)
- FDIC Proposes Rule to Facilitate Bank Participation in PPP, Money Market Facilities (May 12)
- Liquidity Coverage Ratio Rule - Treatment of Certain Emergency Facilities (May 5)
- FDIC PPP FAQs (April 25)
Compliance Alliance
Consumer Financial Protection Bureau (CFPB)
Frauds & Scams
- American Bankers Association – Tips to avoid coronavirus scams and protect your money
- World Health Organization – Beware of criminals pretending to be WHO
- Federal Trade Commission – Scammers follow the headlines
- U.S. Securities & Exchange Commission – Coronavirus-related investment scams
- SBS Cybersecurity - Hackers Don't Stop for a Pandemic: Tips to Remain Cyber Safe

General Resources:

ABA – Pandemic Response Resources
ABA FAQs for Bankers
CDC – Situation summary
CISA - Guidance on the Essential Critical Workforce
Compliance Alliance - Pandemic Planning for Banks
Compliance Alliance - Pandemic Resources for Community Banks
FDIC FAQs for Financial Institutions
FFIEC – Business Continuity Tools
ND Department of Commerce - Business & Employer Resource Page
ND Department of Financial Institutions - Listing of Temporary Branch Closings
ND Department of Health – Latest Information
World Health Organization – Daily updates and guidance

Marketing Items:

CARES Act Small Business Assistance - PPP Loan Summary
5 Tips Businesses Can Do Right Now - in preparation for CARES Act
Your Money is Safest in the Bank [news release] [pdf for distribution]
U nderstanding CASH