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DEPOSITS

  • Truth-In-Savings (Reg DD)

  • Electronic Fund Transfer (Reg E)

  • Expedited Funds Availability (Reg CC)

  • Part 330 – Deposit Insurance Coverage

  • Part 360 – Resolution and Receiverships

NON-DEPOSIT PRODUCTS

  • Insurance Sales

  • Investment Sales/Recordkeeping

  • Broker/Dealer Rules and Exemptions (Reg R)

OTHER PRODUCTS OR ISSUES

  • Community Reinvestment Act (Reg BB)

  • Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)

  • Enforcement Action Assistance

  • Privacy of Consumer Financial Information

  • Fair Credit Reporting Act including FACTA (Reg V)

  • Children's On-line Privacy Protection

  • CAN-SPAM

  • Telephone Consumer Protection

  • Marketing and Advertising Material

  • Garnishment of Accounts Containing Federal Benefit Payments

  • Part 328 - Advertisement of Membership

  • Electronic Banking, including E-Sign

  • Branch Closings – Section 42

  • Interstate Banking and Branching

  • Right to Financial Privacy Act

We conduct regulatory reviews over dozens of compliance regulations. Some regulations are reviewed individually and others as part of a major area review. Reviews are conducted both onsite and offsite.

Major ReviewS

  • Comprehensive Fair Lending Analysis

  • Compliance Management System

  • Residential Real Estate

  • HMDA Data Analysis

  • CRA Community Development

Lending

  • Truth-In-Lending - Including TRID (Reg Z)

  • Equal Credit Opportunity Act (Reg B)

  • Fair Housing Act

  • Home Mortgage Disclosure Act (Reg C)

  • Flood Insurance

  • Real Estate Settlement Procedures Act (Reg X)

  • Homeownership Counseling

  • Homeowners Protection Act

  • Helping Families Save Their Homes Act

  • SAFE Act (Reg G)

  • Preservation of Consumer Claims and Defenses

  • Fair Debt Collection Practices Act (Reg F)

  • Military Lending Act

  • Servicemembers Civil Relief Act

  • Consumer Leasing

Bank Secrecy Act/ Anti-Money Laundering

  • Risk Assessment

  • Customer Due Diligence

  • Currency Transaction Reporting

  • Customer Identification Program

  • Suspicious Activity Reports

  • OFAC Review