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The Regulatory Compliance & Growth Blog

Get the latest regulatory compliance news, consumer compliance insight, and growth strategies for your financial institution to succeed! If Fair Lending, CRA, HMDA, BSA/AML, UDAAP or branch strategy is a priority, this valuable blog is for you.

Blog Feature

Fair Lending  |  News & Tips

Apple Card’s Fair Lending Fiasco

While those tracking the mortgage industry have been digging through the new, expanded Home Mortgage Disclosure Act (HMDA) data, other types of Fair Lending data have been making news. This time instead of race or geographic location, it’s an issue of gender. The New York State Department of Financial Services is investigating whether the Apple Card discriminates against female applicants, offering them substantially less credit than male applicants.

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Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  Mortgage Lending  |  News & Tips

CRA Update: Will the Agencies End Up Going It Alone?

According to FDIC Chairman Jelena McWilliams, there is a chance that the agencies will end up not reaching an agreement on CRA modernization. We catch you up on what she means and what could end up happening.

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Data Analytics + Fair Lending: How It All Fits

Learn why data analysis is essential for Fair Lending compliance!

Get your copy of the perfect intro to Fair Lending analysis for beginners and experts alike.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips

All the Fair Lending News That’s Fit to Print

2019 has been a big year for Fair Lending news. In this post, we catch you up on the latest.

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Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending

What Does the NCUA Look for in a CMS?

The NCUA defines a compliance management system as a credit union’s overall approach to managing compliance risk. What does that mean for you?

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Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  Mortgage Lending  |  News & Tips

OCC Hopes to Issue Joint CRA Proposal This Fall

After a summer spent visiting communities to see where the Community Reinvestment Act (CRA) has succeeded, and understanding where it can be improved, Comptroller of the Currency Joseph Otting said he is hopeful that a joint CRA modernization proposal will be issued on an interagency basis this fall.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips

Can You Adopt an Agile Approach to Compliance?

One of the buzzwords in business these days is “agile.” If you’re looking to learn more about what an agile approach is, and how it can be used in compliance, this post is for you.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips

3 Benefits of Analytics Software vs. Manual Analysis of Your HMDA Data

In case you missed it, September 26th was National Compliance Officer Day. We're thankful for the important work compliance officers do every day, and here's why! [Read: 9 Reasons Why We Are Thankful For Compliance Officers] Are you still analyzing your Fair Lending data manually? If so, it’s time to consider a different approach. Here are the benefits of replacing a manual process with a software solution.

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News & Tips  |  Risk Management

9 Reasons Why We Are Thankful For Compliance Officers

September 26th was National Compliance Officer Day! The important work compliance officers do never stops, and should be celebrated every day, not just once a year. Here are 9 reasons why we are thankful for compliance officers, and why your coworkers should be too!

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips  |  Redlining

5 Fair Lending Lessons Learned in 2019

We are entering the last quarter of 2019, and now is a perfect time for compliance professionals to reflect on the changes we’ve seen so far. Here are five fair lending lessons learned this year.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips  |  Redlining

News Alert: 7 Fast Facts about the Just-Released 2018 HMDA Peer Data

Last week, on August 30, the FFIEC released the 2018 HMDA data, aggregated into one file. This HMDA data is a powerful and essential resource for the industry. Here are 7 fast facts your financial institution need to know.

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Banks  |  Credit Unions  |  Leadership & Personal Growth  |  Mortgage Lending  |  News & Tips  |  Risk Management

School's in Session: 3 Tips to Help You Ace Compliance

Vacation time is over - at least for now - and school is back in session! For many of us, that means work is also back in full-swing. Here are three essential, timeless tips for you to remember to ensure that you ace your compliance goals in 2019 and beyond.

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Fair Lending  |  HMDA  |  News & Tips

15 Key Insights from the CFPB Fair Lending Report [Part Two]

The CFPB released their annual Fair Lending Report to Congress earlier this summer. Here is the second part of our two-part blog about the regulatory insights gained from the 2018 Fair Lending Report.

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Fair Lending  |  News & Tips

15 Key Insights from the CFPB’s 2018 Fair Lending Report [Part One]

The CFPB released their annual Fair Lending Report to Congress earlier this summer. Here is the first of our two-part blog about the regulatory insights you may have missed from this important compliance update.

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Banks  |  News & Tips

13 Movies and Shows Every Bank Compliance Nerd Needs to Watch

The next time you sit down to relax with a good movie or show, consider one of these! Each of these 13 movies and TV shows relates to banking compliance, and will bring a new perspective on your job as a compliance professional.

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Banks  |  News & Tips  |  Risk Management

Tips for Implementing 3 Lines of Defense in your CMS from a Compliance Pro

Interested in learning how to implement three lines of defense into your compliance management system? If you're like most compliance officers, it can be a real challenge. That's why we spoke with one accomplished compliance professional, Melissa Komarnitzky, CRCM, CAMS, about her experiences and insights. Read on to learn a few best practices for how to create three strong lines of defense in your CMS.

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Banks  |  Credit Unions  |  Mortgage Lending  |  News & Tips  |  Risk Management

What are the Three Lines of Defense in a Compliance Management System?

Interested in learning more about how to define a strong compliance management system, and details on those three lines of defense? This post is for you.

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Fair Lending  |  News & Tips  |  Risk Management

2 Key Elements of a Successful Compliance Management System from the CFPB

Building a strong compliance management system is one of the top priorities for any compliance officer. In this post, you'll learn the essential elements for any successful CMS.

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Banks  |  Fair Lending  |  News & Tips  |  Risk Management

This $25M Settlement Highlights UDAAP Risk and FDCPA Changes

Earlier this week, the CFPB announced a $25 million in fines and restitution with the nation's largest debt-settlement services provider. This recent CMP highlights the potential changes to the Fair Debt Collection Practices Act, one of the centerpieces of Fair Lending compliance. Learn more about the CMP - and what it means for your debt collection practices - today!

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Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  Redlining

Fair Lending Fireworks: 3 Trends in the Hottest Area of Compliance

The Independence Day holiday is coming up! As we prepare to celebrate the U-S-of-A tomorrow, we wanted to have a little fun with compliance today. In this post, you'll learn what is sparking fireworks in Fair Lending compliance this year. This is the future of Fair Lending compliance and enforcement! Especially after the recent enforcement action, this is news you'll want to know.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  News & Tips

Does this $1.75M Fair Lending Consent Order Signal Changes in Compliance Enforcement?

June brought banking compliance professionals two Fair Lending actions, the first of such regulatory updates in months. Do these two regulatory actions signal a changing approach to Fair Lending compliance enforcement? Read on to find out.

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BSA/AML  |  Banks  |  CRA  |  Fair Lending  |  HMDA  |  News & Tips  |  Redlining  |  Risk Management  |  UDAAP

3 Lessons Learned from the ABA Regulatory Compliance Conference

Learn three essential trends shaping the compliance industry we've discovered after speaking with industry pros, compliance officers, lobbyists and regulators! These three key takeaways are important for every banking compliance professional to consider as they move forward in a rapidly changing regulatory environment.

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Banks  |  Credit Unions  |  Mortgage Lending  |  News & Tips  |  Risk Management

10 Exciting Sessions at the 2019 ABA Regulatory Compliance Conference

There are more than 50 sessions at next week's ABA Regulatory Compliance Conference, plus countless more events. To make sure you don't miss a thing, here are 10 sessions we're looking forward to most to consider adding to your schedule! Prep for success with this handy guide.

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News & Tips

TRUPOINT Partners is Becoming NTRUPOINT - What That Means For You

There are big changes coming to TRUPOINT Partners over the next few weeks and months. Here’s what all those changes might mean for you.

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News & Tips

Your Complete Guide to the ABA Regulatory Compliance Conference in New Orleans

Every year, the American Bankers Association hosts the Regulatory Compliance Conference. This is one of the premier events for compliance professionals in the country, and this year, it’s happening in New Orleans! From what to pack, to where to eat, this is the complete guide to how to have a successful ABA RCC.

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News & Tips  |  Risk Management

4 Key Risks Facing the Banking Industry, According to the OCC

The banking sector has undergone major changes over the last few years, and is set for many more. The result? You guessed it: changing risk exposure. Here’s what the OCC has to say about the biggest risks facing the banking industry.

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BSA/AML  |  Banks  |  CRA  |  Fair Lending  |  HMDA  |  Redlining  |  UDAAP

5 Free Compliance Resources to Download and Share

Although the compliance landscape has been relatively stable lately, it remains essential for compliance pros to keep their wits sharp. In this article, you'll gain five valuable, and free compliance resources that you can download and share with your colleagues. One of them is even a brand-new Fair Lending training module that you can use at your financial institution!

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Banks  |  News & Tips

10 Tips to Make the Most of Your Next Banking Conference

Here are 10 best practice tips to help you make the most of your next banking industry event! Plus, you'll learn valuable ways to make sure the rest of your financial institution can also benefit from these events. From packing to networking, these experience-tested guidelines will ensure your next conferences is a success.

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CRA  |  HMDA

Why Do I Need a HMDA and CRA Transmittal Tool?

The most frequently asked question we receive about HMDA and CRA submission is not how to do it, but whether you need a software solution to do it. If you're wondering why you might need a HMDA or CRA transmittal tool, this post is written just for you! You'll learn all the basics of the HMDA and CRA transmittal process, what tools are on the market, and the benefits of them all.

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Fair Lending  |  HMDA  |  News & Tips

How To Prepare for the Public HMDA Data Release Next Month

Financial institutions around the country are anticipating the release of additional HMDA data in early May. New data is coming; it will be different and have more depth. This blog will cover what will be included, what you need to know, and how to prepare for the May 2019 HMDA data release.

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Banks  |  Credit Unions  |  Mortgage Lending  |  News & Tips

9 Banking Compliance Changes You Can't Afford to Miss

Learn these 9 important changes to the compliance landscape that may impact your bank, credit union, or mortgage company. You can't afford to miss these banking compliance headlines! Read on to learn the details, and take the right steps to prepare.

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Fair Lending  |  Risk Management

Absolutely Everything You Need to Know about Fair Lending Risk Assessments

Fair Lending is a key area of regulatory scrutiny, and one that garners a lot of public attention. In this regulatory environment, it really pays to know your risk. One of the best ways to gain a clear and objective understanding of your Fair Lending compliance risk is through a Fair Lending risk assessment. Learn everything you need to know about them and get a free Fair Lending risk assessment matrix here!

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Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips  |  Redlining  |  Risk Management  |  UDAAP

7 Most Confusing Areas of Compliance for Compliance Pros

Some areas of banking compliance are consistently seen as more difficult, more complex, more confusing, or more vague than others. While individual compliance pros may have a personal list of the most challenging areas, here are 7 compliance topics that are widely regarded as complex - with tips and tricks to help make them easier for you!

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Risk Management

7 Risks that Third-Party Vendors Pose to Your Financial Institution

If you’re reading this, chances are you’re aware that partnering with a vendor can deliver valuable efficiencies, but also presents risks. In this post, you’ll learn some of the top risks that third-party vendors can pose to your FI.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending

How HMDA Plus Data is Changing Fair Lending Analytics

 Since the Final HMDA Rule was released in 2015, the banking sector has undergone dramatic changes. In this article, you’ll learn how the extended HMDA data, sometimes referred to as HMDA Plus data, impacts Fair Lending monitoring and analysis. Navigating this rapidly evolving compliance landscape is a challenge; this post will also show you a few ways that best practice institutions are responding.

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Risk Management

The Future of Finance: 5 Banking Trends to Watch

Bitcoin. Watson. Millennials. These are just a few of the buzzwords that have come to embody the important changes facing the financial industry. As the end of the year approaches, here are 5 banking trends to watch in 2018 and beyond!

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Fair Lending  |  HMDA  |  Mortgage Lending

4 Best HMDA Submission Softwares on the Market

If you're responsible for HMDA LAR submission, you know how stressful and challenging it can be. If you're researching your options for HMDA submission software, here are four of the top choices.

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Fair Lending  |  HMDA  |  News & Tips

What Should I Do After Submitting My HMDA Data?

If you're like most financial institutions, the March 1 HMDA filing deadline is a source of stress! Now that the deadline has passed and your HMDA LAR has been submitted to the federal government, here are 10 steps you need to take. These steps will help you reduce your risk, improve compliance, and even help to foster growth.

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Fair Lending  |  Risk Management

What is Fair Lending Discrimination?

In this post, you'll learn more about Fair Lending and discrimination. In addition, you'll see five examples of potential Fair Lending discrimination. How many of them can you correctly identify?

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Blog Feature

News & Tips

Everything You Need to Know about the TRUPOINT & Ncontracts Partnership

If you heard the news that TRUPOINT and Ncontracts have joined forces and wanted to learn more, this post is for you! In it, we'll be answering a few of your top questions and providing additional details about the partnership.

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Risk Management  |  UDAAP

3 Tips for Avoiding UDAAP Violations

UDAAPs, also known as "unfair, deceptive, or abusive acts or practices," are a key aspect of consumer compliance and continue to be a regulatory focal point. This post will help you learn how to reduce your UDAAP compliance risk, and avoid potential violations. Learn three tips for reducing your risk, and even get access to valuable UDAAP resources!

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Risk Management  |  UDAAP

UDAAP Compliance: Defining Unfair, Deceptive, & Abusive Acts and Practices

UDAAP is an important area of focus for compliance officers and financial institutions, and continues to make headlines. One of the most challenging areas is how to define unfair, deceptive, and abusive acts and practices for UDAAP compliance. If that's a challenge you're facing, this post is for you! In this post, you'll learn how to define UDAAP, and a few best practices for managing your UDAAP compliance risk.

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Banks  |  Fair Lending  |  HMDA  |  Mortgage Lending

5 Reasons to Love Your HMDA Data & Analysis!

 Tomorrow is Valentine's Day! In the spirit of the holiday, we're excited to share five real reasons to love your HMDA data. Since HMDA submission is just around the corner, now is an extra-important time to show that data some love.

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Banks  |  CRA  |  News & Tips

How to Tell if a Loan Qualifies as a CRA Small Business Loan

If you're responsible for CRA compliance, it's likely you've wondered whether a loan might qualify as a CRA small business loan. It can be a bit confusing, but this blog post can help. Read on to figure out what can be considered a small business loan for CRA compliance purposes.

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Fair Lending  |  HMDA

4 Key Stages of Your HMDA Data's Yearly Lifecycle

Learn the four phases that all HMDA data goes through in its yearly lifecycle, plus best practice strategies to make each stage a success. You'll also get a free infographic illustrating the HMDA data timeline that you can print and share with your team.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips

Your Quick Guide to the Recent HMDA Data Changes

It seems like there is a regulatory update to the Home Mortgage Disclosure Act every minute! Just last month, the CFPB released updated information about the HMDA data that will be disclosed in 2019. If you're a HMDA reporter, this post is for you. Plus, you'll also get access to a new-and-improved version of our insanely popular Guide to the HMDA Changes! Don't miss it.

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Auto Lending  |  BSA/AML  |  Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  Growth & Branch Strategy  |  HMDA  |  Mortgage Lending  |  Redlining  |  Regression Analysis  |  Risk Management  |  UDAAP

5 Fast Facts: TRUPOINT Partners' Compliance Solutions vs. The Others

New year, new growth, new challenges, and maybe even new vendors. If you're in compliance, you've heard of other companies that claim they can help, and you may have seen their software before. In fact, you may even be a subscriber of one of those softwares today. In this post, you'll learn some key questions to consider as you are researching solutions.

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BSA/AML  |  Banks  |  CRA  |  Fair Lending  |  HMDA  |  News & Tips  |  Redlining  |  Risk Management  |  UDAAP

11+ Banking Compliance Resources You'll Need in 2019

As 2019 heats up, we're focused on making sure that you have the resources you need to be successful. Here are 11 valuable compliance resources you'll want to bookmark. Make sure that you check back periodically. As time passes, we'll be updating this post with new content!

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Blog Feature

CRA  |  Growth & Branch Strategy  |  HMDA  |  News & Tips

5 Key Trends That Will Influence Your Compliance in 2019

As compliance professionals kick off the new year, it's a perfect time to consider some of the major trends that are changing the industry. In this post, you'll learn five of them, and what they might mean for your bank, mortgage company, or credit union.

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HMDA  |  News & Tips

A Compliance Officer's "Night Before Christmas"

It's the holidays! We hope that this compliance-themed holiday poem brings you joy and good cheer this season. Merry Christmas, Happy Belated Hannukah, Happy Kwanzaa, and warm wishes for the new year to all of our customers, friends, colleagues and partners. You have helped make this year incredible. Now, '"twas the Monday before Christmas, when all through the bank..."

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Blog Feature

News & Tips

64% of Compliance Pros Don't Have Enough Time to Manage Requirements [Industry Report]

In this free industry report, you will learn key statistics that reflect the state of compliance in 2018! Get this free Compliance Pulse report today.

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Blog Feature

Auto Lending  |  News & Tips  |  UDAAP

$11.8M UDAAP Compliance Settlement Highlights Regulatory Priorities

Do you know your UDAAP compliance risk? For all types of financial service providers, UDAAP risk management remains a focal point. In this blog, you will learn about a recent UDAAP settlement, and how to prepare for compliance success in 2019.

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Blog Feature

Banks  |  Credit Unions  |  Growth & Branch Strategy  |  Mortgage Lending  |  News & Tips

15 Unique Challenges of Banking Millennial Customers - and How to Address Them

As the banking industry changes, one generation finds itself at the center of these debates: millennials. In this post, you will pinpoint 15 of the unique challenges of banking millennial customers and learn how to address those challenges at your financial institution. Plus, you'll get a chance to win $150 by a completing survey about the state of compliance in 2018!

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Blog Feature

News & Tips

[Survey] Are You Tuned Into the Compliance Pulse?

If you're a financial professional, this is your chance to provide your feedback and enter to win $150. Just take this 12-minute survey and tell us about your experience in 2018. Click here to take the survey!

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Blog Feature

Fair Lending  |  HMDA

7 Insights You'll Get from this Free HMDA Fair Lending Report

With this free 2018 Edition of the HMDA Fair Lending report, you will learn 7 powerful data-driven insights. From gaining a clearer understanding of your risk to finding opportunities for good PR, this report can deliver real benefits. Learn all seven of them here, and get the free HMDA Benchmark report today!

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Leadership & Personal Growth  |  News & Tips

5 Strategies for Any Financial Institution's Social Media Success

Social media is bigger and more important than ever, but for many financial institutions, it’s never been harder to keep up. In this post, we’ll provide you with tips on how to better manage your social media presence, whether you’re one person with a million other things to do or a full-time marketer at a financial institution.

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Growth & Branch Strategy  |  News & Tips

5 Ways Intelligent Branch Planning Can Save Your Bank Millions

Your bank's branch network is a serious investment. How do you make sure that the investment is the right one, and in the right scale? Intelligent branch planning can provide the answer, and save your institution millions of dollars in the process. Here are five ways, backed by the numbers, that branch planning can help you save money and prepare to grow.

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Blog Feature

News & Tips

5 Scary Stories Guaranteed to Give You the Compliance Creeps!

It's Halloween, and you know what that means! The compliance ghouls, ghosts, and goblins are out to play. In this article, we will be sharing 5 recent stories that are guaranteed to give you the compliance creeps! You'll learn about a recent settlement, another community group's lawsuit against a bank, and a Fair Lending issue that is rising from the grave. Whether you're a compliance professional or a leader of a financial institution, these stories will give you a helpful survey of the compliance landscape. Get ready for tricks - and a treat!

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Blog Feature

Banks  |  CRA  |  News & Tips

5 Headlines that Illustrate the Future of CRA Compliance

This year, the Community Reinvestment Act has been a headline-grabber. From changing guidelines to full-scale CRA modernization, it's been all over the news. Here are a few recent headlines that help illustrate the future of CRA compliance. Banks of all sizes should make sure that they're prepared for what's to come. Based on the news, credit unions and mortgage companies will want to pay attention, too.

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Banks  |  Credit Unions  |  Mortgage Lending  |  News & Tips  |  Risk Management

5 Keys to Successful Relationships with Third-Party Vendors

Having third-party vendors has lots of benefits, but it's not always easy to manage those relationships. In this post, we'll be talking about how to have the most successful relationships with outside vendors or partners. From negotiations to risk management, here are a few tips we've learned along the way.

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Blog Feature

Auto Lending  |  BSA/AML  |  Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  Growth & Branch Strategy  |  HMDA  |  Mortgage Lending  |  Redlining  |  Regression Analysis  |  Risk Management  |  UDAAP

What Does TRUPOINT Partners Really Do?

If you've ever wondered what we really do here at TRUPOINT Partners, or if you've wondered whether we can help you, then this is the post for you. In it, you'll learn exactly how TRUPOINT helps financial institutions comply and grow.

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Leadership & Personal Growth  |  News & Tips

How to Build a Better Bank Budget in 7 Steps

It's October, which means that budgeting season at your financial institution is probably in full swing. In this post, you'll learn 7 tips for creating a better budget for you bank or department. Get ready to learn how to make the most of the budget you have, and get the budget you really want.

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BSA/AML  |  CRA  |  Fair Lending  |  HMDA  |  Redlining  |  UDAAP

Ultimate Compliance Glossary: 200+ Key Terms Defined!

It's back-to-school season! In that spirit, we're excited to release this Ultimate Compliance Glossary. In this post, you'll learn the 200+ compliance key terms, plus how to get the glossary!

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Blog Feature

Auto Lending  |  Fair Lending  |  HMDA  |  Regression Analysis

Everything You Need to Know about Fair Lending Regression Analysis

In this season, as kids go back to school and adults begin to prepare for the close of another year, we're going back to compliance basics for a few quick refreshers. On our list: Regression Analysis. In this post, you'll learn everything you need to know about Fair Lending Regression Analysis. In it, you'll learn who Regression Analysis is a good fit for, when and why to consider it, and much more. In keeping with the back-to-school theme, you'll also have a chance to get a refreshed, updated Fair Lending Regression Analysis Primer. 

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Blog Feature

Fair Lending  |  HMDA  |  News & Tips

Do You Qualify for the HMDA Small Filer Exemption?

The CFPB just released the details on the much-anticipated HMDA small filer exemption. Do you qualify? Read on to learn the basics of the updated HMDA rule that will guide your HMDA Submission in 2019, and learn what it means for you.

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Blog Feature

Fair Lending

5 Fun Ways to Celebrate the Fair Housing Act's 50th Birthday

It's "Back to School" season, so this month, we'll be covering the Compliance Basics. One of the most fundamental regulations to today's compliance landscape is the Fair Housing Act. As this landmark legislation turns 50, here are a few ways you can celebrate.

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Blog Feature

CRA  |  News & Tips

Your All-in-One Guide to the OCC's ANPR about CRA Reform

Yesterday, the OCC released an Advanced Notice of Proposed Rulemaking that outlines their efforts to modernize the Community Reinvestment Act. Since the OCC regulates slightly more than a fifth of all active banks in the US, this change has big implications for the industry. In this article, you'll learn all about what the ANPR says, and what it might mean for your bank - even if the OCC isn't your regulator.

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CRA  |  News & Tips

A Complete List of All 31 Questions in the CRA Modernization ANPR

Yesterday, the OCC released their hotly anticipated Advanced Notice of Proposed Rulemaking. In this post, you'll read all 31 questions the OCC is asking the industry and the public. 

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Fair Lending  |  News & Tips  |  Redlining

5 Lessons from HUD's "Digital Redlining" Complaint Against Facebook

Last week, the Department of Housing and Urban Development announced a formal complaint against Facebook for alleged "digital redlining." This story has valuable insights to offer financial institution leaders - even if they aren't immediately evident. Learn the three lessons we've learned from this formal complaint.

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CRA  |  News & Tips

Breaking: OCC Says Multiple CRA Downgrades for Discrimination Still Possible

In the most recent bulletin from the Office of the Comptroller of the Currency, the regulator explains how and when CRA ratings can be downgraded. In this blog, we'll get into this breaking news.

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Banks  |  Fair Lending  |  News & Tips  |  Redlining  |  Risk Management

Regulators Release 4 Valuable Warnings on Redlining Risk

Last month, the Federal Reserve Board released a brand-new compliance bulletin. If you've been following the news, you won't be surprised to learn that Redlining risk was the headliner. In this article, you'll learn what the regulators had to say about managing your Redlining risk, and a few warnings about what they're looking for.

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News & Tips  |  Redlining

11 Powerful Headlines Showcase the Media's Focus on Redlining

In the compliance world, Redlining remains a primary area of focus. Regulatory agencies, no matter their politics or priorities, agree that Redlining hurts communities and stifles growth. We have heard through the grapevine that some examiners are looking hard at Redlining exposure. In this article, you'll read 11 headlines that illustrate the multiple facets of Redlining - and the media's focus - today.

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Fair Lending  |  HMDA  |  Redlining  |  Risk Management

Is Your Compliance Program Reactionary or Proactive?

In this post, you'll learn how to tell if your regulatory compliance program is reactionary or proactive! You'll also learn why compliance is still critically important, and ways to improve your lending risk management.

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Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips  |  Redlining

$30,000 Fair Lending Settlement Highlights Power of Community Groups

Earlier this month, news hit of a Fair Lending settlement with a financial institution in New York. This one is interesting for a few reasons. In this post, you'll learn all about the settlement, and what it might mean for you.

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News & Tips

A Handy Guide to the Leading Names & Faces in Banking Compliance Today

In this era of rapid regulatory updates, intense politicization, and changing requirements, you may feel like you're not sure who the major players are, and what we can expect in the future. If that's the case, this blog post will help.

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Blog Feature

CRA  |  News & Tips

News Alert: CRA Modernization Will Be Here Soon!

The phrase on every compliance officer's lips is "CRA modernization." In this post, we'll share a few important news items, and outline what you can expect - and when. 

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Fair Lending  |  HMDA  |  News & Tips

Mythbusting 5 Rumors About the Dodd-Frank Rollback

One of the biggest stories in the banking and compliance industry over the last few months and arguably over the last couple of years was TRUPOINT’s introduction of its Branch Strategy Solutions...just kidding! Jokes aside, on May 24th of this year, President Donald Trump signed into law bill S. 2155, commonly known as “Economic Growth, Regulatory Relief and Consumer Protection Act.” This law will roll back certain portions of the Dodd-Frank Act, which was passed earlier this decade. This is important because the new law is NOT an entire repeal, and in fact, has sparked a couple of myths that we'll be busting here. 

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Banks  |  News & Tips  |  Risk Management

Your All-in-One Guide to the ABA's 2018 Regulatory Compliance Conference in Nashville

The American Bankers Association's Annual Regulatory Compliance Conference kicks off this weekend in Nashville. If you'll be attending, this is the post you need to read to make sure you get the most out of the conference. In it, you'll learn the sessions to attend, local restaurants to try, and anticipated highlights of the conference! Of course, that includes visiting TRUPOINT at Booth 610 - but we'll tell you more about that later.

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Banks  |  Leadership & Personal Growth  |  News & Tips

3 Unusual Advantages of Women in Banking

Women in male-dominated industries tend to share the same kinds of challenges: lack of wage equality, glass ceiling, limited number of role models, and even outright sexism. In post four of our "Beyond Banking" series, you'll learn some of the unusual advantages to being a woman in the banking workforce, and how you can leverage those to help solve other gender-based problems.

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News & Tips

7 Buzzworthy Headlines in Compliance and Banking for May 2018 - Recap!

Here are the top 7 most buzzworthy headlines about compliance, banking, and personal development that from May 2018. Take a look, and stay up-to-date on the breaking news.

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Leadership & Personal Growth  |  News & Tips

12 Tips to Help You Ace Your Next Board Meeting Presentation

For many bankers, no matter their role, making a big presentation at the Board of Directors meeting can be exciting at best and  stressful at worst. In this post, the second in our "Beyond Banking" series, we'll be talking about new ideas to help you grow in your role and expand your skill-set beyond banking into leadership, negotiations, personal success, and more! In particular, this post will focus on practical tips you can use to ace your next Board meeting.

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Leadership & Personal Growth  |  News & Tips

7 Ideas for Being a Better Negotiator with Your Team, Boss, and Board

In this post, the first in our "Beyond Banking" series, we'll be talking about some of the more personal aspects of banking. We will talk about things like leadership, culture, diversity, conflict-resolution, and in this post, negotiation. Whether you're a natural negotiator or are working to improve your skills, you'll learn some new tips to help you walk away from the next conversation in a better position. 

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CRA  |  Fair Lending  |  Redlining

Compliance's Bermuda Triangle: REMAs, Redlining, and CRA

In compliance, there's usually some grey area that might not be precisely "on the map" - and some of those areas are more risky than others. In this post, you'll learn about a tricky area of compliance that exists between REMAs, Redlining, and CRA - and how to navigate it.

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CRA  |  News & Tips

Have You Heard of the Sweeping Overhaul That Would Change CRA Forever?

The OCC and other regulators have made it clear that Community Reinvestment Act (CRA) compliance is a top priority in 2018. Specifically, regulators are looking to implement big changes to the decades-old regulation. Have you heard the latest?

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Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips

3 Trends Revealed by the 2017 Public HMDA LAR Release

The 2017 Home Mortgage Disclosure Act Loan Application Register is public - four months earlier than usual! Do you know what the public HMDA LAR data says about you? Here are 3 mortgage lending trends to watch in 2018.

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BSA/AML  |  Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  HMDA  |  News & Tips  |  Redlining  |  Risk Management  |  UDAAP

5 Factors Your Consumer Complaint Management Program Needs to Succeed

Complaint management is an important part of your financial institution's efforts to comply and grow. There are many potential benefits of consumer complaint management, such as more quickly identifying potential issues, building better relationships with consumers, and proactively managing risks. Here are 5 factors that your consumer complaint program needs to succeed.

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Banks  |  CRA  |  News & Tips

Learn What CRA Modernization Would Mean for American Banks Like Yours

Experts put the likelihood of Community Reinvestment Act modernization somewhere between "possible" and "likely." That means it's time to make sure you understand the changes on the table, and what they might mean for you. In this post, we will outline the four CRA recommendations made by the Treasury Department, and how they could impact your CRA compliance program.

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Growth & Branch Strategy  |  News & Tips  |  Risk Management

Is Your Bank Considering a Merger or Acquisition? Here's How Compliance Risk Can Impact the Deal

Mergers and acquisitions are an important reality of the banking landscape today, and we're expecting to see a renewed wave of activity over the coming months driven by a rising SIFI threshold. If your bank is considering a merger or acquisition, you owe it to yourself to read this post and learn why compliance really matters to the success of the deal. 

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BSA/AML  |  News & Tips

FinCEN Publishes 37 Much-Anticipated Beneficial Ownership FAQs

File this under: News You've Been Waiting For... Last week, FinCEN published the "Frequently Asked Questions Regarding Customer Due Diligence Requirements for Financial Institutions." As we approach the implementation deadline for the Customer Due Diligence/Beneficial Ownership next month, it's good news that the FAQs are finally out. Learn more about what's included and where to find them in this post.

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CRA  |  Fair Lending  |  Redlining  |  Risk Management

How to Understand Your Redlining Risk in 3 Simple Steps

As a financial institution, it's essential that you know your Redlining risk. In fact, Redlining remains one of the top areas attracting attention right now. In this post, learn how to understand your Redlining risk in just three simple steps.

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Banks  |  News & Tips

12 Banking Buzzwords You Need to Know In a Digital Financial World

If you're a banker, or you work in finance, then you've probably heard at least half of these buzzwords. But do you know what they mean? Learn the meanings of these common and not-so-common keywords that banking and finance professionals need to know.

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Banks  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending

7 Quick HMDA Compliance Videos to Watch & Share

The public HMDA LAR could be released as soon as next week. Are you prepared for Fair Lending and HMDA compliance with this accelerated timeline? Here are 7 videos to help you learn and prepare.

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News & Tips

7 Banking and Finance Headlines You May Have Missed in the Madness of March

If you have a pulse and work in compliance, chances are you spent the beginning of March working to get your HMDA LAR data submitted. Knowing that, we can’t blame you if some of the major headlines in the banking and compliance world slipped past your radar!

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Banks  |  Fair Lending  |  HMDA  |  Mortgage Lending

7 Essential Steps Now That You've Filed Your 2017 HMDA LAR

Now that your HMDA data has been filed, you can relax a little bit. Or can you? In this post, you'll find out what's on the compliance horizon, and what you need to do about it. In addition, you'll also get access to a free post-HMDA submission Fair Lending compliance checklist.

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Growth & Branch Strategy  |  News & Tips

See the Future of Bank Branches - and What It Means for You [Infographic]

Your bank or credit union's growth plans in 2018 and beyond absolutely depend on your branch strategy. That said, the future of branch banking is more complex and the function of branches is changing. In this post, you'll see into the future of bank branches, and learn what it means for your financial institution's growth strategy.

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CRA

(Almost) Everything You Need to Know about CRA Performance Context

When it comes to CRA compliance, your so-called "performance context" could be a source of uncertainty. What is it exactly? What does it mean for my bank? How should I create it? In this post, we will demystify this key compliance concept, and share links to 10 helpful resources to help you understand it better.

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Banks  |  CRA  |  Fair Lending  |  Redlining  |  Risk Management

5 Common Reasons for Bad CRA Compliance Exam Ratings

The Community Reinvestment Act (CRA) is a big part of consumer compliance today - and has been since the late 70s. As you work towards compliance success, it's important to keep an eye on your CRA performance and redlining risk. After all, your CRA exam ratings are public!

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Blog Feature

BSA/AML

Train Your Team on Customer Due Diligence and Beneficial Ownership with this BSA Compliance Rap!

One incredibly creative and clever compliance professional posted this helpful, fun rap about CDD requirements online. Read her training rap, and learn more about Customer Due Diligence requirements here.

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Growth & Branch Strategy  |  News & Tips  |  Risk Management

5 Common Growth & Compliance Problems You Can Solve with a Better Branch Strategy

Now is the time to consider your growth goals and risk exposure, and develop strategies that will lead to your success. As we all know, good compliance is good business. But it's also true that good business can be good for compliance!  Here, you'll learn five common growth and compliance related problems, and how a better branch strategy can help you solve them.

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News & Tips

5 Financial and Banking Headlines You May Have Missed This January

It's the start of 2018 and you're busy. That's why we've pulled together 5 trends in finance and banking that you may have missed. From CFPB updates to branch strategy, we'll share some great articles and tell you what it means for you.

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Blog Feature

Fair Lending  |  HMDA

Answers to 7 Basic FAQs about the Final HMDA Rule

Yesterday, TRUPOINT hosted a quick webinar to cover the 5 most frequently asked questions we're receiving about the final HMDA rule. We get these questions almost every day, and even though they're basic, we're sure that you'll find them helpful.

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Fair Lending  |  HMDA  |  Risk Management

How to Prepare for Fair Lending Exams in a HMDA Plus World

HMDA Plus, or 2017 Final HMDA Rule, changes will have a distinct impact on Fair Lending exams in the future. In this post, we will discuss how updates to the Home Mortgage Disclosure Act are likely to change Fair Lending exams in 2018 and beyond, and how you can prepare.

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Fair Lending  |  HMDA

A Step-by-Step Guide to Implementing the New HMDA Rules in 2018

In this blog post, you'll learn a few of the most important steps of implementing the new HMDA rules, and see links to all of the most important HMDA resources. Use these steps as guidelines to help ensure your success with implementing the new HMDA rules.

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BSA/AML  |  Banks  |  CRA  |  Credit Unions  |  Fair Lending  |  HMDA  |  Mortgage Lending  |  News & Tips  |  Risk Management  |  UDAAP

20+ Often-Overlooked Compliance Resources, Organized by Regulation

In this post, you'll find at least 20 regulatory compliance resources designed to reduce the burden of compliance risk management. It is by no means comprehensive, but we're confident that you'll find it valuable and learn at least one new tool to make your life a little easier.

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Blog Feature

News & Tips

Don't Miss the Top 10 Compliance Blog Posts of 2017!

As 2017 comes to a close, let's take a few minutes to review some of the most popular blog articles of this year. You'll learn about CRA, Community Development, UDAAP, and of course, Fair Lending and Redlining. 

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Blog Feature

Banks  |  CRA  |  News & Tips  |  Risk Management

8 Steps to a Successful Community Reinvestment Act Compliance Strategy

Do you have a strategy for Community Reinvestment Act compliance? You should. It's an important indicator to examiners that you are serious about CRA compliance. Learn more about the 8 elements of a strong CRA strategy here!

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Blog Feature

Banks  |  CRA  |  Fair Lending  |  HMDA  |  News & Tips

Alert: Amendments to CRA Regulations Will Go Live Jan. 1, 2018

The regulatory agencies have released amendments to the Community Reinvestment Act that will more closely align that regulation's requirements with the new HMDA rule. Here are the basics of what you need to know.

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News & Tips  |  Risk Management

5 Free Technologies Every Financial Professional Will Love to Use

Whether you're a Compliance Manager, Loan Officer, or Bank President, here are 5 free technologies you should be using to increase productivity, solve problems faster, and reduce stress. Best of all? They're all free.

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Blog Feature

Fair Lending

5 Pro Tips from the 2017 Interagency Fair Lending Hot Topics Webinar

Last month, the regulators hosted the annual Interagency Fair Lending Hot Topics webinar. In it, they talked about HMDA, Fair Lending analysis, consumer lending, and more. Read on to learn pro tips from the webinar.

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Growth & Branch Strategy  |  News & Tips  |  Risk Management

5 Ways to Convince Management that Compliance is Important

A strong tone from the top is essential for compliance success. In this post, you'll learn 5 ways to show your CEO and Senior Management why compliance is important, and help improve your financial institution's culture of compliance.

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Blog Feature

News & Tips

The Rising Cost of Compliance & How the Best Banks Respond [Infographic]

The cost of compliance is rising steadily for financial institutions nationwide. Since it's budgeting season, now is the time to learn a little more about rising compliance costs, what's driving them, and how the best banks are responding.

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Blog Feature

Fair Lending  |  HMDA

5 Tips for Successfully Navigating the New 2018 HMDA Regulations

The word on every compliance officer's lips these days is "HMDA."  Here are 5 tips to help you prepare to navigate the challenges of the upcoming HMDA compliance changes.

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Blog Feature

Risk Management

Beware these 5 Spooky Ghosts that Haunt Your Compliance Program!

From facing the upcoming HMDA changes to trying to get a bigger compliance budget, there are plenty of potential frights in your risk management. This Halloween, make sure that these 5 ghouls, ghosts, and goblins aren't haunting your consumer compliance program. If any of these problems are plaguing your program, you'll learn how to get rid of them - with just a little practical magic.

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Banks  |  News & Tips

Creating a Successful Compliance Program: Budgets, Buy-in & Building a Team

Expanded regulations and heightened scrutiny have urged financial institutions country-wide to prioritize compliance efforts. Given the complex nature of consumer compliance and risk management, compliance officers are challenged to build multi-faceted programs that ensure Fair Lending across the organization. But developing an effective compliance program is tough -- and the stakes are high. There’s not a lot of room for failure, and you’re already pressed for time.

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Blog Feature

Fair Lending

Is Fair Lending Software Worth the Cost? 21 Factors to Consider

When your compliance budget is limited, it’s natural to assume that the cost of purchasing a Fair Lending software is simply too expensive for your institution. You’re already shelling out for training programs, resources and other tools to ensure that your Fair Lending strategies are on track, and quite frankly, getting leadership buy-in for another expense can be challenging. But do you know the potential cost of not using a Fair Lending analysis software?

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Blog Feature

CRA  |  Fair Lending  |  Redlining

See What Real Customers Say about Partnering with TRUPOINT on Fair Lending, HMDA, CRA & Redlining Compliance

Earlier this year, we conducted a quantitative Customer Happiness Survey wherein we asked every TRUPOINT Analytics user to tell us how they used the software, and if they liked it. The results were astounding. If you're a current customer, you may learn a new way to leverage the platform. If you're in the market for compliance software, you're probably looking for product reviews from others in the industry. See what real TRUPOINT Analytics customers say about partnering with us on Fair Lending, HMDA, CRA and Redlining compliance analysis. 

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Leadership & Personal Growth  |  News & Tips  |  Risk Management

The Best Time Management Tools for Compliance Professionals

Deadlines, meetings, coordination, analytics, reporting, regulation updates -- the list of responsibilities for compliance professionals in financial institutions today seems endless. Not to mention the fact that you’re operating in a high-risk and highly complicated industry, which makes accuracy and attention to detail paramount.

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Blog Feature

Auto Lending  |  Fair Lending  |  Redlining

Do You Know the DOJ's Top 3 Fair Lending Priorities?

In September, the DOJ released an annual Fair Lending report. The report showcased some of the Department's priorities for the past 12-18 months. Here are those priorities, plus some additional data points you need to know. The top takeaway: Redlining compliance is still a primary area of scrutiny.

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News & Tips

Attention Compliance Professionals: How to Leverage LinkedIn to Do Your Job Better

Contrary to what you might think about LinkedIn, this popular social media site is not just for job seekers and recruiters. It’s a valuable platform for many different types of businesses and professionals. Of course, that’s IF you know how to use it appropriately and effectively. As a compliance professional, there’s much to be gained by leveraging LinkedIn for your financial institution.

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Blog Feature

Fair Lending  |  HMDA

5 Things the Best Compliance Officers Will Do with the New Public HMDA Data

Last Thursday, Sept. 28, the regulators released last year's public HMDA LAR. When the public HMDA LAR is released, it sparks a lot of Fair Lending compliance activities. But which activities are the right ones - and why are they so important?

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Blog Feature

Fair Lending  |  HMDA

Top 13 Proven Benefits of HMDA Software for Fair Lending Compliance [Part 2]

Welcome to part two of the top 13 benefits of using a HMDA analysis software to improve your Fair Lending compliance!  You already know why data analysis is important. Now learn six more ways that HMDA software can help.

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Blog Feature

Fair Lending  |  HMDA

Top 13 Proven Benefits of HMDA Software for Fair Lending Compliance [Part 1]

Leveraging a HMDA software for your data analysis and risk management can yield surprising benefits for your Fair Lending compliance program, and institution as a whole! Read on to learn how today.

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Blog Feature

Fair Lending

How to Use the CFPB's New HMDA Data Tool for the First Time

The CFPB is expected to release their HMDA data submission tool in the upcoming months. In this post, we'll discuss some key facts and features about the new HMDA Platform, and what it might mean for you.

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Fair Lending  |  Redlining

How to Build a Strong Fair Lending & Redlining Compliance Management System

Fair Lending and Redlining compliance remain key regulatory priorities in 2017 and 2018. As you work to build a strong Fair Lending and Redlining compliance management system, there are a few things to keep in mind. In this article, you'll learn how to build a strong Fair Lending and Redlining compliance management system to help reduce risk exposure.

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Fair Lending  |  News & Tips

9 Fresh Compliance Stories that Made a Splash this Summer

As the summer comes to a close, you may be among the many compliance officers nationwide returning from vacation and settling back into the office. Here are 9 fresh compliance articles published this summer that you may have missed, and what they mean for your financial institution.

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Blog Feature

Fair Lending  |  HMDA  |  Risk Management

The Top 10 Worst Excuses for Not Analyzing HMDA Data for Fair Lending Compliance

In September, the regulators will release the public HMDA data. For many institutions, this will mean analyzing your HMDA data and comparing to peers and benchmarks to identify potential risks. While we're not naming any names, this time of year also means we hear a lot of excuses for why financial institutions aren't analyzing their HMDA data. Here are the top 10 worst excuses for not analyzing HMDA data regularly - and why they're risky. Not only will you learn why data analysis is important, you'll learn some key data points to consider.

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Blog Feature

Redlining

7 Ways to Analyze Your Data for Redlining Compliance Risk

Redlining compliance remains a priority for regulators, and Redlining risk management remains a key responsibility for financial institutions nationwide. As we've reported, data analysis is central to Redlining compliance risk management. In this post, you'll see proof that the regulators are focusing on Redlining, reasons why Redlining data analysisis essential, and most importantly, 7 ways to analyze your data for Redlining compliance risk. Let's jump right in.

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News & Tips  |  Risk Management

7 Tips for How to Respond to Bad Compliance Exam Results

Compliance exams are stressful and challenging to endure, and managing the repercussions of a less-than-favorable exam are even more so. In this post, we will share 7 experience-tested tips for how to respond to a bad compliance examination. Each recommendation is based in personal experience as a former compliance officer at a bank, and in TRUPOINT's collective experience as consultants, analysts, and thought leaders. In addition to guidance for how to respond to a bad exam, you'll also learn a few ideas for how to be proactive in the face of an exam, in case you're currently in that situation.

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Blog Feature

Fair Lending  |  Risk Management

Fair Lending Quiz: Assess Your Compliance Risk Exposure!

Fair Lending is still a top regulatory priority in 2017. As a financial institution, Fair Lending compliance risk management is essential, and it's important to understand your risk in order to effectively manage it. In this post, you'll learn more about key risks and get access to a free Fair Lending quiz!

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Blog Feature

Fair Lending  |  Redlining

Redlining Analysis Remains a Top Priority for Regulators & Raises These 5 Questions

Regulators continue to prioritize Redlining compliance. In this post, you will learn more about the regulators' perspective, why they say data analysis is essential for Redlining risk management, and learn key questions you need to ask about your Redlining risk. We will focus on 5 key questions every lender needs to answer to understand their redlining compliance risk, and show you how you can find the answers.

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Blog Feature

Fair Lending  |  Risk Management

8 Key Questions to Help You Determine Your Unique Fair Lending Risk

Here are 8 questions you need to ask about your Fair Lending compliance program, and one ultimate question. Can you answer them all?

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Blog Feature

Banks  |  Fair Lending  |  Risk Management  |  UDAAP

The Top 7 Lessons Learned at the ABA Regulatory Compliance Conference

Every year, the American Bankers Association hosts the Regulatory Compliance Conference. Last week, almost 2,000 bankers and compliance professionals traveled from all over to attend the conference in Orlando. I attended many informative sessions led by some of the leading minds in the industry, and came home with new perspectives, ideas and recommendations to consider. In this post, I'll share the top 7 things I learned at the ABA RCC conference. Read on to learn more!

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Blog Feature

Fair Lending  |  Risk Management

What is A Real-World Example of Fair Lending Discrimination?

When news of a settlement, enforcement action, civil money penalty or other regulatory news breaks, it provides a valuable opportunity to learn. In particular, it provides a good chance to see the potential impacts of Fair Lending risks and violations.

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Blog Feature

Risk Management

Visit Us at Booth 323 at the ABA Regulatory Compliance Conference This Weekend!

We're excited to be exhibiting at the American Bankers Association's annual Regulatory Compliance Conference next week in Orlando. Swing by and visit us at Booth 323 and enter to win an Apple Watch!

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Blog Feature

BSA/AML  |  Risk Management

BSA/AML Compliance by the Numbers [Infographic]

Interested in learning more about the BSA/AML compliance landscape? You've come to the right place. It's essential to keep an eye on the trends in the industry. A recent survey of 160 compliance officers provided valuable insights about their BSA/AML compliance. Read on to see the results, and learn how you compare.

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Blog Feature

Fair Lending  |  Leadership & Personal Growth  |  Risk Management

7 Fair Lending Tips Every CEO & Board Member Needs to Know

Here are 7 Fair Lending tips every CEO, President and Senior Board Member should know in order to reduce risk and improve compliance. Plus, get a free eBrief that summarizes these tips.