1. Large Bank Compliance Huddle
February 2017

2. Recent Exams Does anyone currently have examiners on-site?
Is there still a continuing increase in request information?
What is the focus of the on-site?
Has anyone just been through an exam or recently received their ROE?
Has examiner “tone” changed from the last on-site?
Are the reports giving credit where credit is due, or if there were concerns, are the reports written in such a way that the regulators are seemingly sympathetic or more demanding?
What are some of the areas of focus?

3. Bank-Level Compliance Committee
Have you set one up?
Any advice on what it should look like and function?

4. Recent Executive Orders
What do they mean to your bank and how have they impacted you?
Is the DOL fiduciary rule dead?

5. Reg. B and Credit Decisions
Larger banks = more loan officers
How are you keeping track of their applications?
How do you make sure that credit decisions are made within 30 days of a completed application or that a notice of incomplete is sent within 30 days of an application?
What are you defining as an “application” and “completed application”?

6. Anything Else on Your Mind…

7. Questions?
Thank you for your participation and input into the conversation! If you have any additional questions, contact Compliance Alliance at or