1. Compliance Huddle
September 2016

2. Today’s Agenda Recent Exams
MLA – Guidance and Mandatory Compliance Date
Elder Abuse
Beneficial Owners
Same Day ACH
TRID - Amendments

3. Recent Exams Does anyone currently have examiners on-site?
Is there a change in the type of information being requested?
What is the focus of the on-site? Compliance/Safety and Soundness/IT/CRA
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?

4. MLA Oral disclosure Paying by Check Deposit Secured Right of Set-off
Other…

5. Elder Abuse CFPB Issuances Bank Program?
How are banks handling suspected Elder abuse?

6. Beneficial Owners Platform changes? Policies?
Where is everyone on this requirement?

7. Same Day ACH
Phase I of mandatory compliance quickly approaching – 9/23
How is everyone handling?

8. TRID
Amendment – and, go……

9. Anything Else on Your Mind…

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