1. Large Bank Compliance Huddle
September 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. HMDA
Verifications before LAR and after

4. Equifax
Are banks getting questions from customers about whether their bank was compromised?   
Are banks doing anything to proactively encourage customers to check if they have been compromised (i.e., link on bank website; social media post). 
Have banks made a decision not to report to Equifax?
As a matter of practice, do banks disclose that they reports deposit/credit performance to credit bureaus?

5. Fair Lending
Follow-up

6. Beneficial Ownership Requirements
Any updates

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