1. Compliance Huddle
July 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. Agenda Exams/Audits Findings REMA/Assessment Area
Changes to funds availability
Updated mortgage servicing rules
Fair Lending
Anything else on your mind
HMDA

4. REMA/Assessment Area Do all regulators understand the difference?
Anyone experiencing a mixing of the two in exams?
Inconsistency of application of standards?

5. Changes to funds availability
What are the changes?
How will they affect the Bank?
Are the changes applicable to everyone?

6. Updated mortgage servicing rules

7. Fair Lending Permissible Use of a Credit Report?
Reuse of a credit report?
Applications TRID versus ECOA.

8. HMDA
Collection of Government Monitoring Information if your Bank ends up being exempt from reporting for that year.
HMDA's possible effect on CRA and Fair Lending
HMDA developments?

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