1. Large Bank Compliance Huddle
April 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
How are others handling renewals – Not refinance, the actual renewals, pertaining specifically to the ULI
Other HMDA concerns
How’s systems coming along

4. Debit Cards for Minors Does anyone issue debit cards to minors?
If so, please share your process or requirements

5. Foreign ATM Card Capture
If a foreign ATM captures your customer card – How do you verify the destruction of the card?
Are those captured cards returned to the bank?
Please share the process

6. The New URLA
Anyone using the new URLA?

7. Enforcement Actions and News
CFPB – 1.25 million for violation of a consent order - This company (Security National Automotive Acceptance Company) violated a Bureau order when it failed to get money back to servicemembers it had hounded with illegal debt collection tactics,” said CFPB Director Richard Cordray. "We are making sure this company finally rights its wrongs."

8. Anything Else on Your Mind…

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