1. 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?
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3. HMDA Phases In First Phase: 1/1/17
Primarily affects low volume institutions, not much change for larger institutions
Second Phase: 1/1/18
Effective date for most provisions
New data collection fields required
Third Phase: 1/1/19
Enforcement changes and some additional reporting amendments
Last Phase: 1/1/20
Quarterly reporting
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4. HMDA How is your bank preparing for the new data submissions?
Do you have the resources to handle the expanded reporting requirements?
Are you working with software providers?
Any indication if providers will be ready?
Budget: how much is this going to cost?
Any other concerns?

5. Beneficial Ownership Reliance on 3rd Party CIP Are others doing this?
Any regulatory criticism?

6. New Compliance Rating System
Has anyone had an exam under the new rating system?

7. Regulatory Freeze How will this impact your bank?
_Trump_Administration_Initiates_Regulatory_Freeze.pdf
How will this impact your bank?
What rules are you waiting on?
Does this help or hurt?

8. Anything Else on Your Mind…
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9. Questions?
Thank you for your participation and input into the conversation!
If you have any additional questions, contact Compliance Alliance at or
Please click the “raise hand” button by your name if you would like to speak and we will
unmute you. Please be prepared for all background noise/speaking to be heard as soon as you
raise your hand.