1. Compliance Huddle
September 2017

2. Agenda Exams/Audits Findings HMDA CDD-EDD Vendor Testing
Equifax breech- i.e. what is the duty/responsibility of the banks?
Reg CC and Mobile Deposits

3. 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?

4. HMDA How many have the new 1003 available in the loan system?
Does anyone have a HMDA record form prepared with all the new fields?

5. CDD-EDD Vendor Testing
How are other banks planning to notify customers of the Beneficial Ownership requirements?
Does anyone have a vendor that is ready to capture Beneficial Ownership information?
Are vendors ready for testing?
How are you testing the vendor for compliance?

6. Equifax breech What is the duty/responsibility of the banks?
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7. Reg. CC and Mobile Deposits
What’s on your mind?

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