1. Compliance Huddle
January 2018

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 Recent Exams Reg CC BSA and Beneficial Ownership Fair Lending
This and That

4. Reg CC Terms and Conditions
Is everyone updating their entire terms or just the mobile dep and RDC capture agreements?
What kind of compliance reviews are being done?

5. BSA What is the continuing concern?
Beneficial Ownership
What is the continuing concern?
Automated model validation
How are peers having this completed? Internal or third party?

6. Fair Lending Expectations Recent exams Criticisms
How you monitor internally
What do you look at on notice of action taken – denials?

7. This and That Cole memo rescinded Social Media
Interactive Teller Machines
TRID training – June - line by line completion of LE and CD in accordance with the new rules

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