Compliance Tools

Confused by the TRID date rules? Based on the application date, when is the Loan Estimate required to be delivered, when is it considered received, how do Changed Circumstances change things, when are Closing Disclosures required and when can you close the loan?

Branch Auditing Workpaper

This is an auditing tool to look at signage and briefly understand the compliance culture and skillset of the branch employees.

Higher Risk Customer Review Checklist

This tool is used for documenting enhanced due diligence (annual or more frequently) on cash intensive customers, MSB's and those with private ATM's.

Audit - Privately Owned ATM

BOL user P*Q has provided a checklist her bank finds useful and she hope you may as well.

Gathering Demographic Info under HMDA

Heather Carlson created a training tool for the 2018 HMDA data collection.

Reg O in a Box

Pam Zbylut put Reg O in a box! By making the box fairly devoid of "regulatory gobbletygook", Pam reports it works well for the loan officers.

Exception Spreadsheet

From our friends at AccuSystems, this is a free spreadsheet to track exceptions. It includes the basic logic from its exception management software made simple.

CDD Starter Checklist

Have you begun change management procedures on the new Customer Due Diligence and Beneficial Ownership rules?

SCRA-MLA Quick Reference Guide

A chart in tabular format that compares and contrasts the Servicemembers Civil Relief Act and the Military Lending Act.

Minimum Flood Coverage Calculator

With the input of the loan balance, property value and type of property the spreadsheet calculates the minimum flood coverage required.

Reg CC Reference Sheet

A quick reference guide to Reg CC availability requirements.

Non-Profit Customer Profile

This Non-Profit Customer Profile form allows a bank to build its initial risk profile of a non-profit customer in conformance with BSA requirements, at account opening.

Sample Transactions Under Reg CC

Sample transactions to practice placing holds under Reg CC.

FDIC guidance on extended overdraft fees

This March 2014 newsletter issued by the Kansas City Branch of the FDIC includes an article about the FDIC's view of and concerns about the practice of charging fees when a consumer's deposit account has remained overdrawn for more than a prescribed number of days

Audit Management Workbook

This Excel spreadsheet is a tool for managing audits.

The three tabs to the worksheet are a planning calendar that indicates when audits are scheduled including the projected completion date, who the auditor will be and the date of actual completion. The second tab is an overview of the audit results and the third tab is a compilation of violations found that are tabulated and expressed in pie chart form by type and location. Tab 2 is meant to be used in a management recap report as are the pie charts. This is done automatically in a separate Word file report on the state of the audit program. Write once - read many.