Tom Thomas, founder and president of TCA, Inc. ­ the Thomas Compliance Associates ­ has been part of the financial compliance scene for nearly 30 years. Tom has written compliance books and guides. . . written countless articles on banking compliance issues. . . taught compliance to students ranging from tellers to examiners. . . and been a highly respected ­ and listened to ­ speaker at bank and thrift meetings across the country.

Tom's company, TCA, Inc., is one of the best and fastest growing compliance consulting firms in the financial industry. In fact, TCA has more than a dozen endorsements from banking organizations.

Two specifics set Tom Thomas apart: His affinity for banking and his uncommon ability to blend federal compliance requirements with bottom line concerns. Tom's ability to keep banks from OVERcomplying, and a willingness to help TCA clients establish compliance risk management parameters make Tom a much-sought compliance advisor.

That's one reason he was chosen to be the sole author of the Bank Compliance Guide published by CCH, Inc. -- perhaps the most user-friendly compliance guide ever produced.

Tom's ability to spot changes in compliance trends and alert clients about what's coming has been invaluable to many members of TCA's Compliance Connection. Sometimes seemingly minor changes to old regulations can blindside even the best in-house staff ­ and lead to potentially serious compliance issues. TCA has saved many institutions significant amounts of money by uncovering compliance weaknesses before examiners arrive.

Tom and his Associates cover the full scope of federal financial compliance issues, including Regulation Z. . .the ever-present logging and reporting requirements of the Bank Secrecy Act. . .CRA, always an issue. . .ARM adjustments, a favorite of consumer attorneys. . .the correspondent bank requirements of Regulation F. . .Reg CC funds availability. . .check clearing and collection procedures. . .and Regulation X good faith estimates and other RESPA requirements.

Tom Thomas is a graduate of the University of Illinois. He holds an MBA in finance from Loyola University (Chicago).

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