Specialties
Data Validation
Regulatory Assessment Assistance
Audit Co-Source
Periodic Compliance Quality Control
System Conversion Validation
Compliance Guidance When and How You Need It
Supporting you with in-depth skills and experience when you need an extra dose of expertise or need help with a last-minute crisis.
Miscellaneous projects and last-minute crises arise at every bank, and sometimes you need a couple of extra hands.
We're here to help you satisfy the requirement for examination reports, whether you feel confident that your program is on target and want assurances that your strategy is on track, or you worry that some aspects of your program are lacking.
Whether your team is focused on higher priorities or you need a dash of additional expertise, TCA brings you à la carte services in several categories.
Even better, we serve them up with the systematic approach that you expect from TCA.
They include:
Risk Assessment Assistance
Physical growth and expanded services are a terrific way to serve your customers and communities and build your bank.
But adding new branches and rolling out new products and services carry a risk that you need to identify first.
We consider both the big picture and the tiny moving parts of your plan to pinpoint potential trouble spots so you can address them before you cut the ribbon on your new building or launch new suites of products.
We can conduct the entire risk assessment on your behalf or field questions and act as an advisor.
Since our team has guided numerous banks—both large and small and in multiple markets and product categories—in their growth, we bring an informed, fresh perspective.
Audit Co-Source
Staffing shortages? Competing priorities?
TCA can help fulfill any of your audit commitments in all areas of consumer compliance whenever you're struggling to meet your audit deadlines.
Define your needs and preferences. Then, we’ll get the work done.
Periodic Compliance Quality Control
When you're selling to investors, you already know about the requirements for quality control.
But have you also considered a robust consumer compliance review?
You can expect us to scrutinize your files – running them through the alphabet regs, searching for red flags, and identifying potential deficiencies.
We’ll check off all the boxes for you, tell you about potential trouble spots, and explain how to protect your bank.
System Conversion Validation
It's always smart to validate the system whenever you roll out a new core or loan origination system so that documents, disclosures, notifications, and statements meet regulatory requirements.
We can step in to review system output and verify that the hundreds of responses to questions about products and services are correct and that the appropriate codes were selected.
TCA’s A Better Way ensures that you have the right resources and system capabilities in place that will support your growth and success.
Key deliverables include:
- Helping you to develop compliance plans that allow you to satisfy requirements for examination reports.
- Providing full-service or à la carte assistance when and how you need it.
- Bringing you best practices and extra know-how when you’re short on time or staff.
- Delivering peace of mind that your strategies, processes, and procedures are appropriate to your bank's risk.
Compliance Consulting Insights
Regulatory Updates – First Quarter 2023
Below is a link to the Regulatory Updates as of the end of Q1. TCA provides A Better Way for you to track Compliance updates and keep your organization on track. You can download the updates in a PDF form here.As always, TCA is here to help with A Better Way to answer all your […]
FDIC Insurance – Communication is Key
Because of the recent Bank failures, your customers may feel skittish today. Although the news pundits all are saying deposit accounts are insured up to $250,000, we know this may not be the case. Consider having Management craft a statement message or online banking alert assuring customers their funds are insured. You should also ensure […]
FDIC Name Change – Updated
On August 8, 2022 in the Federal Register (and a correction on August 12) the FDIC reported they had renamed the Consumer Response Center to the “National Center for Consumer and Depositor Assistance”. This Division is referenced in the Fair Housing regulation at 12 CFR 338 and in the Consumer Protection in Sales of Insurance […]
Regulatory Updates – Fourth Quarter 2022
Below is a link to the Regulatory Updates as of the end of Q4. TCA provides A Better Way for you to track Compliance updates and keep your organization on track. You can download the updates in a PDF form here. As always, TCA is here to help with A Better Way to answer all […]
HMDA News and Census Tract Updates
Breaking News!! This week the OCC, FRB and FDIC announced their stance on HMDA reporting for institutions thrown back into HMDA reporting due to the recent Court decision to roll back the closed-end mortgage reporting threshold from 100 back to 25. All three regulators are taking the same stance as the CFPB and have stated […]
CRA Asset-size Thresholds Announced for 2023
The annual CRA asset-size thresholds for covered financial institutions were announced December 19, 2022 by the FDIC and FRB and on December 28 by the OCC applicable for 2023. The cutoff adjustments are based on the change in the CPI (Consumer Price Index) for each 12-month period ending in November, rounded to the nearest million. […]
