Regulatory assessments involve detailed evaluations of compliance programs, data integrity, governance structures, and risk management practices. TCA helps institutions prepare for assessments with an approach designed to reduce uncertainty, surface issues in advance, and support examiner dialogue.
We work with compliance teams to evaluate regulatory risk holistically, helping you identify gaps, prioritize action plans, and build confidence in your compliance posture before examiners arrive.
Preparation & Documentation Review
Support may include:
- Reviewing CMS components and documentation
- Stress-testing risk indicators and findings
- Evaluating prior exam results and MRAs/MRIAs
- Aligning policies with current regulatory focus
- Verifying board and management reporting
- Ensuring documentation supports program maturity
During the Assessment
TCA can assist in:
- Responding to regulatory requests
- Providing narrative context and explanation
- Supporting subject matter experts
- Clarifying methodologies and risk interpretations
- Managing follow-up questions
Post-Assessment Support
After an assessment, TCA can assist with:
- Remediation planning
- Enhancing monitoring and testing
- Strengthening governance documentation
- Updating internal and board reporting
- CMS alignment
- Ongoing advisory support
Additional Fair Lending Topics
Executive Order on Disparate impact and What a Bank Should Know
On April 23, 2025, an Executive Order regarding Disparate Impact was issued. The Order states: “It is the policy of the United States to eliminate the use of disparate-impact liability in all contexts to the maximum degree possible.” In addition, it requires the assessment of pending investigations and litigation to extend to the Department of […]
What are MDI’s and the benefits of partnering with one?
Do you ever feel hesitant to engage with organizations in your community because you are unsure if the activity will qualify for CRA? You are not alone. Inconsistencies among the agencies as to what qualifies as CRA eligible activity can cause confusion and make discerning worthwhile partnerships from not-so-worthwhile partnerships that much more difficult. In […]
CRA In the Boardroom
As financial institutions face increasing pressure to demonstrate their commitment for economic stability in underserved areas and populations, the responsibility of the Board of Directors under the Community Reinvestment Act (CRA) has never been more critical in shaping strategies that serve both community and business interests. TCA – A Better Way!
TCA Compliance Welcomes Sara Kirkpatrick, Enhances its CRA Expertise
With the hiring of Sara Kirkpatrick,TCA Compliance is enhancing the consulting it provides to banks on CRA compliance topics. TCA Compliance is a full-service company that provides A Better Way for banks to manage their compliance obligations. Kirkpatrick brings firsthand knowledge of first-time homebuyers and CRA programs. She initially anticipated working at a non-profit or […]
Mitigate Risk: Understand Your Lending Patterns
Examiners are more carefully scrutinizing banks’ lending penetration in low- and moderate-income census tracts for CRA and in substantially minority census tracts for Fair Lending in banks’ designated assessment areas. Examiners also expect banks to demonstrate a thorough understanding of their lending patterns. For example, they analyze HMDA loan data and Small Business/Small Farm loan […]
Stay on the Right Side of Fair Lending: 2023’s Top 5 FAQs
Fair Lending remains a hot topic with regulators and special interest groups. During 2023, our clients experienced heightened scrutiny around identifying patterns of disparity that could result in discrimination allegations and enforcement actions. Review the five key issues clients have faced and consider evaluating them at your institution. TCA provides A Better Way to help […]
