RCM

Regulatory Compliance Manager

A Subscription-based Compliance Support Service Offering Priority Response, Expert Advice

Regulatory Compliance Manager, a subscription-based service, provides compliance support services and resources to help you face your compliance challenges head-on and manage your CMS effectively.

Ongoing support is key to an effective compliance management system.

TCA’s Regulatory Compliance Manager (RCM), a subscription-based service, provides such support, keeping you informed about regulatory changes and prepared to meet your compliance challenges head‐on.

TCA’s helpline gives you thoughtful advice quickly—within 24 hours—on all your compliance questions.

We also check in with you to see whether you need clarification on regulatory initiatives, help with implementing TCA-recommended changes, or have compliance issues you want to discuss.

TCA’s in-depth newsletters and webinars keep you and your team informed about new and evolving laws and regulations and precisely how they affect your bank.

You can rely on RCM for skilled, tailored compliance advice to give you confidence that your CMS is on track and that you’re making smart decisions.

Key Deliverables Include:

  • Priority response—within 24 hours—to compliance questions via phone or email
  • Equally quick turnaround for compliance rules interpretation and troubleshooting
  • Review of advertisements to ensure they comply with applicable rules and regulations
  • Access to TCA’s newsletters:
    • Compliance IQ electronic newsletter provides our analysis of the latest compliance information, including examination procedures, new compliance processes, and insight on simplifying your compliance management.
    • Special Release delivers breaking compliance news and updates.
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Interested in subscribing to RCM?

Please send an email to [email protected] or call 800-934-REGS for more information.

Compliance Insights

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HMDA News and Census Tract Updates

By , | February 3, 2023

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 …

HMDA News and Census Tract Updates Read More »

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CRA Asset-size Thresholds Announced for 2023

By | January 13, 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. …

CRA Asset-size Thresholds Announced for 2023 Read More »

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HMDA and HPML Thresholds Bumped Up for 2023

By | January 10, 2023

On December 28, 2022, the Consumer Financial Protection Bureau (CFPB) amended the Home Mortgage Disclosure Act (Regulation C) and the Truth in Lending Act (Regulation Z), adjusting the asset-size exemption thresholds for banks, savings associations, and credit unions. Like the CRA thresholds, the adjustments are pegged to the annual percentage increase in the Consumer Price …

HMDA and HPML Thresholds Bumped Up for 2023 Read More »

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New Threshold Amounts for 2023 under Regulation Z CARD Act, HOEPA and QM Sections

By | January 6, 2023

Based on the 8.9% increase in the Consumer Price Index (CPI-W) in effect on June 1, 2022, the Consumer Financial Protection Bureau (CFPB) released a number of new thresholds which go into effect on January 1, 2023. They include: Additionally, these changes affected the HOEPA threshold amounts found under 1026.32 based on the 8.3% increase …

New Threshold Amounts for 2023 under Regulation Z CARD Act, HOEPA and QM Sections Read More »

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Regulatory Updates – Third Quarter 2022

By | September 9, 2022

Below is a link to the Regulatory Updates as of the end of Q3. 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 …

Regulatory Updates – Third Quarter 2022 Read More »

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Do you Remember? HMDA – Reporting Open-End Lines of Credit

By | August 25, 2022

It’s time for a trip into the Way-Back Machine, all the way back to April 16, 2020, when the Consumer Financial Protection Bureau (CFPB) issued a final rule amending Regulation C. This amendment permanently raised the closed-end coverage threshold from 25 to 100 closed-end mortgage loans in each of the two preceding calendar years. The …

Do you Remember? HMDA – Reporting Open-End Lines of Credit Read More »

Do You Need Compliance Help?

We’re here to review your current compliance strategy and help you find A Better Way to manage risk.

Phone

800-934-REGS

Email for Non-Confidential Information Only

[email protected]

Office Location

2021 Midwest Road, Suite 200,
Oak Brook, IL 60523

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