A Subscription-based Compliance Support Service Offering Priority Response, Expert Advice
Get clear, actionable guidance on your toughest compliance questions with TCA’s Regulatory Hotline. Our on-demand service provides direct access to seasoned compliance experts, helping you navigate complex regulatory requirements with confidence.
Why Use a Compliance Hotline?
Banking regulations are complex and constantly evolving. Your team needs quick, reliable answers to keep operations compliant and avoid costly missteps. A compliance hotline empowers your staff to clarify requirements and handle issues proactively.
How TCA’s Regulatory Hotline Works
With TCA’s Regulatory Hotline, your compliance and operations teams can submit questions on regulations including:
- Lending compliance and Fair Lending
- Deposit regulations
- BSA/AML compliance
- CRA requirements
- Advertising and disclosures
Our experts provide timely, clear, and practical guidance to help your team stay on track.
Benefits of On-Demand Compliance Support
- Fast, reliable answers to pressing compliance questions
- Access to experienced banking compliance professionals
- Reduced compliance risk and operational delays
- Confidence in decision-making and exam readiness
Get Clear, Actionable Answers from TCA Experts
TCA’s Regulatory Hotline is designed for banks and credit unions seeking a practical, responsive solution to day-to-day compliance challenges. Whether you need clarification on a regulation, guidance on disclosures, or insight on exam preparation, our team is here to help you stay compliant while maintaining operational efficiency.
Interested in subscribing to our Regulatory Hotline?
Please send an email to [email protected] or call 800-934-REGS for more information.
Compliance Insights
New Threshold Amounts for 2023 under Regulation Z CARD Act, HOEPA and QM Sections
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 […]
Regulatory Updates – Third Quarter 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 […]
Do you Remember? HMDA – Reporting Open-End Lines of Credit
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 […]
Renewed Focus on Overdraft and “Junk” fees
One of the consequences of shrinking interest rates and interest margins is that financial institutions’ reliance on non-interest income has significantly increased over the last decade. The Consumer Financial Protection Bureau (CFPB) published an initiative on January 26, 2022 stating its intention to research the impact of fees on American consumers. The press release specifically […]
B Prepared for Compliance in Commercial Lending
It’s common for many lenders to believe that commercial lending is exempt from federal compliance regulations. However, this would be untrue – commercial loans are subject to the following compliance regulations: Regulation C/HMDA, Flood Disaster Protection Act, and Regulation B/ECOA. This article will focus on only one the regulations above – Regulation B. Under this […]
2022 Census Tracts Changes What it May Mean for Your Assessment Area
The 2020 Census data has been released by the US Census – and it may impact your Assessment Area for CRA and your Lending Area for Fair Lending. The Federal Financial Institutions Examination Council (FFIEC) which provides uniformity and consistency in the supervision of financial institutions, incorporates the US Census data in a format that […]
