Audit Services

Audit Menu


ACH Rules
Bank Secrecy Act
SAFE Act (Regulation G)
APR Validation for Consumer and Commercial Loans
UDAAP
Fair Lending Compliance
Privacy and Identity Theft Red Flag Guidelines Compliance
Website Compliance – includes ADA review
Home Mortgage Disclosure Act (Regulation C)
  ✓ Full Audit
  ✓ Limited LAR Review
Flood Disaster Protection Act
Equal Credit Opportunity Act (Regulation B)
Electronic Funds Transfer Act (Regulation E)
Fair Debt Collection Practices Act (Regulation F)
Fair Credit Reporting Act (Regulation V)
Expedited Funds Availability Act (Regulation CC)
Unlawful Internet Gambling Enforcement Act (Regulation GG)
Servicemembers’ Civil Relief Act
Military Lending Act
ESIGN Act
Advertising Reviews for Lending and Deposit Products
Vendor Management
Mortgage Servicing Review
  ✓ Real Estate Settlement Procedures Act
  ✓ Truth in Lending Act
  ✓ Flood Insurance Requirements
  ✓ Fair Debt Collection Practices Act
  ✓ Homeowners Protection Act
  ✓ Limited scope (policies and procedures)
    o Fair Credit Reporting Act
    o Servicemembers Civil Relief Act

Services for State-chartered Trust Companies
  ✓ Fiduciary Audit
  ✓ BSA/AML Compliance

Loan Compliance Review
  ✓ Truth-in-Lending Act (Regulation Z), including TILA-RESPA Integrated Disclosure (TRID) requirements
    o Consumer-purpose Installment Loans
    o Construction Loans
    o Private Mortgage Insurance
    o Adjustable-Rate Mortgages
    o Credit Cards
    o Home Equity Lines of Credit
    o Other Lines of Credit
  ✓ Equal Credit Opportunity Act (Regulation B)
  ✓ Fair Credit Reporting Act
  ✓ Fair Housing Act
  ✓ Flood Disaster Protection Act
  ✓ Home Mortgage Disclosure Act (HMDA)
  ✓ Homeowners Protection Act (HOPA)
  ✓ Home Ownership and Equity Protection Act (HOEPA)
  ✓ Housing & Urban Development Act (Home Ownership Counseling Notice)
  ✓ Private Mortgage Insurance Act
  ✓ Real Estate Settlement Procedures Act
  ✓ Limited scope (review of policies and procedures)
    o SAFE Act
    o Servicemembers Civil Relief Act
    o Military Lending Act
    o FACT Act
Deposit Compliance Review
  ✓ Electronic Fund Transfers Act
  ✓ Expedited Funds Availability Act
  ✓ Fair Credit Reporting Act
  ✓ Reserve Requirements of Depository Institutions
  ✓ Truth-in-Savings Act
  ✓ Unlawful Internet Gambling Enforcement Act
If you don’t see what you are looking for, contact us. We will work with you to customize a review scope to fit your needs.