Resources
Following are resources relevant to episodes of Risk Watch.
Risk Watch 147: What Financial Institutions Can Learn from Rabobank’s AML Mistakes
Risk Watch 146: Everything You Need to Know About the 5th Pillar in 5 Minutes or Less
Risk Watch 145: NCUA’s 2018 Supervisory Priorities
Risk Watch 144: HMDA Compliance Under New CFPB Leadership
Risk Watch 143: Top 5 Episodes of 2017
- RW 122: Key Takeaways from FinCEN’s 2016 SAR Report
- RW 123: Record Retention Management
- RW 139: HMDA 2018 Readiness Checklist
- RW 128: What Happens to Your SARs?
- RW 121: Changes to the Consumer Compliance Rating System
Risk Watch 142: Digging into ADA Website Accessibility
Risk Watch 141: Longer-Term Auto Loans on the CFPB’s Radar
Risk Watch 140: What Mid America Bank Did Wrong
Risk Watch 139: HMDA 2018 Readiness Checklist
Risk Watch 138: Making Your Website ADA Accessible
Risk Watch 137: Debt Collection Supervisory Highlights
Risk Watch 136: BSA/AML System Survivor
Risk Watch 135: State of Complaints
Risk Watch 134: CFPB’s Final TRID Amendments
Risk Watch 133—New York’s 504: BSA/AML Requirements That Could Concern You
Risk Watch 132: The 5 Parts of a Strong Fair Lending Policy
Risk Watch 131: What Older Consumers Complain About
Risk Watch 130: CFPB’s 2016 Fair Lending Report
Risk Watch 129: Beneficial Ownership and the Dark Side of the Moon
Risk Watch 128: What Happens to Your SARs?
- FinCEN Awards
- Contact Rachel Osborn
- AffirmX.com
Risk Watch 127: Remittance Transfers 101
Risk Watch 126: CRA Examination Toolbox
Risk Watch 125: What Merchants Bank Did Wrong
Risk Watch 124: Proposed ECOA Amendments
Risk Watch 123: Record Retention Management
Risk Watch 122: Key Takeaways from FinCEN’s 2016 SAR Stats
Risk Watch 121: Changes to the Consumer Compliance Rating System
Risk Watch 120: Consumer Complaints (Part II)
Risk Watch 119: Consumer Complaints (Part I)
Risk Watch 118—Front-to-Back AML Validation: You Don’t Know What You’re Missing
Risk Watch 117: NCUA Exam Prep Guide
Risk Watch 116: Changes to HMDA 2017
Risk Watch 115: Headache Management Tips for a Changing Regulatory Environment
Risk Watch 114—Fair Lending Model Validation: Strengthening Your Fair Lending System
Risk Watch 113—Comparative File Review: Your Fair Lending Microscope
Risk Watch 112: A Fair Lending Regression Analysis Explained for the Rest of Us
Risk Watch 111: The Fundamentals of Cybersecurity
Risk Watch 110: The Third Dimension of an AML Risk Assessment
Risk Watch 109: 6 Core Areas of a Solid Fair Lending Risk Assessment
Risk Watch 108: The How and Why of Social Media
Risk Watch 107: SCRA and the New MLA Rule
Risk Watch 106: Lessons From the Wells Fargo Fiasco
Risk Watch 105: New Mortgage Service Rules in 5 Minutes or Less
Risk Watch 104: Financial Education For Immigrants
Risk Watch 103: Fair Lending – Where BancorpSouth Went Wrong
Risk Watch 102: The CFPB and Debt Collection—Pay Up, But Pay Right
Risk Watch 101: TCPA Risk Assessments—You Can’t Just Phone It In
Risk Watch 100: Three Things FinCEN Wants You to Understand About their CDD Requirements
- Definitions to Help You Understand FinCEN’s New Rule
- Full Text of FinCEN’s Rule, Full Text of FinCEN’s FAQ
- hailey.jensen@advisx.com
- AdvisX.com
Risk Watch 99 | Deposit Discrepancies: Short-Term Benefits, Long-Term Consequences
Risk Watch 98: Changes to the CC Rating System, For Better or For Worse
Risk Watch 97: Three Things to Know Before Running Your First AML Look-Back Project Marathon
Risk Watch 96: Four Things You Should Know About the CFPB’s Payday Lending Rule
- CFPB’s Payday Lending Rule Full Text
- CFPB Issues Proposed Payday/Auto Title/High-Rate Installment Loan Rule
- AdvisX
- Email Zac Stucki
Risk Watch 95: The 4 ADA Hurdles Your Institution Might Still Need to Clear 
- WCAG 2.0 Full Text
- Most Website Are Not Compliant: Is Yours One of Them?
- AffirmX
- Email Mike Stottlemyer
Risk Watch 94: Member Business Loans: Commercial Lending Rule
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Risk Watch 93: Prepaid Cards a New Wrinkle in CIP Requirements
- Interagency Guidance to Issuing Banks on Applying Customer Identification Program Requirements to Holders of Prepaid Cards
- Federal Reserve Press Release on Guidance
- AdivsX
- Email Ken Agle
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Risk Watch 92: Grab a Wrench: Flood Insurance Fixes That May Be Heading Our Way
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Risk Watch 91: Hot Topics in Fair Lending
- Fair Lending Report of the Consumer Financial Protection Bureau
- Federal Register Summary
- Federal Register PDF
- Email Hailey Jensen
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Risk Watch 90: What’s Bugging Consumers About Mortgages
- CFPB Press Release
- CFPB April Monthly Complaint Report
- CFPB Mortgage Servicing Examination Procedures
- Email Rachel Osborn, AffirmX Analyst
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Risk Watch 89: Focusing on Fair Debt Collection
- Fair Debt Collection Practices Act Annual Report 2016
- Fair Debt Collection Practices Act
- Email Sydney Caskey, AffirmX Analyst
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Risk Watch 88: Stuck in the Middle of ECOA
- Hawkins v Community Bank of Raymore
- Equal Credit Opportunity Act
- Are guarantors applicants?
- Email Ken Agle, AdvisX President
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Risk Watch 87: The Reg. Z Rural and Underserved Rule
- HELP Act
- Operations in Rural Areas Under the Truth in Lending Act (Regulation Z); Interim Final Rule
- Email Mike Stottlemyer, AffirmX Director of Operations
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Risk Watch 86: Vendor Management Solutions
- No Action Letter Policy
- CFPB Statement on Policy
- CFPB 2013 Trial Disclosure Waiver Policy
- Email Jane Pannier, AffirmX VP and Regulatory Counsel
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Risk Watch 85: Vendor Management Solutions
- AffirmX Vendor Management Solution
- FFIEC Statement on Vendor Management
- AffirmX Platform Information
- Email Rachel Osborn, AffirmX Analyst
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Risk Watch 84: Effective Complaint Management
- CFPB Consumer Complaint Database
- NCUA Letter to Credit Unions 15-CU-04
- Responding to Consumer Complaints
- Mountain West Credit Union Association
- Email Julie Kappenman, AffirmX Senior Analyst
Risk Watch 83: The FFIEC Cybersecurity Assessment Tool Assistant
- AffirmX Cybersecurity Assessment Tool
- FFIEC Cybersecurity Assessment Tool
- FFIEC Cybersecurity Tool PDF
- AffirmX Platform Information
- Email Mike Stottlemyer, AffirmX Senior Analyst
Risk Watch 82: Limited English Proficiency, Unlimited Compliance Risk
- Final UDAAP Bulletin
- CFPB Fair Lending Report
- CFPB Spanish-English Financial Terms
- Email Quinton Harrison, AffirmX Analyst
Risk Watch 81: What are the Drivers of Regulatory Heat
- CFSI and Core Innovation Capital Study
- Study Review Concerning Overdraft Fees
- Consumer Spending & Financial Health Infographic
- Email Chris McCullock, AdvisX Regulatory Counsel
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Risk Watch 80: The Revised FDIC Compliance Manual 
- FDIC Compliance Examination Manual
- Bank of Anytown Template
- FDIC Letter: Revised Compliance Examination Manual
- Email Sydney Caskey, AffirmX Analyst
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Risk Watch 79: Five Warning Signs of Increased Fair Lending Risk
- CFPB’s Fall 2015 Semi-annual Report
- CFPB’s Fair Lending News
- CPBS’s 2015 Fair Lending Report
- FFIEC Statement
- Email Chris McCullock, AdvisX Regulatory Counsel
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Risk Watch 78: Preparing for the Coming Wave of Cyber Extortion
- FFIEC Statement on Cyber Attacks Involving Extortion Press Release
- FFIEC Statement
- FFIEC Cybersecurity Awareness Report
- Email Dennis Agle, AffirmX CIO
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Risk Watch 77: Kickstart My Money Laundering Scheme? Crowdfunding and SARs
- FinCEN
- FinCEN SAR Stats October 2015
- Interactive SAR Stats Tool
- Suspicious Crowdfunding Activity on the Rise
- Email Ken Agle, AdvisX President
- Kickstarter.com
- Indiegogo.com
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Risk Watch 76: Why the “New” HMDA is a Big Deal
- CFPB Final Rule Home Mortgage Disclosure Regulation C
- CFPB HMDA Page
- HMDA Key Dates Timeline
- HMDA Summary of Reportable Data
- HMDA Institutional Coverage – Who Must Report
- Email Barrett Jones, AdvisX Head of Data Analytics
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Risk Watch 75: Making SARs Work for You 
- FinCEN 2015 SAR Stat Report
- Archived SAR Stats
- FinCEN Interactive SAR Stats
- Email Ken Agle, AdvisX President
- AdvisX Compliance Services
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Risk Watch 74: RESPA Compliance and Marketing Service Agreements
- CFPB’s Compliance Bulletin on Marketing Service Agreements
- CFPB Article on New Compliance Bulletin
- AffirmX’s Compliance Services
- Email Mike Stottlemyer, AffirmX Senior Analyst
Risk Watch 73: Risk-Based Capital – What You Really Need to Know
Risk Watch 72: Why Aren’t Credit Unions Filing CTRs or SARs?
Risk Watch 71: Director and Fiduciary Continuing Education: How Much is Enough?
- Dollar Associates
- AffirmX Risk Intel Platform Video
- NCUA Duties of a Federal Credit Union Board of Directors
Risk Watch 70: Don’t Overlook the Low-Income Designation
- CFPB July Complaint Snapshot
- CFPB Consumer Complaint Database
- NCUA Consumer Assistance Center Press Release
- NCUA Consumer Assistance Center
- Advisx.com
Contact Ken Agle
- ken.agle@advisx.com
- 888.980.1949, ext. 7006
- FREE Complaint Management Program. Sign up for a free trial of My Risk InboX and request the tool.
Risk Watch 69: Don’t Overlook the Low-Income Designation
- NCUA Low-Income Designation Fact Sheet
- NCUA Office of Small Credit Union Initiatives
- William Myers – Director of the Office of Small Credit Union Initiatives
- Dollar Associates
- AffirmX Risk Intel Platform Video
Risk Watch 68: The NCUA’s New Fixed-Asset Limitation Rule
- Federal Credit Union Ownership of Fixed Assets (NCUA Rule)
- Dollar Associates
- AffirmX Risk Intel Platform Video