The Compliance 911 Show

Overdraft programs and Junk fees, what you need to know featuring Dean Stockford and Len Suzio.   Brought to you by  GeoDataVision  and  M&M Consulting

Congresswoman Maxine Waters has submitted legislation that would amend the original Community Reinvestment Act in radical ways. Learn about her proposal for mandatory "Community Advisory Committees" and their role with bank management as well as other radical aspects of the proposed legislation in this broadcast.   Brought to you by  GeoDataVision  and  M&M Consulting

This podcast focuses on Compliance Management Systems. With everything coming at us from CRA, Fair Lending and UDAAP, it is imperative that financial institutions revisit CMS to ensure effective management.   Brought to you by  GeoDataVision  and  M&M Consulting

In this podcast, CRA expert Len Suzio explains how the CRA is being applied in the field with respect to Assessment Areas. The trend is for regulators to insist on expanded Assessment Areas which can dramatically increase the potential for failing a CRA exam due to inflated and unrealistic performance standards associated with Assessment Areas that a bank's branch network is not structured to serv...

Fair Lending remains a hot area of interest for regulator’s. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast covers the implementation of the new 2020 Census tracts effective January 1, 2022. It covers the impact of the new tracts for CRA in terms of the Community Reinvestment Act and Fair Lending. The new tracts are effective retroactive to the beginning of 2022.   Brought to you by  GeoDataVision  and  M&M Consulting

This podcast will discuss the CFPB’s new application of Unfairness under UDAAP. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast will highlight ongoing flood issues as violations continue to surge. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast addresses the most significant aspects of the 2022 CRA NPR, including the projected 500% increase in CRA Exam failure rates detailed in the NPR. In the podcast noted CRA expert Len Suzio discusses the "Double Jeopardy" for Intermediate banks and the "Double Whammy" for Large banks including the most radical changes in Assessment Area delineation and the "Calibrated" performance rating...

Many bankers are casual about understanding the different bank size categories in the application of the CRA regulations. But transitioning from one size category to another has profound implications that banks need to understand and prepare for. In this podcast CRA expert Len Suzio goes beyond explaining the different size categories. He explains what happens and when it happens as a bank moves f...

This podcast will give you a peak inside the current regulatory arena. Brought to you by  GeoDataVision  and  M&M Consulting

A new insight into PPP loans reveals that it may be easier to substantiate them as qualified community development loans. One of the 4 different definitions of community development under CRA is the "economic development" definition. To be qualified for economic development a PPP loan had to meet the "size" test and the "purpose" test. However, banks were not required to collect the gross annual r...

This podcast discusses recent enforcement issues with Overdraft programs and UDAAP implications.   Brought to you by  GeoDataVision  and  M&M Consulting

For many years bankers have wondered if there is a safe harbor under the various CRA tests but regulators would never comment on or disclose anything in response to questions about this matter. However, the 2020 NPR issued by the FDIC and the OCC and the 2020 ANPR proposed a concept the regulators called "comparators" that established a bright line for minimum performance that would rate as "satis...

This podcast will give you a peek inside the emerging hot topic with regulators for 2022, climate risk.  Brought to you by  GeoDataVision  and  M&M Consulting

PPP loans may be a thing of the past but they can still have a very big impact on your CRA performance in your next CRA exam. This podcast will cover the big impact PPP loans could have on your CRA performance rating and what you can still do to maximize that impact.   Brought to you by  GeoDataVision  and  M&M Consulting

This podcast will address minimum due diligence and banking marijuana related businesses and customers. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast covers CRA practices that nationally recognized CRA expert Len Suzio recommends for every CRA officer and bank to implement. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast will cover high risk cyber risk areas headed into the holiday season and give you a snapshot of what hot risk topics we will see in 2022. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast will highlight the challenges and regulatory expectations with UDAAP. Brought to you by  GeoDataVision  and  M&M Consulting

Learn about why small banks and especially Intermediate-Small Banks should voluntarily report their CRA activity. Brought to you by  GeoDataVision  and  M&M Consulting  

The old saying, "The devil is in the details" really applies to CRA. Listen to CRA expert Len Suzio discuss some of the common mistakes and areas of confusion regarding the Community Reinvestment Act. Don't make the mistakes made by many bankers. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast will discuss integrating climate risk into your Enterprise Risk Management framework. Brought to you by  GeoDataVision  and  M&M Consulting

This podcast will cover the Fair Lending exam process and prep. Brought to you by  GeoDataVision  and  M&M Consulting

The OCC is retracting its 2020 CRA Rule and it is expected the Agency will join the FDIC and the Fed when they issue a new joint notice of proposed rule-making for CRA during 2021. So what might the "new modern" CRA look like? There's plenty of insight to be gained by looking at the soon to be retracted OCC Rule and the CRA ANPR published by the Fed late in 2020. The CRA rules regarding CRA Assess...