Service Portfolio

Regulatory Compliance Menu

CU Anchor provides a comprehensive suite of advisory and oversight services designed to navigate the high-stakes regulatory landscape of the credit union industry.

Governance & Program Oversight

Compliance Management System (CMS) Assessment - Evaluate CMS structure, documentation, and effectiveness
Policy & Procedure Review - Assess and update compliance-related policies

Lending Compliance

HMDA Data Integrity Review - Validate data accuracy and reporting processes
Adverse Action Notice Review - Assess completeness and regulatory accuracy
Loan File Testing - Test consumer, mortgage, HELOC, and auto loan files
Servicing Compliance Review - Evaluate servicing practices and notices
Escrow & PMI Review - Assess escrow administration and PMI cancellation
Flood Insurance Review - Evaluate flood determinations, notices, and tracking
SCRA and MLA Review - Access compliance with Servicemembers Civil Relief Act and Military Lending Act Requirements.
SAFE Act (Reg G) Review - Access overall compliance with Regulation G.

Privacy & Information Security

GLBA Privacy Notice Review - Evaluate content and delivery of privacy notices
Safeguards Rule Review - Assess information security program compliance
Vendor Management Review - Evaluate due diligence, monitoring, and contracts
Incident Response Plan Review - Assess readiness and documentation
Data Retention & Destruction Review - Evaluate retention schedules and destruction practices

Optional Packages

Consumer Compliance Essentials - Reg E, Reg CC, TILA/TISA, UDAAP
Lending Compliance Essentials - ECOA, Fair Lending, SAFE Act
Full CMS Oversight Package - Risk assessment, monitoring plan, reporting, Quality Assurance

Consumer Regulatory Compliance

TILA Review - Review disclosures, timing, and accuracy
RESPA Review - Evaluate mortgage servicing and disclosure compliance
TISA Review - Review account disclosures and accuracy
Reg E Review - Assess EFT error resolution and disclosures
FCRA Review - Evaluate credit reporting and dispute handling
Fair Lending (ECOA/Reg B) Review - Assess underwriting, pricing, and adverse action processes
UDAAP Review - Identify unfair, deceptive, or abusive practices
Advertising & Marketing Review - Review ads, promotions, and digital content

Deposit & Operations Compliance

New Account Disclosures Review - Assess accuracy and completeness of disclosures
Funds Availability (Reg CC) Review - Evaluate holds, disclosures, and timing
Overdraft Program Review - Assess OD practices, disclosures, and opt-in processes.
Fee Schedule Review - Validate fee accuracy and alignment with disclosures
Wire & ACH Compliance Review - Evaluate payment operations and documentation
Error Resolution Review - Assess processes for deposit and EFT error handling

Training & Staff Support

Annual Compliance Training - Develop and deliver annual training
Targeted Staff Training - Lending, operations, or frontline training
Board Training - Provide annual or ad‑hoc board training
Compliance Coaching - Support for new or developing compliance staff

Designed for Regulatory Vigilance

The regulatory landscape for credit unions is never static. Our specialized consulting culture is designed to track industry shifts, translating complex regulatory changes into strategic institutional stability. We work with you to help ensure your your compliance framework is not just current, but predictive.

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