The Compliance 911 Show

The Compliance 911 Show

Welcome to Compliance 911, a no-nonsense, cut to the point, style show for today’s busy bank and credit union compliance professionals. With this series of bi-weekly shows our goal is to boil down some of today’s hottest regulatory compliance topics in quick and easy to digest 5-10 minute episodes so you can get the information you want and get on with your day. We’ll be discussing topics like CRA, HMDA, Fair Lending, Anti Money Laundering, and so much more. Don’t forget to subscribe and tell a friend about us! Follow M&M Consulting and GeoDataVision us on LinkedIn to get the latest updates.

Episodes

October 5, 2022 17 min

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 serve. Don't miss this importan...

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Fair Lending remains a hot area of interest for regulator’s.

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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.

 

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This podcast will discuss the CFPB’s new application of Unfairness under UDAAP.

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This podcast will highlight ongoing flood issues as violations continue to surge.

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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 scale. Mr....
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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 from one size category to another.

B...

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This podcast will give you a peak inside the current regulatory arena.

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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 revenues of ...

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This podcast discusses recent enforcement issues with Overdraft programs and UDAAP implications.

 

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March 30, 2022 8 min

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 "satisfactory" performanc...

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March 16, 2022 11 min

This podcast will give you a peek inside the emerging hot topic with regulators for 2022, climate risk. 

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March 2, 2022 13 min

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.

 

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February 26, 2022 21 min

This podcast will address minimum due diligence and banking marijuana related businesses and customers.

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February 22, 2022 12 min

This podcast covers CRA practices that nationally recognized CRA expert Len Suzio recommends for every CRA officer and bank to implement.

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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.

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January 19, 2022 13 min

This podcast will highlight the challenges and regulatory expectations with UDAAP.

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Learn about why small banks and especially Intermediate-Small Banks should voluntarily report their CRA activity.

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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.

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This podcast will discuss integrating climate risk into your Enterprise Risk Management framework.

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