Regulatory compliance

The practice this firm was founded on.

We opened in 2008 as a mortgage compliance and fair lending consultancy. Everything else we do came later. If your examiner is arriving, your LAR is shaky, or your pricing has never been tested, this is the original work.

Request a confidential conversation See quality control

Policy · Fair lending · Exam readiness · Independent testing

What we do

A compliance management system, not a binder.

Policies, testing and audit are the three parts regulators expect to see working together. Most findings come from the seams between them.

Fair lending & pricing

Matched pair analysis on underwriting decisions, adverse action review, and pricing regression tested against key demographics. Run annually, this is what surfaces disparate treatment or disparate impact before a regulator or a plaintiff does.

Matched pairAdverse actionPricing regressionLO comp

Policy & internal audit

Policy and procedure development, then internal audits that test whether your procedures actually meet your own policy. We also test the testers: independent QC review checks that your QC department is producing accurate findings and real trend analysis.

Policy developmentInternal auditIndependent QC testing

Data & filings

HMDA LAR audits before you submit, not after a correction notice. Inaccurate data means refiling at your expense and, in some cases, civil money penalties. MERS annual audits handled alongside.

HMDA LARMERSPre-submission

Exam readiness

Mock FRB, FDIC and CFPB audits that stress test your lending policies before the real thing. Plus AML and BSA validation on the two-year cycle, CRA program review with peer comparison, and warehouse due diligence for line fraud risk.

Mock examsAML / BSACRAWarehouse
How we work

Compliant and profitable are not opposites.

A control that nobody can operate is not a control. Recommendations have to survive contact with a working origination shop.

01

Find out where you actually stand

Before recommending anything we establish what your policies say, what your staff do, and where those two have drifted apart. That gap is where findings live.

02

Test it the way an examiner would

Same analysis, same statistical methods, same questions- run by people who have sat on both sides of an exam. Better to hear it from us first.

03

Fix what the findings show

Policies rewritten, procedures reworked, staff trained on the specific failure. A report that identifies a problem without closing it has moved the risk onto paper, not off your balance sheet.

04

Keep it running

Fair lending and pricing analysis annually, AML and BSA every two years, MERS yearly, HMDA every filing. We track the calendar so a required review never becomes a missed one.

Why it matters

Regulators are not bluffing on data quality.

2008compliance and fair lending practice since
12distinct compliance services
100%U.S.-based delivery teams

Recent enforcement has turned on HMDA data accuracy specifically: repeated submission errors at one lender, falsified data at another. Data quality is no longer a clerical matter, and an independent review before filing costs considerably less than a correction after one.

Start with a confidential conversation.

Tell us what is coming (an exam, a filing, an acquisition, or a worry you cannot place) and we will tell you what we would look at first.

Reach out See contract underwriting