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Regulatory Compliance

Financial institution regulations governing consumer financial services have intensified in recent years. Some of the laws and regulations that affect lending, loan brokering, deposit accounts, negotiable instruments, and other consumer financial services include:

  • Real Estate Settlement Procedures Act (RESPA)
  • Truth in Lending Act and Regulation Z
  • SAFE Act
  • Truth in Savings Act
  • Equal Credit Opportunity Act and Regulation B
  • Fair Credit Reporting Act (FCRA)
  • Regulation E
  • Regulation CC
  • Dodd-Frank Act
  • Bank Secrecy Act
  • Office of Foreign Assets Control (OFAC) regulations

SW&M’s experience with mortgage lending, consumer lending, payday loans, credit cards, overdraft and courtesy pay, deposit accounts, EFTs, ACH, remittances, and credit union business lending can help financial institutions craft disclosures, procedures, forms, policies, and product design. This in-depth knowledge can help financial institutions successfully navigate their various compliance requirements while also maintaining effective operations.