Consulting & Review

Overview

Our comprehensive Compliance Services are designed to strengthen and maximize the efficiency of your Compliance Program. You may select from a menu of services including, but not limited to, compliance review services, consulting, risk management and customized policies and procedures. Select one service or combine a variety of services. Each engagement is specifically tailored to your individual needs and preferences.

Compliance Consulting & Review Services

Maximize the efficiency and effectiveness of your Compliance Function by engaging our Compliance Review Services. We perform up to eighteen (18) separate compliance reviews throughout the year that will be scheduled with you in cooperation with Sterling partners based on an initial or ongoing compliance risk assessment to ensure that areas of higher risk are prioritized and appropriately covered. Review topics selected will align with the Board’s overall audit plan.

Available review topics include the following, though this list will expand as needed to meet your specific needs, as regulations change or as new supervisory guidance emerges.

Lending Topics

  • Consumer Loan Requirements
  • ECOA Valuations Rule
  • Home Equity Loan and Line Requirements
  • Loan Servicing Requirements
  • Qualified Mortgage and Ability-to-Repay Requirements
  • Real Estate Settlement Procedures Act
  • TILA-RESPA Integrated Mortgage Disclosures
  • Truth-in-Lending Act
Depository Topics

  • Electronic Funds Transfer Act
  • Excessive Transaction Administration
  • Expedited Funds Availability Act
  • Overdraft Program Requirements
  • Prepaid Access
  • Remote Deposit Capture
  • Truth-in-Savings Act
  • Unlawful Internet Gambling Enforcement Act
Other Topics

  • Bank Secrecy Act and Anti-Money Laundering
  • Community Reinvestment Act
  • Mobile Banking
  • Privacy of Consumer Financial Information
  • Red Flags | Identity Theft Prevention
  • Unfair, Deceptive or Abusive Acts or Practices
  • Vendor Management
  • Website Compliance
  • Compliance Services

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