BCG's Services

BCG's Mission

BCG's mission is to be
the preferred
compliance partner for
Tennessee community
banks by providing
high-quality compliance
support while
respecting our clients'
commitment to serve
their customers.

BCG offers a full array of services to help you ensure compliance
with the regulations affecting your bank.  Listed below are just
examples.  For a complete list of our services, please contact us.

Policy and Procedure Reviews (along with revision assistance):

• All Loan-related Regulations
  

• All Deposit-related Regulations
  

• Advertising
  

Transactional Tests for Compliance with Regulation (random
samples):

• Home Mortgage Disclosure Act (HMDA) Data Integrity
  (Regulation C)
  

• Community Reinvestment Act (CRA) Data Integrity
  (Regulation BB)
  

• Equal Credit Opportunity Act (ECOA) / Adverse Action
  (Regulation B)
  

• FACT Act (Regulation V)
  

• Truth In Lending (Regulation Z)
  

• HUD rules and regulations, such as RESPA and Good Faith
  (Regulation X)
  

• Home Equity Lines of Credit and Home Equity Loan Files
  

• Historical Disclosures (HELOC and ARM)
  

• Consumer Insurance Sales (Regulation H)
  

• Bank Secrecy Act (BSA) including Anti Money Laundering
  (AML) and Office of Foreign Asset Control (OFAC)
  

• USA PATRIOT Act, including Customer Identification Program
  (CIP)
  

• Service Member Civil Relief Act (SCRA)
  

• Expedited Funds Availability Act (Regulation CC)
  

• Electronic Funds Transfers Act (Regulation E)
  

• Payment of Interest on Demand Deposits (Regulation Q)
  

• Truth In Savings Act (Regulation DD)
  

• Excessive Withdrawals as it relates to Reserve Requirements  
  (Regulation D)
  

• Federal Deposit Insurance Coverage (FDIC) Regulations
  

Audits:

• Privacy (Regulation P / Gramm Leach Bliley Act)
  

• Flood Insurance
  

• Loans to Insiders and Insider Transactions (Regulation O)
  

• Website (Bank and Holding Company)
  

• Right to Financial Privacy
  

• CRA Public File
  

Ongoing Services:

• Assistance with filing of HMDA/CRA LARs with the FFIEC and
  primary regulatory agency
  

• Written Board Reports of Compliance Audit Findings, with
  Recommendations for Corrective Action
  

• Quarterly Compliance Report to Senior Management and
  appropriate Board Committee(s)
  

• Up-to-date Notice of Regulatory Changes to any Compliance-
  related Regulations.
  

• Ongoing Telephone Support for Bank Personnel
  

Additional Services (for an additional fee):

• Compliance Training Sessions (BSA, Fair Lending, Privacy, etc)
  

• Fair Lending Examinations (Two Months of Intensive Fair Lending
  Testing)
  

• CRA Performance Context
  

• Regulatory Examination Assistance
  

Please contact BCG:

(615) 500-5257
connie@banccompliancegroup.com

Banc Compliance Group