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Core Principles: Consumer Complaints, an early warning detection system
Customer complaints – Two simple yet powerful words which should be drivers for action in every Financial Institution. TCA – A Better Way!
OCC Consolidates Offices Changing CRA Addresses and Confirming ECOA and Fair Housing Poster Addresses
If your regulator is the FDIC, FRB or NCUA, you can stop reading here unless you wish to broaden your knowledge. TCA – A Better Way!
Regulatory Updates – First Quarter 2025
Below is a link to the Regulatory Updates as of the end of Q1 2025. TCA provides A Better Way for you to track Compliance updates and keep your organization on track. TCA – A Better Way!
Intent to Rescind Community Reinvestment Act (CRA)
On March 28, 2025, the FDIC, Federal Reserve Board and the OCC issued a joint press release to announce their intent to issue a proposal to rescind the Community Reinvestment Act (CRA) final rule issued in October 2023 and reinstate the CRA Framework that existed prior to the October 2023 final rule. The goal of […]
April 1st is Fast Approaching: Did You Update Your CRA Public File?
April brings many special events – baseball’s home opener, spring showers to bring May flowers, and let’s not forget the CRA Public File update. TCA – A Better Way!
NFIP Reauthorized through September 30, 2025
We received an email asking if the National Flood Insurance Program (NFIP) had been reauthorized. The NFIP is not authorized perpetually and can only be “reupped” by Congress. TCA – A Better Way!
Have you updated your Illinois Community Reinvestment Act Lobby and Website Notice?
If you are a federally chartered institution or a state-chartered institution in any state OTHER than Illinois, you can stop reading here unless you are interested. Like some other states, Illinois passed their own Community Reinvestment Act statute in March of 2021 which can be found at 205 ILCS 735. Part of that law requires […]
Updates to Updates to the FDIC Official Signage Rule and Q&A
The FDIC delayed the implementation date for the updates to 12 CFR 328.4 (Signs for automated teller machines and like devices) and 328.5 (Signs for digital deposit-taking channels) which were originally to go into effect as of January 1, 2025, and postponed to May 1, 2025. TCA – A Better Way!
New HMDA Filing Login Requirements
If you are a HMDA filer, CFPB has made the filing process more secure or more complicated depending on your viewpoint. According to this quick reference guide, effective January 1, 2025 a Login.gov login, which includes multifactor authentication (MFA), will be required to file your institution’s 2024 HMDA data. Users will no longer have the […]
Regulatory Updates – Fourth Quarter 2024
Below is a link to the Regulatory Updates as of the end of Q4 2024. TCA provides A Better Way for you to track Compliance updates and keep your organization on track. TCA – A Better Way!
