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Compliance Audits

RDK & Associates, Inc. can provide ongoing reviews for all compliance areas. RDK tailors a compliance program to fit the needs of your bank through quarterly, semiannual, or annual reviews. The results of our compliance reviews are used to identify violations, determine systemic problems, and to provide training of bank personnel. The following areas are covered as part of our compliance reviews:

  • Fair Credit Reporting Act
  • Interest on Loans
  • FACT Act
  • Real Estate Settlement Procedures Act
  • Fair Housing Home Loan Data System
  • Flood Disaster Protection Act
  • Fair Housing Act
  • Adjustable Rate Mortgages
  • Credit Practices Rule
  • Truth in Lending Act
  • Equal Credit Opportunity Act
  • Interbank Liabilities
  • HOEPA
  • Fair Debt Collection Practices Act
  • Advertising
  • CRA
  • Electronic Funds Transfers
  • Interest on Deposits
  • Right to Financial Privacy
  • Expedited Funds Availability
  • Truth in Savings
  • Legal Lending Limits
  • Conflicts of Interest
  • Other Real Estate Owned
  • Real Estate Appraisal Review Audit
  • Bank Secrecy Act *
  • Financial Privacy
  • Affiliates

*RDK & Associates, Inc. conducts Bank Secrecy Act audits in accordance with the procedures outlined in the Federal Financial Institutions Examinations Council’s BSA/AML Examination Manual.