Be Prepared for Your Next Examination & Beyond

ViClarity is a national leader in credit union regulatory compliance solutions and services. Through our audit and review offerings, we help credit unions across the US assess and identify compliance issues efficiently and objectively based on their specific needs.

ViClarity delivers cost-effective, efficient and flexible remote auditing. We listen to our clients’ preferences and expectations during planning conversations and build customized audit plans. At ViClarity we are passionate about this — we never take a “one size fits all” approach.

 

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Delivering Unparalleled Regulatory Compliance Expertise

We know that having a trusted partner who understands the constantly changing regulatory environment can make a world of difference for credit unions. Many members of our Audit Services team worked in or with credit unions before their time at ViClarity, and it shows. We understand the obstacles facing credit unions and the importance of detailed, comprehensive reports showing any and all findings, recommendations and suggestions for improvement.

Armed with extensive knowledge of federal financial institution regulations and industry best practices, the ViClarity team stands ready to assist. We can assess your policies, procedures, disclosures and other areas of compliance to identify red flags unique to your credit union, so you are well-prepared for your next regulatory exam and beyond.

ViClarity offers a full suite of audit and review services including:  

 

Fair Lending Audits

Our fair lending audits include:

  • Reg C - Home Mortgage Disclosure Act (HMDA)
  • Reg B- Equal Credit Opportunity Act
  • Fair Housing Act (FHAct)
  • Nondiscrimination Requirements, NCUA 701
Lending Audits

ViClarity performs lending audits such as:

  • Reg B – Equal Credit Opportunity Act
  • Reg Z - Truth in Lending Act including TILA/RESPA Integrated Disclosures (TRID)
  • Reg X - Real Estate Settlement Procedures Act
  • Reg V - Fair Credit Reporting Act
  • Flood Disaster Protection Act (FDPA)
  • National Flood Insurance Reform Act
  • Military Lending Act (MLA)
  • Servicemembers Civil Relief Act (SCRA)
Deposit Audits

We conduct a variety of deposit audits, including:

  • Truth in Savings Act, NCUA 707
  • Reg CC - Expedited Funds Availability Act
  • Reg E - Electronic Funds Transfer Act
  • Accuracy of Advertising and Notice of Insured Status, NCUA 740
Privacy Audits

Our privacy audits include:

  • Gramm-Leach-Bliley Act (GLBA)
  • Reg P
Required Audits

Required annual audits supported by ViClarity include:

  • Bank Secrecy Act (BSA) Independent Testing
  • Automated Clearing House (ACH) Audit
  • SAFE Act Independent Testing
Website & Social Media Advertising Compliance Reviews

ViClarity’s advertising website compliance reviews identify at-risk areas on your website and help you address them – your website is as much a reflection of your credit union as your branch lobby. We can also review your social media accounts to ensure you stay in compliance with your marketing messages.

 

The ViClarity team consistently receives satisfaction ratings of 93% or above.

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NuMark Credit Union Partners with ViClarity for Audits & Benefits from Exceptional Reports

With a growing membership, NuMark faces new challenges, opportunities and regulatory requirements every day. To get ahead they chose to build their compliance team and formalize its processes, but with a small staff it can be hard to catch everything. After hiring ViClarity to assist with audits, the NuMark team is moving forward more confidently with thorough findings and helpful recommendations in hand... Read More

 

 

Learn more about these and other solutions available for credit unions:

 

Services performed by ViClarity are compliance and not legal in nature, and do not form an attorney-client relationship or any of the protections attendant to the attorney-client relationship.

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Social media is a great way for credit unions to reach current members and promote products and services to potential members, but it is a common area of compliance confusion. Here are a few tips that can help credit unions minimize their social media compliance risk.

 

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   A good audit partner can not only complete your audits efficiently and objectively, but also provide guidance about which audits are necessary or recommended for your organization. Find out which characteristics and qualities to look for when choosing a partner — and don’t get talked into services you don’t need.

 

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