Be prepared for your next examination, and beyond.
ViClarity® is a national leader in credit union compliance solutions. Through our audit and review services, we help credit unions assess, identify and address compliance issues, so they can be better prepared for their next examination, and beyond.
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Assess, Identify and Address Issues
Our audit team will perform testing and can assess your policies, procedures, disclosures and other areas of compliance to identify red flags unique to your credit union. After identifying compliance concerns, we provide recommendations to help address issues so you are well prepared for your next regulatory exam.
Unparalleled Regulatory Compliance Experience
Our professionals have years of experience conducting audits and reviews in credit unions. Armed with extensive knowledge of federal financial institution regulations and industry best practices, our team is ready to help. How satisfied are clients? Our team consistently receives satisfaction ratings of 93% or above.
| 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) and Nondiscrimination Requirements, NCUA 701. |
| Lending Audits |
| Our lending audits include 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) and Servicemembers Civil Relief Act (SCRA). |
| Deposit Audits |
| Our deposit audits include Truth in Savings Act, NCUA 707; Reg CC - Expedited Funds Availability Act; Reg E - Electronic Funds Transfer Act; and Accuracy of Advertising and Notice of Insured Status, NCUA 740. |
| Privacy Audits |
| Our privacy audits include Gramm-Leach-Bliley Act (GLBA) and Reg P. |
| Required Audits |
| Our required annual audits include Bank Secrecy Act (BSA) Independent Testing, Automated Clearing House (ACH) Audit and SAFE Act Independent Testing. |
| Website & Social Media Advertising Compliance Reviews |
| Your website is as much a reflection of your credit union as your branch lobby. Our advertising website compliance reviews identify at-risk areas on your website and help you address them. We can also review your social media accounts to ensure you are staying in compliance with your marketing messages. |
Learn more about these and other consulting services available for credit unions.
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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.