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Regulatory Compliance

The regulatory environment in the banking industry is ever-changing. Our professionals receive continuous training to remain up to date on all regulatory changes affecting your institution. Our compliance reviews are broken down by functional area and are inclusive of the following, among others:
  • Lending Compliance
    • Real Estate Settlement Procedures Act (RESPA)
    • Truth In Lending Act (TIL) - Regulation Z
    • Equal Credit Opportunity Act (ECOA) - Regulation B
    • Fair Credit Reporting Act (FCRA)
    • Flood Disaster Protection Act
    • Fair Debt Collections Practices Act
    • Fair Housing Act
    • Community Reinvestment Act (CRA)
    • Home Mortgage Disclosure Act (HMDA) - Regulation C
    • Loans to Officers/Directors/Shareholders - Regulation O
    • Homeowners Protection Act
    • Unfair or Deceptive Practices Act - Regulation AA
    • Home Ownership and Equity Protection Act (HOEPA)
  • Deposit Compliance
    • Truth in Savings - Regulation DD
    • NOW and Money Market Accounts - Regulation D
    • Availability of Funds and Collections of Checks - Regulation CC
    • Prohibition against Payments of Interest on Demand Deposits - Regulation Q
    • Dormant/Escheat Accounts
    • Interest on Deposits - Regulation Q
  • Operational
    • Electronic Funds Transfer (EFT) Act - Regulation E
    • Gramm-Leach-Bliley Act (GLBA) and Privacy of Consumer Financial
             Information - Regulation P
    • Limitations on Interbank Liabilities - Regulation F
    • Prohibition of Funding of Unlawful Internet Gambling - Regulation GG
    • National Automated Clearing House Association (NACHA)
    • International ACH Transaction (IAT)
    • Branch Compliance
Regulatory compliance reviews and audits can be incorporated directly into your financial institution's outsourced internal audit program with Mercadien or complement your current audit schedule.
In the News

Nonprofit Update – NJDCA will NOT require donor designation regulation (Aug 18, 2011)

MercerSpace (July 11, 2011)
"RWJ Hamilton names three business leaders to Board of Directors"

NJBIZ (July 1, 2011)
"Mercadien Evaluates 2011 Growth Outlook"

Trenton Times (June 15, 2011)
"Risk Seminar Stresses Teamwork in Business"

New Jersey Newsroom (Apr. 6, 2011) "State Returns $1.54M to Investors Defrauded by Robert Brennan"
Press Releases

Mercadien's Ritter Named to Robert Wood Johnson University Hospital Hamilton Foundation Board of Directors (Jan. 3, 2012)

The Mercadien Group Donates Toys for Children in Need to Toys For Tots Foundation (Dec. 20, 2011)

Mercadien's Rosen Elected to National Association of Certified Valuators and Analysts (Dec. 19, 2011)

Mount Receives Clara Barton Leadership Award (Dec. 12, 2011)

Mercadien Announces Kyle Neeld, CPA Named to Director (Oct. 24, 2011)

Karen West, Chief Operating Officer, Joins The Mercadien Group (Oct. 17, 2011)

Mercadien Announces Lisa M. Thouin, CPA Named to Principal (Oct. 3, 2011)

Mercadien Asset Management News & Events

Archived News & Events

 
Mercadien: P.O Box 7648, Princeton, NJ 08543-7648 609-689-9700
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