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MERCADIEN CERTIFIED PUBLIC ACCOUNTANTS

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.

Banking Clips

About.com (May 2010) "Successful Small Business Strategies During the Recession"

Mercer Business (Apr. 2010) "The Science of Regulatory Compliance"

Video WZBN (Mar. 23, 2010) "Debit Cards"

ACAMS (Mar. 2010) "Member Spotlight"

Video WZBN (Feb. 9, 2010) "Mortgage Forms"

Sal Zerilli Principal Announcement (Dec. 2009) "The Mercadien Group Welcomes Sal Zerilli"

Other Mercadien Clips

AOL DailyFinance (Jun. 7, 2010)
"The Mercadien Group Welcomes New Principal and Managing Director, Gary B. Rosen, CPA, CFE, CFF"

Video WZBN TV−25 (Jun. 1, 2010)
"Non Profits and Tax Exemption"
For prior video clips, click here.

Processor (May 21, 2010) "Control Your Personnel Costs"

About.com (May 2010) "Successful Small Business Strategies During the Recession"

The Times (May 2, 2010) "The Numbers Lady"

Mercer Business (Apr. 2010) "Ask a Busy Person - Lisa Thouin"

NJBIZ (Apr. 19, 2010) "As The Ink Dries You Can Still Lose The Deal"

Video WZBN TV−25 (Apr. 16, 2010) "Gov. Christie at Mercadien on Cuts"

USA Today (Apr. 6, 2010) "Tax Breaks for Enegery Savers Still Going Strong"

North Jersey (Mar. 11, 2010) "Business Owners Need Flexible Estate Plans"

Town Topics (Mar. 10, 2010) "YWCA’s ‘Tribute to Women 2010’ Cites Talent, Energy, Achievement"

Compliance Week (Feb. 1, 2010) "Mercadien Technologies Expands Rollout of MCare"

Forbes (Jan. 27, 2010) "Mercadien Technologies Expands Rollout of MCare"

North Jersey (Jan. 19, 2010) "Investors in 1990s stock swindle involving Brennan to get $5 million relief"

Mercer Business (Jan. 2010) "Planning for Success"

Too Much (Jan. 4, 2010) "A Lost Decade's Big Winners"

USA Today (Dec. 29, 2009) "Estate Tax Set to Expire Thursday"

Philadelphia Inquirer (Dec. 23, 2009) "2010 Will Likely Be A Good Year to Die Rich"

The Times (Dec. 22, 2009) "Committee Striving to Bring New Business to Bordentown"

The Faster Times (Dec. 17, 2009) "To Roth IRA or Not?"

Video Fox Business News (Dec. 11, 2009) "Tax Planning Tips"

Forbes (Dec. 3, 2009) "You Can Still Cut Your 2009 Tax Bill"

NJ League of Municipalities (Dec. 2009) "What to Expect When the Forensic Accountant Arrives"

Mercer Business (Dec. 2009) "How to Manage in Challenging Times"

NJ Business (Dec. 2009) "Tax Treatments"

Philadelphia Inquirer (Nov. 25, 2009) "Another Audit of Camden Makes 50 Recommendations for Change"

Mercer Business (November 2009) "Outsourcing Your IT: Improve Efficiency & Security"

NJSCPA (Nov. & Dec. 2009) "Volunteer Spotlight: Lisa Thouin"

The Times (Sept. 27, 2009) "Not Another ‘Old Boy’"

The Times (Sept. 18, 2009) "City Council Balks at Hiring Administrator"

Press Releases

Ritter Appointed to Robert Wood Johnson Healthcare Corp. Hamilton Board of Directors (Dec. 30, 2009)

Mercadien Donates Hundreds of Toys for Children in Need (Dec. 21, 2009)

The Mercadien Group Launches New Practice Providing Internal Audit Servcies to Community Banks (Dec. 1, 2009)

New Mercer Regional Chamber of Commerce Chairman (October 2009)

Mercadien Asset Management News & Events

Archived News & Events