Built for compliance, designed for success.
Vantage Point Solutions has in-house regulatory expertise to help you navigate the ever-evolving complexities of financial industry regulations. Our team stays ahead of changing requirements to provide proactive, reliable guidance and ensure your institution remains prepared for what’s next.
Compliance Consulting
Receive tailored guidance for intricate regulatory requirements to maintain compliance and minimize risk. We are your virtual compliance partner, offering retainer-based support while providing your staff with training to build internal expertise.
We also conduct advertising and marketing reviews, staff augmentation, and responses/remediation for regulatory exam deficiencies. Our vendor management program assistance and comprehensive compliance program and policy reviews ensure your institution operates without a hitch.
- Virtual Compliance Partner
- Retainer Services
- Staff Training
- Advertising & Marketing Reviews
- Staff Augmentation
- Regulatory Exam Deficiencies Response and Remediation
- Vendor Management Program Assistance
- Compliance Program & Policy Review
Compliance Audits
Navigating the complex landscape of financial regulations requires a proactive and thorough approach to compliance. At Vantage Point, we provide comprehensive compliance audits to help financial institutions identify gaps, mitigate risks, and confidently meet regulatory expectations. Our team conducts in-depth assessments across all critical compliance areas, ensuring your policies, procedures, and operations align with the latest regulatory requirements.
We go beyond just identifying issues—we provide actionable recommendations to strengthen compliance frameworks, enhance operational efficiency, and prepare your institution for regulatory examinations. Whether you need a full compliance audit or a focused review of specific areas, our experts ensure your financial institution remains resilient, compliant, and ready for the future.
- Fair Lending Compliance – Ensure your institution adheres to Equal Credit Opportunity Act (ECOA), Home Mortgage Disclosure Act (HMDA), and Fair Housing Act (FHA) requirements. We analyze loan data, policies, and underwriting practices to detect and prevent discriminatory lending patterns, ensuring compliance and maintaining customer trust.
- AML/CFT/OFAC Compliance – Financial crime prevention is more critical than ever. Our team helps you meet Anti-Money Laundering (AML), Countering the Financing of Terrorism (CFT), and Office of Foreign Assets Control (OFAC) regulations. We review transaction monitoring systems, risk assessments, and reporting procedures to ensure robust fraud detection and compliance with financial crime regulations.
- Loan Compliance Reviews – Loan compliance is essential for both regulatory adherence and portfolio health. We assess your loan origination, underwriting, and servicing processes to ensure compliance with Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Community Reinvestment Act (CRA), and other applicable regulations.
- Deposit Compliance Audits – Regulatory oversight for deposit accounts is ever-changing, requiring institutions to stay ahead of evolving requirements. We review your deposit account policies, disclosures, and operations to ensure compliance with Regulation D, Regulation E, Regulation CC, and Truth in Savings Act (TISA)—helping you avoid costly penalties and enhance customer experience.
- Additional Regulatory Requirements – Financial institutions face a wide array of compliance demands, and our team ensures no stone is left unturned. From UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) compliance to Privacy and Data Protection (GLBA) and beyond, we deliver thorough audits tailored to your institution’s needs.
A Partner That Does It All
Navigating the complex landscape of financial regulations requires a proactive and thorough approach to compliance. At Vantage Point, we provide comprehensive compliance audits to help financial institutions identify gaps, mitigate risks, and confidently meet regulatory expectations. Our team conducts in-depth assessments across all critical compliance areas, ensuring your policies, procedures, and operations align with the latest regulatory requirements.
HMDA (Home Mortgage Disclosure Act)
Accurate Home Mortgage Disclosure Act (HMDA) reporting is essential for financial institutions to maintain transparency, uphold fair lending practices, and meet regulatory expectations. However, inconsistent data, reporting errors, and evolving compliance requirements can pose significant challenges.
At Vantage Point, we provide comprehensive HMDA support to ensure your institution’s data integrity, reporting accuracy, and operational efficiency. Whether you need an in-depth audit of your HMDA data, guidance on regulatory updates, or hands-on staff training, our experts help you streamline reporting, mitigate risk, and build confidence in your compliance practices.
HMDA Reviews & Data Integrity Audits
We conduct thorough HMDA data reviews to identify inconsistencies, missing fields, and reporting errors before they become compliance risks. Our data integrity audits focus on:
- Loan Application Register (LAR) accuracy
- Fair lending data validation
- Error resolution and correction strategies
- Regulatory examination preparation
Customized Staff Training
HMDA compliance starts with well-informed teams. We offer tailored training programs designed to equip your staff with the knowledge and skills needed to:
- Accurately collect and report HMDA data
- Understand regulatory updates and evolving requirements
- Mitigate reporting errors through best practices
- Enhance internal monitoring and oversight
Data Integrity is the Key to HMDA Success
With regulatory scrutiny increasing, ensuring clean, accurate, and well-documented HMDA data is more important than ever. Vantage Point provides the expertise and resources to help you maintain compliance, minimize risk, and improve overall reporting efficiency.
Let’s strengthen your HMDA reporting today—contact our team to get started.
Robust AML/CFT solutions to safeguard against financial crimes, with expertise in AML/CFT/OFAC audits, thorough risk assessments, and expert consulting and remediation to address compliance challenges head-on. Guarantee operational security with our Independent Reviews of MSB anti-money laundering programs.
- AML/CFT/OFAC Audit
- Risk Assessment
- Consulting and Remediation
- Independent Review of MSB Anti-Money Laundering Program
Robust AML/CFT solutions to safeguard against financial crimes, with expertise in AML/CFT/OFAC audits, thorough risk assessments, and expert consulting and remediation to address compliance challenges head-on. Guarantee operational security with our Independent Reviews of MSB anti-money laundering programs.
- AML/CFT/OFAC Audit
- Risk Assessment
- Consulting and Remediation
- Independent Review of MSB Anti-Money Laundering Program
AML/CFT/OFAC compliance is critical to protecting and empowering your financial institution. That’s why we prioritize accurate and efficient support, from consulting and auditing to remediation and risk assessment. Trust our AML/CFT/OFAC audits and specialized guidance that meet your needs and exceed your expectations.
- AML/CFT/OFAC Audit (Anti-Money Laundering, Countering the Financing of Terrorism, Office of Foreign Asset Control)
- Risk Assessment
- Consulting & Remediation
- Independent Review of MSB Anti-Money Laundering Program Consulting and Remediation (Money Service Businesses)
