FULL-SCALE COMPLIANCE REVIEW

We read the fine print so you don’t have to.

The federal laws and regulations that affect credit unions seem to change daily. And, in today’s financial environment, sometimes it seems as if they change even faster than 1.85% 1.85% that. More than ever, your credit union needs to feel confident that it is in compliance and will stay in compliance. FULL-SCALE COMPLIANCE REVIEW

to ensure all the changes were properly implemented. WHY POLICYWORKS? Fortunately our process enables your credit union to take + OUR ONLY BUSINESS IS CREDIT UNION a look back once things have been finalized and confirm REGULATIONS whether you have done things correctly.

+ OUR TRAINED PROFESSIONALS HAVE YEARS OF EXPERIENCE WITH CREDIT The full-scale review reviews compliance with all applicable federal UNION REGULATIONS laws and regulations, including, but not limited to: + Appraisals + WE SAVE CREDIT UNIONS TIME AND MONEY + + Children’s Online Privacy Protection Act + WE ARE A TRUSTED PARTNER + Credit Card Act of 2009 TO CREDIT UNIONS + Electronic Funds Transfer Act + Electronic Signature Act The Challenge + Equal Credit Opportunity Act + Expedited Funds Availability Act Credit unions can find themselves out of compliance + Fair Credit Reporting Act with federal laws and regulations — even when they have a full-time compliance officer. The consequences can + Fair Housing Act include monetary, legal and public relations penalties. + Home Mortgage Disclosure Act In addition to the laws already on the books, you can + NCUA Rules and Regulations expect new regulations to go into effect this year. + OFAC + Privacy Act The challenge is to comply with credit union regulations + Real Estate Settlement Procedures Act and still serve members. + Reserve Requirements + SAFE Act The Solution + Servicemembers Civil Relief Act PolicyWorks advocates a preventative approach with our Full-Scale + Truth in Lending Compliance Review. At PolicyWorks, we are solely focused on the + Truth in Savings federal laws and regulations that affect credit unions, which is why when we conduct a Full-Scale Compliance Review, you’ll be able to feel The regulations aren’t standing still, and you shouldn’t either. secure that your credit union is in compliance. Because we know the Contact Ryan Charlton today at 866.518.0209 or visit us at www. regulations so well — down to the footnotes and fine print — we find policyworksllc.com to get started. the things that you may have missed. At the completion of the review, our professional staff provides you with a customized, written report PolicyWorks does not provide legal opinions or legal advice. As such, the detailing any compliance problems and our suggested resolutions. services provided by PolicyWorks should not be construed as legal services, legal advice or in any way establishing an attorney-client relationship. In today’s regulatory environment, change sometimes happens so drastically and radically that it is very difficult

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Compliance is our policy.

1500 NW 118th Street | Des Moines, IA 50325 | P. 866.518.0209 | www.policyworksllc.com | www.theworksblog.com