Regulatory Compliance Policy System

Young & Associates has developed the Regulatory Compliance Policy System to provide you with the major policies your bank might need. Our policy system is comprehensive, updated regularly, and provides guidance with every change to ease the policy revision process within your bank.

The Regulatory Compliance Policy System includes:

• A comprehensive manual providing the framework for developing policies. Each policy has specific instructions on the areas that must be customized for your bank. The instructions are number-coded to correspond to the material on computer disk.
• All policies in hard copy and on computer disk. Using any IBM-compatible word processor, and following the instructions provided, you can customize the policies for your bank. There is no retyping and no new software program to learn.

Buy the Policy System and Save!

Young & Associates policy systems are designed to give your bank the policies you need at a substantial savings. By purchasing this policy system, your bank can save nearly 50% on up-to-date, well-written policies for your bank!

The following policies are included:

Management Policies

• Compliance Management
• Code of Conduct and Ethics Program
• Insider and Affiliate Credit
• Insurance and Annuity Sales

Deposit Policies

• Regulation D: Definitions and Reserve Requirements Policy
• Regulation DD: Deposit Account Terms, Disclosures, and Advertising
• Regulation CC: Expedited Funds Availability Act (Includes Check 21)
• Regulation E: Electronic Fund Transfer Act
• Regulation E: International Remittance Transfers
• Bank Secrecy and Anti-Money Laundering (Includes Customer Identification Program)
• Money Services Businesses
• Marijuana/Cannabis and MRB

Operations Policies

• Bank Security
• Regulation F: Correspondent Banking
• Financial Privacy
• Suspicious Activity Reporting
• Regulation P: Consumer Privacy
• Safeguarding Customer Information
• Dormant Accounts
• Disposal of Consumer and Customer Information
• Identity Theft Prevention
• Regulation GG: Unlawful Internet Gambling
• E-Sign Act

General Lending Policies

• Regulation Z: Loan Terms, Disclosures, and Advertising
• Fair Credit Reporting Act
• Regulation AA: Unfair and Deceptive Credit Practices
• Fair Debt Collection Practices
• Servicemembers Civil Relief Act
• Military Lending Act

Fair Lending Policies

• Regulation B: Equal Credit Opportunity
• Regulation C: Home Mortgage Disclosure Act Reporting
• Regulation BB:Community Reinvestment
• Fair Housing Requirements
• Fair Lending

Real Estate Lending Policies

• Real Estate Settlement Procedures
• Flood Insurance
• Environmental Risk
• Appraisals and Evaluations
• SAFE Act