--- title: Regulatory Compliance | Financial Institutions | Saltmarsh Advisors description: Saltmarsh offers regulatory compliance services for banks, credit unions, and fintechs, including reviews, advisory support, and training. Stay compliant with confidence. image: https://marketing.saltmarshadvisors.com/hubfs/Announcement%20Graphic.jpg --- [Skip to content](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance#main-content) [![SM Horizonal Black Web](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Company%20Branding/SM%20Horizonal%20Black%20Web.png?width=475&height=123&name=SM%20Horizonal%20Black%20Web.png) ![SM Horizonal Color DK Web](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Company%20Branding/SM%20Horizonal%20Color%20DK%20Web.png?width=437&height=113&name=SM%20Horizonal%20Color%20DK%20Web.png)](https://www.saltmarshcpa.com/) # Regulatory Compliance Services for Financial Institutions Stay ahead of shifting regulations with proactive, practical compliance support from a team that knows the industry inside and out. [Contact Us](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance#contact) ![Hero Banner](https://marketing.saltmarshadvisors.com/hubfs/Company%20Branding/Tonal%20White.png) ## Confident Compliance in a Changing Environment The regulatory landscape never stops evolving, and neither do the expectations placed on banks, credit unions, and fintechs. From consumer protections in everything from loan operations to deposit account disclosures to complaints management, staying compliant requires more than policies and procedures. It requires a partner who understands your unique culture and operations, and the intent behind the consumer laws and regulations. At Saltmarsh, we offer regulatory compliance reviews that are grounded in real-world experience. Many of our professionals are former bankers and compliance officers who’ve worked in the same types of institutions as we now advise. That means we don’t just know the regulations: we help you apply them in ways that are practical and tailored to your financial institution. ## Practical Reviews Backed by Real-World Experience Every financial institution is different. That’s why our approach is built on collaboration and context. We start by understanding your institution’s structure, culture, systems, and strategy and then tailor our procedures accordingly. Our team is known for responsiveness, deep expertise, and clear communication, and we make it a priority to deliver timely, actionable guidance that supports both compliance and operational goals. Whether you're preparing for an exam, launching a new product, or simply seeking a fresh perspective, we offer the clarity and confidence that today’s banks, credit unions, and fintechs need.   ![IMG\_5748](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Events/Financial%20Institutions/BankTalk%202025/IMG_5748.jpg?width=517&height=388&name=IMG_5748.jpg) #### Explore More Services: ###### [Banks](https://marketing.saltmarshadvisors.com/financial-institutions/banks) ###### [Credit Unions](https://marketing.saltmarshadvisors.com/financial-institutions/credit-unions) ###### [Fintechs](https://marketing.saltmarshadvisors.com/services-for-fintechs-financial-institutions-saltmarsh-advisors) ###### [Regulatory Compliance](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance) ###### [Internal Audit](https://marketing.saltmarshadvisors.com/financial-institutions/internal-audit) ###### [FDICIA 363 Consulting & Readiness](https://marketing.saltmarshadvisors.com/financial-institutions/fdicia-363-consulting-testing) ###### [Credit Quality Reviews](https://marketing.saltmarshadvisors.com/financial-institutions/credit-quality-reviews) ###### [ACH Reviews & Risk Assessments](https://marketing.saltmarshadvisors.com/financial-institutions/ach-reviews) ###### [BSA, AML, OFAC, and CFT](https://marketing.saltmarshadvisors.com/financial-institutions/bsa-aml-cft-ofac) ###### [Fair Lending & UDAAP Risk Reviews](https://marketing.saltmarshadvisors.com/financial-institutions/fair-lending-data-analytics) ###### [CRA Services](https://marketing.saltmarshadvisors.com/financial-institutions/cra-services) ###### [Asset Liability Management Review](https://marketing.saltmarshadvisors.com/financial-institutions/asset-liability-management-reviews) ###### [Information Systems & Cybersecurity Audits](https://marketing.saltmarshadvisors.com/financial-institutions/information-systems-third-party-risk-management) ###### [Trust Operations & Fiduciary Responsibilities](https://marketing.saltmarshadvisors.com/financial-institutions/trust-operations-fiduciary-responsibilities) ###### [Advisory, Training, and Coaching](https://marketing.saltmarshadvisors.com/financial-institutions/advisory)   ### Our Regulatory Compliance Services We provide a wide range of reviews, testing, and consulting services covering both lending and deposit compliance requirements and initiatives. Services can be scoped individually for targeted deep dives by product, function, or regulation; or bundled into broader compliance engagements. [Contact Us](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance#contact) #### Deposit Compliance Reviews Ensure your deposit related processes and disclosures meet standards set by the TISA, EFTA, GLBA, EFAA, UIGEA, and more, with practical insights to reduce risk and prepare for successful exams. #### Loan Compliance Reviews Evaluate lending activities for adherence to consumer protection laws, including the TILA, RESPA, SAFE Act, ECOA, HMDA, FDPA, HOPA, MLA, SCRA, FCRA, and more. #### Compliance Management System (CMS) Reviews Review the structure and effectiveness of your CMS, including management oversight, policies and procedures, training, monitoring, and complaint response. #### Home Mortgage Disclosure Act (HMDA) Scrub Validate your HMDA data for completeness and accuracy, reducing the risk of examiner findings and helping you meet regulatory expectations with confidence. #### Non-Deposit Investment Products (NDIP) Review Ensure compliance in NDIP-related policies, disclosures, marketing, internal controls, and training -- with records testing to identify any violations or patterns of exceptions. #### Fair & Accurate Credit Transactions Act (ID Theft/Red Flag Program) Review Review your institution’s Red Flags Program to verify adequate identification, detection, response, mitigation, and reporting of potential identity theft in compliance with FACTA requirements. #### SAFE Act Compliance Review Assess your policy, registrations, tracking, documentation, and communications of the institution and its mortgage loan originators, in relation to the SAFE Act and NMLS requirements. #### Flood Scrub Validate your HMDA data for completeness and accuracy, reducing the risk of examiner findings and helping you meet regulatory expectations with confidence. ### Specialty & Customized Compliance Services For institutions with unique product offerings or evolving risk profiles, we offer targeted reviews that address specific regulatory areas or emerging issues. [Contact Us](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance#contact) #### Fair Credit Reporting Act (FCRA) Reviews Assess data furnishers’ and users’ practices as they pertain to key regulatory provisions such as permissible purpose, identity theft programs, credit score disclosures, risk-based pricing, data accuracy and reporting, affiliate information sharing and opt-outs, dispute handling, and prescreening disclosures under FCRA. #### Credit Card (CARD Act) Compliance Review and assess your processes for soliciting and marketing, opening, and servicing credit card accounts, as regulated by the CARD Act (TILA), FCRA, ECOA, and more. #### Regulation E: Error Resolution Review Examine your processes, including timing and content of consumer communications, related to response and resolution of consumer disputes and claims of error. #### Overdraft Protection Program Review & Systems Testing Determine if overdraft opt-in procedures, disclosures, and processing systems are adequate, and importantly, operating as intended within your core to reduce UDAAP risk and ensure compliance with the TISA and EFTA. ### Advisory, Consulting, & Support Services Our team also provides hands-on support to help your institution stay informed, confident, and confident going into supervisory examinations. [Contact Us](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance#contact) #### Exam Preparedness or Follow-Up Support Prepare for upcoming regulatory exams or respond effectively to examiner findings with guidance or testing tailored to your institution’s structure and risk profile. #### Seminars & Board/Staff Training Educate your teams with customized training that builds awareness and supports a strong culture of compliance from front-line staff to the boardroom. #### Policy & Procedures Review Review or enhance compliance policies and procedures to align with regulatory expectations and reflect your institution’s practices. ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Bank3%20Testimonial.png?width=1200&length=1200&name=Bank3%20Testimonial.png) ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Piedmont%20Federal%20-%20Testimonial.png?width=1200&length=1200&name=Piedmont%20Federal%20-%20Testimonial.png) ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Pendleton%20Community%20Bank%20-%20Testimonial.png?width=1200&length=1200&name=Pendleton%20Community%20Bank%20-%20Testimonial.png) ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Peoples%20Bank%20Texas%20-%20Testimonial.png?width=1200&length=1200&name=Peoples%20Bank%20Texas%20-%20Testimonial.png) ![Regulatory Compliance Reports Cover Image](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Regulatory%20Compliance%20Reports/Regulatory%20Compliance%20Reports%20Cover%20Image.png?width=1080&height=1080&name=Regulatory%20Compliance%20Reports%20Cover%20Image.png) ## Get the Most Recent Updates at a Glance *Recent & Upcoming Regulatory Compliance Changes – Quarterly Update* This document includesconcise summaries of **the most material developments** over the past quarter. It’s ideal for those who need a quick, focused view of what’s changed since the last report. **What’s inside:** - Key updates from CFPB, OCC, FDIC, FRB, and HUD - Effective dates and impact levels - Hyperlinked citations to original rules - Summaries of rescinded, vacated, or delayed provisions [Download Now](https://marketing.saltmarshadvisors.com/regulatory-compliance-reports) ## Why Saltmarsh? Saltmarsh brings decades of experience serving banks, credit unions, and fintechs in regulated environments. We tailor every engagement to your size, structure, and risk profile and focus on delivering practical insights, clear documentation, and the kind of responsive service that makes a difference when it matters most.   ## Meet the Team Our regulatory compliance professionals combine deep regulatory knowledge with hands-on experience in financial institutions. We understand what examiners expect and how to help you meet those expectations with practical, efficient solutions. ![Stogniew, Kristen-1](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Stogniew%2c%20Kristen-1.jpeg?width=1655&height=1924&name=Stogniew%2c%20Kristen-1.jpeg) #### Kristen Stogniew, Esq., CFE ##### Partner Kristen is a partner and leader of Saltmarsh’s Financial Institution Consulting practice, with over 25 years of experience advising banks, credit unions, and fintechs on legal, operational, and compliance matters. She also provides tailored training, mentorship, and facilitates user groups across key systems and risk areas. ![Oliver, Sarah\_HS Size (1)](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Oliver%2c%20Sarah_HS%20Size%20(1).png?width=1654&height=1923&name=Oliver%2c%20Sarah_HS%20Size%20(1).png) #### Sarah Oliver, CRCM ##### Director Sarah is a director in Saltmarsh’s Financial Institution Advisory Group. She specializes in compliance reviews and provides guidance on deposit and lending regulations, as well as support with special research projects and regulatory implementation for financial institutions. ![Rader, Teri](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Rader%2c%20Teri.jpeg?width=1660&height=1924&name=Rader%2c%20Teri.jpeg) #### Teri Rader, JM, CRCM ##### Manager Teri is a manager in the Financial Institution Advisory Group. She has worked with financial institutions since 1994, specializing in regulatory compliance, operations, project management, and developing risk assessments, policies, and procedures. Teri brings extensive experience from serving community, regional, large, and international banks ![Keith, Jason](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Keith%2c%20Jason.jpeg?width=1666&height=1924&name=Keith%2c%20Jason.jpeg) #### Jason Keith, CIA, CISA ##### Partner Jason is a partner with 20 years of experience in financial institutions. He specializes in technology solutions and has served in roles spanning compliance, lending, operations, audit, and IT leadership. ## Let’s Talk Whether you’re preparing for an exam, looking for a targeted review, or want to strengthen your overall compliance program, our team is here to help. Get in touch with a Saltmarsh regulatory compliance expert today and move forward with confidence. ## **Insights** #### [OCC's New CRA Strategic Plan Proposal: What Community Banks Need to Know](https://www.saltmarshadvisors.com/news/blog/occ_new_cra_plan.asp) Written on 1/21/2026 #### [FAQs: Working with Our Financial Institution Advisory Team](https://www.saltmarshadvisors.com/news/blog/faqs__financial_institution_advisory.asp) Written on 1/20/2026 #### [2025 Fair Lending Outlook: Compliance in a Changing Landscape](https://www.saltmarshadvisors.com/news/blog/2025_fair_lending_strategic_compliance_.asp) Written on 7/30/2025 #### [CFPB's Regulatory Shake-Up and Consumer Protection Efforts](https://www.saltmarshadvisors.com/news/blog/cfpb_s_regulatory_shake_up_.asp) Written on 6/25/2025   **[View All Insights](https://www.saltmarshadvisors.com/news/blog/_all.asp)** ### **Stay Up To Date with the Financial Institution Industry** Join our email list for banks or credit unions to receive quarterly insights and information on upcoming events from our team of experts to help you succeed in this ever-changing environment. **[Banks](https://www.saltmarshadvisors.com/news/blog/_all.asp)    [Credit Unions](https://www.saltmarshadvisors.com/news/blog/_all.asp)** [![SM Horizonal Ledger Web](https://marketing.saltmarshadvisors.com/hubfs/Company%20Branding/SM%20Horizonal%20Ledger%20Web.png)](https://www.saltmarshadvisors.com/) - [Privacy Policy](https://www.saltmarshcpa.com/privacy/) © 2026 Saltmarsh. All Rights Reserved | Saltmarsh is the brand name under which Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund provide professional services. Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund practice as an alternative practice structure in accordance with the AICPA Code of Professional Conduct and applicable law, regulations and professional standards. Saltmarsh CPAs, Inc. is a licensed independent CPA firm that provides attest services to its clients. Saltmarsh, Cleaveland & Gund and its subsidiary entities, which are not licensed CPA firms, provide tax, advisory, and other non-attest services to its clients. The entities falling under the Saltmarsh brand are independently owned and are not liable for the services provided by any other entity providing the services under the Saltmarsh brand. 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