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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.

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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.

 

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Explore More Services:

Banks
Credit Unions
Fintechs
Regulatory Compliance
Internal Audit
FDICIA 363 Consulting & Readiness
Credit Quality Reviews
ACH Reviews & Risk Assessments
BSA, AML, OFAC, and CFT
Fair Lending & UDAAP Risk Reviews
CRA Services 
Asset Liability Management Review
Information Systems & Cybersecurity Audits
Trust Operations & Fiduciary Responsibilities
Advisory, Training, and Coaching
 

 

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.

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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 and 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.

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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 and 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.

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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 and 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 and Procedures Review

Review or enhance compliance policies and procedures to align with regulatory expectations and reflect your institution’s practices.

People and Practices. The team is well trained, knowledgeable, experienced, accessible, and demonstraates good communication skills. Fieldwork, deliverables and presentations are first class. Our team at the bank always has good dialogue with Saltmarsh, and we learn something with each engagement.
Piedmont Federal Savings Bank NC

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Get the Most Recent Updates at a Glance

Recent & Upcoming Regulatory Compliance Changes – Quarterly Update

This document includes concise 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

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

Kristen Stogniew, Esq., CFE

Shareholder

Kristen is a shareholder 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

Sarah Oliver, CRCM

Director, Financial Institutions Consulting

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

Teri Rader

Senior Consultant

Teri is a senior consultant in Saltmarsh’s Financial Institution Advisory Group with experience dating back to 1994. She specializes in regulatory compliance, operations, risk assessments, and policy development, and has worked with banks of all sizes—from community to international.

Keith, Jason

Jason Keith, CIA, CISA

Senior Technology Risk Consultant

Jason is a senior technology risk consultant with 18 years of experience in financial institutions. He specializes in technology solutions and has served in roles spanning compliance, lending, operations, audit, and IT leadership.

Moody, Melba

Melba Moody

Senior Consultant

Melba is a senior consultant in Saltmarsh’s Financial Institution Advisory Group with 10 years of retail banking management experience. She provides internal audit and compliance reviews, with a focus on deposit operations, BSA, and AML compliance.

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

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.

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