Blog | Capco Finance Regulatory and Compliance Solutions

Finance Charges Included or Not? The NCUA’s Interest Rate Ceiling

Posted on March 01, 2023

In conventional Truth in Lending(TILA)/Regulation Z compliance, the interest is one of several finance charges making up the larger “Finance Charge.” These “smaller” finance charges are the various fees charged for borrowing money, and taken together, tally up to the Finance Charge, which is defined as the cost of credit expressed as a dollar amount...

Qualified Mortgages - What is the benefit?

Posted on February 15, 2023

Is there still a benefit to offering Qualified Mortgages? Read below to see our thoughts.

Everything you wanted to know about the Right of Rescission, but were afraid to ask…

Posted on February 02, 2023

A Guide to Rebooting Your Virtual Compliance Training Program

Posted on January 19, 2023

It appears that virtual training is here to stay and now may be the time to consider rebooting or refreshing your compliance training program.

Components of a Strong Complaint Management Program

Posted on January 05, 2023

Every year financial institutions lose thousands of dollars due to mishandled complaints. Yeah, we need to fix that.

Regulation Silence…Finding Answers to Ensure Flood Compliance

Posted on December 15, 2022

Maintaining flood compliance can be complex and a challenge for financial institutions. Consider partnering with trusted third-parties to assist in your compliance and audit efforts.

A banker’s guide to drafting strong policies and procedures

Posted on December 01, 2022

Writing policies and procedures that are accurate, brief, and user-friendly is perhaps one of the most daunting challenges in compliance. In this article, we set out simple guidelines to make the task approachable and attainable.