Regulatory Compliance

31 Regulatory Compliance assets found.

  • Webinar: Keeping pace with collections compliance changes
    Webinar Published Date: May 24, 2021

    The implementation date of the CFPB’s final debt collection rule is quickly approaching. To successfully adhere, while still maximizing dollars collected, learn how debt collectors can adapt their current strategies to meet the new ways consumers want to be served in this webinar.

  • Join us for the latest updates around regulatory issues, data reporting and trends as they relate to COVID-19 and the continuing accommodation period.

  • Webinar: Post-election regulatory update
    Webinar Published Date: Dec 9, 2020

    The 2020 presidential race, divided government and the latest developments on state legislature – there is a lot to talk about in the regulatory world these days. Join Tony Hadley, SVP, Government and Regulatory Affairs, and our expert panel as they dive into legislative and regulatory trends in the context of the recent election, including insights into privacy, the CFPB and more.

    Topics discussed:

    • CFPB priorities and rulemaking
    • On-going potential for COVID-19 bills
    • State-level initiatives around privacy and CARES Act-related limits
  • Preparing for CECL and beyond
    Document Published Date: Oct 28, 2019

    It’s time to close the CECL readiness gap. Current expected credit loss, or CECL, will effect the biggest change in accounting standards in a generation. Lenders must be able to show that, in the event of a financial crisis, their books will prove to be in good shape.

    This white paper will help during your CECL implementation project and beyond.

  • Collections After Compliance
    Document Published Date: Aug 1, 2019

    The collections industry has undergone major transformations over the past decade.

    In 2010, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), producing the most reform to financial regulation since the Great Depression and authorizing the creation of the Consumer Financial Protection Bureau (CFPB), a regulatory agency charged with overseeing financial products and services offered to consumers.

    The collections landscape has since continued to evolve, with consumers beginning to make a dramatic shift in how they interact with their financial service providers, moving away from phone and mail, and communicating online instead. Debt collection departments and agencies, large and small, have adopted new technologies to ensure that they comply with consumer demands and changing regulations. But challenges remain in the fast-moving regulatory landscape.

  • This on-demand webinar will help you tackle some of the lingering uncertainties around the FinCEN Final Rule.

  • When you report consumer information to the credit bureaus, accuracy matters. That’s why the Consumer Data Industry Association (CDIA) created the Metro 2® data format for consumer credit information. To help data furnishers adhere to Metro 2® reporting requirements, we developed DataArc 360™.

    This solution combines our innovative data management platform, Experian Pandora, with our trusted expertise in credit reporting. With DataArc 360™, you get our most powerful data discovery, transformation, and monitoring capabilities together with more than 115 pre-configured Metro 2® rules built in. This means that you can assess data files for a range of metrics and gain instant visibility into the quality of your consumer data files, enabling you to resolve errors before they become disputes.

    Read more about how we can help you comply with financial regulations.

  • Financial institutions strive to simultaneously combine the essential resources, such as data, analytics, and software along with industry best practices, to meet their customers’ needs. They want to find ways to appeal to the ever-increasing expectations of their clients. And with pressure from regulators, they need the ability to build compliance into processes, data collections, and analytics. In short, businesses need smarter solutions that combine the elements not always readily available, or easily implemented through in-house solutions.

    Prescriptive Solutions take predictive analytics a step further by bringing data and analytics together with software and expert guidance to create a flexible solution that is optimized to address specific needs or use cases.

  • Telephone Consumer Protection Act Q&A
    Document Published Date: Sep 30, 2016

    Telephone Consumer Protection Act (TCPA) litigation continues to be a risk for companies that communicate with consumers. In this Q&A, Expert Michael Goodman will help you understand the latest happenings with the TCPA so you can minimize your exposure.

  • Video: TCPA Solutions to Help You Mitigate Risk
    Video Uploaded Date: Sep 14, 2016

    We’ve all read the TCPA headlines and stories about fines and litigation. The Telephone Consumer Protection Act can feel overwhelming if you’re a business. Watch this video to learn how you can ease the risks of TCPA violations with two Experian solutions: Phone Number ID and Contact Monitor.

  • Military Lending Act FAQs
    Document Published Date: Sep 6, 2016

    The Military Lending Act provides service members and their dependents with specific protections for their "consumer credit" transactions. Read our latest FAQ for answers to your top MLA questions and compliance solutions for lenders.

  • Data Reporting FAQs
    Document Published Date: Aug 19, 2016

    Data furnishers are facing ever-increasing regulations when it comes to reporting consumer credit histories to the credit bureaus. Read our latest FAQ for answers to your top data reporting questions.

  • To promote transparency and aid in model governance, VantageScore Solutions publishes validations results annually, along with updated odds/performance charts. This paper highlights the most recent validation results and also presents insights gleaned from a decade of credit score model performance validations.

  • SCRA Summary and Solutions
    Document Published Date: May 1, 2016

    Learn how Servicemembers Civil Relief Act (SCRA) protects servicemembers and the compliance solutions available to lenders.

  • Must Know Details About the Military Lending Act
    Document Published Date: May 1, 2016

    Are you aware of the latest enhancements to the Military Lending Act? The Department of Defense passed a Final Rule in July 2015, and all lenders must get compliant by October 2016. Read our free paper on the actions you must take to get compliant and avoid costly fines.

  • Business Case for Fraud Prevention Compliance Requirements
    Document Published Date: Mar 22, 2016

    Justifying financial investment for compliance and fraud prevention technology is challenging. Understanding the benefits of such a robust program that supports both risk mitigation and the customer experience is essential to building the business case for fraud prevention.

  • Calling your consumers - even once - means you must also adhere to the regulations established by the Telephone Consumer Protection Act (TCPA). Failure to follow the rules can result in per instance fines as high as $1,500. Our two-page paper outlines the details you must know about TCPA, as well as strategies to set up a compliance process and manage accounts.

  • The Federal Communications Commission (FCC) recently provided additional clarity around the regulations you need to follow to stay compliant with the Telephone Consumer Protection Act (TCPA). Download our checklist to see how your business measures up and identify gaps in your right-party contact call strategy.

  • How Are You Achieving Data Accuracy?
    Document Published Date: Nov 30, 2015

    Are you prepared to address pressures from cosnumers and regulatory agencies? Have you prepared for the future examinations from the Consumer Financial Protection Bureau (CFPB)? Do you perform ongoing data audits? Download the full Data Accuracy Checklist.

  • Loss Forecasting: Evolution of the Regulation (video)
    Video Uploaded Date: Aug 18, 2015
    Meeting regulatory requirements can feel like a moving target. Evolving and demanding regulatory requirements for stress testing continue to be a challenge Meeting complex regulatory requirements is proving to be an ongoing challenge. Banks are struggling to understand what regulators are looking for in the required annual stress tests, and the regulation continues to evolve¿from new submission dates to redefined capital requirements. Additionally, forecast methodology and capital plan submissions that were previously accepted by regulators may not be accepted in the future. As regulatory scrutiny continues to increase, it is imperative for banks to produce a comprehensive view of loss projections prior to submitting capital plans to the Federal Reserve.
  • Loss Forecasting: Investor Perspective (video)
    Video Uploaded Date: Aug 18, 2015
    Capital-adequacy positions are becoming crucial in analyst recommendations. Can you afford to have the investment community view your stock unfavorably? Banks rely heavily on the stock market for capital to grow their business. Under-capitalization can significantly impact how investors and fund managers view a bank¿s stock, which can result in limited access to market-based capital and hinder growth. Recent news about increasing Tier 1 capital requirements for the largest banks has piqued the interest of the investment community. Empower your organization, increase investor trust and confidently submit capital plans to the regulators with an advanced approach to loss forecasting.
  • Loss Forecasting: Modeling Methodology (video)
    Video Uploaded Date: Aug 18, 2015

    Effective loss forecasting is essential to capital adequacy planning. Is your approach accurately forecasting potential losses? The position of a bank's capital adequacy is directly tied to accurate loss forecasting. Adopting the most robust modeling methodology to forecast losses is a critical element to capital planning efforts. Loss-forecasting modeling has proven to be an extremely complex and resource-intensive process. Given the multitude of potential data sources and various methodologies, how do you know if you're using the most accurate model for your business? Favored by regulators in recent years, Experian's modeling approach has been shown to produce more accurate forecasts over other commonly used methodologies.

  • Improving risk management and regulatory compliance
    Document Published Date: Apr 13, 2015
    A globally diversified financial services company was able to manage risk more effectively, while satisfying regulatory compliance requirements
  • Complying with regulations using Loss Forecasting Models
    Document Published Date: Apr 1, 2015
    Experian's consultants helped a large U.S. consumer and commercial bank identify it's immediate compliance needs and provided consulting, analytics, and documentation support for the bank's loss-forecasting models.
  • Experian consultants assisted a leading international bank with developing and documenting probability of default (PD) models to meet Basel II requirements
  • View this on-demand webinar featuring industry-leading experts Tony Hadley and Carmen Hearn from Experian® and learn how reporting quality account data benefits you and your customers and satisfies your regulatory obligations.

  • Experian consultants provided rich data, extensive Basel expertise, and analytics to help the one of the Top 10 banks in the US meet its Basel II regulatory requirements
  • Learn how to minimize time and resources required to guarantee ongoing regulatory compliance, determine which consumers should receive a Risk-Based Pricing Notice, improve customer retention efforts via dedicated dispute resolution and consumer education services, and learn how Experian products can help you comply with the Risk-Based Pricing Rule.