Our Services
Regulatory Compliance
Our experts assist banks and financial institutions in successfully managing compliance risk. Whether consulting on specific regulatory requirements, conducting a comprehensive review of your compliance program, or performing targeted assessments, we provide tailored solutions to address your unique needs.
Internal Audit
Our experienced internal audit consultants will execute all or a portion of your operational or compliance internal audit plan, develop the audit function, conduct a firm-wide risk assessment, or develop a risk-based internal audit plan.
Fair & Responsible Lending
Managing fair lending risk from loan application through servicing requires defined procedures, focus and vigilance. Data integrity management and analysis add to the risk management challenge. CrossCheck provides consulting solutions and internal audit services to assist with fair lending risk management. Read our HMDA Hub
Due Diligence
Since the formation of the firm in 2008, CrossCheck Compliance has provided due diligence and loan review services to clients nationwide. Our due diligence services include portfolio acquisitions and rated securitizations. CrossCheck’s reviews of residential, commercial, and consumer loans have been used to support whole loan sales to private investors, purchases and acquisitions, servicing portfolios, non-performing loan audits, repurchase defense, quality assurance, and litigation support.
Loan Review
The requirements of regulators and investors require that lenders have the right processes and procedures in place to mitigate all types of risk including credit, regulatory, and reputational risks. Our experienced team helps our clients identify and better understand the risk inherent in residential loans, other consumer loan products and commercial loans.
Litigation Support
CrossCheck provides litigation support and expert testimony on a variety of issues surrounding mortgage lending, mortgage servicing, and regulatory compliance. Our expert reports and testimony have addressed conformance to underwriting standards in mortgage-backed securities, repurchases, loan modifications, and alleged predatory lending. Our executive team’s deep experience and day-to-day involvement in the issues facing financial institutions allow us to provide the most credible expert testimony.
Our Clients
We partner with all the following types of clients:
CrossCheck Resource Center
Articles
Regulation E Back to Basics : Procedures for Resolving Errors
Electronic fund transfers (EFTs) play a critical role in how consumers manage and move their money and it is important for financial institutions to have a solid process in place for resolving EFT errors. In his latest column for the May/June 2025 ABA Risk and Compliance Magazine on Regulation E, “Procedures for Resolving Errors,” John Pace breaks down the key requirements under Section 1005.11 and offers practical considerations for building an effective error resolution program. From defining what constitutes an error to meeting investigation timelines and managing provisional credit, this article is a must-read for compliance and operations professionals looking to strengthen their approach and stay aligned with regulatory expectations.
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FCRA Fundamentals – Requirements for Furnishing Accurate Information to Consumer Reporting Agencies (CRAs)
Jim Treacy’s column in the March/April issue of ABA Risk and Compliance Magazine, “Requirements for Furnishing Accurate Information to Consumer Reporting Agencies”, provides insights for financial institutions on ensuring compliance with Fair Credit Reporting Act (FCRA) requirements. Jim outlines key responsibilities for furnishers of consumer credit information, such as providing accurate reporting, investigating disputes, and investigating and resolving discrepancies. Implementing strong policies and procedures is crucial to avoid compliance pitfalls. Don’t miss this informative piece—read the full article to stay ahead of FCRA obligations and best practices.
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FCRA Fundamentals – Disclosure of Credit Scores and Risk-Based Pricing
The January/February 2025 issue of ABA Risk and Compliance includes a column by Tracey Levandoski titled “Disclosure of Credit Scores and Risk-Based Pricing”, part of the Fair Credit Reporting Act (FCRA) Fundamentals series. Tracey delves into FCRA requirements for financial institutions that use credit scores in mortgage loan evaluations or set consumer credit terms based on consumer reports. Tracey also covers exceptions to risk-based pricing notices, alternative disclosures options, and key compliance considerations to ensure adherence to FCRA requirements.
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FCRA Fundamentals – Adverse Action Disclosures and the Intersection with ECOA
The November/December 2024 issue of ABA Risk and Compliance includes a column by Jim Treacy titled “Adverse Action Disclosures and the Intersection with ECOA.” Jim highlights Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA) requirements for adverse action notices in credit decisions, as both regulations are often applied together. The column also notes CFPB guidance on using AI for credit decisions. Read on to learn practical steps for aligning your adverse action notices with FCRA and ECOA requirements.
Read MoreFCRA Fundamentals – Consumer Alerts and Identity Theft
This column by John Pace, CRCM in the ABA Risk and Compliance September/October 2024 issue covers the fundamentals of the Fair Credit Reporting Act (FCRA) focusing on identity theft presenting an escalating threat to both consumers and financial institutions (FIs). The FCRA requires FIs to establish a robust Identity Theft Prevention Program (ITPP) to identify, detect, and respond to red flags, such as unusual account activity or alerts from credit reporting agencies. Proactive measures like placing fraud alerts or credit freezes can help consumers safeguard their credit information and mitigate the risks of identity theft. Read the article to learn more about how to protect your institution and customers.
Read MoreSpeaking Engagements
- Bank Administration Institute (BAI) Webinar – Addressing Regulatory Change Management and its Impact on Policies and Procedures
- American Bar Association (ABA) – 2025 Consumer Financial Services Committee Meeting
- Central Florida Compliance Association (CFCA) 2025 Annual Conference
- California MBA – 2024 MBA Legal Issues and Regulatory Compliance Conference
- Chicagoland Compliance Association (CCA) – Let’s See Now, an Update on Reg C and Reg CC – a Primer on HMDA and Expedited Funds Availability Webinar
Courses and Guides
- ABA 34th Edition of the Reference Guide to Regulatory Compliance
- ABA 33rd Edition of the Reference Guide to Regulatory Compliance
- MBA Course – Managing Consumer Complaints for Compliance Professionals
- MBA HMDA Courses Available – MBA’s CMCP Curriculum
- ABA Reference Guide to Flood Compliance – 1st Edition
Announcements
- CrossCheck General Counsel Appointed as Co-Chair of the Corporate Counsel Committee of American Bar Association’s Business Law Section
- CrossCheck Compliance LLC Strategic Alliance with Gate House Compliance
- CrossCheck Compliance LLC Added to DBRS Morningstar List
- CrossCheck Compliance LLC Announces New Partners
- CrossCheck Compliance Added to Fitch List of Third-Party Review (TPR) Firms
