COMPLIANCE has taken on new meaning – Not only do institutions have to be compliant to regulatory directives but today regulators are mandating that institutions enforce internal regulatory compliance policies consistently over the lending spectrum. This requires the mechanisms to detect, enforce and manage Regulations, Policies, Stipulations, Limits and Guidelines.

Internal Compliancy Management Policies

Guidelines & Regulatory Compliance Rules

  • Role Permissions and Authorities
  • Automated / Rules Based Policy Violation Identification
  • Automated / Rules Based Stip Generation
  • Controlled Contract Funding Values to Approval Criteria Tolerances

Exceptions Management

  • Severity Level Assignment to Policy Violations and Stipulations
  • Finely Tuned Lending and Exception Override Limits
  • User Override Tracking and Reporting
  • Approve and Fund with Exceptions
  • Roles Based Exception Authorization Levels
  • Historical Monitoring for Exceptions and Overrides

Data Warehousing and Portfolio Analytics

Historical Analysis – Stipulation Tracking, Fee Tracking, Exceptions Reporting, Portfolio Performance

User Friendly Compliance Audit Log to research, track, view, and print modification details

  • Administrative Level Audit
  • Application Level Audit

Compliant Documentation

  • Integrates to documentation providers for full documentation compliance
  • Access to Internally Prepared Forms with System Data Mapping

Calculations & Regulation Z Compliancy

TCI regulatory compliance integrates Carleton & Associates’ financial calculation engine to offer the most robust, compliant calculations in the market for consumer loan structures including:

  • Regulation Z enforcement for
  • State Maximums by Loan Type, Term, etc.
  • Tolerance enforcement for:

– Amount Financed
– Payment Calculations
– Odd Days
– Final and Balloon payments calculations
– Fee Validations
– Includes all 50 states and territories


  • OFAC Alerts
  • SSN Validations
  • SSN Variances