Exam Preparation
Trust Exam Preparation for Consumer Lenders
Trust examinations evaluate your fiduciary practices, account administration, and investment management. Canarie helps you maintain evidence of compliant trust operations throughout the examination cycle. Specifically tailored for the unique examination requirements facing consumer lenders.
Consumer Lenders Exam Preparation Challenges
Multi-jurisdictional requirements
Consumer protection scrutiny
State rate and fee limitations
Fair lending requirements
CFPB oversight
Examining Agencies
OCCFDICState banking regulators
Exam Frequency
Annual or every 18 months
Preparation Steps for Consumer Lenders
1
Review trust policies and procedures2
Compile account administration evidence3
Document investment review activities4
Gather fee disclosure documentation5
Prepare conflict of interest reviews6
Document fiduciary decision-making7
Compile trust committee minutesEvidence Examiners Expect
Trust policies and procedures
Account acceptance documentation
Investment review records
Fee calculation and disclosure
Conflict of interest documentation
Trust committee meeting minutes
Exception and override tracking
Related Compliance Areas for Consumer Lenders
TILA/Reg ZECOA/Reg BFCRAUDAAPState-specific requirements
Frequently Asked Questions
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Transform Trust Exam Preparation for Your Consumer Lender
See how consumer lenders prepare for examinations in days, not weeks.