Regulatory Health Check
Know exactly where you stand before the bank's BSA officer asks. Ten business days to a complete compliance gap assessment with a prioritized remediation roadmap. Built for pre-Series A fintechs preparing for a sponsor bank conversation or first regulatory examination.
A focused, fixed-scope assessment. No retainer. No surprise costs. Health Check fee credits in full toward the first month of a Fractional Compliance Retainer if you elect to continue.
Book a Discovery CallWhat Is Included
-
BSA/AML program gap assessment
Structured review of your written program, risk assessment, customer identification procedures, and OFAC screening against OCC and FDIC examination expectations.
-
Consumer protection review (UDAAP, ECOA, Reg E, Reg Z)
Disclosure review, marketing copy assessment, dispute and error resolution procedures, fair lending posture review. Calibrated to current CFPB enforcement priorities.
-
Third-party risk management assessment
Vendor inventory review, due diligence documentation review, contract clause review against OCC and Federal Reserve third-party risk guidance.
-
Policy and procedure inventory review
Identification of missing policies, outdated procedures, and structural gaps that would surface in a sponsor bank due diligence review.
-
Data privacy and GLBA Safeguards Rule gap review
Information security program review, vendor data handling assessment, and incident response readiness check against the current Safeguards Rule.
-
Bank partnership readiness gap summary
A concise readout of what a sponsor bank's BSA officer will flag, what they will accept, and what needs to change before the next conversation.
-
Written findings report with prioritized remediation roadmap
Severity-ranked findings, remediation owners, and timeline guidance. The report is the artifact you hand to your CEO, board, or sponsor bank.
-
60-minute delivery debrief call
Walk through the findings, prioritize the roadmap, and identify which gaps you can close internally versus which warrant additional engagement support.
Who This Is For
- Pre-Series A fintech founders who have never had a formal compliance assessment
- Fintechs approaching a new sponsor bank relationship or BaaS program agreement
- Teams that failed, or nearly failed, a prior bank due diligence review and want to understand why
- Community banks and credit unions evaluating an existing fintech partnership before renewal
How It Works
- 01Intake call (60 minutes)
Walk through your business model, current bank relationships or pipeline, current compliance team and program, and specific deadlines driving the engagement.
- 02Document review (days 2 to 5)
Structured review of every policy, procedure, risk assessment, vendor file, and prior examination correspondence you provide. Secure document sharing.
- 03Structured assessment and report drafting (days 6 to 9)
Findings tabulation against the assessment framework, prioritization, and report drafting. One round of clarifying questions if anything is unclear.
- 04Delivery and debrief (day 10)
Written report delivered. 60-minute call to walk findings, agree priorities, and outline next steps.
Get Your Compliance Baseline
10 days to a clear picture of where you stand and what needs to change before your bank partner asks first.
Start with a Health CheckNot legal advice. Clients requiring legal counsel are referred to qualified fintech attorneys.