Wolters Kluwer Financial Services

2015 Regulatory & Risk Management Indicator
2015 Regulatory & Risk Management Indicator

The new Home Mortgage Disclosure Act (HMDA) data collection rules have been finalized, and U.S. lenders face yet another significant challenge. Wolters Kluwer's annual “Regulatory & Risk Management Indicator” survey of banks highlights some of lender’s greatest concerns regarding the new HMDA rules. 


Partner Contact: Matt Haupert

NAFCU Member-only Benefits

All NAFCU members receive 1st year license fee discounts of 10% on consumer and member business lending and deposit electronic solutions and 5% on consumer and member business paper lending and deposit documents.

Why do so many credit unions place their trust in Wolters Kluwer Financial Services?

 Your credit union can save time and money with a trusted provider that understands your compliance, management, and business needs. These are just some of the benefits you gain when you work with us for your compliance and workflow needs:

  • The experience that’s been accumulated from working with thousands of regulatory changes each year
  • Solutions and web sites that are recommended by industry associations and consultants
  • A keen focus on compliance—so you can spend more time on other important aspects of your business
  • A strong, stable environment from which we can establish long-lasting business relations
  • Regulatory monitoring of federal and related state laws
  • An industry-leading product warran
  • Some of the best technical service and support in the industry
  • Professional training—we train over 12,000 financial professionals annually across the U.S.
  • Alerts whenever mandatory changes affect your Wolters Kluwer Financial Services products
  • End-to-end support for consumer and member business deposit and lending transactions


ComplianceOne helps credit unions comply with the unique documentation requirements tied to consumer and business-related lending and deposit transactions. The solution provides access to a wide range of lending and deposit-related functionalities, allowing credit unions to choose and activate the ones they need, when they need them. Some of the more in-demand functionalities include dynamic documents, imaging, e-signatures, bar-coding and credit bureau access. Offering credit unions enterprise-wide access to member information, ComplianceOne also allows credit union staff to open new loans and accounts and complete transactions quickly through the solution's common database structure. For more information on ComplianceOne, click here.

ARTA® Lending Documentation System – Simple, easy-to-use software that can help you get started in consumer and business lending, as well as support your agricultural and residential real estate loans using one documentation platform.

TSoftPlus™ Small Business Administration (SBA) lending solution – Originate SBA loans more rapidly and efficiently while meeting all SBA program guidelines and regulatory requirements. Learn more at www.wolterskluwerFS.com/TSoftPlus.

Paper documents
Consumer Deposit and Lending Paper Documents to include:

  • Account agreements
  • Applications and authorizations
  • Account maintenance documents/notices
  • Electronic Program Brochures
  • Account Disclosures (AIBs, ASKs, Privacy, TIS, Funds Availability, ETM, Affiliate Marketing, C21)
  • Certificate of Deposit
  • Safe Deposit Products
  • Customer Education Brochures
  • Consumer Loan Agreements/Applications/Notices
  • Customer Notification/Education/awareness
  • Disclosures and Ancillary Documents

Commercial Deposit and Lending Paper Documents to include:

  • Commercial/agricultural lending applications
  • Notes and security agreements
  • Business account agreements
  • Business deposit disclosures
  • Business debit card brochures
  • Wire/Funds transfer forms
  • Night depository agreements
  • Lockbox agreements
  • Resolution of authority forms

Click here to view lending sample documents and click here to view deposit sample documents.

If interested in learning more about any of these products and services, contact Wolters Kluwer Financial Services.

Downloadable Brochures

Educational Resources

  •  Wolters Kluwer Credit Union Update (April 2015)

    For TILA-RESPA changes, our experts have identified over 400 regulatory citation changes that impact credit unions’ documents, processes, policies and procedures in order to meet requirements (see TILA RESPA Resource Center). Our proactive approach not only helps ensure that credit unions will be in compliance, but are positioned to make the right decisions with confidence so they can focus on growing their businesses safely and profitably. 

  •  Wolters Kluwer Credit Union Update (May 2014)
    In this month's update, you will find TILA/RESPA Integrated Disclosure Rule Implementation Challenges, Peer-to-Peer Lending…What Financial Institutions Can Learn, Distributions: Federal Income Tax Withholding…Notification and Election, Remittance and Reporting, and Penalties, The Regulation Z “Filing Fees” Disclosure.
  •  Wolters Kluwer Credit Union Update (April 2014)
    In this month's update, you will find A Refresher on the Servicemembers’ Civil Relief Act…And Changes Expected Down the Road; Flood Insurance Availability Act; Wolters Kluwer Financial Services User Summit, September 15–17, Orlando, FL; How Healthy are your Flood Files; Qualified Mortgage/Ability to Repay Compliance; IRA Spring and Summer Live Streaming Seminar Tour.
  •  Wolters Kluwer Credit Union Update (March 2014)
    In this recorded webinar, Wolters Kluwer Financial Services attorneys work through the compliance calendar highlighting the status of current proposed and final regulations with information about compliance changes and mandatory effective dates.
  •  Wolters Kluwer Credit Union Update (February 2014)
    What’s on the Horizon in Compliance? In this recorded webinar, Wolters Kluwer Financial Services attorneys work through the compliance calendar highlighting the status of current proposed and final regulations with information about compliance changes and mandatory effective dates.
  •  What’s in store for 2014? Wolters Kluwer Financial Services Looks Ahead (Blog Post)

    For a look at what lies ahead in 2014 for credit unions, we turned to the Preferred Partner experts. Here is what Lisa Fraga, VP and GM of Banking Solutions, Wolters Kluwer Financial Services had to say.
  •  Wolters Kluwer Credit Union Update (October 2013)

    Inside this issue: What’s On the Horizon in Compliance? – Our Quarterly Look Ahead; What Lenders Need to Know About Qualified Mortgage/Ability to Repay and Qualified Residential Mortgage; Changes to Servicing Documents under TILA/Reg Z; An Introduction to Loss Mitigation; When An IRA Owner Passes Away - What’s Next? : QM/ATR Tool Kit.

  •  Wolters Kluwer Credit Union Newsletter - July 2013

    Inside this issue: Compliance tips and checklists for credit unions, including Managing Compliance in an Increasingly Competitve Market Articles, Ability to Repay/QM Update, and Fair Lending Checklist for Lenders

  •  Wolters Kluwer Credit Union May 2013 Newsletter
    Stay informed on the latest changes with a few free resources. Learn about Wolters Kluwer's regulatory update webinar and mortgage compliance resources in this newsletter. Sign up for this monthly newsletter as well.
  •  Wolters Kluwer Credit Union January 2013 Newsletter
    Credit unions, in this newsletter, learn about all the content Wolters Kluwer developed in 2012 including recorded webinars, whitepapers, and case studies. Topics covered include: compliance management, charting the federal legislative and regulatory course, CFPB impact, and more.
  •  Wolters Kluwer Credit Union October 2012 Newsletter
    Credit unions, in this newsletter, learn about upcoming webinars from Wolters Kluwer, read articles from Wolters Kluwer, and browse case studies.

View All Educational Resources



Matt Haupert