Six browser-based tools for US bank compliance officers, consumer lenders, and fintech teams: UDAAP risk scoring against CFPB's three-prong framework, Reg E error resolution workflow generation with timeline and provisional credit calculations, Durbin Amendment interchange cap analysis, HMDA reportability determination under Regulation C, BSA/SAR filing adequacy evaluation, and SR 11-7 model risk management gap assessment. CFPB · FinCEN · Federal Reserve · OCC · Dodd-Frank. Client-side. Zero PII.
Follow the compliance workflow below, or jump directly to the tool you need. All tools run in your browser: no account, no data transmission.
Score products and practices against the CFPB's UDAAP framework (Unfair, Deceptive, Abusive Acts or Practices) under Dodd-Frank §1031. Weighted scoring across three dimensions: unfairness, deception, and abusiveness: with risk flags, recommended controls, and priority remediation actions. Dodd-Frank §1031 · CFPB Exam Procedures 2022 · CFPB Abusiveness Policy Statement 2023.
Open ToolGenerate a compliant Reg E error resolution workflow per 12 CFR Part 1005.11. Calculates investigation timelines (10-day standard / 45-day extended / 90-day new-account extension), provisional credit obligations, consumer liability tiers ($50/$500/unlimited), and all required consumer notices. EFTA · Reg E §1005.11 · CFPB Prepaid Rule.
Open ToolDetermine debit card interchange caps under Regulation II (12 CFR Part 235). Checks $10B asset threshold coverage, calculates the $0.21 + 0.05% base cap with $0.01 fraud adjustment, tests dual-network routing compliance (two unaffiliated networks required), and models merchant savings at 1k/5k/10k transaction volumes. Durbin Amendment · Reg II · EFTA §1693o-2.
Open ToolDetermine HMDA reportability under Regulation C (12 CFR Part 1003). Runs both institutional coverage tests (depository $56M asset threshold / nondepository origination volume) and transaction coverage tests, maps all Action Taken codes (1–8), and generates a required LAR data fields checklist. HMDA · Reg C · CFPB 2018 HMDA Rule.
Open ToolEvaluate SAR filing obligation, timeliness, and narrative adequacy per 31 CFR Part 1020. Determines mandatory vs. voluntary filing thresholds by institution type ($2k–$25k), calculates 30/60-day deadlines from detection date, scores narrative completeness on the 5 Ws + How framework, and flags tipping-off risk under 31 U.S.C. §5318(g)(2). BSA · FinCEN · Anti-structuring.
Open ToolScore your MRM framework across 25 questions in 4 domains: Development (30%), Validation (35%), Governance (25%), Inventory (10%): against Federal Reserve SR 11-7 and OCC 2011-12. Five maturity bands (Initial → Optimizing), priority gap list with SR 11-7 section references, and examiner focus areas warning. Fed SR 11-7 · OCC 2011-12 · CCAR SR 15-18.
Open Toolv1.0 · Jun 2026 · 6 Tools · Cat-29 · US Banking & Consumer Regulation
Use T444 to determine if your institution must report a mortgage transaction under Reg C: both institutional coverage and transaction-level tests. Run T445 to verify SAR filing thresholds, calculate deadlines from detection, and score narrative adequacy before submission to FinCEN.
Use T451 to benchmark your MRM program against Fed SR 11-7 / OCC 2011-12 across 25 questions in four domains. Identify examiner focus areas before the next safety and soundness review.
Use T441 to run structured UDAAP risk reviews on new products before launch. Use T444 to verify HMDA reporting scope when onboarding new mortgage product lines. Use T445 to evaluate SAR narrative quality ahead of FinCEN submission.
Use T442 to generate defensible Reg E dispute resolution workflows with exact timeline and provisional credit obligations. Use T441 to proactively identify Abusiveness Policy Statement 2023 exposures before CFPB exam.
Use T443 to model the full impact of Durbin interchange caps including fraud adjustment and dual-network routing compliance. Ideal for card program managers at institutions approaching the $10B asset threshold.
Use T451 to perform a self-assessment of your Model Risk Management framework against SR 11-7 / OCC 2011-12 / CCAR SR 15-18. Prioritize remediation before the next Federal Reserve or OCC examination cycle.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
T441 implements the three-part UDAAP test per CFPB Exam Procedures 2022 and the CFPB Abusiveness Policy Statement 2023. Weighted scoring outputs priority remediation actions.
T442 applies §1005.11 error resolution timelines and provisional credit thresholds. Covers standard (10-day), extended (45-day), and new-account (90-day) investigations, plus the CFPB Prepaid Rule.
T443 implements the Fed's $0.21 + 0.05% interchange cap and $0.01 fraud adjustment, $10B asset threshold test, and dual-network routing requirement per EFTA §1693o-2.
T444 runs both institutional coverage tests (2018 HMDA Rule thresholds) and all transaction coverage tests, mapping Action Taken codes 1–8 and required LAR fields.
T445 applies FinCEN filing thresholds by institution type ($2k–$25k), calculates 30-day initial and 60-day extended filing deadlines, and scores narrative completeness against FinCEN's 5 Ws + How standard.
T451 implements the Federal Reserve's SR 11-7 and OCC Bulletin 2011-12 Model Risk Management guidance across Development, Validation, Governance, and Inventory domains. Cross-references CCAR SR 15-18.
The tools above also compose into OpenChainGraph chains that walk the same steps in one guided session and export an audit trail.