Our whole state is a HIFCA, and no we do not monitor every account. We do include that statement in our risk assessment so that the Board and Management are aware that we are in a HIFCA and the risk is substantially higher because of that. We just make sure we are on top of our high risk customers.
As for the HIDTA, we are about 25 miles from a county that is a HIDTA. We don't have many accounts in that area and for those that we do, some are considered high risk and others not (for other reasons, not because they are in a HIDTA). Again, we note this in our risk assessment.
The regulators have not said anything negative about this in years past.
_________________________
My opinion is mine only- not my employer's!