This year we are changing our audit procedures from full blown affiliate audits to auditing by Regulation (OCC is happy). We also changed our auditing formats to coincide with CFPB's exam manual, or if the CFPB hasn't gobbled up a specific reg yet, we go with the exam manual from the agency that owns the reg. It's tough getting used to something different, but none the less, examiners will be happy (hopefully). We got rid of Sheshnoff a couple of years ago.