anyone with recent experience with the nys consumer compliance examination format? ours is upcoming, just wondering about their current "hot buttons" (areas they are "emphasizing"). thanks.

I recently went through a consumer compliance exam. They were very interested in fair lending issues. They pulled over 150 real estate (mortgage / HELOC) loan files. Looking at terms and conditions. Had to explain all issues they found with the files. Other than the time involved the exam went well.
I completed a 20 page control work book that requested information about the banks general compliance with all the regulations.
Background: Asset size: 175 million, 7 Branch offices, Stock Savings Bank.

How long did the exam last & how many examiners participated?

OCSB compliance exam had 1 examiner for about 1 month. The CRA exam was offsite and completed by 2 examiners in 6 weeks.