I just went to a compliance conference in Des Moines Iowa and there are four areas required by regulators, they are; Bank Secrecy Act, Reg CC, Security Procedures, and Privacy. Strongly Recommended by regulators are; CRA and Fair Lending. Regulatory Recommended are; Truth in Lending (Reg Z), RESPA, Flood Determination, Fair Credit Reporting Act, Right to Financial Privacy, HMDA, Electronic Funds Transfer Act (Reg E), Truth in Savings (Reg DD) and Reserve Requirements (Reg D). Hope this helps!!