RiskExec

05/26/2026

The Community Reinvestment Act (CRA) is more than a compliance checkbox. It reflects how financial institutions demonstrate a genuine commitment to low- and moderate-income communities, and how regulators measure that commitment in practice.

Our latest guide gives CRA and compliance leaders a practical breakdown of what drives exam outcomes: assessment areas, community development activities, lending and investment performance, and the data governance that ties it all together.

The institutions that perform well are not simply the ones that do the most. They are the ones that can clearly connect their activities to documented local needs and articulate that impact in a way regulators can follow.

Read the full guide here: https://riskexec.com/blogs/community-reinvestment-act-cra-guide/

A comprehensive, definition-led guide to the Community Reinvestment Act, including scope, exams, performance tests, and practical CRA compliance considerations.

05/17/2026

"January 1, 2027 is the real deadline, not 2029. Institutions need a full year of clean data before they can submit anything. The time to set up your system is now, and RiskExec is ready to support that." -- Anurag Agarwal

The CFPB finalized revisions to Section 1071 this month, narrowing the rule's scope and establishing a uniform compliance timeline.

Here's what changed:

➡️ Reporting threshold raised to 1,000 originations
➡️ "Small business" definition narrowed to $1M in annual gross revenue
➡️ Fewer required data fields
➡️ Data collection begins January 1, 2028

The revisions reduce the reporting burden for some lenders. They do not eliminate the need to prepare now.

The CFPB proposed revisions to Section 1071 to refine small business lending data collection under Regulation B. Click to learn more.

12/18/2025

January 1, 2028.

That date sounds like a lifetime away, doesn't it? But if you work in compliance, you know Jan 1st will be here in no time.

The new Section 1071 proposal offers a single, unified compliance date for all reporters, eliminating the tiered rollout that caused so much confusion previously. This is good news for simplicity, but it also creates a false sense of security for institutions.

In RiskExec's latest webinar, Sarah Brons and Jesse Taylor reminded us that even with this extended 1071 runway, you cannot afford to stop moving ahead. Institutions that pause their 1071 programs entirely often find it twice as hard to restart.

Our recommendation? Use this time to refine.

Update your implementation roadmaps.

Document your assumptions.

Test your systems with data requirements.

Don't let the new date lull you into inaction. Watch this 25 minute webinar to learn ways to approach proposed 1071 changes.

12/09/2025

Regulatory expectations never stand still, and the shifting pendulum of enforcement continues to challenge compliance teams across Fair Lending, HMDA, and CRA.

Many institutions relax during quieter periods. The problem is that the pendulum always swings back. Teams that pause or deprioritize compliance often find themselves scrambling when expectations shift.

Our new article, Navigating the Regulatory Pendulum, explains how to stay grounded through these changes.

Key takeaways:
• Anchor programs in statutory requirements
• Maintain complete and consistent documentation
• Strengthen exam readiness with centralized data

Read the full article:
https://na2.hubs.ly/H02sJsx0

How banks can “tack to the middle” through shifting enforcement priorities. Guidance from RiskExec Connect with Erik Pieczkowski and Andy Sandler.

11/21/2025

At RiskExec Connect 2025, compliance leaders from Synovus and Central Bank shared how they transformed compliance from a manual review process into a modern, data-driven function that powers strategy and growth.

In this new blog, they explain how automation and analytics:
• Cut review cycles from weeks to days
• Strengthen data accuracy and audit readiness
• Free compliance teams to focus on insight and strategy
• Build confidence with management and regulators

👉 Learn how leading institutions are using RiskExec to turn compliance data into business intelligence that drives measurable ROI.

🔗 Read the full story: https://na2.hubs.ly/H028P030

11/19/2025

RiskExec is thrilled to be sponsoring the Iowa Bankers Association 2025 Compliance Conference this week in Des Moines, Iowa. Swing by our booth to learn how we can help your bank take charge of compliance with confidence in 2026.

11/13/2025

👏 The RiskExec Team has done it again! The FFIEC released the 2024 Community Reinvestment Act (CRA) Peer Data. Our client-obsessed team has downloaded, converted and reviewed the data. Less than four hours after being released by agencies, it became available for immediate use in RiskExec. The data set consists of submissions from 731 lenders who reported data about originations and purchases of small loans to businesses and farms.

Learn more: https://na2.hubs.ly/H023cJY0

11/11/2025

RiskExec Connect 2025 is now available on demand! 📽️

Access every session from this year’s event and gain insights from industry leaders on how to strengthen compliance programs, stay ahead of enforcement trends, and prepare for upcoming HMDA and CRA submission deadlines.

Gain expert insights from:
• Erik Pieczkowski, CEO, RiskExec, and Andy Sandler, CEO & Chairman, Temerity Partners
• Dr. Anurag Agarwal, President & Founder, RiskExec, and Dr. Marsha Courchane, VP, Charles River Associates
• Rob and Robbie Chrisman, The Chrisman Commentary, with Sarah Brons, RiskExec
• Dan Matthews, Synovus Bank; Shannon Thomason, Central Bank; and Arielle Sutherland, RiskExec

Each discussion delivers practical, actionable strategies to help compliance teams navigate shifting regulations and operate with confidence in 2026 and beyond.

Watch RiskExec Connect 2025 on-demand here:

Watch all RiskExec Connect 2025 sessions on-demand. Gain expert compliance insights and strategies for 2026.

11/05/2025

Our 3 hour virtual event, RiskExec Connect, is TOMORROW from 1-4pm ET on November 6. Register for free below to listen to speakers from RiskExec, Charles River Associates, Chrisman Commentary and more, with actionable guidance for compliance and fair lending leaders.

✅ 3.75 CRCM/CERP credits available
💻 Register now: https://na2.hubs.ly/H01XYsW0

RiskExec Connect

10/22/2025

What can you expect from CRA exams this year?

Our latest blog shares first-hand insights from CRA leaders at American Express and FNBO on what’s changing, including smaller examiner teams, hybrid formats, and a stronger focus on data integrity and community impact.

If you’re planning your next exam cycle, this is a must-read.

Read more: https://na2.hubs.ly/H01JwH50

In a recent RiskExec panel webinar, leaders Annie Perizzolo of American Express and Chris Turner of FNBO shared firsthand insights from their 2025 Community Reinvestment Act (CRA) exam experiences. The discussion revealed significant shifts in regulatory expectations, and offered actionable strategi...