White Papers

View recent reports written by QuestSoft's compliance experts.

Analysis of CRA Performance Ratings

As banks look to maximize their performance under The Community Reinvestment Act, it’s important to understand trends that have emerged as a result of a decade worth of Performance Evaluations. This report will analyze key trends that were discovered during this time.

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Analysis of the Regulatory Relief Bill Shows Mixed Benefits for Lenders

The bill that passed the US Senate recently, S 2155, has been touted as needed regulatory relief by the affected depository institutions. The Senate bill would exempt depository institutions with five hundred loans or less from reporting additional data elements required under the Consumer Financial Protection Bureau’s HMDA rule.

In this white paper, QuestSoft examined the latest HMDA data in detail to determine whether this adjustment would produce the benefits or dangers suggested by parties involved. 

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