Be Prepared for Your Next Examination & Beyond

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ViClarity is a national leader in credit union regulatory compliance solutions and services. Through our audit and review offerings, we help credit unions across the US assess and identify compliance issues efficiently and objectively based on their specific needs.

ViClarity delivers cost-effective, efficient and flexible remote auditing. We listen to our clients’ preferences and expectations during planning conversations and build customized audit plans. At ViClarity we are passionate about this — we never take a “one size fits all” approach.

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Delivering Unparalleled Regulatory Compliance Expertise

We know that having a trusted partner who understands the constantly changing regulatory environment can make a world of difference for credit unions. Many members of our Audit Services team worked in or with credit unions before their time at ViClarity, and it shows. We understand the obstacles facing credit unions and the importance of detailed, comprehensive reports showing any and all findings, recommendations and suggestions for improvement.

Armed with extensive knowledge of federal financial institution regulations and industry best practices, the ViClarity team stands ready to assist. We can assess your policies, procedures, disclosures and other areas of compliance to identify red flags unique to your credit union, so you are well-prepared for your next regulatory exam and beyond.

ViClarity offers a full suite of audit and review services including:

Our fair lending audits include:

  • Reg C - Home Mortgage Disclosure Act (HMDA)
  • Reg B- Equal Credit Opportunity Act
  • Fair Housing Act (FHAct)
  • Nondiscrimination Requirements, NCUA 701

ViClarity performs lending audits such as:

  • Reg B – Equal Credit Opportunity Act
  • Reg Z - Truth in Lending Act including TILA/RESPA Integrated Disclosures (TRID)
  • Reg X - Real Estate Settlement Procedures Act
  • Reg V - Fair Credit Reporting Act
  • Flood Disaster Protection Act (FDPA)
  • National Flood Insurance Reform Act
  • Military Lending Act (MLA)
  • Servicemembers Civil Relief Act (SCRA)

We conduct a variety of deposit audits, including:

  • Truth in Savings Act, NCUA 707
  • Reg CC - Expedited Funds Availability Act
  • Reg E - Electronic Funds Transfer Act
  • Accuracy of Advertising and Notice of Insured Status, NCUA 740

Our privacy audits include:

  • Gramm-Leach-Bliley Act (GLBA)
  • Reg P

Required annual audits supported by ViClarity include:

  • Bank Secrecy Act (BSA) Independent Testing
  • Automated Clearing House (ACH) Audit
  • SAFE Act Independent Testing

ViClarity’s advertising website compliance reviews identify at-risk areas on your website and help you address them – your website is as much a reflection of your credit union as your branch lobby. We can also review your social media accounts to ensure you stay in compliance with your marketing messages.

The ViClarity team consistently receives satisfaction ratings of 93% or above.

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NuMark Credit Union Partners with ViClarity for Audits & Benefits from Exceptional Reports

With a growing membership, NuMark faces new challenges and opportunities every day, which can bring new regulatory requirements to bear. To get ahead they chose to build their compliance team and formalize its processes, but with a small team it can be hard to catch everything. To help bridge the gap, the team started looking for an extra set of eyes to help with audits.

Learn more about these and other solutions available for credit unions:

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