Home

We Offer Tailormade Packages to Suit Your Needs

Base Model (annual subscription): The annual subscription cost is based on the total commercial loan exposure analyzed by the ACCU. The base model also includes annual maintenance. Each form can also be customized in exact accordance with your underwriting templates and/or instructions for an additional cost. Each customization requires a one-time fee based on the amount of work hours required to create them. The average customization for the Base Model can be completed within 2-3 weeks.

Additional Cost (annual subscription): The annual subscription cost is based on the total commercial loan exposure analyzed by the ACCU.

Requires Estimate (fixed cost by estimate): These items each require a one-time fee based on the amount of work hours required to create them.

Key

Base Model
Additional Cost
Requires Estimate

Customizable Form

Form Module

Term Sheet

Relationship Account Summary

Automated Deposit and Loan Account Data Extraction

Background

Collateral Description

Real Estate Occupancy Analysis

Cash Flow Analysis - Business / Real Estate Income

Automated Tax Return and Financial Statement Data Extraction

Cash Flow Analysis - Non-Profit Financial Activities

Automated Non-Profit Tax Return and Financial Statement Data Extraction

Cash Flow Analysis - Construction

Balance Sheet Analysis

Automated Tax Return and Financial Statement Data Extraction

Balance Sheet Analysis - Non-Profit

Automated Non-Profit Tax Return and Financial Statement Data Extraction

Financial Ratio Analysis

Accounts Receivable Analysis

Accounts Payable Analysis

Personal Financial Statement / Statement of Financial Condition Analysis

Personal Credit Report Analysis

Automated Credit Report Data Extraction

Cash Flow Analysis - Personal Income

Automated Tax Return Data Extraction

Cash Flow Analysis - Estate / Trust Income

Automated Tax Return Data Extraction

Cash Flow Analysis - Global

Collateral Summary

Risk Rating

Approval Signatures

Text Editor

Policy Exceptions Checklist

Expanded Risk Rating for multi-layered risk rating approaches

Specialized Lending Forms/Other Forms

"OCC Hosts Workshop for Bank Directors and Senior Management in Sioux Falls" 26 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host a two-day workshop in Sioux Falls, South Dakota, November 7-8 for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 21 Sep 2023 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks, federal savings associations, and individuals currently and formerly affiliated with national banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Extend Favorable Community Reinvestment Act Consideration of Revitalization Activities in Certain Disaster Areas Affected by Hurricane Maria" 20 Sep 2023 16:45:00 -0400 - The federal bank regulatory agencies today announced they are extending the period for giving favorable consideration under their Community Reinvestment Act (CRA) regulations to institutions located outside of Puerto Rico and the U.S. Virgin Islands, for bank activities that continue to help revitalize or stabilize these areas devastated by Hurricane Maria. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Second Quarter 2023 Bank Trading Revenue " 14 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported cumulative trading revenue of U.S. commercial banks and savings associations of $13.7 billion in the second quarter of 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Mutual Savings Association Advisory Committee Meeting October 3" 13 Sep 2023 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced it will host a public meeting of the Mutual Savings Association Advisory Committee (MSAAC) on Tuesday, October 3, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Risk Governance and Capital Markets Workshops in Dallas" 11 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host two workshops October 24-25 in Dallas for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Compliance and Credit Risk Workshops in Syracuse" 5 Sep 2023 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) will host two workshops in Syracuse on October 17-18 for directors, senior management, and other key executives of national community banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal and State Financial Regulatory Agencies Issue Interagency Statement on Supervisory Practices Regarding Financial Institutions Affected by Hurricane Idalia" 1 Sep 2023 13:00:00 -0400 - The Federal Deposit Insurance Corporation, the Federal Reserve Board, the National Credit Union Administration, the Office of the Comptroller of the Currency, and state financial regulators, collectively the agencies, recognize the serious impact of Hurricane Idalia on the customers and operations of many financial institutions and will provide appropriate regulatory assistance to affected institutions subject to their supervision. The agencies encourage institutions operating in the affected areas to meet the financial services needs of their communities. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 24 National Banks and Federal Savings Associations" 1 Sep 2023 12:15:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of August 1, 2023, through August 31, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Allows National Banks and Federal Savings Associations in Georgia, South Carolina and North Carolina Affected by Hurricane Idalia to Close" 30 Aug 2023 13:22:09 -0400 - The Office of the Comptroller of the Currency (OCC) today issued a proclamation allowing national banks, federal savings associations, and federal branches and agencies of foreign banks to close offices in areas of Georgia, South Carolina and North Carolina affected by Hurricane Idalia. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies extend favorable Community Reinvestment Act consideration of revitalization activities in certain disaster areas affected by Hurricane Maria" Wed, 20 Sep 2023 20:45:00 GMT - Agencies extend favorable Community Reinvestment Act consideration of revitalization activities in certain disaster areas affected by Hurricane Maria - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 20 Sep 2023 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board and Federal Open Market Committee release economic projections from the September 19-20 FOMC meeting" Wed, 20 Sep 2023 18:00:00 GMT - Federal Reserve Board and Federal Open Market Committee release economic projections from the September 19-20 FOMC meeting - Source: ||||||||||||||

"Philip N. Jefferson sworn in as Vice Chair of the Board of Governors of the Federal Reserve System" Wed, 13 Sep 2023 14:00:00 GMT - Philip N. Jefferson sworn in as Vice Chair of the Board of Governors of the Federal Reserve System - Source: ||||||||||||||

"Lisa D. Cook sworn in for her second term as a member of the Board of Governors of the Federal Reserve System" Wed, 13 Sep 2023 14:00:00 GMT - Lisa D. Cook sworn in for her second term as a member of the Board of Governors of the Federal Reserve System - Source: ||||||||||||||

"Adriana D. Kugler sworn in as a member of the Board of Governors of the Federal Reserve System" Wed, 13 Sep 2023 14:00:00 GMT - Adriana D. Kugler sworn in as a member of the Board of Governors of the Federal Reserve System - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by R. Dean Phillips Bank Trust Dated 11-19-2004, and its subsidiary, HNB Bancorp, Inc." Tue, 5 Sep 2023 20:30:00 GMT - Federal Reserve Board announces approval of application by R. Dean Phillips Bank Trust Dated 11-19-2004, and its subsidiary, HNB Bancorp, Inc. - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Gardner Bancshares, Inc. and Small Business Bank" Tue, 5 Sep 2023 15:00:00 GMT - Federal Reserve Board issues enforcement action with Gardner Bancshares, Inc. and Small Business Bank - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Idalia" Fri, 1 Sep 2023 17:00:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Idalia - Source: ||||||||||||||

"Agencies request comment on proposed rule to require large banks to maintain long-term debt to improve financial stability and resolution " Tue, 29 Aug 2023 19:00:00 GMT - Agencies request comment on proposed rule to require large banks to maintain long-term debt to improve financial stability and resolution - Source: ||||||||||||||

"Agencies propose guidance to enhance resolution planning at large banks" Tue, 29 Aug 2023 19:00:00 GMT - Agencies propose guidance to enhance resolution planning at large banks - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with HSBC Holdings PLC and HSBC North America Holdings Inc." Thu, 24 Aug 2023 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with HSBC Holdings PLC and HSBC North America Holdings Inc. - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Comerica Bank" Tue, 22 Aug 2023 20:30:00 GMT - Federal Reserve Board announces approval of application by Comerica Bank - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings from July 17 and July 26, 2023" Tue, 22 Aug 2023 18:00:00 GMT - Minutes of the Board's discount rate meetings from July 17 and July 26, 2023 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action and fines Regions Bank approximately $2.95 million for unsafe and unsound practices in its flood insurance compliance program and for flood insurance regulatory violations" Tue, 22 Aug 2023 15:00:00 GMT - Federal Reserve Board issues enforcement action and fines Regions Bank approximately $2.95 million for unsafe and unsound practices in its flood insurance compliance program and for flood insurance regulatory violations - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by the Hawaii Wildfires" Thu, 17 Aug 2023 19:00:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by the Hawaii Wildfires - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Farmington State Bank, and its holding company, FBH Corporation" Thu, 17 Aug 2023 15:00:00 GMT - Federal Reserve Board issues enforcement action with Farmington State Bank, and its holding company, FBH Corporation - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, July 25-26, 2023" Wed, 16 Aug 2023 18:00:00 GMT - Minutes of the Federal Open Market Committee, July 25-26, 2023 - Source: ||||||||||||||

"Federal Reserve Board provides additional information on its program to supervise novel activities in the banks it oversees" Tue, 8 Aug 2023 20:30:00 GMT - Federal Reserve Board provides additional information on its program to supervise novel activities in the banks it oversees - Source: ||||||||||||||

"Federal Reserve Board announces it is seeking individuals with a diverse set of expert insurance perspectives in life, property and casualty, and reinsurance issues to serve on its Insurance Policy Advisory Committee (IPAC)" Mon, 7 Aug 2023 14:00:00 GMT - Federal Reserve Board announces it is seeking individuals with a diverse set of expert insurance perspectives in life, property and casualty, and reinsurance issues to serve on its Insurance Policy Advisory Committee (IPAC) - Source: ||||||||||||||