End‑to‑end expertise that ensures clean, compliant, and submission‑ready data

Financial institutions subject to the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) must accurately collect, record, report, and disclose lending information each year. Effective data management requires disciplined processes, precise coding, and deep regulatory expertise to ensure data is complete, accurate, and fully compliant before annual submission.

Wolters Kluwer US Regulatory Consulting (USRC) helps institutions confidently meet HMDA and CRA reporting requirements through an end‑to‑end approach that combines regulatory insight, proven processes, and advanced data‑management technology. Our team includes former bankers, compliance officers, regulators, attorneys, and auditors — professionals who understand both the operational challenges and the supervisory expectations surrounding quality data.

Leadership

Seth Reimer Specialized Consulting Manager- Compliance Solutions
Seth Reimer
Associate Director, US Regulatory Consulting, Fair and Responsible Banking
Seth leads USRC’s Fair and Responsible Banking practice.  In his role, Seth directs fair lending analytics, program governance, and regulatory strategy to support equitable, data driven frameworks for his clients.
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Strengthen the accuracy and integrity of your CRA and HMDA data

USRC’s CRA Services provide end‑to‑end support across HMDA/CRA data processing, geocoding, edit checks, submission, analytics, market evaluation, exam preparation, and augmentation. We help institutions maintain clean, accurate regulatory data while strengthening CRA performance and readiness for supervisory review.

CRA‑specific analytics and evaluation services

CRA analytics 

USRC evaluates and quantifies CRA performance using a regulator‑aligned approach, assessing:

° Market area qualification and demographic alignment
° Lending performance in low- and moderate-income (LMI) communities and to LMI borrowers
° Qualification of community development lending and investment activities
° Lending and investment performance relative to peers
° Service performance, including branch distribution, product availability, and volunteer activity effectiveness

This analysis provides a thorough understanding of CRA alignment with regulatory expectations and industry‑acceptable practices

CRA market analysis

USRC assesses economic and demographic trends that influence CRA strategy, including:

° Local economic conditions, particularly within LMI census tracts
° Residential real estate dynamics and foreclosure patterns
° Small business environment, including start‑up and growth trends

This situational awareness strengthens CRA strategy development and supports credible program design.

CRA examination preparation

USRC leverages extensive regulatory and industry expertise to evaluate current CRA posture and ensure exam readiness. Institutions receive clarity on strengths, vulnerabilities, and targeted actions needed to meet supervisory expectations.

CRA program staff augmentation

USRC’s dedicated CRA professionals provide immediate support for ongoing obligations, including data analytics, performance documentation, exam preparation, reporting, and strategic program enhancements.

Mergers and acquisitions: Regulatory due diligence

USRC evaluates compliance, risk exposure, data integrity, and CRA‑related obligations during mergers or acquisitions.

Ensure clean, compliant, and submission‑ready data

Partner with our data experts to strengthen your HMDA and CRA reporting process from intake to submission.
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We bring a partnership mindset

When you work with Wolters Kluwer USRC, you gain a team that:

Understands your institution’s unique risk profile

Brings clarity to complex regulatory requirements

Delivers practical, actionable, and exam‑ready solutions

Supports implementation, testing, and ongoing improvement

A group of people partnering on regulatory excellence
A collaborative, transparent approach to regulatory excellence
At Wolters Kluwer USRC, we partner closely with institutions to deliver clarity, structure, and confidence across every stage of the compliance and risk management journey. Our approach is grounded in deep regulatory expertise, practical execution, and a commitment to meeting institutions where they are.
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Project management you can trust
Our engagement model is collaborative, transparent, and rooted in real‑world experience. Using advanced project management platforms and proven methodologies, we ensure clients stay continuously connected to their USRC team — receiving real‑time visibility into project status, emerging observations, and follow‑up needs.
Coworkers discussing optimizing compliance and risk capabilities
Optimizing your compliance and risk capabilities
We help financial institutions build and sustain resilient compliance and risk management programs that can withstand increasing regulatory scrutiny. Connect with us to explore how our team can strengthen your institution’s compliance infrastructure and support your long‑term risk management goals.

Insights

What lenders should know about CRA benchmarking, business strategies

Jason Keller’s article in Dodd-Frank Update, June 2025.
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Cracking the code: 2024 HMDA compliance trends and how automation can close the gaps

An in-depth look at the top HMDA compliance violations cited in 2024 and how automation can transform your compliance strategy.
Watch On-Demand Webinar

Understanding the data: A guide to comply with Section 1071 of the Dodd-Frank Act

Recommendations for updating or developing policies and procedures to ensure compliance and consider operational effectiveness.
Learn More

Resources

US Regulatory Consulting

Expert guidance empowering stronger, smarter regulatory and compliance decisions.
Download Service Overview

US Regulatory Consulting: Community Reinvestment Services

Optimizing CRA strategies for meaningful community impact.
Download Service Overview

Data Integrity for HMDA, CRA, and 1071

Ensure accurate, compliant reporting with AI-powered Data Integrity Services.
Download Service Overview

Unlock the power of compliance expertise

Connect with an expert today to assess your challenges and uncover tailored solutions for your institution. Discover how strategic guidance and proven methodologies can transform your compliance program and operational efficiency.

Why schedule a consultation?

  • Align your programs with evolving regulations
  • Reduce risk and improve exam outcomes
  • Build internal expertise through staff training

Ready to take the next step?

Fill out the quick form to start your personalized consultation. Together, we’ll explore how Wolters Kluwer US Regulatory Consulting can meet your unique needs and deliver measurable results.

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