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

In today's regulatory environment, data is no longer a back-office function, it is the foundation of credibility. Data Governance is the overarching framework that connects every stage of the regulatory data lifecycle, setting the policies, standards, and controls that keep lending data accurate, traceable, and defensible from intake through submission.

Through US Regulatory Consulting (USRC), we help financial institutions and financial technology companies build a data ecosystem that is transparent, exam-ready, and sustainable. This combination of automation and expert judgment is a hallmark of our approach: technology where it accelerates quality, and human expertise where nuance matters.

Mark Miller
Mark Miller, CRCM/CERP
Director, US Regulatory Consulting, Data Governance
Mark is responsible for leading Data Governance and AI Enablement initiatives that help financial institutions prepare, manage, validate, and operationalize regulatory data through Data Management and Data Integrity solutions.
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Who We Are
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Data Management Services

Data Management Services help financial institutions prepare, maintain, and submit regulatory data with confidence. Through data processing, geocoding, regulatory edit checks, data cleanup, and submission support, USRC transforms raw lending data into standardized, regulator-ready datasets for HMDA, CRA, and Section 1071 reporting. These services provide the operational foundation needed to support efficient reporting, meaningful analytics, and effective data governance.

Data processing

USRC import HMDA and/or CRA source data into Wolters Kluwer’s proprietary compliance platform, applying formatting rules and data‑mapping logic to ensure every required field aligns with federal regulatory standards. This results in clean, structured data ready for review and analysis.

Geocoding

USRC geocodes institution‑supplied addresses against authoritative databases with manual research where needed, using Google Maps, MapQuest, USPS, and county websites, to ensure correct census tract assignment — an essential component of accurate CRA and HMDA reporting.

Regulatory edit checks and data cleanup

USRC runs all HMDA and/or small business lending data through comprehensive edit‑verification processes. Validation issues and quality flags are documented in exception reports, returned for correction, and updated in the dataset to produce a fully compliant loan application register (LAR) and/or loan register.

Submission services

USRC manages the end‑to‑end submission process, ensuring the data file meets formatting requirements, validity and quality edits are addressed, and all final submission files are accurately prepared. We partner with institutions to complete submission to the appropriate regulatory agency.

Staff augmentation

USRC offers experienced HMDA, CRA, and fair lending professionals who integrate seamlessly into your teams to support data management, edits, cleanup, reporting, or submission tasks — providing capacity and expertise exactly when and where needed.

Data Integrity Review Services

Handle complex regulatory requirements with ease

Wolters Kluwer combines AI-powered technology with deep regulatory expertise to ensure your CRA, HMDA, and Section 1071 data is accurate, complete, and audit-ready — reducing risk and improving efficiency.
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Ensure clean, compliant, and submission‑ready data

Partner with our data experts to strengthen your 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.
Project managers in a meeting
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.
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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.
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Resources

US Regulatory Consulting

Expert guidance empowering stronger, smarter regulatory and compliance decisions.
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US Regulatory Consulting: Data Governance Services

Improving regulatory data accuracy, traceability, and readiness.
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Data Integrity for HMDA, CRA, and 1071

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