Regulatory Advisory & Exam Readiness

Financial institutions face increasing supervisory scrutiny from federal and state regulators. Arq Advisory provides hands-on regulatory advisory and examination support for institutions navigating high-stakes supervisory reviews, consent orders, MRAs, and enforcement actions.

Our approach is grounded in direct experience. Arq’s founder served as a CFPB Senior Commissioned Examiner and Examiner-in-Charge — meaning we understand how examiners scope reviews, evaluate evidence, assess risk, and draft findings. We bring that perspective to every engagement.

We help institutions prepare for and respond to federal and state regulatory examinations. This includes pre-exam readiness assessments, document preparation, management and board interview preparation, and real-time support during active examinations. We help compliance teams anticipate examiner focus areas and present their programs effectively.

A strong CMS is the foundation of every defensible compliance program. Arq evaluates CMS governance structures end-to-end — board and management oversight, policies and procedures, training, monitoring and testing, consumer complaint management, and corrective action processes. We identify gaps before examiners do and recommend practical, scalable improvements.

When findings occur — MRAs, MRIAs, consent orders, or enforcement actions — Arq drives structured remediation. This includes lookback reviews, file-level testing, restitution analysis and calculation, and corrective action plan development and execution. Our remediation work is designed to be defensible, documented, and durable, so institutions can demonstrate sustained compliance improvement.

We develop and enhance compliance policies, procedures, and program frameworks. Whether building a compliance function from the ground up or strengthening an existing program, Arq delivers governance structures that meet regulatory expectations and align with institutional risk profiles.

For institutions evaluating mergers, acquisitions, or strategic transactions, Arq provides targeted compliance impact analyses — assessing regulatory risk exposure, integration requirements, and supervisory implications.

Arq Advisory works with banks, credit unions, mortgage lenders, mortgage servicers, fintech companies, and their legal counsel. We also support government agencies requiring specialized compliance expertise.