In the financial services area, consumer regulatory compliance refers to compliance with those laws and regulations that have been enacted to protect the unwary consumer and to ensure that consumers make informed financial decisions. There are a host of laws and regulations that have been enacted for this purpose, including among others the Truth-in-Lending Act (Regulation Z), the Truth-in-Savings Act (Part 707 of the NCUA Rules and Regulations), the Equal Credit Opportunity Act (Regulation B), the Home Mortgage Disclosure Act (Regulation C), the Electronic Fund Transfers Act (Regulation E), and the Expedited Funds Availability Act (Regulation CC). These regulations generally require that specific disclosures either be provided to the consumer or posted in the offices of the financial institution and may require the reporting of specific information to the government for monitoring purposes. Failure to comply with the consumer protection laws and regulations can subject a financial institution, its board members and/or employees to fines, civil monetary penalties, damages or, in some cases, incarceration. The AffirmX compliance solution covers all of the applicable federal consumer laws and regulations.