Ncontracts Tools Update: New Compliance, Risk & Vendor Content

Risk management and compliance never stand still — neither do we. With Ncontracts’ Knowledge as a Service (KaaS) approach, you always have the latest content and regulatory insights at your fingertips. 

Our in-house subject matter experts continually draft and review model risk assessments, policy templates, audit and compliance review templates, and regulatory analysis documents. Through Nsights, we deliver timely publications on federal and state regulatory changes, keeping you informed as the industry evolves. This content is seamlessly integrated into our solutions, providing plain-English, reliable, and up-to-date information to help you maintain strong compliance, risk, and governance frameworks — so you can focus on keeping your institution safe, sound, and successful. 

This month, we've added several pieces of content, including new cybersecurity and data governance policies and updated Reg B risk assessment templates. 

Related: Want an overview of the latest regulatory headlines impacting your financial institution? Our monthly Reg Update posts and videos tell you what changed and why it matters for your FI. Sign up for updates delivered straight to your inbox. 

Added August 2026

Nsights

• Regulatory Updates: 100
• Guidance: 75
• News: 178

Ncomply

New Content

Policies

• Cybersecurity
• Data Governance 
• Information Security (IS)/GLBA
• New Product or Service
• Safe Deposit Box
• Sales of Nondeposit Investment Products (NDIP) - Banks
• Sales of Nondeposit Investments - Credit Unions

Updated Content

Policies

• BSA/AML/CFT
• Regulation B - Equal Credit Opportunity Act (ECOA)

Nrisk

New Content

Risk Assessment Templates

• Elder Financial Abuse

Updated Content

Risk Assessment Templates

• Information Security/GLBA
• Regulation B - Equal Credit Opportunity Act (ECOA)

Nverify

Updated Content

Audit Templates

• Information Security (IS)/GLBA

Added July 2026

Nsights

• Regulatory Updates: 105
• Guidance: 34
• News: 150

Ncomply

New Content

Policies

• Elder Financial Abuse
• Non-Accrual and Charge-Off
• Corporate Governance
• Commercial Lending

Updated Content

Policies

• Fair Lending

Nrisk

New Content

Risk Assessment Templates

• BSA/AML/CFT - Supplemental High Risk
• Trust Company - Fiduciary Operations
• Trust Company - Fiduciary Administration 

Updated Content

Risk Assessment Templates

• ACH

Added June 2026

Nsights

• Regulatory Updates: 101
• Guidance: 33
• News: 205

Ncomply

New Content

Policies

• Trust Company - Registered Transfer Agent
• Trust Company - Fiduciary Activities
• Interest Rate Risk

Updated Content

Policies

• Flood Disaster Protection Act (FDPA)
• Artificial Intelligence (AI)
• Cannabis Banking

Nrisk

Updated Content

Risk Assessment Templates

• Artificial Intelligence (AI)
• Third-Party Risk Management (TPRM)

Nverify

New Content

Compliance Monitoring/Reviews

• Flood Disaster Protection Act (FDPA)
• CAN-SPAM Act

Updated Content

Audits

• Artificial Intelligence

Nvendor

Updated Content

Documents

• Third-Party Risk Management Program

Added May 2026

Nsights

• Regulatory Updates: 119
• Guidance: 42
• News: 195

Ncomply

Updated Content

Policies

• Investment Advisers - Third-Party Risk Management (TPRM)
• Model Risk Management
• Section 1071
• Third-Party Risk Management

Nrisk

Updated Content

Risk Assessment Templates

• Model Risk Management

• 1071 - Small Business Lending Data Collection

Nverify

New Content

Compliance Monitoring/Reviews

• Military Lending Act

Added April 2026

Nsights

• Regulatory Updates: 159
• Guidance: 50
• News: 264

Ncomply

New Content

Policies

• Information Technology (IT) 

Updated Content

Policies

• Fair Housing Act

Nrisk

New Content

Risk Assessment Templates

• Trust Company - Uniform Prudent Investor Act
• Trust Company - Principal and Income Act
• Fraud Risk Management

Updated Content

Risk Assessment Templates

• Information Technology - Business Continuity Management (BCM)
• Information Technology - Wholesale Payment Systems
• SCRA - Servicemembers Civil Relief Act
• MLA - Military Lending Act
• Fair Housing Act
• Community Development Financial Institution (CDFI)

Nverify

New Content

Compliance Monitoring/Reviews

• Servicemembers Civil Relief Act (SCRA) 

Updated Content

Audits

• IT Audit Program

Added March 2026

Nsights

• Regulatory Updates: 121
• Guidance: 42
• News: 248

Ncomply

New Content

Policies

• Account Administration: Corporate Trust Accounts 

Updated Content

 Policies 

• Consumer Complaints 
• Servicemembers Civil Relief Act (SCRA)
• Military Lending Act (MLA) 

Nrisk

New Content

Risk Assessment Templates

• Information Technology - Supervision of Technology Service Providers (TSP) 

Updated Content

Risk Assessment Templates 

• Consumer Complaints 
• Information Technology - Outsourcing Technology Services
• ATM/ITM Operations  

Nverify

Updated Content

Compliance Reviews/Compliance Monitoring

• Consumer Complaint Compliance Review
• Consumer Complaint Compliance Monitoring  

Added February 2026

Nsights

• Regulatory Updates: 78
• Guidance: 28
• News: 219

Ncomply

New Content

Policies 

• Account Administration: Personal and Charitable Accounts
• Account Administration: Employee Benefit Accounts

Nrisk

New Content

Risk Assessment Templates

• Enterprise Risk Management (ERM)
• Trust Account Administration 
• Consumer Mortgage Loan Governance - Regulatory Compliance and Reporting
• Consumer Mortgage Loan Governance - Loan Originator Compensation

Updated Content

 Risk Assessment Templates 

• Artificial Intelligence (AI)
• Information Technology
• Mortgage Lending Operations

Added January 2026

Nsights

• Regulatory Updates: 57
• Guidance: 24
• News: 165

Ncomply

New Content

Policies

• Trust Company - Conflicts of Interest 

Nrisk

New Content

Risk Assessment Templates

• Trust Company - Conflicts of Interest 
• Consumer Mortgage Loan Governance - Mortgage Portfolio Concentration 
• Consumer Mortgage Loan Governance - Financial Risk Management 
• Information Technology - IT Development, Acquisition, & Maintenance
• Information Technology - Information Technology Audit 

Added November 2025

Nsights

• Regulatory Updates: 83
• Guidance: 24
• News: 190

Ncomply

New Content

Policies

• Third Party Risk Management (TPRM) Mortgage Companies
• Regulation W - Transaction Between Member Banks and Their Affiliates
• Americans with Disabilities Act (ADA)
• Asset Liability Management
• Fair Debt Collection Practices Act (FDCPA)
• Investment Advisors - Fee-Deduction Only/Non-Custody
• Investment Advisors - Portfolio Management Oversight
• Investment Advisors - Books and Records Rule 204-2
• Investment Advisors - Communications and Electronic Messaging Policy
• Investment Advisors - Marketing Rule 206(4)-1

Updated Content

Policies

• California Consumer Protection Act

• AI for Third-Party Risk Management

Regulatory Analysis Documents

• CFPB - Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) Proposed Rule
• CFPB - Fair Credit Reporting Act; Preemption of State Laws Interpretive Rule
• CFPB - Equal Credit Opportunity Act (Regulation B) Proposed Rule

Nrisk

New Content

Risk Assessment Templates

• Regulation W - Transaction Between Member Banks and Their Affiliates

Updated Content

Risk Assessment Templates

• California Consumer Protection Act

Added October 2025

Nsights

• Regulatory Updates: 64
• Guidance: 51
• News: 165

Ncomply

New Content

Policies

• AI for Third-Party Risk Management (AI TPRM)

Regulatory Analysis Documents

• NCUA - Proposed Rule Prohibiting Reputation Risk
• CPPA - CCPA Final Rule
• FinCEN - Imposition of Special Measure Regarding Huione Group

Updated Content

Policies

• Third-Party Risk Management (TPRM)
• Artificial Intelligence (AI)
• Regulation V - Fair Credit Reporting Act (FCRA) / Fair and Accurate Credit Transactions Act (FACTA)
• Marketing and Advertising

Nrisk

New Content

Risk Assessment Templates

• Accounts Payable
• Other Real Estate
• Fair Banking
• Employee Account Management

Updated Content

Risk Assessment Templates

• Third-Party Risk Management (TPRM)
• Artificial Intelligence (AI)
• Model Risk Management
• Regulation V - Fair Credit Reporting Act (FCRA) / Fair and Accurate Credit Transactions Act (FACTA)
• Marketing

Nvendor

New Content

Surveys

• AI Questionnaire

Nverify

New Content

Audit Templates

• Artificial Intelligence

Added September 2025

Nsights

• Regulatory Updates: 63
• Guidance: 25
• News: 271

Ncomply

Policies

• Regulation F - Limitations on Interbank Liabilities
• Compliance Management System (CMS)
• Change Management
• Advertisement in Membership
• Mobile Banking
• Internet Banking

• Enterprise Risk Management

Regulatory Analysis Documents

• Congress - Homebuyers Privacy Protection Act
• CFPB - Personal Financial Data Rights Reconsideration (Section 1033)
• Department of the Treasury - Genius Act Implementation
• FinCEN - Delaying the Effective Date of the Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers

Nrisk

Risk Assessment Templates

• Expense Reports
• Accounting
• Regulation F - Limitations on Interbank Liabilities
• Community Development Financial Institution Governance
• Safe Deposit Box

Added August 2025

Ncomply

Policies

• RIA - Reg S-ID
• RIA - Custody
• Enterprise Risk Management
• Digital Assets/Virtual Currency
• Model Risk Management

• Mobile Banking

Regulatory Analysis Documents

• Congress - GENIUS Act
• FDIC - FDIC Official Sign and Advertising Requirements
• Executive Branch - Guaranteeing Fair Banking for All Americans Executive Order

Nrisk

Added July 2025

Ncomply

Policies

• Regulation O - Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks
• Automated Clearing House (ACH)
• Servicemembers Civil Relief Act (SCRA)
• Investment Adviser - Regulation S-P - Privacy in Information Safeguarding
• Investment Adviser - Anti-Money Laundering (AML) / Countering the Financing of Terrorism (CFT)

• OCC - Rescission of the Business Combinations Under the Bank Merger Act
• FRB/FDIC/OCC - Community Reinvestment Act Regulations

Requirements Builder Mortgage Content States:

• Kansas

Nrisk

Added June 2025

Ncomply

Policies

• Marketing & Advertising

• Home Mortgage Disclosure Act (HMDA) Regulation C Policy

Updated Policies

• COPPA
• Reg CC
• Third Party Risk Management (TPRM)

• Artificial Intelligence (AI)

Regulatory Analysis Documents

• CFPB - Interpretive Rules Policy Statements, and Advisory Opinions

Nrisk

Risk Assessment Templates

• Investment Adviser - Soft Dollars/Kickbacks
• Investment Adviser - Proxy Voting General
• Investment Adviser - Fees and Billing
• Correspondent Banks
• Deposit Operations

Added May 2025

Ncomply

Policies

• Regulation E

• Remittance Transfer

Regulatory Analysis Documents

• Restoring Equality of Opportunity and Meritocracy

• Credit Card Late Fee Rule

Requirements Builder Mortgage Content States:

• Michigan
• Missouri

Nrisk

Risk Assessment Templates

• Trust Operations

Added April 2025

Ncomply

Policies

• Regulation Z (TILA)
• Liquidity Management
• Succession Planning
• Instant Payments

• Fair Housing Act

Regulatory Analysis Documents

• FDIC Litigation (CBW Bank v. FDIC)

Requirements Builder Mortgage Content States:

• Minnesota
• Iowa
• South Dakota

Nrisk

Risk Assessment Templates

• Complaint Management
• Fair Housing Act

Added March 2025

This month's updates include more sample policy templates in Ncomply, mortgage requirements for four additional states, and one new risk assessment template in Nrisk. 

Ncomply

Policies

• Reg GG
• Physical Security
• CRA Policy – Small Bank
• CRA Policy – Intermediate Small Bank
• OFAC
• BSA/AML/CFT
• Truth in Savings – Reg DD

• Availability of Funds – Reg CC

Requirements Builder Mortgage Content States:

• Ohio
• Massachusetts
• New Jersey
• Maine

Nrisk

Risk Assessment Templates

• Reg GG

Added February 2025

Ncomply

Regulatory Analysis Documents:

• Executive Office - Regulatory Freeze Pending Review

Policies

• Business Continuity Management (BCM)
• Collection of Checks – Regulation J
• Community Reinvestment Act – Small Bank
• Community Reinvestment Act – Intermediate Small Bank
• Office of Foreign Assets Control (OFAC)
• Overdraft Policy on ATM and One-Time Debit Card Transactions

• Red Flag Identity Theft Program

Requirements Builder Mortgage Content States:

• Maine
• Louisiana

Added January 2025

Ncomply 

Regulatory Analysis Documents 

• NCUA - Succession Planning Final Rule 
• CFPB - Residential Property Assessed Clean Energy Financing (Regulation Z) Final Rule 
• FINCEN/US Court of Appeals for the Fifth Circuit - US Appellate Court Removes Stay on Nationwide Injunction of BOI Reporting Notice 
• CFPB - Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA) Proposed Rule 

• CFPB – Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) Final Rule 

Requirements Builder Mortgage Content States 

• Oregon 
• New Mexico
• North Carolina 

Nrisk 

New Risk Assessment Templates 

• Personal Financial Data Rights (1033)  
• Fair Credit Reporting Act
• Mergers and Acquisitions  

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