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Bank-Ready Program Kit

Flagship kit

The complete library for your edition, traced to the regulations in one set of requirements and controls maps.

$2,995

Per institution. Fintech or Bank edition. Includes 12 months of updates and a one-hour implementation call.

Buy Bank-Ready Program Kit
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What’s in the Bank-Ready Program Kit

  • Everything in every other kit for your edition, including the lending, deposits and payments, and consumer protection and privacy kits
  • Deposits and payments, lending, privacy, consumer protection, fraud, and operational risk policies and procedures
  • Consumer notices and forms: privacy, E-SIGN, and adverse action
  • Every tool for your edition
  • Seven requirements and controls maps
  • One-hour implementation call

Every file, by edition

Where a bank and a fintech run a program differently, each edition has its own version of the document. Where the rule works the same way for both, one document covers both editions.

Fintech edition: 90 files

Tools and maps (1)

  • Master Policy Template

Governance and compliance management (11)

  • Compliance Committee Charter
  • Compliance Management System (CMS) Policy
  • Compliance Risk Assessment Policy
  • Compliance Monitoring and Testing Policy
  • Issue Management and Corrective Action Policy
  • Compliance Training Policy
  • Complaint Management Policy
  • Change and Regulatory Change Management Policy
  • Exam and Review Management Policy
  • Code of Conduct, Conflicts, and Whistleblower Policy
  • Policy Governance Standard

BSA/AML, sanctions, and fraud (11)

  • BSA/AML and Sanctions Program Policy
  • Fraud Risk Management Policy
  • Identity Theft Prevention Program
  • CIP, CDD, and EDD Procedure
  • Transaction Monitoring and UAR Procedure
  • OFAC and Sanctions Screening Procedure
  • Legal Process and Information Sharing Procedure
  • Fraud and Identity Theft Response Procedure
  • BSA/AML and Sanctions Risk Assessment Methodology
  • BSA/AML and Sanctions Risk Assessment Workbook
  • AML/CFT Program Rule Comparison and Readiness Workbook

Deposits and payments (11)

  • Electronic Fund Transfers (Reg E) Policy
  • Truth in Savings (Reg DD) Policy
  • Deposit Insurance Representations Policy
  • Account Opening and Closing Policy
  • Garnishment and Legal Process Policy
  • Unclaimed Property Policy
  • ACH and Nacha Rules Policy
  • Card Disputes and Chargebacks Policy
  • Custodial (FBO) Account Recordkeeping and Reconciliation Policy
  • Reg E Error Resolution Procedure
  • Negative Balance and Overdraft Procedure

Lending (12)

  • Adverse Action Notice
  • Notice of Incomplete Application
  • Counteroffer Notice
  • Reg Z Open-End Credit Policy
  • Reg Z Closed-End Credit Policy
  • Fair Lending, ECOA, and Reg B Policy
  • Fair Credit Reporting Act Policy
  • Servicing and Collections Policy
  • Credit Underwriting Model and AI Governance Policy
  • Lending Authority, Licensing, and Rate Policy
  • Adverse Action Procedure
  • Hardship, Loss Mitigation, and Charge-Off Procedure

Privacy and consumer communications (7)

  • GLBA Privacy Notice
  • Online Privacy Notice
  • Consumer Financial Privacy (GLBA and Reg P) Policy
  • State Privacy Law Compliance Policy
  • TCPA Policy
  • Commercial Email (CAN-SPAM) Policy
  • Right to Financial Privacy Act Policy

Operational risk (7)

  • Third-Party Risk Management Policy
  • Information Security Program Policy
  • Incident Response and Breach Notification Policy
  • Acceptable Use Standard
  • Business Continuity and Disaster Recovery Policy
  • Records Retention and Destruction Policy
  • AI Governance Policy

Tools and maps (24)

  • Red Flags Applicability Matrix
  • Board and Committee Compliance Report
  • Records Retention Schedule
  • Regulatory Applicability Matrix
  • BSA/AML and Sanctions Requirements and Controls Map
  • Consumer Protection Requirements and Controls Map
  • Deposits and Payments Requirements and Controls Map
  • Governance Requirements and Controls Map
  • Lending Requirements and Controls Map
  • Operational Risk Requirements and Controls Map
  • Privacy and Communications Requirements and Controls Map
  • Compliance Testing Plan
  • Transaction Testing Workpaper
  • Compliance Testing Report Template
  • Issue and Corrective Action Log
  • Training Matrix and Completion Tracker
  • Complaint Log and Root-Cause Taxonomy
  • Reg E Error Resolution Log
  • Regulatory Change Log
  • Sponsor Bank Obligations Crosswalk
  • Compliance Risk Assessment Workbook
  • Third-Party Inventory and Risk Tiering
  • Sponsor Bank Due Diligence Response Binder
  • Custodial Account Reconciliation Workbook

Consumer protection (6)

  • E-SIGN Consent Disclosure
  • UDAAP Policy
  • Marketing, Advertising, and Social Media Policy
  • Electronic Disclosures and E-SIGN Policy
  • Servicemembers (SCRA and MLA) Policy
  • Marketing Review and Approval Procedure
Bank edition: 92 files

Tools and maps (1)

  • Master Policy Template

Governance and compliance management (11)

  • Compliance Committee Charter
  • Compliance Management System (CMS) Policy
  • Compliance Risk Assessment Policy
  • Compliance Monitoring and Testing Policy
  • Issue Management and Corrective Action Policy
  • Compliance Training Policy
  • Complaint Management Policy
  • Change and Regulatory Change Management Policy
  • Regulatory Examination Management Policy
  • Code of Conduct, Conflicts, and Whistleblower Policy
  • Policy Governance Standard

BSA/AML, sanctions, and fraud (12)

  • BSA/AML and Sanctions Program Policy
  • Fraud Risk Management Policy
  • Identity Theft Prevention Program
  • CIP, CDD, and EDD Procedure
  • Transaction Monitoring and SAR Procedure
  • OFAC and Sanctions Screening Procedure
  • Legal Process and Information Sharing Procedure
  • Fraud and Identity Theft Response Procedure
  • Currency Transaction Reporting and Cash Procedure
  • BSA/AML and Sanctions Risk Assessment Methodology
  • BSA/AML and Sanctions Risk Assessment Workbook
  • AML/CFT Program Rule Comparison and Readiness Workbook

Deposits and payments (11)

  • Electronic Fund Transfers (Reg E) Policy
  • Truth in Savings (Reg DD) Policy
  • Funds Availability (Reg CC) Policy
  • Deposit Insurance Representations Policy
  • Account Opening and Closing Policy
  • Garnishment and Legal Process Policy
  • Unclaimed Property Policy
  • ACH and Nacha Rules Policy
  • Card Disputes and Chargebacks Policy
  • Reg E Error Resolution Procedure
  • Negative Balance and Overdraft Procedure

Lending (14)

  • Adverse Action Notice
  • Notice of Incomplete Application
  • Counteroffer Notice
  • Reg Z Open-End Credit Policy
  • Reg Z Closed-End Credit Policy
  • Fair Lending, ECOA, and Reg B Policy
  • Fair Credit Reporting Act Policy
  • Servicing and Collections Policy
  • Credit Underwriting Model and AI Governance Policy
  • Lending Authority, Licensing, and Rate Policy
  • Insider Lending (Reg O) Policy
  • Community Reinvestment Act Policy
  • Adverse Action Procedure
  • Hardship, Loss Mitigation, and Charge-Off Procedure

Privacy and consumer communications (7)

  • GLBA Privacy Notice
  • Online Privacy Notice
  • Consumer Financial Privacy (GLBA and Reg P) Policy
  • State Privacy Law Compliance Policy
  • TCPA Policy
  • Commercial Email (CAN-SPAM) Policy
  • Right to Financial Privacy Act Policy

Operational risk (8)

  • Third-Party Risk Management Policy
  • Information Security Program Policy
  • Incident Response and Breach Notification Policy
  • Acceptable Use Standard
  • Business Continuity and Disaster Recovery Policy
  • Records Retention and Destruction Policy
  • AI Governance Policy
  • Fintech Partner (BaaS) Program Oversight Policy

Tools and maps (22)

  • Red Flags Applicability Matrix
  • Board and Committee Compliance Report
  • Records Retention Schedule
  • Regulatory Applicability Matrix
  • BSA/AML and Sanctions Requirements and Controls Map
  • Consumer Protection Requirements and Controls Map
  • Deposits and Payments Requirements and Controls Map
  • Governance Requirements and Controls Map
  • Lending Requirements and Controls Map
  • Operational Risk Requirements and Controls Map
  • Privacy and Communications Requirements and Controls Map
  • Compliance Testing Plan
  • Transaction Testing Workpaper
  • Compliance Testing Report Template
  • Issue and Corrective Action Log
  • Training Matrix and Completion Tracker
  • Complaint Log and Root-Cause Taxonomy
  • Reg E Error Resolution Log
  • Regulatory Change Log
  • Fintech Partner Due Diligence and Monitoring Workbook
  • Compliance Risk Assessment Workbook
  • Third-Party Inventory and Risk Tiering

Consumer protection (6)

  • E-SIGN Consent Disclosure
  • UDAAP Policy
  • Marketing, Advertising, and Social Media Policy
  • Electronic Disclosures and E-SIGN Policy
  • Servicemembers (SCRA and MLA) Policy
  • Marketing Review and Approval Procedure

Kit facts

Bank-Ready Program Kit: editions, files, formats, version, updates, license, and delivery
EditionsFintech and Bank editions. Choose the Fintech edition if a sponsor bank holds your accounts, cards, or loans; choose the Bank edition if your institution holds the charter, including banks that sponsor fintech programs. Credit unions use the Bank edition.
FilesFintech edition: 90 · Bank edition: 92
FormatsEditable Word and Excel files, with PDF reference copies. No macros, scripts, or links to outside data sources.
VersionVersion 1.0, regulatory content current as of October 2026.
Updates12 months of updates included. Each file shows the date its regulatory content is current through. Includes a one-hour implementation call.
After the first yearUpdates continue at $449 a year (15% of the kit price). Automatic renewal is optional, chosen at checkout, and can be cancelled anytime. You keep the files either way.
LicenseOne institution, internal use. Edit the files, remove our branding, and share your adopted versions with your sponsor bank, examiners, and auditors. Read the Terms of Use and license.
DeliveryDownload right after checkout; the link is also sent by email. Card or invoice; see vendor information for procurement teams.
  • Secure checkout Payment is entered on Stripe’s encrypted checkout. Card and bank details never reach our servers.Powered by Stripe (opens in a new tab)
  • Immediate delivery Your download link appears right after checkout and is also sent by email.
  • Receipt and invoice Stripe emails a receipt and an invoice in your institution’s name for accounts payable.
  • Safe, standard files Word and Excel files with PDF copies. No macros, scripts, or links to outside data sources.
  • Edition replacement If you receive the wrong edition, email us within 30 days and we will send the correct one.

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