Program kits
Policies, procedures, and workbooks built around what sponsor banks and examiners expect, packaged so your team can adapt them and take them to your board. Every kit comes in a Fintech or Bank edition. Prices are per institution and include 12 months of updates.
Policy Framework
The core policies a sponsor bank or examiner asks for first, ready to edit and take to your board.
$1,195
- CMS policy and compliance committee charter
- Risk assessment, monitoring and testing, issue management, training, complaint, change, and exam management policies
- BSA/AML and sanctions program policy
- Third-party risk management and UDAAP policies
- Code of conduct and policy governance standard
- Bank edition adds the fintech partner program oversight policy
- Master policy template in Word
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
- Everything in the Policy Framework and the Documentation and Tools Kit
- 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
Documentation and Tools Kit
The procedures and workbooks that show your core controls actually run.
$695
- CIP/CDD/EDD, transaction monitoring, OFAC screening, and legal process procedures (the Bank edition adds CTR and cash)
- BSA/AML and compliance risk assessment workbooks
- Testing plan, transaction testing workpaper, and testing report
- Issue, complaint, training, and regulatory change logs
- Regulatory applicability matrix and third-party risk tiering
- Board and committee compliance report
- Sponsor bank obligations crosswalk (Fintech) or partner oversight workbook (Bank)
- Secure checkout Payment is entered on Stripe’s encrypted checkout. Card and bank details never reach our servers.
- Immediate delivery Your download link appears once payment is complete and is also sent by email.
- Receipt and invoice Stripe emails a receipt and an invoice in your institution’s name for accounts payable.
- Edition replacement If you receive the wrong edition, email us within 30 days and we will send the correct one.
Compare the kits
| What you get | Policy Framework | Bank-Ready Program Kit | Documentation and Tools Kit |
|---|---|---|---|
| Core governance, BSA/AML, third-party, and UDAAP policies | Yes | Yes | No |
| BSA/AML procedures | No | Yes | Yes |
| Core workbooks, logs, and report templates | No | Yes | Yes |
| Deposits, payments, lending, privacy, and operational risk | No | Yes | No |
| Consumer notices and forms | No | Yes | No |
| Requirements and controls maps | No | 7 domains | No |
| One-hour implementation call | No | 1 hour | No |
| Files in the Fintech edition | 15 | 86 | 17 |
| Files in the Bank edition | 16 | 90 | 18 |
| Editable Word and Excel files | Yes | Yes | Yes |
| Updates included | 12 months | 12 months | 12 months |
| Price per institution | $1,195 | $2,995 | $695 |
Fintech or Bank edition
Where a bank and a fintech run a program differently, the library has a separate document for each. Where the rule works the same way for both, one document covers both. You pick the edition when you check out.
Fintech edition
For fintechs whose accounts, cards, or loans are held by a sponsor bank. Sponsor bank sections and notes show what your bank will look for, and the sponsor bank obligations crosswalk tracks your program agreement.
Bank edition
For banks, including sponsor banks with fintech partner programs. Adds the partner program oversight policy and monitoring workbook, plus bank-only policies such as Reg CC, Reg O, CRA, and CTR. Credit unions use the Bank edition, with NCUA notes where the rules differ.
Try it before you buy
Download two working tools free: the regulatory applicability matrix and the complaint log. Or view seven sample pages from the CMS Policy and the Reg E Error Resolution Procedure to see how the policies and procedures are built.
Everything in the library
Every item is in the Bank-Ready Program Kit. Items marked with another kit’s name are in that kit too. Any single policy is $295, including its matching procedure where one exists.
Governance and compliance management (11)
- Compliance Management System (CMS) PolicySeparate Fintech and Bank editions · Policy Framework
- Compliance Committee CharterSeparate Fintech and Bank editions · Policy Framework
- Policy Governance StandardOne version for both editions · Policy Framework
- Compliance Risk Assessment PolicyOne version for both editions · Policy Framework
- Compliance Monitoring and Testing PolicyOne version for both editions · Policy Framework
- Issue Management and Corrective Action PolicyOne version for both editions · Policy Framework
- Compliance Training PolicyOne version for both editions · Policy Framework
- Complaint Management PolicySeparate Fintech and Bank editions · Policy Framework
- Change and Regulatory Change Management PolicyOne version for both editions · Policy Framework
- Exam and Review Management Policy (Bank: Regulatory Examination Management)Separate Fintech and Bank editions · Policy Framework
- Code of Conduct, Conflicts, and Whistleblower PolicyOne version for both editions · Policy Framework
BSA/AML, sanctions, and fraud (9)
- BSA/AML and Sanctions Program PolicySeparate Fintech and Bank editions · Policy Framework
- CIP, CDD, and EDD ProcedureSeparate Fintech and Bank editions · Documentation and Tools Kit
- Transaction Monitoring and UAR Procedure (Bank: SAR)Separate Fintech and Bank editions · Documentation and Tools Kit
- OFAC and Sanctions Screening ProcedureOne version for both editions · Documentation and Tools Kit
- Legal Process and Information Sharing ProcedureSeparate Fintech and Bank editions · Documentation and Tools Kit
- Currency Transaction Reporting and Cash ProcedureBank edition only · Documentation and Tools Kit
- Fraud Risk Management PolicyOne version for both editions
- Identity Theft Prevention Program (Red Flags)One version for both editions
- Fraud and Identity Theft Response ProcedureOne version for both editions
Consumer protection (6)
- UDAAP PolicyOne version for both editions · Policy Framework
- Marketing, Advertising, and Social Media PolicyOne version for both editions
- Marketing Review and Approval ProcedureOne version for both editions
- Electronic Disclosures and E-SIGN PolicyOne version for both editions
- E-SIGN Consent DisclosureOne version for both editions
- Servicemembers (SCRA and MLA) PolicyOne version for both editions
Deposits and payments (12)
- Electronic Fund Transfers (Reg E) PolicySeparate Fintech and Bank editions
- Reg E Error Resolution ProcedureSeparate Fintech and Bank editions
- Truth in Savings (Reg DD) PolicyOne version for both editions
- Funds Availability (Reg CC) PolicyBank edition only
- Deposit Insurance Representations PolicySeparate Fintech and Bank editions
- Account Opening and Closing PolicyOne version for both editions
- Negative Balance and Overdraft ProcedureOne version for both editions
- Garnishment and Legal Process PolicyOne version for both editions
- Unclaimed Property PolicyOne version for both editions
- ACH and Nacha Rules PolicySeparate Fintech and Bank editions
- Card Disputes and Chargebacks PolicyOne version for both editions
- Custodial (FBO) Account Recordkeeping and Reconciliation PolicyFintech edition only
Lending (12)
- Reg Z Open-End Credit PolicyOne version for both editions
- Reg Z Closed-End Credit PolicyOne version for both editions
- Fair Lending, ECOA, and Reg B PolicyOne version for both editions
- Fair Credit Reporting Act PolicyOne version for both editions
- Servicing and Collections PolicyOne version for both editions
- Credit Underwriting Model and AI Governance PolicyOne version for both editions
- Lending Authority, Licensing, and Rate PolicySeparate Fintech and Bank editions
- Insider Lending (Reg O) PolicyBank edition only
- Community Reinvestment Act PolicyBank edition only
- Adverse Action ProcedureOne version for both editions
- Hardship, Loss Mitigation, and Charge-Off ProcedureOne version for both editions
- Adverse action, incomplete application, and counteroffer noticesOne version for both editions
Privacy and consumer communications (7)
- Consumer Financial Privacy Policy (GLBA and Reg P)One version for both editions
- State Privacy Law Compliance PolicyOne version for both editions
- TCPA PolicyOne version for both editions
- Commercial Email (CAN-SPAM) PolicyOne version for both editions
- Right to Financial Privacy Act PolicyOne version for both editions
- GLBA Privacy NoticeOne version for both editions
- Online Privacy NoticeOne version for both editions
Operational risk (8)
- Third-Party Risk Management PolicySeparate Fintech and Bank editions · Policy Framework
- Fintech Partner (BaaS) Program Oversight PolicyBank edition only · Policy Framework
- Information Security Program PolicySeparate Fintech and Bank editions
- Incident Response and Breach Notification PolicySeparate Fintech and Bank editions
- Acceptable Use StandardOne version for both editions
- Business Continuity and Disaster Recovery PolicyOne version for both editions
- Records Retention and Destruction PolicySeparate Fintech and Bank editions
- AI Governance PolicyOne version for both editions
Tools and maps (19)
- Master Policy Template (Word)One version for both editions · Policy Framework
- BSA/AML and Sanctions Risk Assessment WorkbookSeparate Fintech and Bank editions · Documentation and Tools Kit
- Compliance Risk Assessment WorkbookOne version for both editions · Documentation and Tools Kit
- Regulatory Applicability MatrixOne version for both editions · Documentation and Tools Kit · Free download
- Compliance Testing PlanOne version for both editions · Documentation and Tools Kit
- Transaction Testing WorkpaperOne version for both editions · Documentation and Tools Kit
- Compliance Testing Report TemplateOne version for both editions · Documentation and Tools Kit
- Board and Committee Compliance ReportOne version for both editions · Documentation and Tools Kit
- Issue and Corrective Action LogOne version for both editions · Documentation and Tools Kit
- Complaint Log and Root-Cause TaxonomyOne version for both editions · Documentation and Tools Kit · Free download
- Regulatory Change LogOne version for both editions · Documentation and Tools Kit
- Training Matrix and Completion TrackerOne version for both editions · Documentation and Tools Kit
- Third-Party Inventory and Risk TieringOne version for both editions · Documentation and Tools Kit
- Sponsor Bank Obligations CrosswalkFintech edition only · Documentation and Tools Kit
- Fintech Partner Due Diligence and Monitoring WorkbookBank edition only · Documentation and Tools Kit
- Reg E Error Resolution LogOne version for both editions
- Red Flags Applicability MatrixOne version for both editions
- Records Retention ScheduleOne version for both editions
- Requirements and Controls Maps (7 domains)One version for both editions
Questions about the kits
What format are the files in?
Word documents, with PDF reference copies, and Excel workbooks. All files are fully editable. Highlighted fields mark the information to complete, and KCG NOTE boxes explain what to tailor and why.
Which edition do I need?
Fintechs operating through a sponsor bank should select the Fintech edition. Banks, including sponsor banks, and credit unions should select the Bank edition. If you are unsure which edition fits your program, please contact us before purchasing.
Will these satisfy my examiner or partner bank?
Each document is built to examiner and sponsor bank expectations and cites the regulation behind each requirement. Every program must still reflect the institution’s products and risk profile, so each file includes guidance on what to tailor, and items requiring counsel review are clearly marked.
How do I get the files?
Once payment is complete, you will receive a download link for your kit or tool. For orders placed by email, we will send an invoice, and the download link will follow upon payment.
Do I get updates when regulations change?
Yes. Every kit includes 12 months of updates. Each file states the date through which its regulatory content is current. After the first year, updates may be renewed at 15% of the kit price annually, and you retain the files regardless.
What does the license allow?
Each purchase licenses the files to one institution for internal use. The licensee may edit the files and share its adopted versions with its sponsor bank, regulators, auditors, and advisors. Resale, publication, and redistribution are not permitted. A multi-entity license for a holding company or affiliated companies is available at 2.5 times the kit price.
Can I buy a single policy?
Yes. Single policies, including the matching procedure where one exists, are $295, and individual tools are $149. The complete library is listed above.
Can you tailor a kit for us?
Yes. Tailoring to your products and implementation support are available for a fixed fee or at the advisory rate.
Ready to build your program?
Start with a program kit, or ask about hands-on help if you need it done with you.